The average cost of car insurance in Nebraska is $39-$68 per month for minimum coverage and $110-$193 per month for full coverage, depending on the source and driver profile, both figures are near or below the national average. Rates vary significantly between companies. The table below shows estimated monthly rates for a 30-year-old driver with a clean record and good credit in Nebraska.
| Insurance Company | Min. Coverage (Est. Monthly) | Full Coverage (Est. Monthly) |
|---|---|---|
| State Farm | $28 - $35 | $115 - $140 |
| Farmers Mutual of NE | $22 - $30 | $100 - $125 |
| USAA | $20 - $28 | $95 - $120 |
| GEICO | $25 - $32 | $120 - $148 |
| Progressive | $30 - $38 | $130 - $160 |
| Allstate | $38 - $48 | $158 - $195 |
| American Family | $32 - $40 | $135 - $165 |
| Nationwide | $30 - $38 | $128 - $155 |
Source: quadinfo.com
Note: Rates are based on averages and may not reflect your specific profile.
Nebraska is the birthplace of Marlon Brando and Fred Astaire, and it’s also a great place to get car insurance. So whether you’re commuting on the US 20 to get to work or taking a weekend trip to North Platte, you’ll want good car insurance.
Before shopping around for car insurance in Nebraska, you should know a few things first. So read on, and we’ll tell you everything you need about car insurance if you live in the Cornhusker State.
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Your ZIP code is one of the biggest factors in your Nebraska car insurance premium. Omaha, the state’s largest city, has significantly higher rates than smaller cities like Grand Island or Kearney due to higher traffic density, more accidents, and higher vehicle theft rates. Below are estimated monthly full coverage rates for major Nebraska cities:
| City | Est. Monthly (Full Coverage) | Est. Monthly (Min. Coverage) |
|---|---|---|
| Omaha | $160 - $210 | $55 - $75 |
| Lincoln | $140 - $180 | $45 - $62 |
| Bellevue | $150 - $195 | $50 - $68 |
| Grand Island | $115 - $148 | $35 - $50 |
| Kearney | $110 - $140 | $33 - $47 |
| Fremont | $118 - $150 | $36 - $50 |
| Norfolk | $108 - $138 | $32 - $46 |
| North Platte | $105 - $135 | $31 - $45 |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
If you want to legally drive through Nebraska’s farmland, the state law indicates you must drive with liability and uninsured motorist coverage.
Please remember that driving with basic liability or state minimums may satisfy your car insurance requirements but offers virtually no protection. State minimums will protect you from a minor fender bender but will provide little protection if you’re involved in a mid to large-scale car accident.
For instance, if you collide and total a vehicle worth $75,000 and your property damage coverage only insures you for $25,000, you’ll need to pay the balance out of pocket.
If you don’t want to assume that much risk, you should consider taking out collision or comprehensive car insurance.
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Nebraska car insurance rates are highly personal. Insurers use your age, driving history, credit score, and other factors to calculate your premium. Here is how different driver profiles compare to the baseline for a 30-year-old with a clean record in Nebraska:
| Driver Profile | Est. Annual Full Coverage | Cheapest Company |
|---|---|---|
| Clean record (30-year-old) | $1,320 - $2,316 | Farmers Mutual NE / USAA |
| Teen driver (18 years old) | $3,200 - $4,800 | State Farm |
| Senior driver (65+) | $1,400 - $2,000 | State Farm / USAA |
| After 1 at-fault accident | $1,900 - $3,000 | Progressive / State Farm |
| After a DUI conviction | $2,400 - $4,000 | Progressive / State Farm |
| 1 speeding ticket | $1,600 - $2,500 | USAA / State Farm |
| Poor credit score | $2,500 - $3,800 | GEICO |
| SR-22 required | $2,600 - $4,200 | Progressive |
Source: thezebra.com
Note: Rates are based on averages and may not reflect your specific profile.
You don’t want to get caught driving without proof of insurance in Nebraska; if you do and are caught, it’s considered a Class II misdemeanor, which will result in some hefty penalties.
Here’s the scoop on what will happen if you’re caught driving without valid insurance:
If you were caught driving without car insurance, this is what you need to do:
Driving without insurance isn’t worth the risk. And although you’re saving on car insurance just by living in Nebraska, we have more tips to make that coverage even more affordable. Keep reading.
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Nebraska is known for its farmlands, its Cornhusker sports teams, its incredible attractions, and for being home to the tasty Reuben sandwich. You’ll need good car insurance in Nebraska, with so much to see and do.
Good car insurance doesn’t mean checking off the base minimum with liability and uninsured motorist coverage. This won’t protect you from paying out of pocket in a mid-large scale accident. Instead, you’ll want comprehensive car insurance or to create a policy that works for you, so no matter what happens, you know your insurance plan has your back.
If you’re ready to start exploring all the different car insurance options, check out the ConsumerCoverage website for more information, or click here for access to free quotes.
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The average monthly cost of car insurance in Nebraska is $39-$68 per month for minimum coverage and $110-$193 per month for full coverage. Nebraska rates are near or below the national average, partly because of its rural character and relatively lower traffic density outside of Omaha and Lincoln.
Driving without insurance in Nebraska is taken seriously. Penalties include license and registration suspension (unless you can prove insurance within 10 days of a traffic stop), $50 reinstatement fees for both your license and registration, and increased insurance rates when you reapply. Nebraska uses administrative penalties rather than jail time for first-offense uninsured driving.
Yes. Nebraska is one of the few states that mandates uninsured/underinsured motorist bodily injury (UM/UIM BI) coverage. Your insurer must include it in your policy unless you explicitly reject it in writing. Given that a notable percentage of Nebraska drivers are uninsured, keeping this coverage is strongly recommended.
No. Nebraska is an at-fault (tort) state. The driver who causes an accident is responsible for paying for the other party’s damages and injuries through their liability insurance. If you are injured by an at-fault driver, you file a claim against their policy, not your own. Personal Injury Protection (PIP) is optional in Nebraska.
A DUI conviction typically affects your Nebraska car insurance rates for 3-5 years. On average, a DUI raises premiums in Nebraska by 55-75%, making it the most impactful single event on your insurance costs. You will also likely be required to file an SR-22 certificate, which your insurer files on your behalf to verify that you maintain minimum required coverage.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
