Best Auto Insurance Rates in Nebraska

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How to Get Cheap Car Insurance in Nebraska

Auto-Owners and USAA are the best companies for cheap car insurance in Nebraska, according to a QuoteWizard survey of carriers serving the Cornhusker State.

Nebraska drivers pay an average of $214 per year when they buy the minimum amount of car insurance the state requires from Auto-Owners. They pay an average of $723 per year for a full-coverage policy when they buy it from USAA.

EMC and IMT also offer cheap car insurance to Nebraskans. Drivers in this state pay an average of $220 per year when they get state-minimum coverage from EMC, and an average of $739 per year when they get full coverage from IMT.

These rates are well below the state averages for such car insurance policies. Based on our data, a typical driver in Nebraska spends $381 per year on a minimum-coverage policy and $965 per year on a full-coverage policy.

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Where can I buy cheap car insurance in Nebraska?

Auto-Owners is the best company for cheap car insurance in Nebraska if you want to buy state-minimum coverage. It offered our sample driver an average premium of $214 per year.

USAA is the best company for cheap car insurance in Nebraska if you’re looking for full coverage. This carrier offered our driver an average premium of $723 per year.

These average premiums are based on rate quotes gathered for a typical driver.

Although Auto-Owners and USAA came out on top in our survey of Nebraska’s car insurance providers, it is possible to get affordable coverage elsewhere.

cheapest minimum car insurance in nebraska

Both EMC and IMT sent our sample driver average annual rates for minimum-coverage policies that were nearly as low as what Auto-Owners sent. At $220 per year, EMC’s average rate quote was just $6 per year more than Auto-Owners’, while IMT’s average rate quote was $17 per year more.

Also, six other insurers sent our driver average rate quotes that were below the state average of $381 per year for minimum coverage.

What about full-coverage auto insurance, which usually provides liability, collision and comprehensive protections? Auto-Owners and IMT weren’t far behind USAA in this area, according to our research.

cheapest full-coverage car insurance in nebraska

Auto-Owners gave our sample driver an average rate quote that was only $11 per year more than USAA’s offering. IMT’s average rate quote was $16 per year more than USAA’s.

State Farm, Progressive, Nationwide and Farm Bureau all offered average annual rates below the state average of $965 per year for full-coverage car insurance, too.

Don’t feel like you have to limit yourself to these insurers when you shop for insurance in Nebraska. Compare quotes from several companies before you buy a policy. A number of different rate factors determine what you pay for coverage, so the quotes you get might be more or less expensive than the ones highlighted here.

What are the best car insurance companies in Nebraska?

Auto-Owners and USAA are the best car insurance companies in Nebraska for drivers who want cheap coverage, based on our data. EMC and IMT are also great options.

Auto-Owners: best for cheap state-minimum car insurance

Auto-Owners is our pick for best cheap state-minimum auto insurance in Nebraska.

It offered our sample driver an average rate of $214 per year for a minimum-coverage policy. That’s $167 per year, or about $14 per month, cheaper than the state average for such coverage.

EMC: runner-up for cheap state-minimum car insurance

EMC offered our sample driver an average rate of $220 per year for minimum-coverage car insurance.

That’s only $6 per year, or 50 cents per month, more than the average rate Auto-Owners offered. And it’s $161 per year, or about $13.50 per month, cheaper than the state average for minimum coverage.

USAA: best for cheap full-coverage car insurance

USAA is our pick for best cheap full-coverage auto insurance in Nebraska.

It offered our sample driver an average rate of $723 per year for a full-coverage policy. That’s $242 per year, or $20 per month, cheaper than the state average for such coverage.

IMT: another good option for cheap minimum and full coverage in Nebraska

IMT may not be a runner-up for best state-minimum and full-coverage car insurance in Nebraska, but the average rates it sent our sample driver were still among the cheapest.

In terms of state-minimum car insurance, IMT sent our sample driver an average rate of $231 per year. That’s less than $1.50 per month more than the average rate Auto-Owners sent.

Also, IMT sent our driver an average rate of $739 per year for a full-coverage policy. That’s less than $1.50 per month more than the average rate USAA offered for such coverage.

State Farm is the most popular car insurance company in Nebraska, based on data from S&P Global. It commands 21% of the state’s market share in this area.

USAA, our pick for best cheap full-coverage car insurance, writes 5% of Nebraska’s auto policies. That’s enough for it to be seventh in terms of state market share.

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Insurance company Nebraska market share
State Farm 21%
Progressive 13%
Farmers Mutual 12%
American Family >7%
Farm Bureau >7%
GEICO >6%
USAA >5%
Allstate >5%
Nationwide >5%
Farmers >3%
Source: S&P Global

Auto-Owners, our pick for best cheap minimum-coverage car insurance, is Nebraska’s 13th most popular carrier. It writes 2% of the state’s policies.

The other two insurers highlighted in this article, IMT and EMC, sit in 19th and 37th place as far as market share is concerned. They write 0.5% and 0.03% of Nebraska’s auto policies, respectively.

What are Nebraska’s auto insurance requirements?

Nebraska law requires all vehicles operated on public roadways to have a minimum of 25/50/25 car insurance coverage. That means they must include at least:

  • $25,000 of bodily injury liability coverage per person.
  • $50,000 of bodily injury liability coverage per crash.
  • $25,000 of property damage liability coverage per crash.

Penalty for driving without insurance in Nebraska

If you are convicted or found guilty of a “No Proof of Insurance” citation in Nebraska, the state will suspend your driver’s license or your driving privileges.

To reinstate your driver’s license or privileges, you must:

  • File proof of financial responsibility, usually in the form of an SR-22 certificate of insurance, with the Nebraska Department of Motor Vehicles (DMV) for three years.
  • Pay a $50 reinstatement fee.

SR-22 insurance in Nebraska

The state may suspend your driver’s license or driving privileges for several reasons. Failing to prove you’ve got insurance, or you’ve got enough insurance, on a vehicle is one example.

Before you can get back on the road, you have to show the state your vehicle is insured. To do this after a “No Proof of Insurance” conviction, you need to file an SR-22 form with the Nebraska DMV for three years.

Methodology

We conducted a comprehensive study of auto insurance rates in Nebraska through Quadrant Information Services. The quotes we collected were for a single, 35-year-old male who has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.

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