Why Compare Car Insurance Rates in Nebraska:
Having good car insurance is as essential as owning a car. Be mindful that car insurance in Nebraska is never cheap. The average insurance rate in Nebraska makes it the 29th most expensive state for car insurance in the US. So, be prepared to shell out some dollars if you have poor credit, have a great history of claims, or are a first-time driver. But there's nothing to worry about! Many auto insurance companies provide cheap car insurance in Nebraska. We constantly monitor car insurance companies in Nebraska for prices and product offers to zero on insurance companies providing cheap auto insurance in Nebraska.
But, be constantly mindful that the best car insurance company in Nebraska may not offer the most affordable one. So, the challenge is to find the best and cheapest Nebraska car insurance. And that's where Way.com will help you find affordable car insurance in Nebraska. Read more to know about the insurance rates in Nebraska for various categories like minimum coverage, full coverage, premiums with driving violations, and more.
Before registering your car, it is mandatory that you buy the minimum required insurance coverage in all US states. In Nebraska, drivers must have liability and uninsured motorist coverages equal to or greater than the minimums listed below.
| Coverage type | Minimum coverage limit |
|---|---|
| Bodily Injury Liability (per person) | $25000 |
| Bodily Injury Liability (per accident) | $50000 |
| Property Damage Liability (per accident) | $25000 |
| Uninsured motorist | $25000 bodily injury per person/$50000 bodily injury per accident |
American National P&C offers the most affordable minimum coverage for drivers having no military affiliation, with Farmers Mutual offering competitive pricing. MetLife has the highest average insurance rates. But, be mindful that signing up for high insurance coverage with several insurers can be less costly than signing up for minimum coverage with other insurers.
| Company | Annual Premium |
|---|---|
| American National P&C | $155 |
| Auto-Owners Insurance Co | $242 |
| Farmers Mutual of Nebraska | $257 |
| Progressive | $353 |
| Iowa Farm Bureau | $394 |
| Shelter | $429 |
| IMT Insurance Company | $436 |
| AAA | $545 |
| Farmers | $604 |
| State Farm | $777 |
| USAA | $909 |
| Allied | $1,252 |
| Allstate | $1,312 |
| MetLife | $1,877 |
Having auto insurance with higher coverage safeguards you financially always. Though you may have to pay higher premiums, it will help you save a lot of money, time, and energy while considering the long term. It is never safe to carry the state-mandated minimums, which can put you and your investments in danger. Though Nebraska's liability limitations are on the higher side, it never guarantees that you will receive enough protection. So, you can go for higher auto insurance if you want to get insured better.
Nebraska doesn't have no-fault auto insurance. So, the driver who causes the accident will be Cheap auto insurance for Nebraska drivers after a car accident responsible for all the damages. If you get injured, you can file a claim against the driver who caused the damage and their insurance policy. According to Nebraska car insurance laws, you need to have liability coverage.
Having liability coverage pays for bodily injuries and property damage due to an accident caused by a driver's carelessness. It is mandatory to have car insurance in Nebraska, and it safeguards yourself and your assets. You should add coverage or increase the existing limits to get more protection. Driving without insurance is a Class II offense in Nebraska and can earn you penalties.
Personal Injury Protection (PIP) coverage is optional in Nebraska. You can add this coverage to your existing insurance policy to get further protection. PIP also covers pedestrians and passengers who get injured. PIP gets vital as the pedestrians and passengers may get very costly damages. So, if you want advanced protection, add a PIP to your insurance policy. If not, you can consider adding MedPay coverage to the existing car insurance policy.
Like all other states, Nebraska has laws directing car owners to get a minimum amount of liability auto insurance during an accident on the state's highways and roads. Nebraska car insurance laws state that you need to have liability coverage. However, look into these additional coverage alternatives if you're planning to increase the insurance coverage and protection.
