Phone: 1-(855) 233-7818

Are you currently insured? Yes         No

Start Quote

Nebraska Inexpensive Car Insurance, Minimum Requirements, & Helpful Strategies to Lower your Premium

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.

Best insurer options for 25 year old in Nebraska.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

For drivers in the Nebraska the minimum liability car insurance is as follows: 

CoverageNebraska Minimum Liability CoverageRecommended 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 PaymentsOptional$5,000
Comprehensive CoverageOptional$250 - $1,000 deductible
Collision CoverageOptional$250 - $1,000 deductible

Source – Esurance

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

Cheapest rates for 30 year old in Nebraska. 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.

Insurers with cheapest rates for 35 year old in Nebraska from Farm Bureau Financial Services, State Farm, Progressive, and Nationwide. 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. 

Inexpensive auto insurance for 40 year old in Nebraska from Progressive, State Farm, and Farm Bureau Financial Services. 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 CompanyAverage Rate 25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 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

Best rate options for 45 year old in Nebraska from Nationwide, Allstate, Progressive, and State Farm. 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 CompanyWritten PremiumsRate Change < 18 Months# of ComplaintsConsumer Rating out of 5 Stars
State Farm$47,659,344 +3.4%464.4
Farm Bureau Mutual$121,528,000+3.1%444.1
GEICO$43,701,791+3.4%494.3
USAA$21,117,743+3.1%104.4
Progressive$81,275,206+3.3%214.5
Farmers $231,702,542+3.9%263.9
Farmers Mutual OF Nebraska$66,920,209+4.1%36 4.1
MetLife $24,293,753+2.9%93.9
Nationwide$40,911,924 +2.6%144.4
Liberty Mutual$56,145,789+2.9%94.4
Allstate$98,012,635 +4.3%294.3
American National$823,992 +2.9%214.2
General Casualty$1,504,011 +3.1%84.0
American Family$78,715,033+2.9%374.4
Esurance$6,331,911+3.6%44.3
Safeco$17,448,310+3.5%63.8
Auto Club Group$21,010,361 +3.1%83.9
State Auto$8,292,539 +2.6%23.9
North Star$7,125,841+4.1%123.8
Auto-Owners$7,380,259+4.1%43.8

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.

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Beatrice$90712,459Kearney$98730,787Ogallala$1,0554,543
Bellevue$99050,137La Vista$1,23115,758Ralston$1,0095,943
Cairo$1,008785Lexington$1,18710,230Scribner$1,099843
Columbus$1,05022,851Lyons$1,111814Shelton$1,1651,067
Elkhorn$1,0617,075Nebraska City$1,1657,289Springfield$1,1001,604
Gothenburg$1,0873,475Newcastle$1,065326St Paul$1,0232,290
Grand Island$1,02148,520

North Platte$1,08824,733Tecumseh$9901,631
Hastings$1,09924,907Oakland$1,2561,192York$9937,766

Omaha, NE

Omaha lowest insurance firms for drivers from Farm Bureau, State Farm, Progressive, and Nationwide.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 Company30 Y/O Driver45 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. 

The city has a wonderful nightlife centered around the Historic Old Market district.

Lincoln, NE

Best car insurance options in Lincoln, Nebraska for 30 to 45 y/o drivers from Liberty Mutual, Farm Bureau, Progressive, and Nationwide. 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 Company30 Y/O Driver45 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.

Families flock to the city of Lincoln which is known for its friendliness, safe neighborhoods, cultural diversity, and low cost of living.

Waverly, NE

Waverly auto premium rate comparison from Progressive, Farm Bureau, Liberty Mutual, and State Farm. 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 Company30 Y/O Driver45 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.

One of the largest employers nearby is Goodyear.

Norfolk, NE

Cheapest insurance companies in Norfolk, NE from Farm Bureau, Progressive, Nationwide, and Liberty Mutual. 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 Company30 Y/O Driver45 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.

Outdoor enthusiasts enjoy the wonderful summer months and golfers are attracted to the Eldorado Hills Golf Course and Norfolk Country Club.

South Sioux City, NE

South Sioux City Company30 Y/O Driver45 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

Affordable auto premiums in Scottsbluff, NE for 30 to 45 year old drivers. 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 Company30 Y/O Driver45 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.

A popular festival each year is the Sugar Valley Rally.

Imperial, NE

Imperial, NE comparison of Farm Bureau, Progressive, Nationwide, etc.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 Company30 Y/O Driver45 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.”

With a small town way of life and family friendly atmosphere, Imperial is top notch for new residents or to in-source your new business.

Resources & DMV Information
Department of InsuranceDepartment of TransportationDepartment 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
WebsiteWebsiteWebsite
Sources

Farm Bureau Financial Services

Farmers Mutual of Nebraska

https://doi.nebraska.gov/consumer/consumer-assistance

https://dmv.nebraska.gov/dvr/ins-req

Greg Fowler
Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

Comments are closed.