Reviews Report
- Nebraska remains below the U.S. average for auto insurance costs, but premiums climbed with recent claim severity and inflation. In 2025, reputable trackers place typical Nebraska premiums at roughly $1,400–$1,800 per year for full coverage and about $300–$500 for minimum coverage; see current figures from Bankrate, NerdWallet, and The Zebra.
- Service leaders in Nebraska’s region (Central/Midwest) include Shelter Insurance and Auto-Owners in recent J.D. Power results. Solid choices to compare in 2025 also include State Farm, American Family, Progressive, GEICO, Nationwide, and USAA (if eligible), with A or better AM Best financial strength.
Even though drivers in Nebraska pay lower-than-average rates for car insurance, it still helps to shop around as prices vary widely by driver profile and ZIP code. We analyzed the top auto insurers writing in Nebraska and 2025 statewide averages from Bankrate and NerdWallet to help you make an informed choice. Based on regional satisfaction, financial strength, pricing datasets, and discounts/UBI programs, a strong Nebraska shortlist includes USAA (if eligible), Auto-Owners, State Farm, American Family, Progressive, Nationwide, GEICO, Shelter, and Allstate.
The 5 Best Auto Insurance Companies in Nebraska
- USAA: Best Nebraska Car Insurance for Military-Centric Options
- Auto-Owners: Best Nebraska Car Insurance for Local Agents
- Progressive: Best Nebraska Car Insurance for Add-On Coverage
- Nationwide: Best Nebraska Insurance for Bundling Home and Auto
- Allstate: Best Nebraska Car Insurance for Claims Satisfaction
Compare the Best Car Insurance Companies in Nebraska
| Full Coverage Annual Premium* | State Minimum Annual Premium* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin USAA | $1,400–$1,800† | $300–$500† | A++ | Not ranked (eligibility)** | |
| Pin Auto-Owners | $1,400–$1,800† | $300–$500† | A++ | Leader (2024)** | |
| Pin Progressive | $1,400–$1,800† | $300–$500† | A+ | Below leaders (2024)** | |
| Pin Nationwide | $1,400–$1,800† | $300–$500† | A+ | Segment average (2024)** | |
| Pin Allstate | $1,400–$1,800† | $300–$500† | A+ | Near average (2024)** |
Information current as of 2025. Nebraska averages reflect 2025 analyses from Bankrate and NerdWallet.
* 2025 statewide ranges shown for context; individual company quotes vary by profile and ZIP code. See Bankrate and NerdWallet for current Nebraska averages and methodology.
**J.D. Power 2024 Auto Insurance Satisfaction Study for the Central region. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions.
Best for Military-Centric Options
Why we chose it
Why we chose it
Pros
- Superior financial strength
- Excellent customer service
- Cheaper premiums than most competitors
Cons
- Only available to the military community
- Limited info without a quote
Additional Coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Roadside assistance
- Rental car reimbursement
- Car replacement assistance
- Accident forgiveness
Discounts Available
- Safe driver
- Defensive driver
- Driver training
- Good student
- Family discount
- Membership length
- Military installation
- And more
More USAA Insurance Reviews
Best for Local Agents
Why we chose it
Why we chose it
Pros
- Unique coverage options
- Excellent claims experience rating
- Over a dozen discounts
Cons
- No option for online quotes
Additional Coverage
- Uninsured/underinsured motorist
- Road trouble service
- Rental car reimbursement
- Diminished value
- Gap insurance
- Personal automobile plus package
Discounts Available
- Multi-policy
- Payment history
- Paperless
- Good driving
- Good student
- Student away at school
- Teen driving monitoring
- And more
More Provider Insurance Reviews
Best for Add-on Coverage
Why we chose it
Why we chose it
Pros
- Variety of add-on coverages
- Excellent financial strength
- Easy-to-use website and app
Cons
- Higher premiums than competitors
- Average customer service scores
Additional Coverage
- Uninsured/underinsured insurance
- Loan/lease payoff