Like all other states, you should have a specific amount of insurance coverage if you're driving in Nebraska. Insurance is a way to protect yourself and other drivers on the road. It is mandatory to carry proof of insurance while you drive. The insurance proof must also be provided at the request of any law enforcement official. Driving without car insurance can easily earn your penalties.
Except on trailers, snowmobiles, boats, vehicles with dealer plates, and trucks with campers on the back, proof of financial responsibility is required on all vehicles registered in Nebraska state and should be carried in the vehicle at all times. The acceptable proof of financial responsibility is one of the following as given in the official Nebraska dmv website.
| Company | Annual Premium |
|---|---|
| American National P&C | $427 |
| Auto-Owners Insurance Co | $701 |
| Farmers Mutual of Nebraska | $807 |
| Shelter | $977 |
| IMT Insurance Company | $1,090 |
| Progressive | $1,118 |
| Iowa Farm Bureau | $1,123 |
| Farmers | $1,222 |
| AAA | $1,360 |
| State Farm | $2,307 |
| Allstate | $2,517 |
In Nebraska, drivers with a clean driving record typically pay less for car insurance than those with a history of at-fault accidents, speeding tickets, or DUI records. State Farm offers the cheapest car insurance in Nebraska. Allstate charges you the highest amount for car insurance, making it the most expensive among the companies.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Nationwide | $932 |
| USAA | $935 |
| Farmers Mutual | $1,126 |
| Statewide Average | $1,257 |
| State Farm | $1,285 |
| Progressive | $1,382 |
| Allstate | $1,416 |
| Iowa Farm Bureau | $1,450 |
| Farmers Insurance | $1,546 |
Young drivers aged between 16 and 25 pay the highest auto insurance rates in Nebraska. The most expensive premiums are paid by those aged between 16-19. Young drivers need to pay these higher premiums due to the risk presented by their inexperience. Auto-Owners Insurance Co offers the lowest car insurance rates in Nebraska for young drivers. At the same time, Farmers Insurance charges you the highest premium in this category. Female teen drivers pay around $6,077 a year to get their auto car insurance.
| Company | 17-YEAR-OLD FEMALES | 17-YEAR-OLD MALES |
|---|---|---|
| Allstate | $6,077 | $6,077 |
| Auto-Owners Insurance Co | $2,136 | $2,971 |
| Progressive | $6,544 | $7,235 |
| Farmers | $8,023 | $5,125 |
| State Farm | $4,366 | $5,471 |
| Farmers Mutual | $2,398 | $2,781 |
| USAA | $2,672 | $2,780 |
| Nationwide | $3,146 | $4,068 |
You will get affordable auto car insurance if you have a clean driving record in Nebraska. However, expect the insurance costs to surge high once you earn a speeding ticket. The car insurance premiums usually increase by around 32% after an at-fault accident, 14% after a speeding ticket, and 39% after a DUI. Nationwide offers the lowest car insurance if you've got a speeding ticket.
| Company | Annual Premium |
|---|---|
| American National P&C | $471 |
| Auto-Owners Insurance Co | $916 |
| Farmers Mutual of Nebraska | $922 |
| USAA | $1,165 |
| IMT Insurance Company | $1,267 |
| State Farm | $1,276 |
| Allstate | $1,379 |
| Progressive | $1,386 |
| Iowa Farm Bureau | $1,418 |
| Farmers | $1,577 |
| MetLife | $1,737 |
| Shelter | $1,786 |
| Allied | $1,966 |
| AAA | $1,969 |
Your insurance rates are sure to skyrocket if caught driving under the influence in your car. Expect your insurance rates to surge by 45-50% if you get a DUI record. American National P&C offers the cheapest insurance rates for drivers with a DUI record.
