Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Compare Car Insurance Quotes in Nebraska
Jerry is a free app trusted by 5,245 Nebraska drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Nebraska car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $380 a month for full coverage. But in Nebraska, Jerry drivers pay less:
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$57 to $126 per month for state-mandated minimum coverage.
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$133 to $311 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often get even lower rates. Over the last 12 months, Jerry has helped Nebraskans save an average of $939 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
We make that process simple. Use the Jerry app to compare coverage and finalize your Nebraska policy in under 10 minutes. It is free to compare and we never sell your personal info so you don’t have to worry about spam calls. Do it all digitally, or connect with a licensed agent whenever you need expert guidance.
Keep in mind that your insurance cost will depend on things like your car model, how much you drive, and your claims history. Here are some full coverage rates that Jerry drivers in Nebraska have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Nebraska sits in the heart of Tornado Alley, and homeowners face frequent severe thunderstorms, large hail, and spring flooding. With home insurance rates above the national average, bundling home and auto insurance is one of the easiest ways to save.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Nebraska drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Nebraska, shopping around helps you find the right fit.
That matters in Nebraska, where Omaha and Lincoln drivers face different conditions than those covering long rural stretches across the rest of the state. Hailstorms and severe weather can spike comprehensive claims, and rates vary more than you might expect from one part of the state to another. Jerry works with Nebraska drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 12 trusted insurers in the Cornhusker State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Nebraska drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Nebraska
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Nebraska car insurance coverage requirements
Nebraska drivers have to buy liability insurance coverage before they can legally drive their car. Minimum coverage requirements in this state include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
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$25,000 in uninsured motorist coverage per person.
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$50,000 in uninsured motorist coverage per accident.
Of course, this is just the absolute minimum required if you want to get behind the wheel. If you want to better protect yourself, your car and your assets, consider increasing your coverage limits or buying comprehensive and collision coverage, which many Jerry drivers do. Also keep in mind that nearly 10% of Nebraska drivers are uninsured; bumping up your uninsured/underinsured motorist (UIM) protection can give you even greater peace of mind.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Factors affecting Nebraska car insurance rates in 2026
Hailstorms and severe weather
Nebraska is one of the most hail-prone states in the country, and a single storm can crack windshields and rack up body damage across an entire parking lot. We recommend keeping comprehensive coverage because that’s what pays for hail and wind-related damage.
Deer collisions
Deer strikes surge in fall and can cause serious front-end damage, especially on rural highways at night or in low light. Comprehensive coverage typically pays for animal impacts, so it’s worth keeping if you spend time driving outside city centers.
Omaha and Lincoln traffic
More drivers on the road in the larger metros means more accidents, plus higher theft and vandalism exposure in some areas. Collision coverage protects your car after a crash, and a telematics program like Jerry DriveShield can turn your safe driving habits into a lower rate.
Uninsured drivers
Roughly one in 10 Nebraska drivers is uninsured, according to the IRC. Jerry recommends increasing both your UM/UIM and liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
High-speed rural roads
Outside city centers, higher speeds and longer commutes mean crashes tend to be more severe and more expensive. Make sure your liability limits can handle a high-impact accident, not just the state minimum, because high-speed collisions often involve significant injury costs.
Prairie wind sand visibility
Strong winds across open Nebraska roads can affect vehicle handling and kick up blowing dust or snow that cuts visibility fast. Slow down in gusty conditions, keep your tires in good shape and consider keeping collision coverage active so you’re protected when the weather turns on you.
Average cost of car insurance in major Nebraska cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $250 | |
| $184 | |
| $208 | |
| $179 | |
| $148 | |
| $191 | |
| $159 | |
| $209 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Nebraska quotes in as little as 2 minutes.
Learn more about driving in Nebraska
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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What are the minimum car insurance requirements in Nebraska?
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What are the penalties for driving without insurance in Nebraska?
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Is Nebraska a no-fault or at-fault state?
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What is the average cost of car insurance in Nebraska?
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Do I need uninsured motorist coverage in Nebraska?
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What types of car insurance are required in Nebraska?
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How do I register and insure a new car in Nebraska?
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Does Nebraska require personal injury protection (PIP)?
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What are the best car insurance companies in Nebraska?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.