$16/mo
$17/mo
$25/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in Nebraska pays on an average of $934 for six months for car insurance, which is less than the national average. American National P&C offers cheap and the best rates in Nebraska.
American National P&C offers the cheapest liability coverage in Nebraska at $16/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Nebraska ↓
American National P&C provides cheap full insurance coverage in Nebraska at $45/month, offering excellent value.
Read about the cheapest full coverage companies in Nebraska ↓
American National P&C is the cheapest option after an at-fault accident in Nebraska at $23 per month.
Read more about best car insurance companies after at-fault accident in Nebraska ↓
American National P&C was named the best overall by J.D. Power and AM Best, making it a top pick among Nebraska’s best car insurers.
Check out the full list of the best car insurance companies in Nebraska ↓For drivers looking to meet Nebraska minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Nebraska is widely available from providers like American National P&C at $16/month. If you opt for North Star Mutual Insurance you will have to pay at least $27/month for your car insurance premium, which is the highest in Nebraska.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $95 | $16 |
| American National | $101 | $17 |
| Farmers Mutual of Nebraska | $149 | $25 |
| North Star Mutual | $184 | $31 |
| Auto-Owners Insurance Co | $196 | $33 |
| Farmers | $202 | $34 |
| IMT Insurance | $208 | $35 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis American National P&C offers the cheapest car insurance for full coverage in Nebraska at $45 per month. On the other hand American Family offers the most expensive rate at $168 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $267 | $45 |
| Auto-Owners Insurance Co | $410 | $68 |
| American National | $517 | $87 |
| Farmers Mutual of Nebraska | $558 | $94 |
| Shelter | $570 | $97 |
| IMT Insurance Company | $582 | $97 |
| Auto-Owners | $814 | $137 |
Get Your Car Insurance Quote in Nebraska Instantly!
American National P&C stands out as the best car insurance provider in Nebraska, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Auto-Owners Insurance Co is a top pick for drivers seeking value and reliability.
American National P&C offers a six-month premium of $184, which amounts to approximately $31 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Auto-Owners Insurance Co is $303, which is higher than American National P&C's by $119. Their higher monthly premium is, due to their strict policies on traffic violations.
Progressive's premium is $380, which is significantly more expensive than Auto-Owners Insurance Co's by $77. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $184 | $31 |
| Auto-Owners Insurance Co | $303 | $52 |
| Progressive | $380 | $63 |
| Shelter | $410 | $70 |
| Farmers Mutual of Nebraska | $440 | $74 |
| State Farm | $725 | $122 |
| USAA | $766 | $128 |
Teens and young drivers in Nebraska often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Nebraska is
$1777 for 6 months, which is less than the national average.
American National P&C is the best options for cheap
car insurance for young drivers in Nebraska.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $113 | $19 |
| Farmers | $184 | $31 |
| North Star Mutual Insurance | $249 | $42 |
| Iowa Farm Bureau | $267 | $45 |
| Auto-Owners Insurance Co | $273 | $46 |
| Farmers Mutual of Nebraska | $909 | $153 |
| American National | $1140 | $194 |
Car insurance rates in Nebraska have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Nebraska rose by $187 in Dec compared to $164 of Nov. In other words, there has been an increase by $23 when you compare Dec and Nov.
The average cost of liability insurance in the Nebraska rose to $38 in Dec, compared to $37 in Nov. This represents an increase of $1 when comparing Dec and Nov.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that American National P&C gives you the cheapest car insurance rate after an at-fault accident in Nebraska at $23/month. On the other hand American Family is the most expensive option at $202/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $137 | $23 |
| Farmers | $220 | $37 |
| Auto-Owners Insurance Co | $226 | $38 |
| North Star Mutual | $321 | $55 |
| Iowa Farm Bureau | $368 | $61 |
| North Star Mutual Insurance | $428 | $73 |
| American National | $582 | $97 |
If you are living in Nebraska you should opt for American National P&C. American National P&C ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Nebraska, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Nebraska may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Nebraska after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1016 | $169 |
| One Med/PIP claim | $1016 | $173 |
| Not-at-fault accident | $1105 | $184 |
| Driving without lights | $1129 | $192 |
| Failure to show documents | $1129 | $188 |
| Driving with expired registration | $1140 | $194 |
| Failure to wear a seat belt | $1140 | $190 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Nebraska is American National P&C at $26 per month. American Family at $172 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $154 | $26 |
| Farmers | $362 | $60 |
| IMT Insurance Company | $446 | $76 |
| Auto-Owners Insurance Co | $481 | $80 |
| Iowa Farm Bureau | $487 | $83 |
| Shelter | $541 | $90 |
| American National | $624 | $106 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Lincoln | $855 | $144 |
| Omaha | $998 | $168 |
| Kearney | $1034 | $174 |
| Grand Island | $1040 | $175 |
| York | $1051 | $175 |
| Bradshaw | $1057 | $180 |
| Aurora | $1063 | $177 |
| McCool Junction | $1063 | $181 |
| Bellevue | $1069 | $180 |
| Fairmont | $1069 | $182 |
| Hampton | $1069 | $178 |
| Henderson | $1069 | $182 |