| Company | Annual Premium |
|---|---|
| American National P&C | $581 |
| Progressive | $1,244 |
| State Farm | $1,276 |
| Auto-Owners Insurance Co | $1,467 |
| Allied | $1,541 |
| Allstate | $1,571 |
| Farmers Mutual of Nebraska | $1,662 |
| Farmers | $1,720 |
| USAA | $1,897 |
| IMT Insurance Company | $1,937 |
| Shelter | $2,219 |
| Iowa Farm Bureau | $2,279 |
| MetLife | $3,584 |
| AAA | $4,835 |
The auto car insurance rates will be higher if you get involved in an accident than receiving a speeding ticket. Usually, American National P&C offers the cheapest auto car insurance for Nebraska drivers with a maximum of one accident record. If not eligible for American National P&C, then go for Auto-Owners Insurance. Be aware that some Nebraska car insurance companies surge the annual premium rates after an at-fault accident.
| Company | Annual Premium |
|---|---|
| American National P&C | $530 |
| Auto-Owners Insurance Co | $842 |
| Farmers Mutual of Nebraska | $1,022 |
| USAA | $1,345 |
| State Farm | $1,367 |
| Allied | $1,379 |
| Allstate | $1,548 |
| Iowa Farm Bureau | $1,738 |
| Progressive | $1,765 |
| Farmers | $1,781 |
| Shelter | $1,993 |
| AAA | $2,098 |
| IMT Insurance Company | $2,207 |
| MetLife | $3,046 |
Usually, married drivers pay less for premiums when compared to single drivers in Nebraska. It is because married drivers don't file many auto car insurance claims like single drivers. Nationwide offers the cheapest car insurance for married drivers with an annual rate of $1385 per year. Progressive offers the second cheapest insurance rates for married drivers in Nebraska.
| Companies | Annual rates |
|---|---|
| Nationwide | $1,385 |
| Progressive | $1,433 |
| Farm Bureau | $1,517 |
| State Farm | $1,541 |
| American Family | $1,613 |
| Allstate | $2,057 |
| Farmers | $2,261 |
Accident history can cause car insurance rates to increase substantially. It means that young drivers may need to pay a 22-27% higher premium than the standard rates. American Family offers the cheapest insurance rates for young drivers with an accident history, followed by Allstate.
| Companies | Annual rates |
|---|---|
| American Family | $1652 |
| Allstate | $1721 |
| State Farm | $1789 |
| Farm Bureau | $1836 |
| Nationwide | $2378 |
The car insurance rates vary based on the city you live. Though the average price of full coverage insurance comes around $1745 in Nebraska, this can change depending on the state or city you live in. Be mindful that car insurance rates are higher in large cities as accidents and auto theft happen more frequently. Bradshaw has the cheapest car insurance rates, whereas Palisade pays the most for auto car insurance.
| City | Annual Rate |
|---|---|
| Abie | $1,661 |
| Albion | $1,697 |
| Alda | $1,637 |
| Alexandria | $1,697 |
| Allen | $1,685 |
| Alliance | $1,733 |
| Alvo | $1,757 |
| Amelia | $1,769 |
| Ames | $1,733 |
| Amherst | $1,685 |
| Angora | $1,757 |
