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If you’re curious about the average cost of car insurance in Nebraska, we have the answer. The average yearly premium for full coverage is $2,357, while the state’s minimum required coverage is $510. The national averages are $2,679 for full coverage and $808 for minimum coverage, both higher than Nebraska’s averages.. Because your rate is determined by various specific characteristics, like your ZIP code, driving record, and credit history, it will likely vary from the average. By comparing estimates from multiple providers, you can get a policy for less than the average; switching carriers is not complicated if you find a cheaper rate.
Nebraska Car Insurance Rates by City
In Nebraska, the average cost of minimum coverage car insurance is $510 annually, or about $43 per month, making it significantly cheaper than the national average of $808 annually. Nebraska ranks among the states with lower auto insurance costs overall, though actual premiums vary widely. The cost of your policy depends heavily on factors such as your city or ZIP code, driving record, and personal profile. Even within the same city, rates can differ based on weather, crime levels, and repair costs.
| City | Full Coverage Annual Premium | Minimum Coverage Annual Premium |
| Lincoln | $921 | $406 |
| Omaha | $1,124 | $495 |
Note: City-specific averages can vary widely and are not consistently reported; rates depend on ZIP code, provider, and personal factors.”
Also Read: Average Cost of Car Insurance in Georgia
Average Car Insurance Costs by Age and Gender in Nebraska
Nebraska is among the states that permit age and gender as rating variables for auto insurance. Experienced drivers usually receive a higher salary than younger ones. Due to their propensity for more moving infractions and accidents, men also pay more overall. In Nebraska, the cost of auto insurance is highly influenced by age. Generally speaking, younger drivers pay the highest premiums. In Nebraska, the average annual rate for full coverage insurance for drivers between the ages of 22 and 29 is $1,334. This is because younger drivers are seen by insurance as having a higher risk.
| Age Group | Average Annual Premium | Average Monthly Premium |
| 22-29 | $1,334 | $111 |
| 30-59 | $1,053 | $88 |
| 60 + | $987 | $82 |
Younger drivers in Nebraska pay the highest premiums, while rates typically decline with age and experience. Mature drivers (30–59) often pay less, while seniors may enjoy the lowest rates depending on their driving records.
Car Insurance Rates in Nebraska By Credit Score
Drivers with poor credit may pay up to 85–120% more for coverage, while those with excellent credit can save around 15–20% compared to average rates.
| Credit Tier | Avg. Annual Premium in Nebraska | Percentage Difference from Nebraska Avg. Annual Premium |
| Poor | $5,044 | 119% |
| Average | $2,589 | 12% |
| Good | $2,303 | 0% |
| Excellent | $1,878 | -18% |
Cheapest Car Insurance Companies in Nebraska
Even among insurance companies in the same state, auto insurance rates might differ dramatically. For instance, American National P&C provides the lowest full coverage auto insurance in Nebraska each year at $488, while AAA has the highest average rate at $1,473. Finding the best deal on auto insurance in Nebraska might result in significant savings. Getting the best value for your coverage needs and the lowest pricing is essential.
| Company | Annual Premium | Monthly Premium |
| American National P&C | $548 | $45 |
| Auto-Owners Insurance Co | $828 | $69 |
| Farmers Mutual of Nebraska | $1044 | $87 |
| Shelter | $1,152 | $96 |
| GEICO | $816 | $68 |
| Progressive | $888 | $74 |
| IMT Insurance Company | $1,080 | $90 |
| Iowa Farm Bureau | $1,181 | $98 |
Cost For a Driving Record in Nebraska
The average cost for Nebraska auto insurance increases dramatically if you have a history of moving offenses or accidents. Accidents and tickets might tell insurance companies that you are a more reckless driver who is more likely to submit a claim, so they usually raise premiums in response. One of the most serious driving offenses is a DUI, and some insurance companies may refuse to cover high-risk drivers with prior DUI convictions. In Nebraska, the typical cost of auto insurance can change depending on your driving history.
- With a ticket: $1,335 a year; $111 monthly
- In the event of an at-fault collision: $1,623 annually; $135 monthly
- With a DUI: $172 monthly; $2,067 annually
The kind of infraction directly impacts insurance rates. More serious infractions carry a greater price tag, and once a ticket appears on your driving record, it usually stays there. In Nebraska, for instance, a DUI may impact your insurance rates for five years. Although it’s common knowledge that DUI convictions increase insurance premiums, this isn’t always the case. Depending on the policy of the insurance provider and the state laws, there are situations when more infractions could result in rate hikes that are similarly significant.
Use the table below to determine the average insurance cost in Nebraska based on a driver’s driving record.
| Driving Incident | Avg. Annual Premium in Nebraska | Percentage Increase from Nebraska Avg. Annual Premium |
| Clean driving record | $2,303 | 0% |
| Speeding ticket conviction | $2,700 | 17% |
| At-fault accident | $3,553 | 54% |
| DUI conviction | $4,262 | 85% |
How Much Is the Auto Insurance for Good and Poor Credit Scores in Nebraska
Nebraskans may observe that the average cost of auto insurance varies greatly depending on credit scores; for example, a good credit score averages $762, while a poor credit score may cost an astounding $2,305. Your credit score is a significant factor in deciding your auto insurance premiums in Nebraska, as in many other states. Per the above standard, a credit score between 670 and 739 is generally good. Options for cheaper auto insurance may become available to those with better credit scores.
Also Read: Average Cost of Car Insurance in Arizona
Conclusion
Check out USAA, Farmers Mutual of Nebraska, State Farm, North Star Mutual, and Progressive. These companies often provide drivers in the Cornhusker State with reasonably priced insurance and top-notch customer support. Auto insurance is a very personalized product. Get more customized rate predictions by utilizing Beem’s calculator tool.
FAQs on Average Cost of Car Insurance in Nebraska
What Is Full Coverage Car Insurance in Nebraska
The average annual premium for full coverage auto insurance with a $1,000 deductible is $1,053 for drivers in Nebraska. The average annual cost of the state minimum coverage is $421 if you’re looking at it. Comprehensive and collision insurance are included in full coverage, which provides greater security than basic coverage.
How much car insurance do I need in Nebraska?
Nebraska has minimum auto insurance standards that include $25,000 for property damage liability, $30,000 for bodily injury liability per person, and $60,000 per accident. Drivers must maintain at least this minimal coverage to abide by state rules.
What is the monthly insurance cost in Nebraska?
Our rate estimates show that the average full-coverage auto insurance cost in Nebraska is $135 per month, or $1,622 annually. The average minimum-coverage auto insurance cost is $35 per month, or $417 annually.
