Best Cheap Car Insurance Options in Nebraska

Updated September 5, 2023 | by Aaron BessonAaron Besson is a staff writer at QuoteWizard, where he specializes in auto, home and renters insurance. His work has been cited by CBS, iHeart Radio, the Sacramento Bee and Yahoo.

Cheapest full-coverage auto insurance rates in Nebraska: American Family

According to our data we found that American Family has the cheapest rate for full-coverage car insurance in Nebraska. The average monthly cost of full-coverage insurance in the state is $143, making American Family 27% cheaper than the average.

Nebraska Farm Bureau, Nationwide and GEICO also had affordable quotes under the state average. When comparing Nebraska to the U.S. average, Nebraska drivers on average pay 12% less than most states.

Average monthly full-coverage rates by company

Company	Average monthly rate
USAA*	$80
American Family	$104
Nebraska Farm Bureau	$110
Nationwide	$117
GEICO	$122
State Farm	$125
Progressive	$127
Average	$143
Mid-Century	$212
Allstate	$292
Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *USAA has the cheapest rate if you qualify for membership

Cheapest minimum-coverage auto insurance rates in Nebraska: Nebraska Farm Bureau

Nebraska Farm Bureau is the most affordable option for drivers looking for minimum-coverage car insurance quotes. The average annual cost for drivers in Nebraska is $684. This makes Nebraska Farm Bureau 33% cheaper than the average.

Progressive, State Farm and GEICO are slightly more expensive than Nebraska Farm Bureau, but still offer rates below the state average.

Average monthly minimum-coverage rates by company

Company	Average monthly cost
USAA*	$30
Nebraska Farm Bureau	$38
Progressive	$41
State Farm	$45
GEICO	$46
American Family	$49
Nationwide	$54
Average	$57
Allstate	$97
Mid-Century	$108
Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *USAA has the cheapest rate if you qualify for membership

Cheapest car insurance in Nebraska for drivers with bad credit: GEICO

GEICO has the most affordable quotes in Nebraska for drivers with bad credit looking for minimum or full coverage. Compared to State Farm, which is the most expensive option, GEICO offered rates up to 70% less expensive.

According to our data, Nebraska drivers with a credit score between 500 and 600 on average pay 90% more for full coverage than drivers with a good credit score above 700.

Cheapest car insurance for drivers in Nebraska with a prior incident

Whether it's a traffic violation or an accident, a prior mishap can make it more expensive to get car insurance in Nebraska. However, several insurance companies in the state offer competitive rates to drivers with a less-than-perfect driving record.

It's important to do your due diligence and compare quotes from multiple companies after any sort of incident to ensure you're getting the best rate for you.

Cheapest for drivers with a speeding ticket: Nebraska Farm Bureau

If you have a speeding ticket on your record, Nebraska Farm Bureau is the cheapest option for both minimum- and full-coverage insurance in Nebraska.

Compared to the state average for minimum coverage, Nebraska Farm Bureau has rates as much as 62% cheaper. When compared to the state average for full coverage, rates were as much as 67% lower.

American Family, State Farm and GEICO also offer competitive rates for drivers with a speeding ticket.

Cheapest for drivers with an at-fault accident: State Farm

Drivers with a recent at-fault accident will see their rates go up on average 52% for a minimum-coverage policy and 62% for a full-coverage policy.

According to our 2023 data, State Farm has the most affordable rates for drivers with a recent accident on their records. Nebraska Farm Bureau, American Family and Progressive also offer competitive rates. Make sure to shop and compare quotes after an accident.

Cheapest auto insurance for drivers with a DUI: Nebraska Farm Bureau

After a DUI, you can be sure your car insurance rate will increase. On average, in the state of Nebraska, drivers with a clean record saw an increase of 54% for minimum- and full-coverage policies. According to our data, Nebraska Farm Bureau has the cheapest rate for both minimum- and full-coverage policies for drivers with a DUI on their record.

American Family, State Farm and Progressive also offered competitive rates that are below the state averages.

Cheapest auto insurance for senior drivers in Nebraska: Progressive and Nebraska Farm Bureau

Progressive and Nebraska Farm Bureau have the most affordable quotes for senior drivers in the state of Nebraska. The cost of a minimum-coverage policy was slightly less with Progressive, and the two companies tied for a full-coverage policy.

Senior drivers in Nebraska pay 45% less than the national average for minimum car insurance. This makes Nebraska a cheaper-than-average state for senior drivers.

Cheapest car insurance for teen drivers in Nebraska: GEICO

Teenagers are typically considered to be high-risk drivers, so they pay more for car insurance than older drivers. In Nebraska, the average cost of car insurance for a 16-year-old driver is $452 per year. This is 216% higher than the average cost for a 35-year-old driver with a clean driving record.