| Anselmo | $1,805 |
| Ansley | $1,817 |
| Arapahoe | $1,745 |
| Arcadia | $1,781 |
| Archer | $1,685 |
| Arlington | $1,745 |
| Ashby | $1,841 |
| Ashland | $1,781 |
| Ashton | $1,769 |
| Atkinson | $1,793 |
| Atlanta | $1,685 |
| Auburn | $1,697 |
| Aurora | $1,601 |
| Axtell | $1,625 |
| Ayr | $1,649 |
| Barneston | $1,757 |
| Bartlett | $1,805 |
| Bartley | $1,841 |
| Bassett | $1,817 |
| Battle Creek | $1,709 |
| Bayard | $1,817 |
| Beatrice | $1,733 |
| Beaver Crossing | $1,697 |
| Bee | $1,709 |
| Beemer | $1,709 |
| Belden | $1,709 |
| Belgrade | $1,733 |
| Bellevue | $1,733 |
| Bellwood | $1,661 |
| Belvidere | $1,697 |
| Benedict | $1,625 |
| Benkelman | $1,853 |
| Bennet | $1,757 |
| Bennington | $1,757 |
| Bertrand | $1,721 |
| Bingham | $1,793 |
| Bladen | $1,685 |
| Blair | $1,817 |
| Bloomfield | $1,661 |
| Bloomington | $1,721 |
| Blue Hill | $1,673 |
| Blue Springs | $1,769 |
| Boelus | $1,721 |
| Boys Town | $1,733 |
| Bradshaw | $1,601 |
| Brady | $1,805 |
| Brainard | $1,697 |
| Brewster | $1,757 |
| Bridgeport | $1,805 |
| Bristow | $1,769 |
| Broadwater | $1,805 |
| Brock | $1,721 |
| Broken Bow | $1,781 |
| Brule | $1,805 |
| Bruno | $1,661 |
| Brunswick | $1,709 |
| Burchard | $1,769 |
| Burr | $1,733 |
| Burwell | $1,805 |
| Bushnell | $1,805 |
| Butte | $1,805 |
| Byron | $1,673 |
| Cairo | $1,649 |
| Callaway | $1,829 |
| Cambridge | $1,745 |
| Campbell | $1,685 |
| Carleton | $1,661 |
| Carroll | $1,709 |
| Cedar Bluffs | $1,709 |
| Cedar Creek | $1,745 |
| Cedar Rapids | $1,745 |
| Center | $1,733 |
| Central City | $1,649 |
| Ceresco | $1,721 |
| Chadron | $1,817 |
| Chambers | $1,757 |
| Champion | $1,829 |
| Chappell | $1,793 |
| Chester | $1,685 |
| Clarks | $1,673 |
| Clarkson | $1,697 |
| Clatonia | $1,757 |
| Clay Center | $1,649 |
| Coleridge | $1,661 |
| Colon | $1,733 |
| Columbus | $1,637 |
| Comstock | $1,829 |
| Cook | $1,733 |
| Cordova | $1,685 |
| Cortland | $1,757 |
| Cozad | $1,733 |
| Crab Orchard | $1,745 |
| Crawford | $1,829 |
| Creston | $1,661 |
| Crete | $1,721 |
| Crofton | $1,697 |
| Crookston | $1,781 |
| Culbertson | $1,865 |
| Curtis | $1,901 |
| Dakota City | $1,757 |
| Dalton | $1,781 |
| Danbury | $1,829 |
| Davenport | $1,685 |
| Davey | $1,721 |
| David City | $1,673 |
| Dawson | $1,733 |
| Daykin | $1,685 |
| De Witt | $1,769 |
| Deweese | $1,637 |
| Dickens | $1,901 |
| Diller | $1,697 |
| Dix | $1,793 |
| Dixon | $1,685 |
| Dodge | $1,757 |
| Douglas | $1,793 |
| Du Bois | $1,709 |
| Dunbar | $1,733 |
| Duncan | $1,685 |
| Dunning | $1,817 |
| Dwight | $1,661 |
| Eagle | $1,745 |
| Eddyville | $1,781 |
| Edison | $1,745 |
| Elgin | $1,709 |
| Elk Creek | $1,733 |
| Ellsworth | $1,793 |
| Elm Creek | $1,661 |
| Elmwood | $1,781 |
| Elsie | $1,829 |
| Elsmere | $1,745 |
| Elwood | $1,757 |
| Elyria | $1,745 |
| Emerson | $1,745 |
| Emmet | $1,757 |
| Enders | $1,841 |
| Ericson | $1,781 |
| Eustis | $1,781 |
