For drivers with a decent driving history, the least expensive auto insurance companies in Nebraska are with Farm Bureau Financial Services, State Farm, and Progressive.
Depending on your age and location, each carrier can offer quotes from 18% to 27% lower than the median rate for drivers of similar age and profile.
Other carriers you want to put on your list to get quotes are Nationwide, Farmers Mutual of Nebraska, and Allstate.
Again, depending on age and location, each carrier can offer quotes from 13% to 23% lower than the average premium.
Two insurers with competitive quotes are American Family and Auto-Owners.
I will go into more details below.
In this article I am going to cover the cheapest car insurance carriers by age, the minimum requirements, and a few strategies to help you save on your monthly premium.
If you would like to skip to a certain portion of the article there is a table of contents down a little and to the right.
Note: As illustrated, for a 25 year old driver the lowest rate options are from Farm Bureau Mutual, State Farm, and Progressive. I queried each at $1,244, $1,332, and $1,387 per year. Which is 17% to 22% lower than the average premium for similar age drivers. Nationwide and Allstate offer competitive quotes with prices at $1,388 and $1,489 respectfully.
Minimum Auto Insurance Requirements in Nebraska
Table of Contents
- 1 Minimum Auto Insurance Requirements in Nebraska
- 1.1 Bodily injury Liability
- 1.2 Property Damage Liability
- 1.3 Uninsured Motorist Protection
- 1.4 Best & Cheapest Insurers by Age
- 1.5 Comprehensive & Collision Coverage
- 1.6 Gap Coverage
- 1.7 Best Insurers by Consumer Rating, Rate Change Percentage & Complaints
- 1.8 Typical Coverage in Nebraska
- 1.9 Average Rate by City in Nebraska
For drivers in the Nebraska the minimum liability car insurance is as follows:
| Coverage | Nebraska Minimum Liability Coverage | Recommended Coverage |
|---|---|---|
| Bodily Injury Protection | $25,000 / $50,000 | $100,000 / $300,000 |
| Property Damage | $25,000 | $50,000 |
| Uninsured Motorist Bodily Injury Coverage | $25,000 / $50,000 | $100,000 / $300,000 |
| Medical Payments | Optional | $5,000 |
| Comprehensive Coverage | Optional | $250 - $1,000 deductible |
| Collision Coverage | Optional | $250 - $1,000 deductible |
Bodily injury Liability
In the event the insured individual is at-fault in an accident, bodily injury liability will pay for the medical bills of the other driver and the passengers in their vehicle.
When the minimum quantity of coverage is purchased the insurance firm will pay up to $25,000 for an individual person or $50,000 for multiple people. Source – Allstate
Note: For a 30 year old driver in Nebraska the quotes clustered between $998 and $1,089. The cheapest options are with Farm Bureau Financial (or Mutual), State Farm, and Progressive. Each queried at $998, $1,009, and $1,012 per year for full coverage. Nationwide and Allstate are competitive with low quotes at $1,033 and $1,089 respectfully per year.
Property Damage Liability
Property damage responsibility covers damages to an individual’s vehicle public property like traffic signs or personal property like a place a business.
Under the minimum lawful protection, an insurer will pay up to $25,000 for required repairs.
Note: A 35 year old driver can find competitive rates with Farm Bureau Financial Services, State Farm, and Progressive. I queried each at $812, $814, and $865 per year. Both Farm Bureau and State Farm are 22% lower than the median quote. While Progressive is 19% lower with a quote at $865.
Uninsured Motorist Protection
Since the chance of being involved in an auto accident with an uninsured motorist is high in Nebraska the state requires every driver to get uninsured motorist protection.
The amount of coverage is $25,000 for one passenger and $50,000 for more than one passenger injured in an auto accident.
This coverage is usually written into the bodily injury coverage portion of your policy.
Note: A 40 year old driver will find the cheapest rates with Farm Bureau Mutual, Progressive, and State Farm. Each queried at $721, $725, and $732 respectfully per year. All three carriers are 24% lower than the “mean” quote for similar profile drivers. Nationwide and Allstate offer competitive quotes with prices at $765 and $786.
