For a 40-year-old driver with a clean record, Hastings car insurance averages about $211 a month ($2,532 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 6% below the Nebraska average of $224 a month. Farmers Mutual of Nebraska has the lowest full-coverage average among insurers open to all drivers in our Hastings table, at about $135 a month.
Hastings costs our benchmark driver about $13 a month less than the Nebraska average and about $28 a month less than Omaha.
Allstate, at about $274 a month for full coverage, costs less than Farm Bureau Financial Services ($290) in Hastings, the reverse of the statewide order.
Cost data comes from the auto rates insurers file with state regulators, priced in Hastings’ ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Hastings, NE?
Full coverage in Hastings averages $2,532 a year, or about $211 a month, for our benchmark driver. Liability-only coverage at Nebraska’s 25/50/25 minimum averages $484 a year ($40 a month), and 50/100/50 liability with comprehensive and collision averages $2,452 ($204 a month).
- Full coverage (100/300/100, $500 deductibles): $2,532 a year ($211 a month)
- 50/100/50 with $500 deductibles: $2,452 a year ($204 a month)
- Liability only (25/50/25): $484 a year ($40 a month)
- Adams County: $2,532 a year ($211 a month) for full coverage
- Nebraska average: $2,688 a year ($224 a month) for full coverage
Cheap Car Insurance in Hastings: Companies Compared
- Lowest average open to all drivers, full coverage: Farmers Mutual of Nebraska, at about $135 a month ($1,619 a year).
- Next lowest open to all drivers: Progressive, at about $145 a month, then Allstate at $274.
- Liability only (25/50/25): Farmers Mutual of Nebraska and Progressive, effectively tied at about $23 a month each.
- State Farm (Nov. 2025 rates)*: about $178 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $132 a month, Auto-Owners at $155, GEICO at $168 and Shelter at $186 (USAA sells only to military families).
- Most expensive in our data: Farm Bureau Financial Services, at about $290 a month, $1,864 a year more than Farmers Mutual of Nebraska for the same driver and car.
Farmers Mutual of Nebraska has the lowest full-coverage average among insurers open to all drivers in our Hastings table. USAA, which sells only to military members, veterans and their families, has a lower average still ($132 a month), but we don’t rank it. 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, Farmers Mutual of Nebraska and Progressive are effectively tied for the lowest average, at about $23 a month each.
Full-coverage averages by insurer in Hastings
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $279 | $23 | $1,619 | $135 |
| Progressive | $280 | $23 | $1,741 | $145 |
| Allstate | $882 | $74 | $3,283 | $274 |
| Farm Bureau Financial Services | $494 | $41 | $3,483 | $290 |
| State Farm (Nov. 2025 rates)* | $449 | $37 | $2,133 | $178 |
| USAA (military families)* | $330 | $28 | $1,586 | $132 |
| Auto-Owners* | $389 | $32 | $1,861 | $155 |
| GEICO* | $307 | $26 | $2,018 | $168 |
| Shelter* | $480 | $40 | $2,237 | $186 |
| Hastings average | $484 | $40 | $2,532 | $211 |
This table uses Hastings’ ZIP code only. See how we calculated these rates.
Your ZIP code matters
How Much More Does Better Coverage Cost in Hastings?
Raising liability limits from 50/100/50 to 100/300/100 adds about $80 a year on average in our Hastings data, with the same $500 deductibles. That’s about $7 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. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Hastings?
Not for our benchmark driver. Comparing the same insurers in the same Hastings ZIP code, full coverage averaged $2,664 a year in rates as of Nov. 30, 2025, and $2,532 as of Aug. 31, 2026, a 5.0% drop. Progressive cut its Hastings average 20.8% and Farm Bureau Financial Services 7.2%, while Allstate raised its average 6.5%; 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 0.8%, led by Progressive, which cut its liability-only average 18.4%.
What Shapes Car Insurance Costs in Hastings
Adams County averages about $211 a month for full coverage, the 10th-least expensive of the 30 Nebraska counties we price. Our Adams County figure comes from Hastings’ ZIP code, 68901.
Aurora, to the northeast in Hamilton County, averages about $209 a month, and Holdrege, to the west in Phelps County, $212, about the same as Hastings. Where you live is one of the factors Nebraska insurers use, so neighboring towns can be priced differently.
How Hastings Car Insurance Compares With Other Nebraska Cities
More Nebraska cities and towns are in the Nebraska rates by city table, and you can compare states on our car insurance rates by state page.
Grand Island, about 25 miles north, averages $208 a month, and Kearney, about 35 miles west, $207. Lincoln, about 90 miles east, averages $203.
What Car Insurance Is Required in Hastings?
Drivers in Hastings follow Nebraska’s auto insurance laws. Every auto liability policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per crash
Our Nebraska requirements guide covers proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Hastings
- Compare Farmers Mutual of Nebraska and Progressive first. They have the two lowest full-coverage averages open to all drivers in our Hastings data, about $135 and $145 a month.
- Quote several insurers. In our Hastings data, the lowest and highest averages among insurers open to all drivers are about $155 a month apart for the same driver and car.
- 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.
- Compare at every renewal. Since November 2025, Progressive has cut its Hastings average 20.8% and Farm Bureau Financial Services 7.2%, while Allstate has raised its average 6.5%, so the order in our table can shift.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Nebraska home insurance rates before you shop.
Ready to compare
How We Calculated Hastings 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: four full-coverage premiums from four insurers in Hastings’ ZIP code, 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 Hastings’ ZIP code. The overall average is the mean of those prices. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code 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 code, 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.
Hastings Car Insurance FAQ
For our benchmark driver, full coverage in Hastings averages about $211 a month ($2,532 a year) and liability-only coverage about $40 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 6% below the Nebraska average of $224 a month.
Farmers Mutual of Nebraska has the lowest full-coverage average among insurers open to all drivers in our Hastings table, at about $135 a month, with Progressive close behind at $145. USAA, which sells only to military members, veterans and their families, has a lower average still ($132 a month), but we don’t rank it. For liability-only coverage, Farmers Mutual of Nebraska and Progressive are effectively tied for the lowest average. 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, and Farmers Mutual of Nebraska is first or second in all five that include it. Rates vary by driver, so compare quotes for your own car and ZIP code.
Kearney, for our benchmark driver. Hastings full coverage averages about $211 a month and Kearney about $207, a difference of about $4 a month for the same driver and car.
Hastings, for our benchmark driver. Hastings full coverage averages about $211 a month and Omaha about $239, a difference of about $28 a month for the same driver and car.
In our Hastings data, full coverage (100/300/100 with $500 deductibles) averages about $211 a month and liability-only coverage at 25/50/25 limits about $40, a difference of about $171 a month ($2,048 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP code, Hastings full coverage fell 5.0% between November 2025 and August 2026, from about $2,664 to $2,532 a year. Progressive cut its Hastings average 20.8% and Farm Bureau Financial Services 7.2%, while Allstate raised its average 6.5%. Liability-only coverage at 25/50/25 limits fell 0.8%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
