Best Cheap Car Insurance Options in Nebraska

Nebraska Farm Bureau has the cheapest car insurance rates for most drivers in Nebraska. American Family, Progressive and GEICO also offer competitive rates.

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Key Takeaways

  • Nebraska Farm Bureau is our pick for the best cheap car insurance option in Nebraska.
  • American Family, GEICO and Progressive also offer very competitive rates in Nebraska.
  • Nebraska Farm Bureau offers to best rates for most drivers with a prior incident.
  • Nebraska has the 12th-best road conditions in the U.S.
  • Lexington has the best drivers by city and Auburn has the worst.

In this article

Cheapest full-coverage auto insurance rates in Nebraska: American Family

According to our data we found that American Family has the cheapest rate for full-coverage car insurance in Nebraska. The average monthly cost of full-coverage insurance in the state is $143, making American Family 27% cheaper than the average.

Nebraska Farm Bureau, Nationwide and GEICO also had affordable quotes under the state average. When comparing Nebraska to the U.S. average, Nebraska drivers on average pay 12% less than most states.

Average monthly full-coverage rates by company
Company Average monthly rate
USAA* $80
American Family $104
Nebraska Farm Bureau $110
Nationwide $117
GEICO $122
State Farm $125
Progressive $127
Average $143
Mid-Century $212
Allstate $292
Rates are for full-coverage car insurance for a 35-year-old male with a good driving record.
*USAA has the cheapest rate if you qualify for membership

Cheapest minimum-coverage auto insurance rates in Nebraska: Nebraska Farm Bureau

Nebraska Farm Bureau is the most affordable option for drivers looking for minimum-coverage car insurance quotes. The average annual cost for drivers in Nebraska is $684. This makes Nebraska Farm Bureau 33% cheaper than the average.

Progressive, State Farm and GEICO are slightly more expensive than Nebraska Farm Bureau, but still offer rates below the state average.

Average monthly minimum-coverage rates by company
Company Average monthly cost
USAA* $30
Nebraska Farm Bureau $38
Progressive $41
State Farm $45
GEICO $46
American Family $49
Nationwide $54
Average $57
Allstate $97
Mid-Century $108
Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record.
*USAA has the cheapest rate if you qualify for membership

Cheapest car insurance in Nebraska for drivers with bad credit: GEICO

GEICO has the most affordable quotes in Nebraska for drivers with bad credit looking for minimum or full coverage. Compared to State Farm, which is the most expensive option, GEICO offered rates up to 70% less expensive.

According to our data, Nebraska drivers with a credit score between 500 and 600 on average pay 90% more for full coverage than drivers with a good credit score above 700.

Average full-coverage rates for drivers with bad credit
Company Average monthly cost
USAA* $132
GEICO $158
Nationwide $179
American Family $182
Nebraska Farm Bureau $213
Progressive $249
Average $271
Mid-Century $330
Allstate $454
State Farm $543
Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record.
*USAA has the cheapest rate if you qualify for membership
Average minimum-coverage rates for drivers with bad credit
Company Average monthly cost
USAA* $48
GEICO $59
Nationwide $74
American Family $74
Nebraska Farm Bureau $78
Progressive $88
Average $103
Mid-Century $144
Allstate $166
State Farm $198
Rates are for minimum-coverage car insurance for a 35-year-old male with poor credit and a good driving record.
*USAA has the cheapest rate if you qualify for membership

Cheapest car insurance for drivers in Nebraska with a prior incident

Whether it's a traffic violation or an accident, a prior mishap can make it more expensive to get car insurance in Nebraska. However, several insurance companies in the state offer competitive rates to drivers with a less-than-perfect driving record.

It's important to do your due diligence and compare quotes from multiple companies after any sort of incident to ensure you're getting the best rate for you.

Cheapest for drivers with a speeding ticket: Nebraska Farm Bureau

If you have a speeding ticket on your record, Nebraska Farm Bureau is the cheapest option for both minimum- and full-coverage insurance in Nebraska.

