As car insurance prices keep going up, it’s a smart move for drivers in Nebraska to compare different policies and find the cheapest coverage available. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this review, we will discuss how you can save money on insurance and show you where to find the most affordable car insurance in Montana that suits your driving habits.
Key Points
- North Star Mutual is the cheapest car insurance company in Nebraska overall, with an average rate of $24 per month for minimum coverage and $172 per month for full coverage.
- USAA and Farm Bureau also offer affordable car insurance rates for many driver profiles.
- If you’re under 25 or have traffic violations on your record, you can expect to pay car insurance rates that are higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Different car insurance companies have different ways of evaluating drivers, so the provider that is cheapest for one driver might not be the cheapest for you. To illustrate this, here is a summary of the auto insurance providers with the lowest rates for different types of drivers in Nebraska.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | North Star Mutual | $24 | $288 |
| Full coverage | Nationwide | $128 | $1,542 |
| 16-year-olds | North Star Mutual | $61 | $732 |
| 45-year-olds | USAA | $23 | $275 |
| High-risk drivers | Progressive | $35 | $425 |
| After a speeding ticket | North Star Mutual | $27 | $329 |
| After an accident | Farmers Mutual of Nebraska | $35 | $419 |
| After a DUI | Progressive | $32 | $380 |
| Poor credit drivers | North Star Mutual | $24 | $288 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with good credit and a clean driving history.
What Is The Cheapest Car Insurance Company In Nebraska?
In general, we discovered that North Star Mutual has the most affordable car insurance in Nebraska for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Nebraska.
These rates apply to drivers in Nebraska who are of various ages, living in different places, and have different driving histories. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Nebraska: North Star Mutual
Drivers looking for the most affordable coverage that just meets Nebraska state minimum requirements may find it at North Star Mutual for about $24 per month or $288 per year on average.
| Cheapest Car Insurance in Nebraska | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| North Star Mutual | $24 | $288 |
| USAA | $27 | $325 |
| Farm Bureau | $28 | $338 |
| Progressive | $28 | $340 |
| Farmers Mutual of Nebraska | $29 | $344 |
| Auto-Owners | $30 | $361 |
| Nationwide | $37 | $448 |
| Shelter | $39 | $470 |
| State Farm | $40 | $480 |
| Allstate | $63 | $755 |
Cheapest Full Coverage In Nebraska: Nationwide
Nationwide offers the best coverage at the most affordable price. The provider offers full-coverage insurance for an average of $128 per month.
Full-coverage insurance policies in Nebraska generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Nebraska | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Nationwide | $128 | $1,542 |
| Auto-Owners | $131 | $1,577 |
| USAA | $153 | $1,835 |
| Shelter | $167 | $2,005 |
| Farmers Mutual of Nebraska | $171 | $2,049 |
| North Star Mutual | $172 | $2,067 |
| Progressive | $183 | $2,202 |
| Farm Bureau | $190 | $2,275 |
| State Farm | $228 | $2,740 |
| Allstate | $256 | $3,067 |
Cheapest Car Insurance In Nebraska: Age
Below, you’ll find average insurance costs for Nebraska drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. Drivers who are between the ages of 30 and 55 usually receive more affordable auto insurance rates compared to other age groups. This is because they have more driving experience, which makes them less likely to be involved in car accidents, based on statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $152 | $590 |
| 25 | $38 | $193 |
| 35 | $31 | $163 |
| 45 | $30 | $153 |
| 55 | $28 | $138 |
Cheapest Nebraska Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. That’s mainly because these drivers don’t have much driving experience and are more likely to break traffic rules and get into car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Nebraska Car Insurance For 16-Year-Olds: North Star Mutual
If you’re a teen driver or the parent of one, North Star Mutual may be your best bet for finding the most affordable car insurance in Nebraska.
The company’s cheapest average rates for 16-year-old drivers are $61 per month or $732 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $371 per month or $4,455 per year from Farmers Mutual of Nebraska.
| Cheapest Car Insurance in Nebraska | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| North Star Mutual | $61 | $420 |
| Farmers Mutual of Nebraska | $71 | $371 |
| USAA | $112 | $482 |
| Auto-Owners | $115 | $426 |
| Nationwide | $138 | $395 |
| Shelter | $142 | $576 |
| State Farm | $159 | $680 |
| Progressive | $177 | $869 |
| Farm Bureau | $200 | $840 |
| Allstate | $341 | $845 |
Cheapest Nebraska Car Insurance For 25-Year-Olds: North Star Mutual
Car insurance prices for young drivers in their twenties decrease a lot compared to what teenagers have to pay. However, the costs can still be high for this age group based on the insurance company you select.
