If you’re looking for cheap Nebraska car insurance, shopping around is crucial. Insurance costs for a single policy vary wildly from one company to the next and may be affected by your age, gender and other factors.
To make things easier, NerdWallet researched the two cheapest car insurance options in the Cornhusker State for the following categories:
Cheapest for safe drivers
For drivers with no at-fault accidents, DUIs or moving violations
price
- $71/month
price
- $88/month
For safe drivers, Farmers Mutual was around $17 cheaper per month than State Farm. Some drivers may prefer State Farm, despite the slightly higher price, simply because of the company’s well-known name and reach. State Farm offers policies in all 50 states, so drivers who leave Nebraska won’t have to change providers. State Farm also has a larger number of discounts that may lower its prices to match, or beat, Farmers Mutual.
Cheapest for young drivers
For drivers in their early 20s
price
- $140/month
price
- $140/month
Young drivers in Nebraska got the best deal with Allstate or Farm Bureau Insurance in our test. The companies had identical prices, and both offer discounts for young drivers — such as those for getting good grades, attending school far from home or participating in a driver training course.
Cheapest for high-mileage drivers
For drivers who travel more than 40 miles per day
price
- $74/month
price
- $88/month
Nebraska drivers with long commutes saved a little less than $15 a month in our study by choosing Farmers Mutual instead of State Farm. In this case, too, though, they may find that State Farm offers a better value. The company offers optional coverage that pays for car rental and travel expenses for drivers who are stuck away from home. State Farm’s discounts also may make up some of the difference in price.
Cheapest for drivers with imperfect record
For drivers who’ve had at-fault accidents, DUIs or moving violations
price
- $86/month
price
- $96/month
For Nebraska drivers with a ticket or two, there was a pretty narrow gap between Farmers Mutual and State Farm: only $10 a month. In addition, both companies offer emergency road service, which the accident-prone may want to consider as an add-on, and discounts to help drivers manage their higher premiums.
Minimum Nebraska car insurance requirements
Nebraska drivers must carry liability insurance and uninsured motorist coverage in the following amounts:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
To avoid out-of-pocket costs, consumers should consider buying more than the bare minimum. Drivers may also want added protection from optional coverages such as collision or comprehensive.
Check out NerdWallet’s guide to state auto insurance requirements for a better understanding of how the various parts of your Nebraska car insurance policy work.
Alternative car insurance in Nebraska
If you’re having trouble obtaining Nebraska car insurance from traditional providers because of a spotty record, poor credit or other factors, you may seek coverage through the state’s Assigned Risk or High Risk plan. Learn more about your options right here.
Try our anonymous car insurance comparison tool to review estimates side by side and hunt down the cheapest car insurance in Nebraska.
METHODOLOGY
NerdWallet ran rates from the largest insurers in Nebraska across several ZIP codes. We tested for drivers with no accidents or violations, drivers younger than 25, drivers who travel more than 40 miles per day, and drivers with violations or accidents on their record. We used a Ford F-150 as our sample vehicle, the most popular car in Nebraska. These are just sample rates; your own rates will vary.
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