Cheapest Car Insurance In Nebraska For 2024
American National is famous for its dependable and competitively priced minimum car insurance in Nebraska, costing $20 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding affordable car insurance in Nebraska may seem overwhelming, but it doesn’t need to be difficult. American National, a reputable insurer, is known for competitive rates and coverage choices that range from basic to comprehensive. As costs of living rise, securing the right insurance at the best price is essential.
Whether you’re new to driving, on the road daily, or a family hoping to save, understanding what affects rates and knowing where to find the best deals can be a game-changer. With years of research, I’ve simplified the process to help you in this guide.
Cheapest Car Insurance Companies In Nebraska
Cheapest Car Insurance In Nebraska For Young Drivers
Compared to teens, young adult drivers in Nebraska frequently find lower car insurance rates. This is because they adopt safer driving habits, leading to fewer claims. Insurance providers consider these behaviors and reward young adults with reduced premiums.
Cheapest Nebraska Car Insurance For 16-Year-Olds
Farmers Mutual of Nebraska provides the lowest monthly premiums for sixteen-year-olds, averaging $295.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $426 | $5,105 |
| North Star Mutual | $469 | $5,623 |
| Shelter | $478 | $5,734 |
| Farmers Mutual of Nebraska | $295 | $3,541 |
| Auto-Owners | $407 | $4,877 |
Cheapest Nebraska Car Insurance For 17-Year-Olds
Seventeen-year-olds can secure affordable insurance rates with Farmers Mutual of Nebraska, where premiums average $285.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $410 | $4,919 |
| USAA | $427 | $5,115 |
| Shelter | $452 | $5,420 |
| Farmers Mutual of Nebraska | $285 | $3,417 |
| Auto-Owners | $373 | $4,474 |
Cheapest Nebraska Car Insurance For 18-Year-Olds
For 18-year-olds, Farmers Mutual of Nebraska provides the cheapest insurance rates, typically at $268 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $383 | $4,587 |
| Nationwide | $391 | $4,684 |
| Shelter | $424 | $5,087 |
| Farmers Mutual of Nebraska | $268 | $3,208 |
| Auto-Owners | $361 | $4,333 |
Cheapest Nebraska Car Insurance For 21-Year-Olds
Farmers Mutual of Nebraska stands out as the most cost-effective option, with premiums averaging $191 per month for 21-year-olds.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $231 | $2,767 |
| Progressive | $250 | $2,994 |
| Auto-Owners | $268 | $3,209 |
| Farmers Mutual of Nebraska | $191 | $2,294 |
| Nationwide | $198 | $2,374 |
Cheapest Car Insurance In Nebraska For Good Drivers
In Nebraska, American National offers insurance to good drivers at an average cost of $50 per month, the most affordable option.
| Provider | Average Monthly Cost | Average Annual Cost |
|
State Farm |
$114 |
$1,366 |
|
GEICO |
$87 |
$1,042 |
|
Shelter |
$90 |
$1,078 |
|
American National |
$50 |
$598 |
|
Progressive |
$110 |
$1,318 |
Car insurance costs for safe drivers in Nebraska can differ based on factors such as their driving history, age, and desired coverage. Generally, those with clean driving records may qualify for lower premiums because insurers perceive them as less risky. They may also qualify for discounts for maintaining a good driving record. Safe drivers should compare quotes from multiple insurers to find competitive rates and coverage options that suit their preferences.
Cheapest Car Insurance In Nebraska For Drivers With Poor Credit
Farmers Mutual of Nebraska’s insurance rates stand out in Nebraska, especially for drivers with poor credit, averaging $100 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Shelter |
$172 |
$2,062 |
|
Allstate |
$182 |
$2,182 |
|
Farmers |
$220 |
$2,638 |
|
American National |
$135 |
$1,618 |
| Farmers Mutual of Nebraska |
$100 |
$1,198 |
Car insurance rates in Nebraska are affected by credit scores, with lower scores typically leading to higher premiums. Insurers use credit history to evaluate risk, viewing drivers with poor credit as more likely to file claims. Despite these challenges, drivers can manage costs by comparing insurance quotes and exploring available discounts.
Cheapest Car Insurance In Nebraska For Minimum Coverage
American National offers affordable rates for minimum car insurance coverage in Nebraska, averaging $20 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National |
$20 |
$238 |
| Farmers Mutual of Nebraska |
$30 |
$358 |
|
AAA |
$60 |
$718 |
|
GEICO |
$45 |
$538 |
|
State Farm |
$43 |
$514 |
Nebraska law mandates that drivers maintain minimum car insurance to drive legally, which usually includes liability coverage for bodily injury and property damage. Bodily injury liability covers medical expenses and legal fees if you are responsible for an accident that injures others, while property damage liability pays for repairing or replacing someone else’s property or vehicle if you cause the damage. These minimum coverage levels are determined by state regulations and may vary based on your driving history or vehicle type. Understanding these rules is essential for ensuring adequate financial protection.
Cheapest Car Insurance In Nebraska For Full Coverage
In Nebraska, American National offers the most economical full coverage car insurance, with monthly premiums as low as $50 on average.
| Provider | Average Monthly Cost | Average Annual Cost |
|
$114 |
$1,366 |
|
|
GEICO |
$87 |
$1,042 |
|
Shelter |
$90 |
$1,078 |
|
American National |
$50 |
$598 |
|
Progressive |
$110 |
$1,318 |
Nebraska drivers can select full coverage car insurance, which not only meets the state’s liability insurance requirements but also includes options like collision and comprehensive coverage. Collision coverage covers the cost of repairing your car after an accident, regardless of fault, while comprehensive coverage protects against non-accident-related damages such as theft or fire. Opting for full coverage provides financial security and peace of mind, preparing you for various risks. It’s essential to review policy specifics, including coverage limits and deductibles, to ensure it meets your needs adequately.
Cheapest Car Insurance In Nebraska For Drivers With Prior Incidents
Securing affordable car insurance in Nebraska can be difficult for individuals with a history of accidents, speeding tickets, or DUIs. Insurers classify them as high-risk, resulting in higher premiums to cover potential claims. This issue is particularly notable in Nebraska due to its high rate of traffic incidents. Insurers devise their pricing strategies based on statistical analyses that show a connection between past driving incidents and an increased probability of future claims.
Cheapest Car Insurance In Nebraska After A Speeding Ticket
State Farm is a budget-friendly choice for drivers with speeding tickets, offering average premiums at $120.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $194 | $2,326 |
| Progressive | $175 | $2,098 |
| State Farm | $120 | $1,438 |
| Allstate | $210 | $2,518 |
| GEICO | $190 | $2,278 |
Cheapest Car Insurance In Nebraska After An At-Fault Accident
State Farm provides a cost-effective solution for drivers with speeding tickets, with premiums averaging $125.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $290 | $3,478 |
| GEICO | $300 | $3,598 |
| Nationwide | $242 | $2,902 |
| State Farm | $125 | $1,498 |
| Progressive | $220 | $2,638 |
Cheapest Car Insurance In Nebraska After A DUI
American Family offers the most affordable insurance option at an average premium of $150 for drivers with DUIs.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $150 | $1,798 |
| GEICO | $470 | $5,638 |
| Farmers | $250 | $2,998 |
| Nationwide | $305 | $3,658 |
| State Farm | $415 | $4,978 |
Cheapest Car Insurance In Nebraska For Seniors
American National’s Nebraska plan for seniors is competitively priced at $42 monthly, ensuring affordability.
| Provider | Average Monthly Cost | Average Annual Cost |
|
AAA |
$122 |
$1,462 |
|
Shelter |
$75 |
$898 |
|
Progressive |
$79 |
$946 |
|
State Farm |
$100 |
$1,198 |
|
American National |
$42 |
$502 |
Older drivers can enjoy lower insurance premiums, as they are typically considered skilled and cautious. Since many seniors drive fewer miles, they are at a lower risk for accidents. Insurers may offer senior discounts based on age and careful driving habits, with more savings available for completing a defensive driving course focused on safety.
Average Cost Of Auto Insurance In Nebraska – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $504 | $6,041 |
| 17 | $471 | $5,645 |
| 18 | $438 | $5,255 |
| 19 | $383 | $4,590 |
| 21 | $290 | $3,481 |
| 25 | $211 | $2,527 |
| 35 | $190 | $2,272 |
| 45 | $171 | $2,043 |
| 55 | $154 | $1,843 |
| 65 | $153 | $1,828 |
| 75 | $173 | $2,072 |
Average Cost Of Car Insurance In Nebraska – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,198 |
| Male | Single | $1,230 |
| Female | Married | $1,250 |
| Male | Married | $1,300 |
Average Cost Of Auto Insurance In Nebraska – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $104 | $1,246 |
| Good | $102 | $1,220 |
| Poor | $155 | $1,858 |
Cheapest Car Insurance In Nebraska By City
| City | Average Monthly Cost | Average Annual Cost |
| Hastings | $184 | $2,206 |
| Kearney | $184 | $2,206 |
| La Vista | $181 | $2,165 |
| Bellevue | $183 | $2,195 |
| Columbus | $179 | $2,149 |
Minimum Car Insurance Requirements In Nebraska
In Nebraska, drivers must have minimum insurance, which includes liability coverage for bodily injury and property damage at 25/50/25—$25,000 per injured person, $50,000 for each accident, and $25,000 for property damage. Uninsured/underinsured coverage is mandatory at $25,000 per person and $50,000 per accident, and Personal Injury Protection (PIP) covers medical costs and lost wages. If eligible, drivers can select the Health Insurance Primary (HIP) option.
Car Insurance Discounts In Nebraska
Searching for car insurance discounts can help you save, and your agent may offer other options. Typical discounts include:
- Safe Driver Discount: Available for drivers with no accidents or tickets.
- Multi-Vehicle Discount: Adding multiple cars to one policy can result in savings.
- Bundling Discount: Combining car insurance with other policies often lowers premiums.
- Good Student Discount: Students with strong grades may qualify for lower rates.
- Defensive Driving Discount: A defensive driving course could qualify you for a discount.
Our Methodology
Throughout my investigation, I employed a methodical strategy to collect and analyze data on different car insurance providers and their policies. Initially, I pinpointed key factors for evaluation, including coverage choices, costs, customer approval, and financial reliability. Then, I gathered data from trustworthy sources such as insurer websites, consumer reviews, and industry analyses. With all the information compiled, I categorized it and assessed each company against set standards. This process involved comparing coverage options, premiums, discounts, and customer opinions to identify each provider's pros and cons.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
How much is car insurance a month in Nebraska?
Monthly car insurance payments in Nebraska can vary, depending on factors such as age, driving background, and chosen coverage.
What is the minimum car insurance one must have in Nebraska?
Nebraska mandates that drivers have car insurance covering liability for bodily injury and property damage, as well as mandatory Personal Injury Protection (PIP).
Which insurance is better in Nebraska?
The best insurance in Nebraska varies by person, based on driving style, coverage needs, and personal preferences. Comparing different insurance quotes can help you select the right option.
