Nebraska Car Insurance

Nebraska car insurance rates cost $98/mo, or $1,176/yr on average. Liability car insurance minimums of 25/50/25 are required for all vehicles registered in the state, or drivers run the risk of vehicle registration suspension, heavy fines, and other possible penalties imposed by the state. Scroll down to start comparing Nebraska auto insurance quotes now for free to find affordable coverage in your neighborhood.

UPDATED: Feb 16, 2024Fact Checked

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Tonya Sisler

Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...

Content Team Lead

Brad Larsen

Licensed Auto Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Auto Insurance Agent

UPDATED: Feb 16, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

UPDATED: Feb 16, 2024Fact Checked

Nebraska car insurance laws are higher than most states but still less than reasonable for most drivers. The biggest downfall with Nebraska car insurance requirements are simply the requirement only for liability insurance which does not cover any damage or injuries sustained by the insured in a car accident – just damage and injury costs to others (up to the policy limits)

Take a look at how state minimum car insurance rates vary from state to state.

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Nebraska Car Insurance Laws

Liability car insurance is required for all vehicles registered in Nebraska and drivers must comply with minimum levels of coverage or risk vehicle registration suspension, heavy fines and other possible penalties imposed by the state. Current (2010) minimum liability auto insurance requirements in Nebraska are as follows:

  • $25,000 liability insurance per person per accident
  • $50,000 liability coverage per accident (for all persons)
  • $25,000 in property damage liability insurance

While these limits seem high enough to cover damage to most cars many drivers still choose to carry higher levels of liability coverage due to the potential exposure to personal liability from exorbitant medial costs in America. Drivers also usually end up securing additional types of coverage such as comprehensive and collision insurance to have coverage for damages to their vehicles. It’s important to consider an insurance policy with different types of coverage and sufficient levels of coverage as any damage not covered or exceeding policy limits can certainly expose a driver to personal liability. Additional coverage is quite affordable and Nebraska drivers average around around 20% lower car insurance premiums than the national average.

Let’s take a look at the average monthly car insurance rates.

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Who are the Top Nebraska Car Insurance Companies?

The state of Nebraska has well over 100 licensed car insurance companies who offer auto insurance coverage however 73% of the market share is held by only 14 auto insurers. The top auto insurance companies in Nebraska are:

  • Allstate
  • American Family Mutual
  • American Standard Insurance
  • Farm Bureau Mutual
  • Farmers Insurance
  • Farmers Mutual
  • Motor Club Insurance Association
  • Nationwide
  • Progressive
  • Shelter Mutual Insurance
  • State Farm
  • USAA

Nebraska Car Insurance Quotes

Let’s take a closer look at how ZIP codes affect car insurance in Nebraska.

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Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in NE.

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Take a look at these 6 major factors affecting auto insurance rates in Nebraska.

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Explore the Car Insurance Cost in Nebraska by City

Discover the nuances of car insurance costs in Hubbard, Newman Grove, and Plattsmouth, NE. This brief analysis sheds light on the factors influencing variations in insurance rates across these cities, helping residents make well-informed decisions for their coverage needs.

Car Insurance Cost in Nebraska by City
Hubbard, NE
Newman Grove, NE
Plattsmouth, NE

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Now let’s see who is the cheapest car insurance company in Nebraska.

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Who are the largest car insurance companies in Nebraska?

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Almost all Nebraska car insurance companies offer free car insurance quotes online or through a toll free phone number so finding rates to compare will be easy. The trick to finding the best Nebraska car insurance quotes however is to compare potential insurance policies equal which means understanding the types of coverage and policy details each company has to offer. You may want to brush up on your knowledge of auto insurance coverage well ahead of any car insurance comparison search as the more you know the more you can possibly save on policy premiums.

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Tonya Sisler

Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...

Content Team Lead

Brad Larsen

Licensed Auto Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Auto Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Nebraska Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Nebraska
Factors Affecting Car Insurance Rates in Nebraska
Nebraska Car Insurance Rates by Company vs. State Average
Nebraska Car Insurers by Market Share %
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Nebraska Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Nebraska
Factors Affecting Car Insurance Rates in Nebraska
Nebraska Car Insurance Rates by Company vs. State Average
Nebraska Car Insurers by Market Share %