Compared to the state average for minimum coverage, Nebraska Farm Bureau has rates as much as 62% cheaper. When compared to the state average for full coverage, rates were as much as 67% lower.

American Family, State Farm and GEICO also offer competitive rates for drivers with a speeding ticket.

Average full-coverage rates for drivers with a speeding ticket
Company Average monthly cost
USAA* $99
Nebraska Farm Bureau $104
American Family $125
State Farm $136
GEICO $143
Progressive $165
Average $174
Nationwide $176
Allstate $298
Mid-Century $323
Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record.
*USAA has the cheapest rate if you qualify for membership
Average minimum-coverage rates for drivers with a speeding ticket
Company Average monthly cost
USAA* $38
Nebraska Farm Bureau $43
American Family $49
State Farm $50
GEICO $53
Progressive $54
Average $70
Nationwide $80
Allstate $108
Mid-Century $156
Rates are for minimum-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record.
*USAA has the cheapest rate if you qualify for membership

Cheapest for drivers with an at-fault accident: State Farm

Drivers with a recent at-fault accident will see their rates go up on average 52% for a minimum-coverage policy and 62% for a full-coverage policy.

According to our 2023 data, State Farm has the most affordable rates for drivers with a recent accident on their records. Nebraska Farm Bureau, American Family and Progressive also offer competitive rates. Make sure to shop and compare quotes after an accident.

Average full-coverage rates for drivers with an at-fault accident
Company Average monthly cost
USAA* $116
State Farm $128
Nebraska Farm Bureau $147
American Family $175
Progressive $204
Nationwide $217
GEICO $219
Average $232
Allstate $302
Mid-Century $428
Rates are for full-coverage car insurance for a 35-year-old male with an at-fault accident
*USAA has the cheapest rate if you qualify for membership
Average minimum-coverage rates for drivers with an at-fault accident
Company Average monthly cost
USAA* $45
State Farm $55
Nebraska Farm Bureau $60
American Family $73
Progressive $74
Nationwide $85
GEICO $86
Average $87
Allstate $147
Mid-Century $155
Rates are for minimum-coverage car insurance for a 35-year-old male with a at-fault accident.
*USAA has the cheapest rate if you qualify for membership

Cheapest auto insurance for drivers with a DUI: Nebraska Farm Bureau

After a DUI, you can be sure your car insurance rate will increase. On average, in the state of Nebraska, drivers with a clean record saw an increase of 54% for minimum- and full-coverage policies. According to our data, Nebraska Farm Bureau has the cheapest rate for both minimum- and full-coverage policies for drivers with a DUI on their record.

American Family, State Farm and Progressive also offered competitive rates that are below the state averages.

Average full-coverage rates for drivers with a DUI
Company Average monthly cost
Nebraska Farm Bureau $104
American Family $125
State Farm $136
Progressive $154
USAA $163
Average $221
Nationwide $242
Allstate $289
GEICO $386
Mid-Century $389
Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record.
*USAA has the cheapest rate if you qualify for membership
Average minimum-coverage rates for drivers with a DUI
Company Average monthly cost
Nebraska Farm Bureau $43
American Family $49
State Farm $50
Progressive $51
USAA $62
Average $88
Nationwide $110
Allstate $131
GEICO $144
Mid-Century $148
Rates are for minimum-coverage car insurance for a 35-year-old male with one DUI on his driving record.
*USAA has the cheapest rate if you qualify for membership

Cheapest auto insurance for senior drivers in Nebraska: Progressive and Nebraska Farm Bureau

Progressive and Nebraska Farm Bureau have the most affordable quotes for senior drivers in the state of Nebraska. The cost of a minimum-coverage policy was slightly less with Progressive, and the two companies tied for a full-coverage policy.

Senior drivers in Nebraska pay 45% less than the national average for minimum car insurance. This makes Nebraska a cheaper-than-average state for senior drivers.