Best & Cheapest Insurers by Age
Below is a comprehensive list of 19 insurance firms in Nebraska offering the lowest rates for drivers from 25 to 55 years of age.
Overall the carriers consistently offering the lowest quotes are with Farm Bureau Financial Services, State Farm, and Progressive.
Depending on your age and location, each carrier can offer quotes from 18% to 27% lower than the median quote for drivers of similar age and profile.
Farm Bureau Financial Services has membership dues.
However, the small cost to join could be well worth offsetting the lower premium.
Other carriers to get quotes from are Nationwide, Farmers Mutual of Nebraska, and Allstate.
Depending on driving history, each carrier can offer quotes from 13% to 23% lower than the median rate for drivers.
Depending on location, Nationwide, Farmers Mutual, and Allstate can be as competitive as Progressive or Farm Bureau Financial.
Two other carriers which are worth putting on your list to get quotes are American Family and Auto-Owners.
Particularly if you need coverage for more than one vehicle or other items such as your home.
American Family and Auto-Owners offer quotes approximately 9% cheaper than the median rate.
Though not the cheapest, each can offer substantially lower quotes for those needing a multi-policy option.
With the list of insurers you have a blend of regional and national carriers to help you find the cheapest premium possible.
| Nebraska Company | Average Rate 25 Y/O Driver | 30 Y/O Driver | 35 Y/O Driver | 40 Y/O Driver | 45 Y/O Driver | 55 Y/O Driver |
|---|---|---|---|---|---|---|
| Farm Bureau Mutual | $1,244 | $998 | $812 | $721 | $611 | $550 |
| State Farm | $1,332 | $1,009 | $814 | $732 | $621 | $578 |
| Progressive | $1,387 | $1,012 | $865 | $725 | $631 | $580 |
| Nationwide | $1,388 | $1,033 | $905 | $765 | $654 | $581 |
| Farmers Mutual OF Nebraska | $1,401 | $1,057 | $908 | $778 | $644 | $600 |
| Allstate | $1,489 | $1,089 | $954 | $786 | $678 | $556 |
| Farmers | $1,554 | $1,121 | $998 | $787 | $675 | $555 |
| American Family | $1,605 | $1,108 | $1,008 | $788 | $677 | $621 |
| American National | $1,699 | $1,209 | $1,009 | $790 | $679 | $598 |
| Auto-Owners | $1,731 | $1,232 | $1,021 | $801 | $671 | $599 |
| MetLife | $1,749 | $1,278 | $1,043 | $802 | $708 | $634 |
| General Casualty | $1,750 | $1,278 | $1,045 | $809 | $710 | $654 |
| Amica | $1,755 | $1,332 | $1,067 | $809 | $721 | $644 |
| Auto Club Group | $1,756 | $1,378 | $1,078 | $843 | $708 | $621 |
| Shelter | $1,777 | $1,380 | $1,087 | $843 | $743 | $623 |
| 21st Century | $1,777 | $1,345 | $1,167 | $867 | $768 | $610 |
| Liberty Mutual | $1,788 | $1,479 | $1,243 | $887 | $799 | $628 |
| Esurance | $1,787 | $1,500 | $1,244 | $899 | $810 | $654 |
| North Star | $1,721 | $1,443 | $1,277 | $890 | $823 | $674 |
Note: A 45 year old driver in Nebraska can find the least expensive car insurance with Farm Bureau Financial Services, State Farm, and Progressive. I queried each at $611, $621, and $631 respectfully per year for full coverage. All three insurers are over 21% lower than the average premium of similar profile drivers.
Comprehensive & Collision Coverage
While the minimum coverage is required, it is highly recommended to get comprehensive and collision.
If you have a newer model vehicle both optional coverages would provide proper cover in any unforeseen accident.
For late model vehicle or those valued less than $3,000 you may want to compare insurance quotes and consult with a broker or agent when you have found quotes that fit your budget.
Gap Coverage
Nebraska is a state that allows insurers to offer gap coverage.
If your vehicle is financed gap coverage would cover the difference between the “actual-value” and the financed amount from the bank or lending institution.