| Ewing | $1,769 |
| Exeter | $1,673 |
| Fairbury | $1,745 |
| Fairfield | $1,649 |
| Fairmont | $1,661 |
| Falls City | $1,709 |
| Farnam | $1,793 |
| Farwell | $1,685 |
| Firth | $1,805 |
| Fontanelle | $1,745 |
| Fordyce | $1,697 |
| Fort Calhoun | $1,853 |
| Franklin | $1,733 |
| Fremont | $1,673 |
| Friend | $1,685 |
| Fullerton | $1,673 |
| Funk | $1,661 |
| Garland | $1,697 |
| Geneva | $1,661 |
| Genoa | $1,721 |
| Gering | $1,829 |
| Gibbon | $1,625 |
| Gilead | $1,661 |
| Giltner | $1,649 |
| Glenvil | $1,661 |
| Goehner | $1,709 |
| Gordon | $1,817 |
| Gothenburg | $1,721 |
| Grafton | $1,661 |
| Grand Island | $1,637 |
| Grant | $1,769 |
| Greeley | $1,685 |
| Greenwood | $1,769 |
| Gresham | $1,673 |
| Gretna | $1,757 |
| Gross | $1,769 |
| Guide Rock | $1,673 |
| Hadar | $1,685 |
| Haigler | $1,853 |
| Hallam | $1,805 |
| Halsey | $1,817 |
| Hampton | $1,625 |
| Hardy | $1,673 |
| Harrisburg | $1,853 |
| Harrison | $1,805 |
| Hartington | $1,637 |
| Hastings | $1,637 |
| Hay Springs | $1,817 |
| Hazard | $1,829 |
| Heartwell | $1,673 |
| Hebron | $1,685 |
| Hemingford | $1,769 |
| Henderson | $1,601 |
| Hendley | $1,781 |
| Herman | $1,793 |
| Hershey | $1,841 |
| Hickman | $1,793 |
| Hildreth | $1,697 |
| Holbrook | $1,733 |
| Holdrege | $1,649 |
| Holstein | $1,637 |
| Homer | $1,769 |
| Hooper | $1,721 |
| Hordville | $1,625 |
| Howells | $1,721 |
| Hubbard | $1,781 |
| Hubbell | $1,649 |
| Humboldt | $1,709 |
| Humphrey | $1,673 |
| Huntley | $1,697 |
| Imperial | $1,865 |
| Inavale | $1,685 |
| Indianola | $1,829 |
| Inland | $1,673 |
| Inman | $1,769 |
| Ithaca | $1,769 |
| Jackson | $1,733 |
| Jansen | $1,697 |
| Johnson | $1,733 |
| Johnstown | $1,829 |
| Julian | $1,769 |
| Juniata | $1,625 |
| Kearney | $1,601 |
| Kennard | $1,793 |
| Keystone | $1,829 |
| Kilgore | $1,769 |
| Kimball | $1,793 |
| La Vista | $1,673 |
| Lakeside | $1,805 |
| Lamar | $1,829 |
| Laurel | $1,661 |
| Lawrence | $1,697 |
| Lebanon | $1,841 |
| Leigh | $1,697 |
| Lemoyne | $1,817 |
| Lewellen | $1,805 |
| Lewiston | $1,733 |
| Lexington | $1,781 |
| Liberty | $1,757 |
| Lincoln | $1,661 |
| Lindsay | $1,697 |
| Linwood | $1,685 |
| Lisco | $1,793 |
| Litchfield | $1,829 |
| Long Pine | $1,805 |
| Loomis | $1,673 |
| Lorton | $1,733 |
| Louisville | $1,745 |
| Loup City | $1,793 |
| Lyman | $1,829 |
| Lynch | $1,733 |
| Lyons | $1,757 |
| Macy | $1,829 |
| Madison | $1,685 |
| Madrid | $1,805 |
| Magnet | $1,697 |
| Malcolm | $1,721 |
| Malmo | $1,745 |
| Manley | $1,781 |
| Marquette | $1,637 |
| Marsland | $1,805 |
| Martell | $1,757 |
| Maskell | $1,697 |
| Mason City | $1,817 |
| Max | $1,853 |
| Maywood | $1,817 |
| McCook | $1,841 |
| McCool Junction | $1,637 |
| McGrew | $1,805 |
| McLean | $1,673 |
| Mead | $1,721 |
| Meadow Grove | $1,697 |
| Melbeta | $1,805 |
| Memphis | $1,745 |
| Merna | $1,781 |
| Merriman | $1,805 |
| Milburn | $1,805 |
| Milford | $1,697 |
| Miller | $1,685 |