Average full-coverage rates for seniors
Company Average monthly cost
USAA* $74
Progressive $96
Nebraska Farm Bureau $96
State Farm $97
American Family $101
GEICO $113
Nationwide $123
Average $128
Allstate $195
Mid-Century $254
Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record.
*USAA has the cheapest rate if you qualify for membership
Average minimum-coverage rates for seniors
Company Average monthly cost
USAA* $30
Progressive $32
Nebraska Farm Bureau $34
State Farm $44
American Family $46
GEICO $50
Nationwide $50
Average $55
Allstate $95
Mid-Century $114
Rates are for minimum-coverage car insurance for a 65-year-old male with a clean driving record.
*USAA has the cheapest rate if you qualify for membership

Cheapest car insurance for teen drivers in Nebraska: GEICO

Teenagers are typically considered to be high-risk drivers, so they pay more for car insurance than older drivers. In Nebraska, the average cost of car insurance for a 16-year-old driver is $452 per year. This is 216% higher than the average cost for a 35-year-old driver with a clean driving record.

GEICO offers the most affordable car insurance for teen drivers in Nebraska. However, Nebraska Farm Bureau, State Farm and American Family also offer competitive rates. It is important to compare quotes from multiple companies to find the best deal.

Average full-coverage rates for teens
Company Average monthly cost
USAA* $199
GEICO $273
Nebraska Farm Bureau $285
State Farm $316
American Family $393
Average $452
Nationwide $473
Progressive $636
Allstate $720
Mid-Century $773
Rates are for full-coverage car insurance for an 18-year-old male with a clean driving record.
*USAA has the cheapest rate if you qualify for membership
Average minimum-coverage rates for teens
Company Average monthly cost
USAA* $81
GEICO $124
Nebraska Farm Bureau $131
State Farm $151
American Family $151
Average $198
Nationwide $209
Progressive $224
Allstate $291
Mid-Century $425
Rates are for minimum-coverage car insurance for an 18-year-old male with a clean driving record.
*USAA has the cheapest rate if you qualify for membership

Cheapest auto insurance for married drivers in Nebraska: Progressive

Married drivers in Nebraska with a good driving record can find the cheapest price for car insurance from Progressive. Progressive has rates up to 41% lower than the national average.

Nebraska Farm Bureau, State Farm and Nationwide also offered competitive rates below the average rate.

Average full-coverage rates for married drivers
Company Average monthly cost
USAA* $70
Progressive $96
Nebraska Farm Bureau $104
State Farm $105
Nationwide $106
American Family $125
GEICO $128
Average $135
Allstate $202
Mid-Century $281
Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record.
*USAA has the cheapest rate if you qualify for membership
Average minimum-coverage rates for married drivers
Company Average monthly cost
USAA* $27
Progressive $32
Nebraska Farm Bureau $35
State Farm $45
Nationwide $48
American Family $49
GEICO $50
Average $55
Allstate $97
Mid-Century $110
Rates are for minimum-coverage car insurance for a married 35-year-old male with a good driving record.
*USAA has the cheapest rate if you qualify for membership

Cheapest car insurance in Nebraska based on gender: American Family

When comparing the cost of insurance based on gender, the average 35-year-old female and male pay similar rates in the state of Nebraska, with the average price being the same. American Family is the cheapest option for both genders for minimum- and full-coverage options.

Average minimum-coverage rates based on gender
Company Male Female
USAA* $80 $80
American Family $104 $104
Nebraska Farm Bureau $110 $123
Nationwide $117 $115
GEICO $122 $114
State Farm $125 $125
Progressive $127 $121
Average $143 $143
Mid-Century $212 $217
Allstate $292 $292
Rates are for minimum-coverage car insurance for 35-year-old males and females with a good driving record.
*USAA has the cheapest rate if you qualify for membership

What are the car insurance requirements in Nebraska?

