Best Car Insurance In Nebraska

Key Points:

• You can get the best car insurance in Nebraska from companies like Auto-Owners, Geico, USAA, Shelter Insurance, and Progressive.
• Auto-Owners has the cheapest rates for full-coverage insurance in the state.
• USAA is the best option for Nebraska residents who are military members.

In this article, we’ll recommend what our team found to be the best auto insurers in the state, explain state minimum insurance requirements, and show you the average cost of insurance in Nebraska. Our review team has taken a close look at the best car insurance companies in the country. Here, we’ll apply the same review standards to the providers that are available in Nebraska.

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What Is The Best Car Insurance Company In Nebraska?

Overall, we recommend Auto-Owners as the best car insurance company for Nebraska residents. To find the best car insurance providers for this state, we took another look at some of our national top-rated providers in light of their reputations and average rates offered in Nebraska. We also looked at scores on the J.D. Power 2023 U.S. Auto Insurance Study℠ and J.D. Power 2023 U.S. Claims Satisfaction Study℠.

Nebraska Car Insurance Company Comparison

Below, you can compare our picks for the best car insurance in Nebraska.

*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Nebraska.

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Best Car Insurance Companies In Nebraska

Below are details on each of our top five picks, including their industry ratings and their pros and cons.

#1 Auto-Owners Insurance: Affordable For Full Coverage

Full-Coverage Auto Insurance Cost: $1,159 per year or $97 per month
Minimum Liability Auto Insurance Cost: $329 per year or $27 per month
Nebraska Customer Service Rating: 829/1,000
Claims Satisfaction Rating: 888/1,000

Auto-Owners Insurance is headquartered in Lansing, Michigan, but is available throughout the central and northeastern United States. The company is highly regarded, earning 829 out of 1,000 points and ranking above average in the J.D. Power 2023 U.S. Auto Insurance Study. Auto-Owners holds an A++ rating for financial strength from AM Best, indicating a superior ability to meet financial obligations. 

#2 Geico: Best For Basic Coverage

Full-Coverage Auto Insurance Cost: $1,572 per year or $131 per month
Minimum Liability Auto Insurance Cost: $655 per year or $55 per month
Nebraska Customer Service Rating: 819/1,000
Claims Satisfaction Rating: 871/1,000

Geico is an established national provider with a A++ financial strength rating from AM Best. It stands out for offering a wide range of coverage options and discounts. Drivers who choose Geico can save on policies through 16 different discounts, some of which include multi-policy, multi-vehicle, military, good student, and good driver discounts.

Learn more about the company by reading our complete Geico review.

#3 USAA: Best For Military

Full-Coverage Auto Insurance Cost: $1,242 per year or $104 per month
Minimum Liability Auto Insurance Cost: $386 per year or $32 per month
Nebraska Customer Service Rating: 890/1,000
Claims Satisfaction Rating: 900/1,000

USAA actually scored highest in the J.D. Power Satisfaction Study for the Central region, with a total of 890 out of a possible 1,000 points. However, because USAA is not available to everyone, it was not eligible for ranking. If you do qualify for USAA, it may offer some of the cheapest auto insurance in Nebraska–and the best customer service.

To learn more about this provider, read our full USAA insurance review.

#4 Shelter Mutual: Superior Local Service

Full-Coverage Auto Insurance Cost: $1,901 per year or $158 per month
Minimum Liability Auto Insurance Cost: $631 per year or $53 per month
Nebraska Customer Service Rating: 851/1,000
Claims Satisfaction Rating: 879/1,000

Shelter Mutual Insurance has been in business for almost 80 years and is available in 15 states, one of which is Nebraska. It is a smaller regional provider, which allows it to supply superior customer service. It ranked first among standard providers in the J.D. Power Satisfaction Study for the region, scoring 851 out of 1,000 points.

#5 Progressive: Best For Usage-Based Insurance

Full-Coverage Auto Insurance Cost: $1,469 per year or $122 per month
Minimum Liability Auto Insurance Cost: $357 per year or $30 per month
Nebraska Customer Service Rating: 803/1,000
Claims Satisfaction Rating: 870/1,000

Progressive is a great option if you’re looking for usage-based insurance, which are programs that track your driving habits. The Progressive Snapshot^® program can help drivers in Nebraska save by awarding discounts based on the way you drive and reducing auto insurance rates for drivers with good habits. We also found the company offers affordable rates on average for high-risk drivers in the state.

To learn more about this provider, read our Progressive insurance review.

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Nebraska Car Insurance Requirements

Nebraska state law requires that all drivers maintain at least a 25/50/25 liability auto insurance policy and 25/50 uninsured/underinsured motorist insurance policy. These numbers represent the following policy limits:

• $25,000 per person bodily injury liability
• $50,000 per accident bodily injury liability
• $25,000 per accident property damage liability
• $25,000 per person uninsured/underinsured motorist coverage
• $50,000 per accident uninsured/underinsured motorist coverage

While these are the state minimum coverage requirements, it is generally recommended that you maintain a full-coverage auto insurance policy. This means purchasing collision coverage and comprehensive coverage in addition to the coverage mentioned above.

Drivers who don’t maintain at least the state minimum-required coverage can have their license and registration suspended. To have these things reinstated, drivers must provide proof of insurance and pay a $50 reinstatement fee for each. This is a low penalty compared to other states, which have much higher fines and can even require jail time for driving without insurance.

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What To Know About Driving In Nebraska

In 2021, Nebraskans drove 21,210 million miles, according to the Insurance Institute for Highway Safety (IIHS). The IIHS also reported that there were 221 auto deaths in Nebraska for the same year (11.3 deaths per 100,000 people). This is slightly less than the national average of 12.9 deaths per 100,000 people.

Be sure to take care when driving in Nebraska. Winter conditions can make roads dangerous, with ice and large snowfalls making driving more difficult. Always adjust your speed based on local weather and never forget to wear your seatbelt.

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Best Nebraska Car Insurance: Our Take

We recommend several providers for Nebraska car insurance: Auto-Owners Insurance, Geico, USAA, Shelter Mutual, and Progressive. Some of these providers are national, offering extensive service networks and well-developed tools, while others offer more local service and expertise.

The best way to find the right insurer for you is to shop around and compare free quotes. Use the tool below to compare car insurance quotes from some of our top-rated providers in Nebraska.

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Best Car Insurance In Nebraska: FAQ

Below are a few frequently asked questions about car insurance in Nebraska.

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How We Rate Auto Insurers

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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