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Last updated on Apr 09, 2020

Best Nebraska Car Insurance Company

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What Does Auto Insurance Cost in Nebraska?

Average annual rate in Nebraska: $831

$831
$0 $2,500
U.S. Average
$1,173

Good news, Nebraskans. You have a wide variety of auto insurance options so you can choose what’s important to you, whether that’s price, original equipment manufacturer parts to repair your car, service when you have a claim, or another factor. 

We picked out four of our favorites — State Farm, American Family Insurance, Auto-Owners Insurance, and Allstate —  based on their performance in key categories. 

Read on to learn why we picked the following top four providers, pricing offered, and other factors you should know before you select a policy. 

The 4 Best Car Insurance Companies in Nebraska

Quadrant car insurance rate data as of 07/01/2019.

State Farm

Best Companies For
Nebraska Auto Insurance
State Farm
State Farm


Pros

Affordable
Multiple Nebraska discount options
Agents throughout the state

Cons

Average customer service scores
Uses non-original equipment manufacturer (OEM) parts for repairs

In Nebraska, State Farm shines. While their rates generally aren’t extremely competitive across the country, they’re one of the most affordable auto insurance carriers in the Cornhusker State. 

To ensure you’re getting the best rate, they offer a variety of discounts, including perks for accident-free driving, like the Drive Safe & Save™ discount and the Steer Clear® safe driver discount. 

Don’t expect above-average customer service from State Farm, though. They score 3/5 in every category of J.D. Power’s 2019 Auto Claims Satisfaction Study and Insurance Shopping Study. However, for the affordability of their car insurance policies, you might be willing to cut State Farm some slack.  

American Family Insurance

Best Companies For
Nebraska Auto Insurance
American Family Insurance
American Family Insurance


Pros

Easy shopping experience
Wide range of coverage options
Plenty of discounts

Cons

Average customer satisfaction scores
OEM coverage comes with an additional cost

American Family gives you plenty of options so customizing your policy is easy. Fortunately, the process of getting your personalized policy set up should be straightforward. 

In fact, American scores 4/5 in every category J.D. Power measured in their 2019 Insurance Shopping Study. That includes high marks for policy offering, price, and local agents. 

Once you choose a policy with American Family, customer service quality seems to decline; AmFam scored 3/5 in all of J.D. Power’s 2019 Auto Claims Satisfaction Study categories. 

But with so much customizability and coverage options that can be hard to find with other providers — such as gap insurance — American Family might be the right choice for you. 

Auto-Owners Insurance

Best Companies For
Nebraska Auto Insurance
Auto-Owners Insurance
Auto-Owners Insurance


Pros

  • Impressive customer service
  • Easy shopping experience
  • Working with an independent insurance agent
  • Lots of coverage options and discounts

Cons

  • You have to work with an independent insurance agent
  • On the more expensive side

Auto-Owners Insurance has a unique business model, offering their policies exclusively through independent insurance agents. This means the agent isn’t beholden to Auto-Owners Insurance. When you provide information to obtain a quote from Auto-Owners, the agents can also provide quotes from other insurance carriers, maximizing your options.

However, Auto-Owners might not be ideal for you if you’re looking for a digital-first approach to your insurance. If you have a claim, questions about your policy, or other inquiries, you’ll have to give your agent a call directly. Auto-Owners is most suited to those who seek to build a personal relationship with a local insurance professional.

Allstate

Best Companies For
Nebraska Auto Insurance
Allstate
Allstate


Pros

Good marks for overall customer satisfaction
Ample discounts and other perks

Cons

Average claims service and shopping experience
The most expensive of our picks
Fairly limited coverage options in Nebraska

The Allstate agents in Nebraska are doing something right. While the insurance carrier gets average or below-average marks in a lot of other regions in the country, they scored 4/5 on J.D. Power’s Overall Customer Satisfaction Index Ranking in the Central Region, amassing an impressive 844 out of 1,000 total points. 