- Rental car reimbursement
- Custom parts and equipment value
- Rideshare insurance
- Roadside assistance
- Pet injury
- Deductible savings bank
Discounts Available
- Multi-policy
- Multi-car
- Continuous insurance
- Safe driver
- Teen driver
- Paperless
- Automatic payment
- And more
More Progressive Insurance Reviews
Best for Policy Bundling
Why we chose it
Why we chose it
Pros
- Superior financial strength
- Vanishing deductible program available
- High scores for claims experience
Cons
- Discounts are lacking
- Below-average customer service
Additional Coverage
- Towing and labor
- Gap insurance
- Rental car
- Accident forgiveness
- Vanishing deductible
- Roadside assistance
- Total loss deductible waiver
Discounts Available
- Multi-policy
- SmartRide
- SmartMiles
- Accident-free
- Good student
- Safe driver
- Paperless
- And more
More Provider Insurance Reviews
Best for Claims Handling
Why we chose it
Why we chose it
Pros
- Claims satisfaction guarantee in 43 states
- 24/7 claims center
- Excellent financial strength
Cons
- Higher premiums than competitors
- Not available in all states
- Below-average customer satisfaction
Additional Coverage
- Medical payments
- Sound system
- Roadside assistance
- Personal injury protection
- Rental reimbursement
Discounts Available
- New car
- Multi-policy
- Smart student
- Anti-lock brakes
- Anti-theft
- Paperless
- Pay in full
- Safe driving
- And more
More Provider Insurance Reviews
* 2025 statewide ranges provided for context. For current company-specific averages and methodology, see Bankrate and NerdWallet.
**J.D. Power 2024 U.S. Auto Insurance Study for the Central region. Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions.
The Average Cost of Car Insurance in Nebraska
The rate you pay for auto insurance in Nebraska depends on your driving record, age, vehicle, credit tier, coverage selections, and location. Urban ZIP codes (e.g., parts of Omaha and Lincoln) tend to run higher due to traffic density and theft risk, while many rural counties are lower. Severe weather (hail and wind) and repair cost inflation also affect premiums statewide.
For 2025, reputable sources place Nebraska’s typical premiums around $1,400–$1,800 per year for full coverage and about $300–$500 for minimum coverage; see Bankrate, NerdWallet, and The Zebra for current figures and profiles. Nebraska’s “average expenditure” remains below the U.S. mean in the latest NAIC report, while the BLS CPI confirms substantial motor-vehicle-insurance inflation through 2024.
Top 3 Cheapest Car Insurance Companies in Nebraska
| Company | Average Annual Full Coverage Premium* |
| GEICO | ~$1,500–$1,700† |
| State Farm | ~$1,550–$1,750† |
| Progressive | ~$1,600–$1,800† |
* Illustrative 2025 ranges for a good-driver profile; cheapest varies by driver, vehicle, and ZIP code. See Bankrate and NerdWallet for current Nebraska company comparisons.
Top 3 Most Expensive Car Insurance Companies in Nebraska
| Company | Average Annual Full Coverage Premium* |
| Allstate | ~$1,900–$2,300† |
| Farmers | ~$1,800–$2,200† |
| Nationwide | ~$1,700–$2,000† |
* Illustrative 2025 ranges based on Nebraska market surveys; “most expensive” varies by profile and city. Compare multiple quotes and check Nebraska DOI complaint ratios alongside price.
Top 3 Cheapest Cities for Car Insurance in Nebraska
| City | Average Annual Full Coverage Premium* |
| Scottsbluff | $1,500–$1,600† |
| North Platte | $1,500–$1,600† |
| Kearney | $1,500–$1,600† |
* 2025 rural/non-metro examples often price 7–12% below the statewide full-coverage average; see city breakouts in Bankrate.
Top 3 Most Expensive Cities for Car Insurance in Nebraska
| City | Average Annual Full Coverage Premium* |
| Omaha | $2,050–$2,100† |
| Bellevue (Omaha metro) | $1,900–$2,000† |
| Lincoln | $1,850–$1,900† |
* 2025 urban lift: Omaha commonly runs ~15–25% above statewide averages; Lincoln ~5–12% above; ranges based on Bankrate analyses and corroborated by metro repair/insurance CPI trends from BLS Omaha CPI.
Nebraska Car Insurance: What You Need to Know
Recent changes and local risks matter for Nebraska pricing. A new statewide hands‑free law took effect in 2025, severe weather keeps claim costs elevated across “Hail Alley,” and urban vs. rural territories rate differently based on crash and theft patterns. Compare at least five quotes, consider telematics discounts, and match coverage to your risk profile.
- Hands‑free law: Effective January 1, 2025, handheld device use while driving is prohibited and subject to primary enforcement with escalating fines/points; see GHSA and the Nebraska Legislature’s LB 1017 overview.
- Crash data: The Nebraska DOT’s Nebraska Traffic Crash Facts 2023 provides the latest finalized counts, including distraction/inattention and cell‑phone involvement breakouts.
- Weather exposure: Nebraska sits in the nation’s hail corridor; NOAA’s SPC climatology shows frequent large-hail events across the state, and 2023 severe convective storms drove record insured losses in the U.S. (SPC; Munich Re). Expect continued underwriting focus on comprehensive losses (hail/wind) and roof/garaging factors.
Nebraska Minimum Insurance Requirements
To drive a vehicle in Nebraska, you must carry liability insurance to protect others if you cause an accident. Nebraska also mandates uninsured and underinsured motorist bodily injury coverage. See state guidance from the Department of Insurance: consumer auto insurance. Many drivers choose higher limits than the minimums for better financial protection.
Minimum liability required in the state of Nebraska is divided as follows:
- $25,000 bodily injury coverage per person.
- $50,000 bodily injury coverage per accident.
- $25,000 for property damage.
- $25,000 uninsured motorist bodily injury per person.
- $50,000 uninsured motorist bodily injury per accident (underinsured motorist at the same 25/50 minimums).
Nebraska’s No-Fault Law
Nebraska is not one of the 12 no-fault states for car insurance. The at-fault driver’s liability coverage pays for injuries and property damage they cause in a car accident. Both parties should exchange proof of insurance, and the not-at-fault party may file a claim against the at-fault driver. Nebraska also mandates UM/UIM bodily injury coverage to protect you if the other driver has no insurance or insufficient limits.
Additional Car Insurance Coverage in Nebraska
Though liability insurance is required, optional protections can better fit Nebraska risks and budgets. Consider comprehensive and collision (hail, deer, theft, crash repair), medical payments, and roadside assistance. To counter rising base rates, ask about usage-based insurance (UBI) and pay-per-mile programs—like Progressive Snapshot, Allstate Drivewise, and Nationwide SmartRide/SmartMiles—which can personalize price based on driving and mileage; see NAIC guidance on UBI.
- Comprehensive: Also called other-than-collision or non-collision, this coverage pays for broken glass, weather events, vandalism, theft of the car and if you hit an animal.
- Collision: This coverage pays to fix your car if you are involved in an accident and your vehicle is damaged or totaled.
- Medical Payments/PIP: Medical bills and lost wages are covered with medical payments or personal injury protection, regardless of fault in an auto accident.
- Roadside assistance: Covers for key lockout, car breakdowns, fuel delivery, and more, so you won’t have to be stranded on the road if something happens.
Nebraska Car Insurance FAQ
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers. We referenced the latest regional satisfaction from J.D. Power and financial strength from AM Best/public company disclosures.
For average pricing context, we used 2025 Nebraska analyses from Bankrate (Quadrant Information Services data) and cross-checked ranges with NerdWallet. We also used the NAIC Auto Insurance Database Report to corroborate Nebraska’s below-U.S.-average spending and the BLS CPI to contextualize inflation in motor-vehicle insurance.
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample ranges and should be used for comparative purposes only. Actual quotes vary by company, ZIP code, driving history and discounts (including telematics programs such as Snapshot, Drivewise, SmartRide and SmartMiles).
