Best, Cheapest Car Insurance in Nebraska
State Farm and USAA offer the cheapest car insurance rates in Nebraska. According to our research, State Farm has an average monthly rate of $33 for minimum-coverage car insurance and $80 for full coverage. USAA offers minimum coverage for $33 a month on average, and full coverage for $88 a month. These rates are considerably lower than the state average rates of $48 a month for minimum coverage and $115 a month for full coverage.
In order to find a car insurance quote for the best coverage at the best price, you'll need to do a little research. That's where we come in. We've looked at the costs, policy offerings and customer satisfaction trends of the seven biggest car insurance providers operating in Nebraska to help you find a cheap car insurance quote.
This article will cover:
How much is car insurance in Nebraska?
The average cost of minimum-coverage car insurance in Nebraska is $33 a month, 62% lower than the national average of $87 a month. The average cost of full-coverage car insurance in Nebraska is $115 a month, 26% lower than the national average.
| Region | Minimum coverage | Full coverage |
|---|---|---|
| Nebraska | $33 | $115 |
| U.S. | $87 | $155 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Nebraska's higher rates are due in part to the number of uninsured drivers there. According to the Insurance Information Institute, 9.3% of drivers in Nebraska do not have the minimum amount of car insurance the state requires. This results in higher premiums for insured drivers. Extreme weather in Nebraska, such as flooding, also increases the risk of an accident there. Insurers increase premiums to offset the cost.
Other factors that can affect your car insurance rates include:
- The make and model of your car
- Your age
- Your insurance history
Who has the cheapest car insurance in Nebraska?
State Farm has the cheapest rates for both minimum- and full-coverage auto insurance in Nebraska. Its average rate for minimum coverage is $33 a month, and its average full-coverage rate is $80.
USAA has the second-cheapest rates in Nebraska for both types of coverage. Its average minimum-coverage rate is $33 a month, and its full-coverage rate is an average $88 a month.
| Company | Average monthly rate |
|---|---|
| State Farm | $33 |
| USAA | $33 |
| Farm Bureau | $36 |
| American Family | $43 |
| Progressive | $47 |
| Statewide average | $48 |
| Allstate | $49 |
| Nationwide | $50 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
| Company | Average monthly rate |
|---|---|
| State Farm | $80 |
| USAA | $88 |
| American Family | $97 |
| Farm Bureau | $111 |
| Nationwide | $112 |
| Statewide average | $115 |
| Progressive | $118 |
| Allstate | $137 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Nebraska's best car insurance companies
We found that State Farm, USAA and American Family offer the best combinations of cost and coverage out of the seven biggest car insurance companies in Nebraska. Here's why:
State Farm: cheapest rates and most popular
State Farm has the cheapest rates for both minimum and full-coverage car insurance in Nebraska. State Farm's average minimum-coverage rate of $33 a month is 31% lower than the state average of $48. The average full-coverage rate of $80 a month is 30% lower than the state average of $115.
State Farm also stands out as the most frequently used car insurance provider, holding 16.2% of the car insurance market share in the country, according to the Insurance Information Institute. State Farm's popularity comes in part due to its consistent customer satisfaction. It holds a rating of 892 out of 1,000 for claims satisfaction in J.D. Power's 2021 U.S. Auto Claims Satisfaction Study.
The annual study rates car insurance companies based on factors including claims process, policy offerings and customer service. The industry average is 880, putting State Farm well above that.
USAA: cheap rates and best for military
USAA has the second-cheapest car insurance rates in Nebraska, at $33 a month for minimum coverage and $88 a month for full coverage. USAA is unique in that it only provides car insurance for military members and veterans, as well as their families. However, if you are currently serving in the Armed Forces in Nebraska, USAA offers some good car insurance perks. For example, if you garage your car on base, you could save 15% on your annual premium.
USAA is often considered the king of the hill when it comes to policyholder satisfaction. It received a score of 909 out of 1,000 in J.D. Power's 2021 U.S. Auto Claims Satisfaction Study, higher than State Farm. While rated by J.D. Power, USAA isn't ranked in its annual study due to the company's restricted policyholder pool. Otherwise, it would hold the number one position.
American Family: best discounts
American Family's car insurance rates stay below the state average, at $43 a month for minimum coverage and $97 for full coverage. However, American Family offers a range of discounts that can drop your annual premium even lower. These include:
- Multi-policy discount: if you bundle your car and home insurance policies together with American Family, you can save up to 29% on your auto insurance and 20% on your home insurance.
- Multi-car discount: have more than one car to insure? Adding a vehicle to your policy can bring a discount with it.
- Low-mileage discount: the less you're on the road, the lower your accident risk. If you drive fewer than 7,500 miles a year, it could earn you a discount.
Nebraska's car insurance requirements
Nebraska requires all drivers to carry at least the following liability coverage limits:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage liability per accident: $25,000
Drivers are also required to carry the following minimum coverage limits of uninsured/underinsured motorist insurance for bodily injury:
- Uninsured motorist insurance per person: $25,000
- Uninsured motorist insurance per accident: $50,000
- Underinsured motorist insurance per person: $25,000
- Underinsured motorist insurance per accident: $50,000
Keep in mind these are only the minimum required liability car insurance limits. If you are in a major accident, it is unlikely these limits will be adequate to cover a long hospital stay or a totaled car. If the costs go beyond your policy limits, you'll have to pay the remainder out of pocket. To avoid this, we recommend you raise your liability coverage limits to:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
We used Quadrant Information Services to generate thousands of car insurance quotes for every ZIP code in Nebraska from the following providers:
- Allstate
- American Family
- Farm Bureau
- Nationwide
- Progressive
- State Farm
- USAA
Our sample driver is a 35-year-old male with a clean record who drives a 2012 Honda Accord LX 13,500 miles per year.
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