While Allstate shines in customer satisfaction, their actual coverage options in Nebraska are a little lackluster. 

The Cheapest Car Insurance Companies In Nebraska

Largest Companies by Market Share in Nebraska
Average Annual Premium
USAA
$590
State Farm
$591
Wadena Insurance
$687
American Family Insurance
$728
Nationwide
$738
Farmers Mutual of Nebraska
$756
Farm Bureau Insurance
$767
North Star Mutual
$806
Owners Ins
$812
Progressive
$839
Farmers Insurance
$871
Employers Mutual Casualty
$919
Allstate
$923
Metropolitan Insurance
$1,134

Car Insurance by Credit Rating

Credit Rating Tier
Average Annual Premium
Poor
$1,289
Below Fair
$1,059
Fair
$887
Average
$814
Good
$761
Excellent
$636
Average Across Credit Rating Tiers
$908

Quadrant car insurance rate data as of 07/01/2019.

These rates are a sample set meant only for general comparison. Your own premium will vary. Learn how we tested rates for the cheapest car insurance companies below.

Top 3 Cheapest Car Insurance Companies in Nebraska

  • USAA – $590
  • State Farm – $591
  • Wadena Insurance – $687

Top 3 Most Expensive Car Insurance Companies in Nebraska

  • Employers Mutual Casualty – $919
  • Allstate – $923
  • Metropolitan Insurance – $1,134

While USAA edges out State Farm by a whole dollar, State Farm tops the options available to non-military families. If you’re looking for affordable coverage and you’re not USAA-eligible, State Farm is by far the most affordable option. 

That said, the actual quotes you get will vary from the figures we’ve listed here as these are just averages. Your auto insurance premiums depend on a variety of factors, including your driving record, the type of car you drive, where you live, how much you drive, the deductible you choose, and more. Collect quotes from at least a few providers to make sure you’re getting the best deal based on your unique profile. 

Guide to Nebraska Car Insurance 

Now that you’re ready to shop policies, there are a few things you should know.

Nebraska financial responsibility requirements

In Nebraska, you are required to prove that you can take financial responsibility for any damages you cause behind the wheel. There are a few ways to do that (like purchasing a bond or getting a certificate of deposit), but the easiest and most affordable is buying auto insurance. 

If you go the insurance route, you’ll need to have:

  • $25,000 of liability coverage for bodily injury to or the death of any one person in an accident/damage you cause 
  • $50,000 of liability coverage for your total bodily injury or death liability in an accident/damage you cause
  • $25,000 of liability coverage for property damage resulting from an accident/damage you cause

When you’re shopping policies, you might see this written 25/50/25. Talk to your agent or review your policy yourself to make sure you’re hitting the required state liability minimums. 

Additional coverage

Liability coverage plays a big role if you harm another person or cause property damage, but it doesn’t do much for you personally. Additional protection is essential for your own personal coverage. Consider collision coverage as well– which helps with the cost of repairs to your car after an accident — and comprehensive coverage, which provides theft protection.

If you’re not sure what your policy should include, you can use our car insurance buying guide 

How We Found the Best Nebraska Car Insurance Companies

To find the best auto insurance companies in Nebraska, we looked at the largest insurance providers and those who have local renown. We analyzed their pricing, coverage options, discounts, agent model, customer reviews, and financial strength ratings to pick out the leaders in the pack. 

We also worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data insurers are required to file with state Departments of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes.

Nebraska Car Insurance Companies FAQ

Is it against the law to drive without insurance in Nebraska?

Technically, no. The state gives you five options to prove financial responsibility. But if you don’t want to go through the hassle and upfront expense of depositing $75,000 in cash with the State Treasurer’s office for a Certificate of Deposit or buying a $75,000 bond, buying an auto insurance policy is the way to go. 

When you pick your policy, make sure you hit the liability minimum requirements: $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability.