Reviews Report
- The cheapest car insurance in Nebraska for full coverage is Nationwide, with an average annual premium of $1,047.
- The best car insurance companies in Nebraska have superior or better financial strength, customizable coverage, and strong J.D. Power customer satisfaction scores.
Even though drivers in Nebraska pay lower-than-average rates for car insurance, it still doesn’t hurt to shop around to find the best and cheapest coverage to meet your needs and budget. We analyzed the top auto insurers in Nebraska based on market share and compared average annual premiums for minimum and full coverage, financial strength, and overall customer satisfaction scores to help you make an informed choice. Based on our review, the best car insurance providers for NE drivers are USAA, Auto-Owners, Progressive, Nationwide, 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 | $1,138 | $259 | A++ | 897** | |
| Pin Auto-Owners | $1,357 | $255 | A++ | 845 | |
| Pin Progressive | $1,575 | $388 | A+ | 837 | |
| Pin Nationwide | $1,047 | $264 | A++ | 815 | |
| Pin Allstate | $2,268 | $420 | A+ | 825 |
Information accurate as of July 2021
*Data provided by Bankrate.com
**J.D. Power 2021 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
*Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction 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 Omaha and other areas of Nebraska will vary based on individual factors like driving record, age, vehicle type, credit score, and coverage options. The area of Nebraska you live in matters too, with rates determined by population density, crime rates, driving statistics, and car-damaging weather events.
However, Nebraska drivers live in an inexpensive state for auto insurance compared to the rest of the country. The national average cost of car insurance is $1,674 for full coverage per year, while Nebraska’s rates for the same coverage are just $1,531 annually, according to 2021 data from Bankrate.com.
Top 3 Cheapest Car Insurance Companies in Nebraska
| Company | Average Annual Full Coverage Premium* |
| Nationwide | $1,047 |
| USAA | $1,138 |
| Farmers Mutual of Nebraska | $1,172 |
* Data provided by Bankrate.com
Top 3 Most Expensive Car Insurance Companies in Nebraska
| Company | Average Annual Full Coverage Premium* |
| Allstate | $2,268 |
| Motorists | $2,214 |
| IMT | $1,865 |
* Data provided by Bankrate.com
Top 3 Cheapest Cities for Car Insurance in Nebraska
| City | Average Annual Full Coverage Premium* |
| Lincoln | $1,334 |
| Waverly | $1,408 |
| Grand Island | $1,412 |
* Data provided by Bankrate.com
Top 3 Most Expensive Cities for Car Insurance in Nebraska
| City | Average Annual Full Coverage Premium* |
| Palisade | $1,753 |
| Stratton | $1,750 |
| Trenton | $1,745 |
* Data provided by Bankrate.com
Nebraska Car Insurance: What You Need to Know
Accidents due to distracted driving are nothing new but have increased in frequency since cell phones became commonplace. With 2 million drivers in Nebraska, consider car insurance options to protect yourself and others on the roads.
- In the Cornhusker State, teen drivers make up 7.4% of all licensed drivers as of 2019.
- Out of 134 crashes related to cell phone distractions, teens were responsible for 41 while other drivers were responsible for the remaining 93.
- The same year, there were a total of 4,566 distracted driving crashes, with 1,495 resulting in injury and 3,060 property damage only accidents.
Nebraska Minimum Insurance Requirements
To drive a vehicle in Nebraska, you are required to carry a certain amount of liability insurance to protect others from injury or property damage if you cause an accident. These liability limits are the minimum amount of coverage, but it’s a good idea to purchase as much liability coverage as you can afford to protect your finances in an accident.
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.
Nebraska’s No-Fault Law
Nebraska is not one of the 12 no-fault states for car insurance, which means a driver at fault must pay for damages and injuries they cause in a car accident. Both parties should provide proof of insurance and the not-at-fault party is eligible to file a claim against the at-fault driver. To further protect yourself in an accident, consider uninsured motorist coverage, which pays if you’re involved in a crash with a driver without insurance or not enough insurance to cover your injuries and property damage.
Additional Car Insurance Coverage in Nebraska
Though liability insurance is required, some optional auto insurance coverages offered in Nebraska can provide more protection:
- 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.
As for average pricing, we used Bankrate.com’s data of car insurance in Nebraska, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $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 rates and should only be used for comparative purposes.
About the Authors
Mandy Sleight is an insurance writer for Reviews.com. Over the last three years, she has covered insurance providers, coverage, costs of insurance, and more at MoneyGeek, Bankrate, and The Simple Dollar.