North Star Mutual provides the cheapest car insurance costs on average at $24 per month or $288 per year for minimum coverage. Nationwide costs $137 per month or $1,644 per year for full coverage.
| Cheapest Car Insurance in Nebraska | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| North Star Mutual | $24 | $172 |
| USAA | $30 | $167 |
| Farm Bureau | $30 | $195 |
| Progressive | $30 | $194 |
| Farmers Mutual of Nebraska | $32 | $192 |
| Auto-Owners | $35 | $153 |
| Nationwide | $42 | $137 |
| State Farm | $44 | $252 |
| Shelter | $45 | $190 |
| Allstate | $66 | $282 |
Cheapest Nebraska Car Insurance: Adult Drivers
People in their forties usually have the cheapest auto insurance rates. You can compare average rates of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Nebraska Car Insurance For 35-Year-Olds: North Star Mutual
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from North Star Mutual. The company offers average minimum-coverage costs of $24 per month or $288 per year. For full coverage, QBE’s rates average $110 monthly or $1,316 annually.
| Cheapest Car Insurance in Nebraska | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| North Star Mutual | $24 | $172 |
| USAA | $24 | $139 |
| Farmers Mutual of Nebraska | $25 | $149 |
| Auto-Owners | $25 | $110 |
| Progressive | $26 | $173 |
| Farm Bureau | $26 | $184 |
| Nationwide | $33 | $120 |
| Shelter | $34 | $144 |
| State Farm | $36 | $205 |
| Allstate | $60 | $229 |
Cheapest Nebraska Car Insurance For 45-Year-Olds: USAA
FForty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $23 per month or $275 per year. The cheapest full coverage comes from Nationwide at $107 per month or $1,279 per year.
| Cheapest Car Insurance in Nebraska | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $23 | $131 |
| Farmers Mutual of Nebraska | $23 | $140 |
| Progressive | $24 | $152 |
| North Star Mutual | $24 | $172 |
| Auto-Owners | $25 | $107 |
| Farm Bureau | $26 | $177 |
| Shelter | $29 | $125 |
| Nationwide | $31 | $110 |
| State Farm | $37 | $198 |
| Allstate | $59 | $217 |
Cheapest Nebraska Car Insurance For 55-Year-Olds: Progressive
Progressive usually offers the most affordable car insurance rates in Nebraska for drivers in their 50s. The insurer’s average premiums are $21 monthly or $246 annually for minimum coverage. The cheapest full coverage option is from Auto-Owners, costing $107 monthly or $1,279 annually
| Cheapest Car Insurance in Nebraska | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Progressive | $21 | $127 |
| North Star Mutual | $21 | $150 |
| Farmers Mutual of Nebraska | $22 | $127 |
| USAA | $22 | $124 |
| Auto-Owners | $23 | $98 |
| Farm Bureau | $24 | $157 |
| Shelter | $26 | $111 |
| Nationwide | $30 | $100 |
| State Farm | $35 | $184 |
| Allstate | $57 | $204 |
Cheapest Car Insurance In Nebraska: High-Risk Drivers
Besides the kind of coverage you choose and how old you are, how safe you drive is also a significant factor in determining your car insurance cost. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including fines for speeding, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who have a history of multiple violations on their records pay car insurance rates that are higher than the average. On average, Nebraska motorists who are deemed high-risk may find the most affordable rates from Progressive for minimum coverage or Shelter for full coverage.
| Cheapest Car Insurance in Nebraska | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Progressive | $35 | $220 |
| Farm Bureau | $37 | $252 |
| Farmers Mutual of Nebraska | $41 | $245 |
| USAA | $43 | $242 |
| State Farm | $45 | $247 |
| North Star Mutual | $47 | $349 |
| Auto-Owners | $51 | $213 |
| Shelter | $56 | $212 |
| Nationwide | $58 | $216 |
| Allstate | $79 | $317 |
Cheapest Nebraska Car Insurance For Drivers With A Speeding Ticket: North Star Mutual
Drivers with a speeding citation on their record can generally find the most affordable coverage from North Star Mutual, with average rates of $27 per month or $329 per year for minimum coverage and $200 per month or $2,394 per year for full coverage.
| Cheapest Car Insurance in Nebraska | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| North Star Mutual | $27 | $200 |
| Farmers Mutual of Nebraska | $31 | $187 |
| Progressive | $33 | $213 |
| USAA | $34 | $191 |
| Farm Bureau | $36 | $241 |
| State Farm | $44 | $242 |
| Auto-Owners | $46 | $201 |
| Nationwide | $46 | $165 |
| Shelter | $48 | $192 |
| Allstate | $69 | $278 |
Cheapest Nebraska Car Insurance For Drivers With An At-Fault Accident: Farmers Mutual of Nebraska
Getting into a car accident in Nebraska can also lead to higher car insurance costs. Farmers Mutual of Nebraska tends to offer the most affordable rates on average at about $35 per month or $419 per year for minimum coverage and $208 per month or $208 per year for full coverage.