Best Insurers by Consumer Rating, Rate Change Percentage & Complaints
The table below represents the best insurers by consumer rating, rate change over 18 months, written premiums, and the number of complaints.
The amount of written premiums is included to coincide with the amount of complaints.
All the carriers listed below do not have a high complaint ratio compared to premiums.
The rate change averages from 2.9% to 4.1% which is normal.
If you get a traffic violation your rate can increase 20% or more.
Data compiled is from JD Power & Associates, AM Best, and the Insurance Information Institute or III.org.
Consumer rating data is compiled from reputable online sources to get an average.
| Nebraska Company | Written Premiums | Rate Change < 18 Months | # of Complaints | Consumer Rating out of 5 Stars |
|---|---|---|---|---|
| State Farm | $47,659,344 | +3.4% | 46 | 4.4 |
| Farm Bureau Mutual | $121,528,000 | +3.1% | 44 | 4.1 |
| GEICO | $43,701,791 | +3.4% | 49 | 4.3 |
| USAA | $21,117,743 | +3.1% | 10 | 4.4 |
| Progressive | $81,275,206 | +3.3% | 21 | 4.5 |
| Farmers | $231,702,542 | +3.9% | 26 | 3.9 |
| Farmers Mutual OF Nebraska | $66,920,209 | +4.1% | 36 | 4.1 |
| MetLife | $24,293,753 | +2.9% | 9 | 3.9 |
| Nationwide | $40,911,924 | +2.6% | 14 | 4.4 |
| Liberty Mutual | $56,145,789 | +2.9% | 9 | 4.4 |
| Allstate | $98,012,635 | +4.3% | 29 | 4.3 |
| American National | $823,992 | +2.9% | 21 | 4.2 |
| General Casualty | $1,504,011 | +3.1% | 8 | 4.0 |
| American Family | $78,715,033 | +2.9% | 37 | 4.4 |
| Esurance | $6,331,911 | +3.6% | 4 | 4.3 |
| Safeco | $17,448,310 | +3.5% | 6 | 3.8 |
| Auto Club Group | $21,010,361 | +3.1% | 8 | 3.9 |
| State Auto | $8,292,539 | +2.6% | 2 | 3.9 |
| North Star | $7,125,841 | +4.1% | 12 | 3.8 |
| Auto-Owners | $7,380,259 | +4.1% | 4 | 3.8 |
Typical Coverage in Nebraska
The following is the average amount of coverage per driver in the state of Nebraska:
-
Bodily Injury Liability – $100,000/$300,000
-
Property Damage Liability – $100,000
-
Comprehensive Coverage – $250 deductible
-
Collision Coverage – $500 deductible
-
Uninsured Motorist Protection – $100,000/$300,000
-
Medical Payment Coverage – $5,000
Average Rate by City in Nebraska
Below is the average premium by city in Nebraska.
The rates can vary from $900 to over $1,200 depending on the city or zip code you reside in.
If your quotes are higher than average you may want to look at determining factors by insurers.
Such as your credit, age, lapse in premiums, and if you have had any type of traffic violation in the past.
If you would like a detailed comparison for major cities in Nebraska please read further below.
| City | Average Rate | Population | City | Average Rate | Population | City | Average Rate | Population |
|---|---|---|---|---|---|---|---|---|
| Beatrice | $907 | 12,459 | Kearney | $987 | 30,787 | Ogallala | $1,055 | 4,543 |
| Bellevue | $990 | 50,137 | Laurel | $1,231 | 927 | Ralston | $1,009 | 5,943 |
| Cairo | $1,008 | 785 | Lexington | $1,187 | 10,024 | Scribner | $1,099 | 843 |
| Columbus | $1,050 | 22,851 | Lyons | $1,111 | 814 | Shelton | $1,165 | 1,067 |
| Elkhorn | $1,061 | 7,075 | Nebraska City | $1,165 | 7,289 | Springfield | $1,100 | 1,604 |
| Gothenburg | $1,087 | 3,475 | Newcastle | $1,065 | 326 | St Paul | $1,023 | 2,290 |
| Grand Island | $1,021 | 48,520 | North Platte | $1,088 | 24,733 | Tecumseh | $990 | 1,631 |
| Hastings | $1,099 | 24,907 | Oakland | $1,256 | 1,192 | York | $993 | 7,766 |
Omaha, NE
Finding cheap auto insurance in Omaha is fairly easy if you know where to get quotes from.