Nebraska requires all drivers to carry at least the following liability coverage limits:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $25,000

Drivers are also required to carry the following minimum coverage limits of uninsured/underinsured motorist insurance for bodily injury:

  • Uninsured motorist insurance per person: $25,000
  • Uninsured motorist insurance per accident: $50,000
  • Underinsured motorist insurance per person: $25,000
  • Underinsured motorist insurance per accident: $50,000

Keep in mind these are only the minimum liability car insurance limits required by law. If you are in a major accident, it is unlikely these limits will be adequate to cover a long hospital stay or a totaled car. If the costs go beyond your policy limits, you'll have to pay the remainder out of pocket. To avoid this, we recommend you raise your liability coverage limits to:

  • Bodily injury per person: $100,000
  • Bodily injury per accident: $300,000
  • Property damage liability per accident: $100,000

SR-22 insurance in Nebraska

SR-22 insurance is a type of insurance that is required by the state of Nebraska for drivers who have had their license suspended or revoked due to a driving violation. The purpose of SR-22 insurance is to demonstrate to the state that the driver has met the financial responsibility requirements to be reinstated as a driver.

In Nebraska, SR-22 insurance is required for the following driving violations:

  • DUI
  • Reckless driving
  • Habitual traffic offender
  • Accumulation of 12 or more points on your driving record in two years
  • No proof of insurance

The SR-22 form is filed with the Nebraska Department of Motor Vehicles (DMV) by the driver's insurance company. The form certifies that the driver has maintained a minimum level of liability insurance coverage for the required time.

The length of time that SR-22 insurance is required in Nebraska varies depending on the driving violation. For most violations, SR-22 insurance is required for three years. However, SR-22 insurance may be required for DUI convictions for five years.

SR-22 insurance can be expensive, as insurers typically charge a premium for high-risk drivers. However, it is important to remember that SR-22 insurance is a requirement for drivers who want to have their license reinstated in Nebraska.

Nebraska driver report

QuoteWizard recently released a study on the best and worst driving cities in Nebraska. The study found that Nebraska drivers rank 13th worst in the nation overall when factors such as accidents, speeding tickets, DUIs and citations are taken into account. However, the state's road infrastructure is in good condition, and Nebraska ranks 12th best in the country for the percentage of non-acceptable roads and bridge quality.

Best and worst drivers in Nebraska

As part of our study we also analyze data from the National Highway Traffic Safety Administration (NHTSA) to find the percentage of accidents that were caused by distracted drivers. According to our data, out of 1032 fatal crashes between 2017 and 2021, 6% involved a distracted driver. This puts Nebraska in the 30th spot for worst distracted driving states.

Best Drivers by City

  1. Lexington
  2. Schuyler
  3. Crete
  4. Gothenburg
  5. Papillion
  6. Ogallala
  7. Broken Bow
  8. Holdrege
  9. Cozad
  10. Falls City

Worst Drivers by City

  1. Auburn
  2. Seward
  3. Wahoo
  4. South Sioux
  5. West Point
  6. Norfolk
  7. Hastings
  8. Ashland
  9. Central City
  10. Nebraska City

Rating Nebraska's road infrastructure and how it impacts drivers

Nebraska has some of the best road conditions in the United States and ranks in the 12th spot for best road conditions. The annual cost for motorists in the state is $461, which is 17% lower than the national average. The state has 7% of roads in “non-acceptable” condition and 5% of bridge deck in “non-acceptable” condition.

Best and worst drivers by age group

Teenage drivers in Nebraska are more likely to be involved in dangerous driving incidents than any other age group. Our study found that drivers under the age of 20 had more than eight times the rate of dangerous driving incidents as drivers aged 80 and older.

Several factors contribute to this disparity, including inexperience, risk-taking behavior, and distractions. Teenage drivers simply have less experience on the road, which can lead to mistakes. They are also more likely to engage in risky behaviors, such as speeding and distracted driving.

 

Methodology

The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across the state of Nebraska. Unless otherwise noted, our sample driver is a single 35-year-old. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.

Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state

Full coverage policies include the following coverages, limits and deductibles:

  • Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
  • Property damage liability: $100,000 limit
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

Driver report: QuoteWizard analyzed over 100,000 car insurance quotes to determine Nebraska's best- and worst-driving cities. Drivers were evaluated based on the number of accidents, citations, speeding tickets and DUIs in each city. QuoteWizard evaluated Federal Highway Administration data on road and bridge quality to determine the number of roads and bridges in “poor” or “unacceptable” condition.

Auto insurance by city

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