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.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 24, 2020

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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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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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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 %