Start by getting quotes from Farm Bureau Mutual, State Farm, and Progressive.
By far, the lowest quote is Farm Bureau at $843 for a 30 year old.
Which is 26% lower than the “mean” rate of $1,256 in the city of Omaha.
I queried State Farm and Progressive at $1,011 and $1,044 respectfully per year.
A 45 year old driver would do well by getting quotes from Farm Bureau, State Farm, and Progressive.
I queried each at $622, $634, and $667 per year of full coverage.
Which is approximately 23% to 26% lower than the “mean” quote for similar age drivers in Omaha.
| Omaha Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farm Bureau Mutual | $843 | $622 |
| State Farm | $1,011 | $634 |
| Progressive | $1,044 | $667 |
| Nationwide | $1,088 | $708 |
| Farmers Mutual OF Nebraska | $1,090 | $732 |
| Allstate | $1,132 | $743 |
| Farmers | $1,166 | $821 |
Omaha is the biggest city in Nebraska with 450,000 residents.
Corporations have made Omaha their headquarters which include Ameritrade, Berkshire Hathaway, ConAgra Foods, and Mutual of Omaha.
Lincoln, NE
Getting cheaper car insurance for residents of Lincoln is found with Farm Bureau Mutual, State Farm, and Progressive.
I queried each at $812, $868, and $932 per year for a 30 year old driver.
All three insurers are at least 19% lower than the average rate of $1,111 in Lincoln.
As illustrated, as 45 year old driver would be smart to get quotes from Farm Bureau Mutual ($611) to Liberty Mutual ($715).
State Farm and Progressive offer competitive quotes $612 and $634 respectfully per year.
Which is approximately 20% lower than the median quote for similar age drivers.
Nationwide should be a carrier to get quotes from.
Which I queried at $678 per year.
Or over 15% lower than the “mean” quote.
| Lincoln Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farm Bureau Mutual | $812 | $611 |
| State Farm | $868 | $612 |
| Progressive | $932 | $634 |
| Nationwide | $978 | $678 |
| Liberty Mutual | $1,032 | $715 |
| Allstate | $1,056 | $721 |
| Farmers | $1,088 | $789 |
Lincoln is the state capital and second largest city in Nebraska with 280,000 residents.
Its superb rate of growth has made it one of the fastest growing metro areas in the Midwest.
Waverly, NE
Getting affordable auto premiums in Waverly is pretty easy with insurers like Farm Bureau Mutual, Progressive, and Liberty Mutual.
I queried each at $847, $879, and $943 per year for a 30 year old driver.
Which is 18% to 22% lower than the median quote of approximately $1,100.
For a 45 year old the cheapest options are with Farm Bureau Mutual, Progressive, and Liberty Mutual.
I queried each at $689, $709, and $718 respectfully per year for full coverage.
Which is approximately 21% lower than the median rate for similar age drivers.
| Waverly Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farm Bureau Mutual | $847 | $689 |
| Progressive | $879 | $709 |
| Liberty Mutual | $943 | $718 |
| State Farm | $956 | $745 |
| Nationwide | $1,046 | $789 |
| Allstate | $1,056 | $804 |
| Farmers | $1,076 | $816 |
Waverly is town with approximately 4,000 residents and is considered a suburb of Lincoln, Nebraska.
It is one of the fastest growing “small” communities in the state while being a hub through Interstate 80 and Highway 6.
Norfolk, NE
The average auto insurance rate in Norfolk, NE is $1,065.
Both Farm Bureau Mutual and Progressive are 20% lower at $802 and $804 for a 30 year old driver.
Two other carriers to put on your list to get quotes are Nationwide and Liberty Mutual.
I queried both at $816 and $890 respectfully for full coverage.
In fact, all insurers I queried were below the “mean” rate.
