Nebraska Car Insurance Quotes & Average Rates
Full coverage car insurance in Nebraska is estimated at $2,024 a year, or $169 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $540 a year. Nebraska is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 12 Nebraska cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Nebraska
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Nebraska
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,538 | $128 | -24% | Military members and families only |
| Geico | $1,660 | $138 | -18% | Usually cheapest for clean records |
| State Farm | $1,781 | $148 | -12% | Strong for young and student drivers |
| Progressive | $1,923 | $160 | -5% | Competitive after a ticket or accident |
| Travelers | $1,963 | $164 | -3% | Good multi-policy discounts |
| Nationwide | $2,024 | $169 | 0% | Mid-market, wide availability |
| Allstate | $2,307 | $192 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,449 | $204 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Nebraska. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Nebraska car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,466 | $1,458 | $455 |
| 18 years old | $4,611 | $1,229 | $384 |
| 20 years old | $3,818 | $1,018 | $318 |
| 22 years old | $3,171 | $846 | $264 |
| 25 years old | $2,420 | $645 | $202 |
| 30 years old | $2,086 | $556 | $174 |
| 40 years old | $1,961 | $523 | $163 |
| 50 years old | $1,878 | $501 | $156 |
| 60 years old | $1,857 | $495 | $155 |
| 65 years old | $1,940 | $517 | $162 |
| 70 years old | $2,128 | $567 | $177 |
| 75 years old | $2,483 | $662 | $207 |
Estimated premiums by age in Nebraska, clean record, sedan.
How violations change your Nebraska premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $2,024 | — |
| 1 speeding ticket | $2,489 | +23% |
| 1 at-fault accident | $2,975 | +47% |
| DUI / DWI | $3,825 | +89% |
What a violation costs a 35-year-old in Nebraska. Surcharges normally stay on the policy for three to five years.
A DUI in Nebraska usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Nebraska minimum insurance requirements
| Required coverage in Nebraska | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| Uninsured/underinsured 25/50 | Required |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Nebraska Department of Insurance before you buy.
Coverage levels in Nebraska
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $540 | $45 |
| Full coverage (100/300/100 + comp & collision) | $2,024 | $169 |
| Full coverage, high limits + low deductible | $2,408 | $201 |
Coverage level comparison for Nebraska.
Car insurance rates in Nebraska cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 12 Nebraska cities we price.