Auto Insurance in Nebraska

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Nebraska has seen slow but steady growth in recent years, as more people discover the opportunities that the Cornhusker state has to offer. This boost in population has led to more drivers on the roads, especially in bustling metropolitan areas. When making your morning commute, you want to have proper car insurance coverage. With average auto insurance premiums only $200 more than the national average, you can shop around for a good deal, whether you’re in Lincoln or Omaha.

Nebraska

Population: 1,881,503
Nebraska
$1,111
US Average
$1,669

Nebraska’s population of 1.8 million isn’t just focused in its vibrant cities. The wide, expansive countryside of this landlocked Midwestern state is full of picturesque country roads — and drivers eager to get to their destination. With good auto insurance coverage, you’re protected if one of these hurried drivers runs into you or if your car is damaged by the area’s frequent tornadoes.

Nebraska Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$25k
per accident

While the minimum amount of liability insurance you’re legally required to carry in Nebraska is only $25,000 for bodily injury and $50,000 per accident, it may not be enough to protect you. Most insurance companies would recommend you carry a minimum of $50,000 bodily injury and $100,000 accident insurance, also called 50/100 coverage. You need at least that much to ensure you’re covered if the unthinkable happened so you won’t be personally liable to pay out-of-pocket.

In fact, the best amount of coverage to seek out is 100/300. While that may sound like a high amount now, medical bills and property damage can add up quickly. In 2013, the average property damage auto liability rate was $3,231. Bodily injury claims were even higher, at $15,443. These are only averages, and any one collision can cost you thousands of dollars if you’re not carrying enough car insurance.

Just because you need a good amount of coverage doesn’t mean you have to spend a lot on your auto insurance premium. Seek out a variety of car insurance quotes from multiple companies to find the best rate for your insurance coverage needs. Each company considers the various factors of your driving history in a different light, so you can snag a great rate if you take the time to consider all of the options.

Cheapest Car Insurance in Nebraska

Yearly Rate

  • $1,338
    Progressive
  • $1,136
    Farm Bureau Mutual
  • $1,066
    State Farm
  • $1,136
    American Family
  • $876
    Farmers Mutual of Nebraska

If finding a low-cost auto insurance company is your top priority, then you can choose from these Nebraska insurance providers. You can find an affordable rate by taking the time to get a quote from each company and comparing their available discounts.

However, the trade-off of choosing the cheapest insurance company can be high in the long run. If you only make your decision based on price, you may discover that customer service isn’t up to quality standards. Processing claims can be a lengthy and cumbersome process, with little idea of when you’ll be reimbursed. While national companies can offer a better rate, you lose out on that personal connection of an auto insurance agent who knows your situation well.

Where is car insurance most affordable?

Insurance rates in the larger cities tend to run higher than what you can find in smaller towns.

Omaha is usually the highest, followed by Lincoln. Expect a more affordable car insurance premium in cities like Bellevue and Grand Island.

All of the larger cities are located in the eastern half of Nebraska, and the rates are higher accordingly. Living in a smaller town in the less populated areas of Nebraska could get you a better insurance rate, as there are fewer drivers on the road.

Lincoln Auto Insurance

Population: 268,738
Lincoln
$1,030
Nebraska
$1,111

The capital of Nebraska, Lincoln is the second-largest city in the state, with 272,996 residents. Lincoln is home to many service and manufacturing companies and is known for its high level of technological development. Despite having a low unemployment rate and being home to the University of Nebraska, its car insurance rate is only slightly higher than the national average.

Omaha Auto Insurance

Population: 434,353
Omaha
$1,155
Nebraska
$1,111

Sitting both on the Missouri River and the border of Iowa, Omaha is the largest city in Nebraska. Likewise, its insurance rates are higher than the state average, as you navigate among its 446,599 inhabitants. Known as the Gateway to the West, Omaha is home to five Fortune 500 companies and has a strong economy built on the inventions and innovations of its citizens.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.