GEICO offers the most affordable car insurance for teen drivers in Nebraska. However, Nebraska Farm Bureau, State Farm and American Family also offer competitive rates. It is important to compare quotes from multiple companies to find the best deal.

Cheapest auto insurance for married drivers in Nebraska: Progressive

Married drivers in Nebraska with a good driving record can find the cheapest price for car insurance from Progressive. Progressive has rates up to 41% lower than the national average.

Nebraska Farm Bureau, State Farm and Nationwide also offered competitive rates below the average rate.

Cheapest car insurance in Nebraska based on gender: American Family

When comparing the cost of insurance based on gender, the average 35-year-old female and male pay similar rates in the state of Nebraska, with the average price being the same. American Family is the cheapest option for both genders for minimum- and full-coverage options.

Average minimum-coverage rates based on gender

Company	Male	Female
USAA*	$80	$80
American Family	$104	$104
Nebraska Farm Bureau	$110	$123
Nationwide	$117	$115
GEICO	$122	$114
State Farm	$125	$125
Progressive	$127	$121
Average	$143	$143
Mid-Century	$212	$217
Allstate	$292	$292
Rates are for minimum-coverage car insurance for 35-year-old males and females with a good driving record. *USAA has the cheapest rate if you qualify for membership

What are the car insurance requirements in Nebraska?

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 liability car insurance limits required by law. 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

SR-22 insurance in Nebraska

SR-22 insurance is a type of insurance that is required by the state of Nebraska for drivers who have had their license suspended or revoked due to a driving violation. The purpose of SR-22 insurance is to demonstrate to the state that the driver has met the financial responsibility requirements to be reinstated as a driver.

In Nebraska, SR-22 insurance is required for the following driving violations:

• DUI
• Reckless driving
• Habitual traffic offender
• Accumulation of 12 or more points on your driving record in two years
• No proof of insurance

The SR-22 form is filed with the Nebraska Department of Motor Vehicles (DMV) by the driver's insurance company. The form certifies that the driver has maintained a minimum level of liability insurance coverage for the required time.

The length of time that SR-22 insurance is required in Nebraska varies depending on the driving violation. For most violations, SR-22 insurance is required for three years. However, SR-22 insurance may be required for DUI convictions for five years.

SR-22 insurance can be expensive, as insurers typically charge a premium for high-risk drivers. However, it is important to remember that SR-22 insurance is a requirement for drivers who want to have their license reinstated in Nebraska.

Nebraska driver report

QuoteWizard recently released a study on the best and worst driving cities in Nebraska. The study found that Nebraska drivers rank 13th worst in the nation overall when factors such as accidents, speeding tickets, DUIs and citations are taken into account. However, the state's road infrastructure is in good condition, and Nebraska ranks 12th best in the country for the percentage of non-acceptable roads and bridge quality.

Best and worst drivers in Nebraska

As part of our study we also analyze data from the National Highway Traffic Safety Administration (NHTSA) to find the percentage of accidents that were caused by distracted drivers. According to our data, out of 1032 fatal crashes between 2017 and 2021, 6% involved a distracted driver. This puts Nebraska in the 30th spot for worst distracted driving states.

Rating Nebraska's road infrastructure and how it impacts drivers

Nebraska has some of the best road conditions in the United States and ranks in the 12th spot for best road conditions. The annual cost for motorists in the state is $461, which is 17% lower than the national average. The state has 7% of roads in “non-acceptable” condition and 5% of bridge deck in “non-acceptable” condition.

Best and worst drivers by age group

Teenage drivers in Nebraska are more likely to be involved in dangerous driving incidents than any other age group. Our study found that drivers under the age of 20 had more than eight times the rate of dangerous driving incidents as drivers aged 80 and older.

Several factors contribute to this disparity, including inexperience, risk-taking behavior, and distractions. Teenage drivers simply have less experience on the road, which can lead to mistakes. They are also more likely to engage in risky behaviors, such as speeding and distracted driving.

Methodology

The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across the state of Nebraska. Unless otherwise noted, our sample driver is a single 35-year-old. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.

Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state

Full coverage policies include the following coverages, limits and deductibles:

• Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
• Property damage liability: $100,000 limit
• Collision: $500 deductible
• Comprehensive: $500 deductible

Driver report: QuoteWizard analyzed over 100,000 car insurance quotes to determine Nebraska's best- and worst-driving cities. Drivers were evaluated based on the number of accidents, citations, speeding tickets and DUIs in each city. QuoteWizard evaluated Federal Highway Administration data on road and bridge quality to determine the number of roads and bridges in “poor” or “unacceptable” condition.

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