A 45 year old driver can find affordable premiums with Farm Bureau Mutual, Progressive, and Nationwide.
I queried each at $509, $516, and $567 respectfully per year for full coverage.
All three carriers offer quotes from 17% to 20% lower than the average premium for similar age drivers.
| Norfolk Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farm Bureau Mutual | $802 | $509 |
| Progressive | $804 | $516 |
| Nationwide | $816 | $567 |
| Liberty Mutual | $890 | $588 |
| State Farm | $944 | $611 |
| Allstate | $989 | $613 |
| Farmers | $1,043 | $678 |
Norfolk has approximately 25,000 residents and is 61 miles southwest of Sioux City.
South Sioux City, NE
| South Sioux City Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Progressive | $854 | $678 |
| Farm Bureau Mutual | $878 | $689 |
| Nationwide | $899 | $703 |
| Liberty Mutual | $904 | $714 |
| State Farm | $943 | $756 |
| Allstate | $990 | $795 |
| Farmers | $1,021 | $805 |
If you need a lower auto premium in South Sioux City I found all of the insurers illustrated provided just that.
A 30 year old driver can find the cheapest quotes with Progressive, Nationwide, and Farm Bureau Mutual.
Each queried at $854, $878, and $899.
Or at least 15% lower than the average rate of $1,023.
A 45 year old driver can find quotes clustering at the $700 range with Progressive, Farm Bureau Mutual, Nationwide, and Liberty Mutual.
Scottsbluff, NE
To find inexpensive car insurance in Scottsbluff start with Farm Bureau Mutual at $832 for a 30 year old driver.
Progressive and Nationwide are a little higher at $858 and $870 respectfully.
All of the insurers illustrated in the graph are at least 20% lower than the average rate of $1,165 in Scottsbluff.
A 45 year old can find cheap quotes with Nationwide, Progressive, and Farm Bureau Mutual.
I queried each at $676, $679, and $689 per year for full coverage.
Which is approximately 19% lower than the “mean” quote for similar profile drivers.
| Scottsbluff Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farm Bureau Mutual | $832 | $676 |
| Progressive | $858 | $679 |
| Nationwide | $870 | $689 |
| American Family | $890 | $726 |
| Allstate | $906 | $769 |
| State Farm | $949 | $799 |
| Farmers | $1,011 | $812 |
Scottsbluff is a small city of approximately 15,000 residents.
It was named in honor of Hiram Scott a local fur trapper who died in the town in 1828.
Imperial, NE
Getting cheaper car insurance rates in Imperial is found with Farm Bureau Mutual, Progressive, and Nationwide.
I queried each at $879, $880, and $906 per year for a 30 year old driver.
Which is approximately 17% lower than the average premium for similar age drivers.
A 45 year old driver can find the least expensive auto insurance with Farm Bureau Mutual, Progressive, and Nationwide.
I queried each at $699, $704, and $743 respectfully per year for full coverage.
Which is approximately 19% lower than the average premium for drivers in Imperial.
A family of 4 would do well by getting quotes from all the insurers illustrated to find maximum savings while maintaining the same or more coverage.
| Imperial Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farm Bureau Mutual | $879 | $699 |
| Progressive | $880 | $704 |
| Nationwide | $906 | $743 |
| American Family | $967 | $756 |
| Allstate | $998 | $789 |
| State Farm | $1,054 | $809 |
| Farmers | $1,068 | $845 |
Imperial is a town of nearly 3,000 residents.
The residents claim Imperial is a town to “Grow Your Family, Grow Your Business, and Grow Your Future.”
Resources & DMV Information
| Department of Insurance | Department of Transportation | Department of Motor Vehicles |
|---|---|---|
| 941 O St #400, Lincoln, NE 68508 (402) 471-2201 | 1500 NE-2, Lincoln, NE 68502 (402) 471-4567 | 4208 50th Street, Omaha, NE 68117 (402) 595-2039 |
| Website | Website | Website |
Sources
Farm Bureau Financial Services
https://doi.nebraska.gov/consumer/consumer-assistance
https://dmv.nebraska.gov/dvr/ins-req
