The Cheapest Car Insurance in Nebraska for September 2025

  • American National P&C offers the cheapest rates for full coverage insurance in Nebraska at $45 per month.
  • American National P&C provides the cheapest liability coverage at $16 per month in Nebraska.
  • At $133 per month, Lincoln is the cheapest city for car insurance in Nebraska NE 
Nebraska Landmark Nebraska Landmark
American National P&C

$16/mo

American National

$18/mo

Farmers

$18/mo

Sara Sam
Written by Sara Sam
Edited by Renee Martin

Why Thousands of Nebraska Drivers Trust Way.com

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.

How Much Does Car Insurance Cost in Nebraska

The car owners in Nebraska pays on an average of $805 for six months for car insurance, which is the national average. American National P&C offers cheap and the best rates in Nebraska.

Cheapest Liability Car Insurance 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 you will have to pay at least $/month for your car insurance premium, which is the highest in Nebraska.

Cheapest Liability Coverage in NE

Are minimum liability insurance limits enough for Nebraska?

Minimum liability insurance provides basic coverage but often falls short in covering major accidents, leaving drivers vulnerable. Upgrading to full coverage car insurance in Nebraska or increasing coverage limits can offer better financial protection. Compare car insurance quotes in Nebraska to find affordable options that suit your needs.

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Cheap Full Coverage Car Insurance in Nebraska

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 offers the most expensive rate at $ per month.

Full coverage quotes in NE

Way Tip

How to get your cheap full coverage insurance?

  • Combine your car insurance with home or renters insurance for exclusive savings.
  • Low-mileage drivers can score better rates by opting for pay-per-mile plans.
  • Stick with one car insurance company for annual renewal discounts and exclusive member perks.

Avoid Hidden Costs on Your Nebraska Car Insurance Bill

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Best Car Insurance Companies in Nebraska: Compared & Ranked

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

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. 

Auto-Owners Insurance Co

The average premium of Auto-Owners Insurance Co is $303, which is higher than American National P&C's by $. Their higher monthly premium is, due to their strict policies on traffic violations.

Progressive

Progressive's premium is $380, which is significantly more expensive than Auto-Owners Insurance Co's by $. Their monthly premium is higher due to their strict policies on DUI infractions.

Best Car Insurance Companies in NE

Our Review Process

How Way Uncovers the Best Car Insurance Deals?

  • The car insurance rates in this guide are based on extensive research by Way’s data team.
  • The average car insurance costs of each company in Nebraska.
  • A mix of public and internal data was used to analyze millions of rate averages across U.S. ZIP codes.
  • Quotes in this guide are typically based on a full coverage policy unless noted otherwise.
  • The author has expertise from 5+ years in the insurance industry

Cheap Car Insurance for Teen & Young Drivers in NE

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 $1441 for 6 months, which is the national average.

American National P&C is the best options for cheap car insurance for young drivers in Nebraska.

Best Car Insurance Discounts for Young Drivers in Nebraska

Teen Car Insurance Rates in NE by Age
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Top companies in NE for Teens

Company Name Avg. 6 Mo. Premium Avg. Monthly Premium
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Way Tip

What Teen Drivers can do to Drive Smarter

  • Install company-approved safety devices and enjoy lower premiums.
  • Monitor your driving habits with trackers for potential discounts.
  • Opt for temporary coverage adjustments during school breaks.

Smart drivers in Nebraska save big on car insurance!

Nebraska Car Insurance Price Trends & Rate Forecasts

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 by $ in compared to $ of . In other words, there has been an by $ when you compare and .

The average full coverage insurance cost in the Nebraska remained steady at $ in both and , indicating no change over the two-month period.

The average cost of liability insurance in the Nebraska to $ in , compared to $ in . This represents an of $ when comparing and .

The average liability insurance cost in the Nebraska remained steady at $ in both and , indicating no change over the two-month period.


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Car Insurance Quotes in Nebraska After an At-Fault Accident

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 is the most expensive option at $/month for an at-fault accident.

Best insurance companies in NE after an accident

Why Way.com Recommends American National P&C Insurance in Nebraska?

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.

How Traffic Violations Affect Car Insurance Rates in Nebraska

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.

How Driving Violations Affect Car Insurance Quotes in Nebraska

Way Tip

How to Reset Rates after a Driving Violation

  • Switch to pay-per-mile or telematics-based policies to reduce premiums while demonstrating safer driving habits.
  • Find insurers that lower rates for completing state-approved driving courses.
  • Find providers that offer accident forgiveness, sparing your wallet after one-off violations.

Affordable Car Insurance in Nebraska After a DUI or SR-22

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. at $ per month is the most expensive provider.

DUI Car Insurance Quotes in Nebraska: What to Expect

SR-22 Car Insurance in Nebraska: How to File & Save

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.

Steps to Get an SR-22 in Nebraska?

If You're Insured:

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.

If You're Uninsured:

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.

If You Don't Own a Car:

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.

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Car Insurance Rates by City in Nebraska ( Update)

Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.

Car insurance quotes in Nebraska's biggest cities

Frequently Asked Questions

Who has the cheapest car insurance in Nebraska? Down icon
Getting the cheapest car insurance in Nebraska depends on several factors and can vary based on each applicant’s profile. For instance, American National P&C offers the cheapest car insurance rates in Nebraska at $267 for six months. Car insurance rates varies based on various factors like age, driving history, credit score, and age.
How much is car insurance in Nebraska? Down icon
In Nebraska, the average cost of car insurance is $217 for liability coverage and $805 for full coverage. These rates are than the national average of $312 for liability coverage and the national average of $1128 for full coverage.
How much does car insurance cost per month in Nebraska? Down icon
The cheapest monthly car insurance rate in Nebraska is $45 for full coverage and $133 for liability coverage. However, younger drivers will have to pay higher rates than older drivers. The cheapest rate for teens in Nebraska is $19 for a month. The state and the respective zip codes play a key role in the car insurance rates.
Why is car insurance so expensive in Nebraska? Down icon
Car insurance in Nebraska is expensive due to factors like high traffic congestion, expensive repair costs, and frequent weather-related accidents like floods and hailstorms.
What is the minimum insurance you need to drive a car in Nebraska? Down icon
In Nebraska, the minimum required car insurance includes $25,000 for injury or death of one person, $50,000 for multiple people, and $10,000 for property damage.

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Car Insurance Rates in Cities Near Nebraska

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