Nebraska Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Nebraska car insurance averages about $224 a month ($2,688 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% below the national average in our data. It’s about the same as in Kansas, higher than in Iowa, Missouri, South Dakota and Wyoming and lower than in Colorado. Farmers Mutual of Nebraska has the lowest full-coverage average of the four major insurers we compared (Allstate, Farm Bureau Financial Services, Farmers Mutual of Nebraska and Progressive), at about $142 a month.

Nebraska car insurance: key numbers

• Full coverage: about $224 a month ($2,688 a year)
• Liability only (25/50/25): about $50 a month
• Lowest-priced insurer: Farmers Mutual of Nebraska has the lowest full-coverage average of the four major insurers we compared, at about $142 a month
• Recent price change: −5.4% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Keith County (about $252 a month) and Lancaster County (about $203)

Where you live matters. Western Nebraska costs the most in our data: Keith County, home to Ogallala, averages about $252 a month for full coverage, followed by Red Willow County, home to McCook ($247), and Scotts Bluff County ($245). Douglas County, home to Omaha, averages $240, and Lancaster County, home to Lincoln, is the least expensive of the 30 counties we price, at $203. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 85 Nebraska ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

What’s the Average Cost of Car Insurance in Nebraska per Month?

The average cost of car insurance in Nebraska is about $224 a month ($2,688 a year) for full coverage and $50 a month ($602 a year) for liability-only coverage at the 25/50/25 state minimum. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Nebraska averages $2,688 a year, or about $224 a month, for our benchmark driver. Liability-only coverage at Nebraska’s 25/50/25 minimum averages $602 a year ($50 a month), and 50/100/50 liability with comprehensive and collision averages $2,582 ($215 a month).

• Full coverage (100/300/100, $500 deductibles): $2,688 a year ($224 a month)
• 50/100/50 with $500 deductibles: $2,582 a year ($215 a month)
• Liability only (25/50/25): $602 a year ($50 a month)
• Omaha: $2,865 a year ($239 a month) for full coverage
• Lincoln: $2,434 a year ($203 a month) for full coverage
• Bellevue: $2,698 a year ($225 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Nebraska Compares With Neighboring States

Nebraska’s average is about $45 a month below Colorado’s, $28 above Iowa’s, $2 above Kansas’, $21 above Missouri’s, $30 above South Dakota’s and $63 above Wyoming’s. It’s the 18th-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Nebraska: Companies Compared

• Lowest average in our data, full coverage: Farmers Mutual of Nebraska, at about $142 a month ($1,705 a year).
• Next lowest any driver can buy: Progressive, at about $148 a month, then Farm Bureau Financial Services and Allstate, effectively tied at $299 and $306.
• Lowest liability-only average (25/50/25): Progressive, at about $27 a month, then Farmers Mutual of Nebraska at $29.
• State Farm (Nov. 2025 rates)*: about $207 a month for full coverage, from its November 2025 rates.
• Also on our list: USAA at about $143 a month, Auto-Owners at $167, GEICO at $181 and Shelter at $201 (USAA sells only to military families).
• Most expensive in our data: Allstate and Farm Bureau Financial Services, effectively tied at about $306 and $299 a month for full coverage.

Farmers Mutual of Nebraska has the lowest full-coverage average among the four insurers in our Nebraska rate data. The published 2026 statewide Nebraska rate studies we reviewed don’t agree on the cheapest insurer for full coverage. Of the seven that price it, two put Farmers Mutual of Nebraska first and two GEICO, apart from USAA, which sells only to military families, and the other three name other insurers. Farmers Mutual of Nebraska is first or second in all five that include it. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among these four insurers, at about $27 a month, with Farmers Mutual of Nebraska close behind at $29.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.

See What You’d Pay in Nebraska

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Rates change by city and ZIP code across Nebraska. Enter yours to compare quotes.

How Nebraska’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Nebraska?

Not for our benchmark driver. Comparing the same insurers in the same Nebraska ZIP codes, full coverage averaged $2,841 a year nine months earlier and $2,688 in rates as of Aug. 31, 2026, a 5.4% drop. Progressive cut its Nebraska average 21.1% and Farm Bureau Financial Services 10.0%, while Allstate raised its average 7.6%; Farmers Mutual of Nebraska’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits fell 0.7%, led by Progressive, which cut its liability-only average 17.6%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Nebraska Car Insurance Costs

Nebraska’s full-coverage average is the 18th-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Western Nebraska and Omaha. The seven most expensive counties in our data are all in the western half of the state, and Omaha, at $239 a month, is the most expensive of the eight cities we publish guides for. Liability-only coverage runs the other way: Omaha’s liability-only average, about $59 a month, is the highest of the 38 cities and towns we price, and Sidney and Chadron, in the Panhandle, have the lowest, at $34 and $35.
• Two price groups. Farmers Mutual of Nebraska and Progressive average about $142 and $148 a month for full coverage statewide, less than half of what Farm Bureau Financial Services ($299) and Allstate ($306) charge. Farmers Mutual of Nebraska’s prices barely change across the state: about $133 to $153 a month in the 38 cities and towns we price.
• Uninsured motorist coverage on every policy. Nebraska requires 25/50 uninsured and underinsured motorist coverage on every auto liability policy, so it’s included in every liability-only price in our data.

