Key Takeaways
- Assurance America, National General and Progressive offer some of the cheapest car insurance in Nebraska.
- The average cost of minimum coverage in Nebraska is around $150 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Nebraska.
You may get cheap car insurance in Nebraska from insurers like Assurance America, National General and Progressive. These companies are among the cheapest in the state, according to real quotes for Jerry customers.
Here are more affordable options for both minimum and full coverage, plus by age, driving history and credit score.
To find the best car insurance in Nebraska, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Nebraska
Choosing minimum liability insurance in Nebraska allows drivers to meet the state’s legal auto insurance requirements without added coverage. This type of plan covers costs you may be responsible for in an accident involving injury or property damage to others. Since it doesn’t include your own car’s repairs, it’s best for those who can handle repair or replacement costs out of their own pocket. Nebraska motorists should shop around to find the most affordable policy that still meets the law.
These are the cheapest car insurance companies in Nebraska for minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $73 | $873 |
| National General | $103 | $1,238 |
| Progressive | $113 | $1,355 |
| Assurance America | $129 | $1,552 |
| Dairyland | $153 | $1,833 |
| Clearcover | $159 | $1,907 |
| ROOT | $161 | $1,931 |
| The General | $164 | $1,973 |
| Bristol West | $169 | $2,034 |
Minimum car insurance requirements in Nebraska
Drivers in Nebraska must have the following car insurance coverages:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $25,000 in uninsured motorist coverage per person.
- $50,000 in uninsured motorist coverage per accident.
Cheap full coverage car insurance in Nebraska
Looking for cheap full coverage auto insurance in Nebraska means selecting a plan that doesn’t cut corners on protection. Full coverage often includes liability, collision and comprehensive. This shields you from crashes, theft and more, ensuring damage to your car and others is financially handled. It’s a smart choice for vehicles that would be expensive to repair or replace.
These are the cheapest car insurance companies in Nebraska for full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $182 | $2,189 |
| Progressive | $186 | $2,231 |
| National General | $191 | $2,291 |
| Assurance America | $230 | $2,754 |
| ROOT | $260 | $3,122 |
| Trexis | $278 | $3,331 |
| Bristol West | $310 | $3,724 |
| Clearcover | $322 | $3,859 |
| Dairyland | $329 | $3,943 |
| The General | $349 | $4,184 |
Average car insurance costs for young drivers in Nebraska
In Nebraska, insurance premiums for young drivers are typically higher because insurers consider inexperience a major risk factor. Even the safest young drivers are affected by age-based pricing models. Enrolling in safe driving programs can help lower rates for Nebraska teens and newer drivers.
Below are the average costs of car insurance in Nebraska for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $334 | $4,006 |
| 21-24 | $259 | $3,102 |
Cheap liability car insurance in Nebraska for a 20-year-old
In Nevada, a 20-year-old may choose liability-only insurance to manage their insurance bills more effectively. Full coverage might be excessive for someone driving a low-value or high-mileage vehicle. This option keeps them legally protected while freeing up funds for other priorities.
Below are the cheapest auto insurers in Nebraska for 20-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| ROOT | $179 | $2,147 |
| Progressive | $216 | $2,590 |
| Bristol West | $236 | $2,832 |
| Dairyland | $241 | $2,892 |
| National General | $251 | $3,015 |
Cheap full coverage in Nebraska for a 20-year-old
In Nevada, a 20-year-old may opt for full coverage to guard against the risks of driving, busy roads and weather incidents. From heat damage to hit-and-runs in parking lots, unexpected costs can add up fast. This policy type offers broad protection that suits the state’s challenges.
Here are the most affordable insurers in Nebraska for 20-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $206 | $2,471 |
| National General | $255 | $3,063 |
| Bristol West | $352 | $4,224 |
| ROOT | $373 | $4,480 |
| The General | $427 | $5,125 |
Average auto insurance costs for mature drivers in Nebraska (25-54)
In Nebraska, long-time drivers are typically rewarded with lower auto insurance premiums because they’ve shown an ability to drive safely. Insurance providers value consistency, and that comes with years of experience. With fewer claims filed, these drivers often receive more favorable policy terms.
Below are the average costs of car insurance for drivers in Nebraska between the ages of 25 and 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $191 | $2,295 |
| 35-44 | $182 | $2,182 |
| 45-54 | $170 | $2,041 |
Cheapest liability car insurance in Nebraska for a 35-year-old
A 35-year-old in Nebraska may go with liability-only insurance to keep expenses low on a car that has served them well and has low value. Experience behind the wheel often leads to more confident, risk-aware choices and choosing basic coverage helps streamline their monthly budget. It’s an effective way to maintain responsibility without unnecessary spending.
These are the cheapest car insurance companies in Nebraska for 35-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $80 | $963 |
| Assurance America | $89 | $1,070 |
| Progressive | $93 | $1,121 |
| National General | $95 | $1,143 |
| ROOT | $111 | $1,330 |
Cheapest full coverage in Nebraska for a 35-year-old
In Nebraska, a 35-year-old may choose full coverage to protect against hail, icy roads and frequent highway travel. This kind of policy supports both peace of mind and practical needs whether commuting across the state or in the city.