| Milligan | $1,697 |
| Mills | $1,829 |
| Minatare | $1,853 |
| Minden | $1,649 |
| Mitchell | $1,805 |
| Monowi | $1,733 |
| Monroe | $1,649 |
| Moorefield | $1,841 |
| Morrill | $1,829 |
| Morse Bluff | $1,721 |
| Murdock | $1,793 |
| Murray | $1,769 |
| Naper | $1,793 |
| Naponee | $1,733 |
| Nebraska City | $1,685 |
| Nehawka | $1,757 |
| Neligh | $1,721 |
| Nemaha | $1,757 |
| Nenzel | $1,817 |
| Newman Grove | $1,673 |
| Newport | $1,793 |
| Nickerson | $1,745 |
| Niobrara | $1,685 |
| Norfolk | $1,661 |
| North Bend | $1,745 |
| North Platte | $1,781 |
| O'Neill | $1,757 |
| Oak | $1,673 |
| Oakdale | $1,709 |
| Oakland | $1,757 |
| Oconto | $1,817 |
| Odell | $1,781 |
| Odessa | $1,637 |
| Offutt AFB | $1,709 |
| Ogallala | $1,793 |
| Ohiowa | $1,685 |
| Omaha | $1,901 |
| Ong | $1,661 |
| Orchard | $1,733 |
| Ord | $1,805 |
| Orleans | $1,721 |
| Osceola | $1,685 |
| Oshkosh | $1,781 |
| Osmond | $1,673 |
| Otoe | $1,745 |
| Oxford | $1,757 |
| Page | $1,745 |
| Palisade | $1,925 |
| Palmer | $1,673 |
| Palmyra | $1,745 |
| Panama | $1,757 |
| Papillion | $1,697 |
| Parks | $1,829 |
| Pawnee City | $1,733 |
| Pender | $1,709 |
| Peru | $1,721 |
| Petersburg | $1,721 |
| Phillips | $1,673 |
| Pickrell | $1,733 |
| Pierce | $1,673 |
| Pilger | $1,709 |
| Plainview | $1,697 |
| Platte Center | $1,649 |
| Plattsmouth | $1,733 |
| Pleasant Dale | $1,709 |
| Pleasanton | $1,661 |
| Plymouth | $1,721 |
| Polk | $1,637 |
| Ponca | $1,709 |
| Prague | $1,769 |
| Primrose | $1,709 |
| Purdum | $1,781 |
| Ragan | $1,709 |
| Ralston | $1,769 |
| Randolph | $1,697 |
| Ravenna | $1,649 |
| Raymond | $1,745 |
| Red Cloud | $1,685 |
| Republican City | $1,697 |
| Reynolds | $1,661 |
| Richfield | $1,721 |
| Rising City | $1,673 |
| Riverdale | $1,661 |
| Riverton | $1,721 |
| Roca | $1,733 |
| Rockville | $1,793 |
| Rogers | $1,745 |
| Rosalie | $1,709 |
| Royal | $1,733 |
| Rulo | $1,721 |
| Rushville | $1,769 |
| Ruskin | $1,673 |
| Saint Helena | $1,709 |
| Salem | $1,733 |
| Sargent | $1,817 |
| Saronville | $1,673 |
| Schuyler | $1,709 |
| Scotia | $1,709 |
| Scottsbluff | $1,805 |
| Scribner | $1,745 |
| Seneca | $1,817 |
| Seward | $1,697 |
| Shelby | $1,685 |
| Shelton | $1,649 |
| Shickley | $1,661 |
| Shubert | $1,721 |
| Sidney | $1,769 |
| Smithfield | $1,745 |
| Snyder | $1,757 |
| South Sioux City | $1,769 |
| Sparks | $1,793 |
| Spencer | $1,817 |
| Sprague | $1,745 |
| Springfield | $1,721 |
| Springview | $1,805 |
| St Columbans | $1,781 |
| St. Edward | $1,733 |
| St. Paul | $1,649 |
| Stamford | $1,733 |
| Stanton | $1,709 |
| Staplehurst | $1,733 |
| Stapleton | $1,817 |
| Steele City | $1,685 |
| Steinauer | $1,757 |
| Stella | $1,721 |
| Stockville | $1,853 |
| Strang | $1,649 |
| Stratton | $1,865 |
| Stromsburg | $1,625 |
| Sumner | $1,745 |
| Superior | $1,685 |
| Surprise | $1,637 |
| Sutton | $1,649 |
| Swanton | $1,733 |
| Syracuse | $1,733 |
| Table Rock | $1,769 |