Nebraska Car Insurance Rates by City

Among cities with at least two ZIP codes in our data, Omaha is the most expensive, at $239 a month for full coverage, followed by Bellevue at $225 and Papillion at $213. Lincoln is the least expensive of the six, at about $203. Across all 38 cities and towns we price, averages run from about $252 in Ogallala to $203 in Lincoln, the state capital.

The table lists all 38 Nebraska cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Car Insurance Guides for Nebraska Cities

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Nebraska Car Insurance Rates by County

Keith County is the most expensive county in our data, at about $252 a month for full coverage, followed by Red Willow County ($247) and Scotts Bluff County ($245). The least expensive are Lancaster County ($203), Otoe County ($205) and Buffalo County ($207). We price 30 of Nebraska’s 93 counties.

How Much More Does Better Coverage Cost in Nebraska?

Raising liability limits from 50/100/50 to 100/300/100 adds about $106 a year on average statewide in our data, with the same $500 deductibles. Across the four insurers, the step up costs $28 (Allstate) to $275 (Progressive) a year. Statewide, that’s about $9 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Nebraska Car Insurance Rules at a Glance

What Car Insurance Is Required in Nebraska?

Nebraska law requires two coverages: liability and uninsured and underinsured motorist coverage. Under Neb. Rev. Stat. 60-310, the minimum liability limits are:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $25,000 in property damage liability.

Under Neb. Rev. Stat. 44-6408, every policy must also include uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per crash, and the law has no provision for turning it down. If you ask in writing, your insurer must provide higher limits, up to $100,000 per person and $300,000 per crash.

Proof of Insurance in Nebraska

Proof of insurance must be in your vehicle at all times, according to the Department of Motor Vehicles, and under Neb. Rev. Stat. 60-387.01 you can show it on your phone without consenting to a search of the phone. If you’re cited but had coverage, you have 10 days to show proof to the prosecutor or county attorney, and the citation is dismissed, under Neb. Rev. Stat. 60-3,167.

Penalties for Driving Without Insurance in Nebraska

An owner who lets a vehicle be driven without insurance commits a Class II misdemeanor, and the state suspends the owner’s license, registration and plates, under Neb. Rev. Stat. 60-3,167. A Class II misdemeanor carries up to six months in jail, a $1,000 fine or both, under Neb. Rev. Stat. 28-106. After a conviction for no proof of insurance, the DMV requires an SR-22 on file for three years from the citation date and a $50 reinstatement fee. Starting July 1, 2027, insurers must file SR-22 certificates electronically, under Neb. Rev. Stat. 60-529.

Nebraska uses a comparative negligence rule for crash claims: under Neb. Rev. Stat. 25-21,185.09, you can’t recover damages if you’re 50% or more at fault, and below that your recovery shrinks by your share of the fault.

How to Lower Your Car Insurance Rate in Nebraska

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $164 a month apart for the same driver and car.
2. Compare Farmers Mutual of Nebraska and Progressive first. They have the two lowest full-coverage averages among insurers anyone can buy from statewide in our data, about $142 and $148 a month.
3. Consider higher uninsured motorist limits. Every Nebraska liability policy includes 25/50 uninsured and underinsured motorist coverage, and under Neb. Rev. Stat. 44-6408 your insurer must provide higher limits, up to 100/300, if you ask in writing. Our full-coverage prices include 100/300.
4. Keep proof of insurance in your car. Nebraska requires it in the vehicle at all times, according to the Department of Motor Vehicles, and under Neb. Rev. Stat. 60-387.01 showing it on your phone doesn’t give police consent to search the phone.
5. Ask for a rerate if your credit has improved. Nebraska insurers can use credit-based insurance scores, but under Neb. Rev. Stat. 44-7705 they can’t base your renewal rate on credit alone, and at renewal you can ask them to rerate your policy using a current credit report or score.
6. New to Nebraska? Switch your policy early. You have 30 days after arriving to title and register your vehicle, with proof of insurance, according to the DMV, and 30 days to get a Nebraska driver’s license, according to its licensing guide.
7. Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 21.1% and Farm Bureau Financial Services 10.0%, while Allstate has raised its average 7.6%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
9. Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Nebraska and our home insurance guides for Lincoln and Omaha, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.

Compare Nebraska Car Insurance Quotes

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How We Calculated Nebraska Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 340 full-coverage premiums from four insurers across 85 Nebraska ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count: our Nebraska averages come from four insurers, fewer than in most states. Two of them, Farmers Mutual of Nebraska and Progressive, charge far less than the other two for full coverage in every Nebraska city and town we price, so the averages can move a lot when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Nebraska’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Nebraska requires 25/50 uninsured and underinsured motorist coverage on every auto liability policy.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from recent published Nebraska rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Nebraska law and the Nebraska Department of Motor Vehicles. We refresh these figures when new rate data is released.

More Nebraska Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Nebraska Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure in all 93 counties, and a hybrid is the most expensive in 40 of them. A hybrid costs about 29% more than an SUV on average.

Nebraska Car Insurance FAQ