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Best Nebraska Car Insurance Company

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    Reviews Report

    • USAA is Review.com’s top-rated auto insurance provider in Nebraska, earning a 4.8 out of 5 in our methodology.
    • The cheapest car insurance in Nebraska for minimum coverage is $327.13 from Auto-Owners.
    • 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 Members
    • Auto-Owners: Cheapest Nebraska Car Insurance
    • 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* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. 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$1,421.88$473.574.8A++897
    Pin Auto-Owners$1,573.05$327.134.2A++845
    Pin Progressive$2,041.65$620.204.4A+837
    Pin Nationwide$1,445.84$525.804.2A++815
    Pin Allstate$1,701.18$593.744A+825

    Information accurate as of July 2021

    *Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study for the Central region. Based on a 1,000-point scale.

    USAA

    Best for Military Members

    Why we chose it

    Active military members, veterans, and their families can enjoy affordable rates from a top-rated auto insurance company USAA dedicated to offering coverages and discounts to meet their needs.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $473.57* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 897* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Active military members, veterans, and their families can enjoy affordable rates from a top-rated auto insurance company USAA dedicated to offering coverages and discounts to meet their needs.

    Pros

    • Superior financial strength
    • Excellent customer service
    • Cheaper premiums than most competitors

    Cons

    • Only available to the military community
    • Limited info without a quote
    Read More

    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

    Auto-Owners Insurance

    Cheapest Car Insurance

    Why we chose it

    Backed by over 100 years in the auto insurance industry, Auto-Owners offers the cheapest car insurance coverage options for Nebraska drivers.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $327.13* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 845** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Backed by over 100 years in the auto insurance industry, Auto-Owners offers the cheapest car insurance coverage options for Nebraska drivers.

    Pros

    • Unique coverage options
    • Excellent claims experience rating
    • Over a dozen discounts

    Cons

    • No option for online quotes
    • Only sold through independent agents
    Read More

    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

    Progressive

    Best for Add-on Coverage

    Why we chose it

    Tailor your car insurance policy to meet your needs, whether you’re a rideshare driver or regularly travel with your pet.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $620.20* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 837** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Tailor your car insurance policy to meet your needs, whether you’re a rideshare driver or regularly travel with your pet.

    Pros

    • Variety of add-on coverages
    • Excellent financial strength
    • Easy-to-use website and app

    Cons

    • Higher premiums than competitors
    • Average customer service scores
    Read More

    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

    Nationwide

    Best for Policy Bundling

    Why we chose it

    Nationwide offers customizable personal and business policies with bundling discounts available to insure every aspect of life with one company.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $525.80* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 798** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Nationwide offers customizable personal and business policies with bundling discounts available to insure every aspect of life with one company.

    Pros

    • Superior financial strength
    • Vanishing deductible program available
    • High scores for claims experience

    Cons

    • Higher premiums than competitors
    • Discounts are lacking
    • Below-average customer service
    Read More

    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

    Allstate

    Best for Claims Handling

    Why we chose it

    As one of the nation’s top insurers, Allstate also has some of the best scores for claims handling which means the company is there when you need it most
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $593.74* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 825** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    As one of the nation’s top insurers, Allstate also has some of the best scores for claims handling which means the company is there when you need it most

    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
    Read More

    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

    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 $1,555 for full coverage per year, while Nebraska’s rates for the same coverage are just $1,329 annually. 

    Top 3 Cheapest Car Insurance Companies in Nebraska

    CompanyAverage Annual Premium
    Farmers Mutual Insurance$323.38
    Auto-Owners$327.13
    North Star$369.56

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Nebraska

    CompanyAverage Annual Premium
    Progressive$620.20
    Farmers$601.23
    Allstate$593.74

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Nebraska 

    CityAverage Annual Premium*
    Alliance$452.57
    McCook$454.24
    Learney480.59

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Nebraska 

    CityAverage Annual Premium*
    Omaha$758.71
    Bellevue$697.55
    Papillion$678.04

    * Data provided by Coverage.com, price based on the state minimum required policy.

    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 scores products, services, and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Nebraska, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Nebraska, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person
    • $300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    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.

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