| Talmage | $1,733 |
| Taylor | $1,829 |
| Tecumseh | $1,733 |
| Tekamah | $1,781 |
| Terrytown | $1,829 |
| Thedford | $1,817 |
| Thurston | $1,745 |
| Tilden | $1,685 |
| Tobias | $1,709 |
| Trenton | $1,865 |
| Trumbull | $1,673 |
| Tryon | $1,853 |
| Uehling | $1,745 |
| Ulysses | $1,637 |
| Unadilla | $1,745 |
| Union | $1,745 |
| Upland | $1,697 |
| Utica | $1,685 |
| Valentine | $1,793 |
| Valley | $1,781 |
| Valparaiso | $1,721 |
| Venango | $1,829 |
| Verdigre | $1,733 |
| Verdon | $1,745 |
| Virginia | $1,769 |
| Wahoo | $1,745 |
| Wakefield | $1,673 |
| Wallace | $1,841 |
| Walthill | $1,769 |
| Walton | $1,745 |
| Washington | $1,781 |
| Waterbury | $1,697 |
| Wauneta | $1,877 |
| Wausa | $1,673 |
| Waverly | $1,769 |
| Wayne | $1,709 |
| Weeping Water | $1,793 |
| Wellfleet | $1,817 |
| West Point | $1,709 |
| Western | $1,733 |
| Westerville | $1,817 |
| Weston | $1,709 |
| Whiteclay | $1,781 |
| Whitman | $1,793 |
| Whitney | $1,781 |
| Wilcox | $1,673 |
| Willow Island | $1,697 |
| Wilsonville | $1,745 |
| Winnetoon | $1,721 |
| Winside | $1,745 |
| Winslow | $1,745 |
| Wisner | $1,733 |
| Wolbach | $1,697 |
| Wood Lake | $1,781 |
| Wood River | $1,649 |
| Woodland Park | $1,673 |
| Wymore | $1,769 |
| Wynot | $1,709 |
| York | $1,601 |
| Yutan | $1,745 |
| Company | Annual Premium |
|---|---|
| Farmers Mutual of Nebraska | $1,212 |
| American National P&C | $1,375 |
| IMT Insurance Company | $1,478 |
| Shelter | $1,810 |
| Farmers | $1,938 |
| Allstate | $1,947 |
| AAA | $1,999 |
| Auto-Owners Insurance Co | $2,071 |
| Iowa Farm Bureau | $2,131 |
| Progressive | $2,557 |
| State Farm | $5,143 |
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,826 | 1% | $10 |
| One Med/PIP claim | $1,830 | 1% | $14 |
| Not-at-fault accident | $1,925 | 6% | $109 |
| One comp claim | $1,958 | 7% | $143 |
| Two Med/PIP claims | $1,970 | 9% | $154 |
| Failure to wear a seat belt | $2,029 | 12% | $213 |
| Cell phone violation | $2,031 | 12% | $215 |
| Texting while driving | $2,031 | 12% | $215 |
| Failure to show documents | $2,032 | 12% | $217 |
| Driving with expired registration | $2,045 | 13% | $229 |
| Driving without lights | $2,064 | 14% | $248 |
| Failure to yield | $2,090 | 16% | $275 |
| Child safety restraint | $2,093 | 16% | $277 |
| Driving too slowly | $2,095 | 16% | $279 |
| Speeding in school zone | $2,106 | 16% | $291 |
| Failure to stop at a red light | $2,119 | 17% | $303 |
| Illegal turn | $2,131 | 18% | $315 |
| Speeding 6 - 10 MPH over limit | $2,156 | 19% | $340 |
| Following too closely | $2,160 | 19% | $344 |
| Passing school bus | $2,164 | 20% | $348 |
| Speeding 11 - 15 MPH over limit | $2,183 | 21% | $368 |
| Improper passing | $2,185 | 21% | $370 |
| Two comp claims | $2,189 | 21% | $374 |
| Speeding 16 - 20 MPH over limit | $2,199 | 22% | $383 |
| Speeding 21 - 25 MPH over limit | $2,240 | 24% | $425 |
| Wrong way/wrong lane | $2,250 | 24% | $434 |
| In 65 MPH zone | $2,339 | 29% | $523 |
| Operating a vehicle without permission | $2,364 | 31% | $549 |
| At-fault accident - less than $1000 | $2,377 | 31% | $561 |
| Open container | $2,392 | 32% | $576 |
| At-fault accident - $1000-$2000 | $2,618 | 45% | $802 |
| At-fault accident - greater than $2000 | $2,667 | 47% | $851 |
| Reckless driving | $3,040 | 68% | $1,225 |
| Driving with a suspended license | $3,141 | 73% | $1,325 |
| Refusal to submit to a chemical test | $3,212 | 77% | $1,397 |
| DUI | $3,288 | 82% | $1,473 |
| Racing | $3,369 | 86% | $1,553 |
| Leaving scene of an accident/hit and run | $3,378 | 87% | $1,563 |
| Year | Avg. Annual Premium - Nebraska | Yearly Change - Nebraska | Avg. Annual Premium - US | Yearly Change - US |
|---|---|---|---|---|
| 2021 | $1,599 | $78 | $1,539 | $56 |
| 2020 | $1,531 | $93 | $1,493 | $71 |
| 2019 | $1,448 | $178 | $1,554 | $33 |
| 2018 | $1,280 | -$536 | $1,531 | $94 |
| 2017 | $1,806 | $244 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $88 |
| 2015 | $1,895 | $226 | $1,290 | $61 |
| 2014 | $1,679 | $165 | $1,239 | $44 |
| 2013 | $1,524 | -$53 | $1,205 | -$70 |
| 2012 | $1,587 | $333 | $1,286 | $92 |
Be always aware that discounts vary based on the insurance companies. So, the best way to get discounted insurance is by contacting them directly to determine which ones you qualify for.
The auto 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.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
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
Expect to be charged with a Class II offense if you are caught driving without insurance in Nebraska. Also, expect penalties like a minimum fine of $50, suspension of license till you provide insurance proof, and getting an SR-22 certificate.
Nebraska car insurance policies include $25000 for bodily injuries per person and $50000 for bodily injuries per accident. The property damage liability coverage includes coverage of $25000. The coverage includes $25000 bodily injury per person and $50000 bodily injury per accident for uninsured motorists.
Nebraska's average auto car insurance cost is around $786 per year or $65 per month for minimal coverage. At the same time, the average cost for full-coverage insurance costs around $1606 per year.
Nebraska doesn't have no-fault auto insurance. So, the driver who causes the accident will be responsible for all the damages. Whenever you get involved in an accident in Nebraska, whether you are at fault or not, the law enforcement officer on the scene will request proof of insurance from all involved drivers. You will usually be given a court date within ten days if you fail to provide adequate proof of insurance at the scene. Within ten days, you need to present proof that you were insured at the time of the accident. If you fail to do so, your driver's license will get suspended.
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