| Cheapest Car Insurance in Nebraska | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Farmers Mutual of Nebraska | $35 | $208 |
| USAA | $40 | $217 |
| North Star Mutual | $41 | $306 |
| Progressive | $41 | $248 |
| Auto-Owners | $44 | $195 |
| Farm Bureau | $44 | $300 |
| State Farm | $48 | $256 |
| Shelter | $57 | $207 |
| Nationwide | $57 | $212 |
| Allstate | $89 | $350 |
Cheapest Nebraska Car Insurance For Drivers With A DUI: Progressive
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Nebraska from Progressive for $32 per month or $380 per year on average. They also have rates of $199 monthly or $2,388 annually for full coverage.
| Cheapest Car Insurance in Nebraska | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Progressive | $32 | $199 |
| Farm Bureau | $32 | $215 |
| State Farm | $44 | $242 |
| USAA | $56 | $318 |
| Farmers Mutual of Nebraska | $57 | $339 |
| Shelter | $64 | $238 |
| Auto-Owners | $65 | $243 |
| Nationwide | $71 | $271 |
| North Star Mutual | $71 | $541 |
| Allstate | $81 | $323 |
Cheapest Nebraska Car Insurance For Drivers With Poor Credit: North Star Mutual
People who have bad credit have to pay more money for car insurance. Those who don’t have the best credit history may want to check out North Star Mutual, which has an average minimum-coverage rate of $40 per month or $478 per year and an average full-coverage rate of $286 per month or $3,430 per year.
| Cheapest Car Insurance in Nebraska | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| North Star Mutual | $40 | $286 |
| Farmers Mutual of Nebraska | $42 | $247 |
| USAA | $42 | $265 |
| Progressive | $44 | $302 |
| Nationwide | $49 | $182 |
| Farm Bureau | $53 | $353 |
| Shelter | $79 | $353 |
| Allstate | $88 | $396 |
| Auto-Owners | $88 | $389 |
| State Farm | $220 | $1,148 |
Average Cost Of Car Insurance In 10 Nebraska Cities
The location in Nebraska where you reside is also a factor that affects the cost of your car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- Increased number of automobiles on the streets.
- More car accidents happening at an increased rate.
- More instances of breaking traffic rules.
- More incidents of car theft and slashed tires
- Extreme weather conditions
Certain factors that increase the likelihood of certain risks tend to have a greater impact on individuals who own cars in bigger cities. This is why drivers in these bustling urban areas have to pay the highest average amount for car insurance with minimal coverage. Conversely, drivers in rural regions with lower crime rates and smaller populations are more likely to enjoy lower insurance costs.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Omaha | $49 | $180 |
| Lincoln | $42 | $155 |
| Grand Island | $33 | $162 |
| Fremont | $35 | $161 |
| Papillion | $45 | $162 |
| Kearney | $31 | $161 |
| Scottsbluff | $31 | $190 |
| Beatrice | $33 | $165 |
| Bellevue | $45 | $165 |
| Lexington | $30 | $174 |
Top 5 Car Insurance Companies In Nebraska
Aside from the cost, we have examined more than 40 insurance companies to determine the top five insurers for people living in Nebraska. We considered their coverage, service, and reliability in our analysis. Based on our research, we found North Star Mutual to be the best provider for most drivers in Nebraska. These are the ratings we gave to our top recommendations overall.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | $5 | $4 | 4.6 | 5 | 4.5 |
| #2 Progressive | $5 | $4 | 4.8 | 4.8 | 4.1 |
| #3 USAA | $5 | $5 | 4.8 | 4.5 | 4.3 |
| #4 Allstate | $4 | $4 | 4.6 | 4.8 | 4.2 |
| #5 Auto-Owners | $4 | $5 | 4.7 | 4.6 | 4.4 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Nebraska
You can bring down the cost of your car insurance in Nebraska through different methods. These include:
- Opting for minimum coverage: If you only get the least amount of coverage that your state demands, you will have the most affordable car insurance available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several different companies can help you figure out which provider has the most affordable option.
Many insurance companies offer usage-based insurance programs as a way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might be eligible for a significant discount. However, certain programs may increase your rates if you engage in risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Nebraska Require For Car Insurance?
Drivers in Nebraska must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
- $50,000 underinsured/uninsured motorist bodily injury coverage per accident
- $25,000 underinsured/uninsured motorist bodily injury coverage per person
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Nebraska
When it comes to both minimum and full coverage, North Star Mutual is the best and cheapest car insurance company for most drivers in Nebraska. While the above costs can give you an idea of what you’d pay for car insurance in Nebraska, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Companies usually offer online tools that give you quick and free quotes. If you prefer, you can also directly contact an insurance agent or representative from the company. Once you have gathered quotes from at least three different providers, compare them to see which one suits you best.
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Best Cheap Car Insurance In Nebraska: FAQ
Here are some frequently asked questions about car insurance in Nebrska:
How much is car insurance per month in Nebraska?
Is Nebraska Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: 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.
- 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.
- 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.
- 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 easy-to-use claims apps.
*Data accurate at time of publication.