Below are the cheapest auto insurers in Nebraska for 35-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $146 | $1,753 |
| Assurance America | $166 | $1,994 |
| National General | $171 | $2,047 |
| Progressive | $179 | $2,151 |
| ROOT | $211 | $2,536 |
Average car insurance costs for older drivers in Nebraska (55+)
Drivers aged 55 and up in Nebraska might see their insurance premiums go up due to gradual declines in physical reaction time. Driving requires sustained focus, which insurers know may diminish with age. Even when accidents are rare, risk models tend to evolve over time and as a result, rates are recalibrated to reflect the current safety outlook.
Below are the average costs of car insurance for drivers in Nebraska 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $153 | $1,838 |
| 65+ | $199 | $2,391 |
Cheapest liability car insurance in Nebraska for a 65-year-old
In Nebraska, older drivers often reevaluate their insurance needs as their routines slow down. For cars with low value that are used mainly for nearby travel, liability coverage is often enough. It takes care of the essentials without overextending budgets and many find it aligns well with a simplified retirement routine.
These are the cheapest car insurance companies in Nebraska for 65-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $64 | $770 |
| Progressive | $68 | $819 |
| The General | $119 | $1,430 |
| Bristol West | $177 | $2,119 |
Cheapest full coverage in Nebraska for a 65-year-old
In Nebraska, older drivers often opt for full coverage to guard against accidents and weather damage common to the area. Protecting retirement savings from costly repairs can be a key priority and full coverage balances safety with financial responsibility.
These are the cheapest car insurance companies in Nebraska for 65-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| The General | $120 | $1,442 |
| Progressive | $123 | $1,475 |
| Safeco | $162 | $1,946 |
| Dairyland | $247 | $2,966 |
Cheapest car insurance in Nebraska by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Nebraska
Maintaining a clean record in Nebraska makes it easier to access a wider range of insurance products. It shows insurers that you’re responsible and consistent behind the wheel. A clear history often leads to more favorable pricing and it also speeds up the underwriting process.
Below are the cheapest auto insurers in Nebraska for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $133 | $1,597 |
| Progressive | $133 | $1,601 |
| National General | $137 | $1,639 |
| Assurance America | $157 | $1,881 |
| ROOT | $202 | $2,428 |
Cheapest car insurance with a speeding ticket in Nebraska
Speeding in Nebraska may raise concerns about your driving habits with your insurer. These violations suggest potential for riskier behavior and insurers may take them into account when reviewing your renewal or application. Even minor tickets contribute to your overall driver profile.
Below are the cheapest auto insurers in Nebraska for people with speeding violations.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $116 | $1,387 |
| Progressive | $136 | $1,635 |
| National General | $144 | $1,732 |
| Clearcover | $192 | $2,300 |
| Assurance America | $194 | $2,324 |
Cheapest car insurance after an at-fault accident with no injury in Nebraska
Being at fault in a non-injury accident in Nebraska still reflects on your driving record. These situations can result in repair claims and administrative costs and insurers may take these incidents into account during policy updates.
Here are the most affordable insurers in Nebraska for those with an at-fault accident with no injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $168 | $2,012 |
| Safeco | $175 | $2,099 |
| Progressive | $181 | $2,173 |
| Assurance America | $195 | $2,337 |
| Dairyland | $251 | $3,010 |
Cheapest auto insurance after an at-fault accident with injury in Nebraska
In Nebraska, an at-fault accident with injuries is a serious concern for insurers. It increases liability exposure and may lead to stricter coverage terms and these events affect your profile for future evaluations.
Below are the cheapest auto insurers in Nebraska for people with an at-fault accident with injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $163 | $1,956 |
| National General | $207 | $2,486 |
| Dairyland | $306 | $3,672 |
| The General | $363 | $4,355 |
| Clearcover | $385 | $4,620 |
Cheapest car insurance with a DUI in Nebraska
A DUI conviction has a significant impact on your insurance options and it marks you as a high-risk driver and limits available plans. Insurers usually respond by raising premiums or imposing extra requirements and the effects can last for several years.
Below are the cheapest auto insurers in Nebraska for people with a DUI on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $98 | $1,170 |
| Progressive | $128 | $1,540 |
| Dairyland | $130 | $1,559 |
| The General | $149 | $1,788 |
| Safeco | $189 | $2,266 |
Average auto insurance costs for Nebraska drivers with other violations
Violations like reckless driving or failing to yield in Nebraska can alter your insurance eligibility. These infractions suggest inconsistent decision-making behind the wheel and repeated offenses are especially concerning for providers. Maintaining a clean slate gives you the best access to coverage.
Below are average car insurance costs in Nebraska for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $131 | $1,571 |
| Defective Equipment | $210 | $2,520 |
| Driving on Sus. License | $232 | $2,780 |
| Eluding Police | $333 | $3,993 |
| Failure to Obey Traffic Sign | $218 | $2,614 |
Cheapest auto insurance for low credit scores in Nebraska
In Nebraska, a driver’s credit score may be factored into the insurance rate calculation. Poor credit is sometimes seen as a proxy for increased risk and this may impact policy pricing and availability.
Below are the most affordable insurers in Nebraska for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $120 | $1,445 |
| National General | $154 | $1,852 |
| Progressive | $157 | $1,879 |
| Assurance America | $168 | $2,011 |
| Dairyland | $215 | $2,578 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Nebraska
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
Learn more: Best car insurance companies
Factors that affect car insurance costs in Nebraska
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
Learn more: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
