10 Best Auto Insurance Companies in Nebraska for 2025

State Farm, American Family Insurance, and Auto-Owners Insurance are the best auto insurance companies in Nebraska.

They offer affordable monthly rates with dependable claims handling, easy policy management, and friendly local agents who understand Nebraska’s driving conditions.

Safeco offers the cheapest minimum coverage at $36 per month, giving budget-conscious drivers more ways to save.

Top 10 Companies: Best Auto Insurance in Nebraska

Compare the top Nebraska auto insurance companies to find quality protection that fits your needs.

Compare quotes from the best car insurance companies in Nebraska using our free tool. Just enter your ZIP code to find affordable rates near you.

Affordable Auto Insurance Rates in Nebraska

Nebraska drivers pay different rates depending on their insurance company and coverage level (Read More: Liability vs. Full Coverage Auto Insurance).

Safeco has the lowest monthly rates at $36 for minimum coverage and $83 for full coverage.

Nebraska Auto Insurance Monthly Rates by Coverage Level

However, Safeco’s customer service ratings are below-average compared to Safeco or State Farm, which only charge $1-$5 more.

Allstate charges the most at $45 and $99 a month, offering broader protection options and better claims service.

Companies like AmFam and Auto-Owners fall in between, with full coverage around $80-$90 per month.

To get the best car insurance rates in Nebraska, compare quotes online before you buy. You can compare multiple companies side by side based on coverage, location, and more.

Find Cheap Nebraska Car Insurance Where You Live

Nebraska car insurance rates shift quite a bit depending on where you live. Cities with higher traffic or accident rates, like Omaha and Lincoln, tend to pay more, with monthly premiums hovering closer to $91 for full coverage.

Rural areas often see lower costs, averaging around $79 to $83 per month, for the same amount of coverage.

These local differences reflect the risk factors that insurers consider, such as population density, claim frequency, and repair costs, when setting state-wide costs.

For Nebraska drivers comparing providers, it’s worth checking how your city stacks up since even a few miles can change your monthly rate noticeably.

Read More: Auto Insurance Rates by State

Cheap Nebraska Auto Insurance for Young Drivers

Younger drivers, especially 18-year-olds, pay the highest monthly Nebraska car insurance rates. Safeco and State Farm have the lowest rates, starting at $121 a month.

Allstate reaches $162 a month for teens in Nebraska, and Liberty Mutual costs $149 monthly (Learn More: Cheap Auto Insurance for Teens).

Nebraska Auto Insurance Monthly Rates by Age

As drivers gain experience, premiums drop significantly. By age 35, Auto-Owners offers some of the most affordable coverage at $42 per month, while Safeco follows closely at $41 monthly.

For drivers looking to save, insurers like State Farm, Auto-Owners, and Safeco stand out for their lower rates for drivers at any age.

Compare High-Risk Auto Insurance in Nebraska

Drivers with a clean record get the best auto insurance rates in Nebraska. After one accident, rates rise across the board.

Allstate jumps to $72 per month, while Auto-Owners remains relatively low at $56 a month, showing how auto insurance after a DUI or other violations can increase sharply.

Nebraska Auto Insurance Monthly Rates by Driving Record

Many discussions about the best car insurance in Nebraska on Reddit point out how a clean record helps drivers secure lower rates and better coverage options.

A DUI causes the steepest increase, with most insurers exceeding $100 monthly, except Auto-Owners at $82 a month. For Nebraska drivers, maintaining a clean record can save over $60 monthly compared to those with a DUI.

How Credit Score Impacts Nebraska Car Insurance Rates

Nebraska drivers will notice a clear link between credit scores and car insurance costs, with lower scores leading to higher monthly rates.

Safeco offers the most affordable options across all credit tiers, starting at $36 per month for excellent credit and rising to $74 for poor credit.

Nebraska Auto Insurance Monthly Rates by Credit Score

Allstate charges $45 per month for drivers with excellent credit and up to $95 for lower scores. Auto-Owners and Travelers stay competitive with rates under $80, even for those with fair or poor credit.

For Nebraskans working to save, maintaining good credit can easily trim $20 to $40 off monthly car insurance costs, making a noticeable difference over time.

Read More: Expert Guide to Different Loans

Minimum Coverage Requirements in Nebraska

To drive legally in Nebraska, every driver must have at least the state’s minimum liability insurance.

This coverage pays for injuries or property damage you cause in an accident where you’re at fault:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $25,000 for property damage per accident

These limits, often written as 25/50/25, meet Nebraska’s legal insurance requirements. They protect other people if you’re responsible for an accident, but won’t cover repairs to your own car or your medical expenses.

Nebraska also requires uninsured and underinsured motorist coverage with the same minimum limits of $25,000 per person and $50,000 per accident to help if another driver doesn’t have enough insurance to pay for your injuries.

Nebraska is one of the most insured states in the country, with over 90% of local drivers at least meeting the minimum requirements.

It’s also one of the best states for insurance claims, with fewer than 5,000 claims filed per year, which helps keep Nebraska insurance costs low (Learn More: Worst States for Filing Auto Insurance Claims).

Choosing Optional Coverage in Nebraska

Meeting Nebraska’s minimum coverage requirements keeps you legally protected. Still, basic coverage might not be enough after a serious accident.

Adding extra protection with the best car insurance in Nebraska can help you avoid paying out of pocket after an accident. Many drivers choose to include:

• Collision Coverage: Helps pay for damage to your car after a crash, regardless of fault.
• Comprehensive Coverage: Covers losses from theft, vandalism, fire, or weather-related damage.
• Medical Payments Coverage: Pays medical bills for you or your passengers after an accident.
• Gap Coverage: Covers the difference between your car’s value and what you still owe on a loan.
• Rental Reimbursement: Pays for a rental car while yours is being repaired after a covered loss.

Exploring different types of auto insurance and adding extra options can give you more financial security if you’re driving a new car in Nebraska or have a long commute.

Adding extra coverage will raise your rates, so always compare Nebraska auto insurance quotes online before making any permanent changes to your policy.

How to Save on Auto Insurance in Nebraska

Nebraska drivers can take advantage of a wide range of auto insurance discounts, but the savings depend on the company and your driving habits.

Nationwide leads with up to 40% off for good drivers and usage-based programs, while Allstate offers a strong 40% discount for its telematics program as well.

Top Auto Insurance Discounts in Nebraska

Farmers and Progressive provide good driver savings at 30% monthly, and Liberty Mutual matches that for multi-vehicle discounts at 25%.

If you’re looking to save the most each month, bundling policies or enrolling in a usage-based program could make a noticeable difference, especially with insurers like Allstate, Nationwide, and Liberty Mutual (Read More: Liberty Mutual vs. Nationwide Auto Insurance).

Many of the best insurance companies for home and auto in Nebraska offer multi-policy discounts that can lower your overall monthly cost.

Saving on car insurance in Nebraska doesn’t have to be complicated. These small, smart changes can add up to big monthly savings.

• Bundle Your Coverage: Combine auto, home, or renters insurance under one provider to lower your monthly premium.
• Use a Telematics Program: Enroll in a usage-based program that rewards safe driving with rate reductions.
• Maintain a Clean Record: Avoiding accidents and violations helps you qualify for better monthly rates.
• Insure Multiple Vehicles: Adding more than one car to your policy can lead to significant savings.
• Compare rates regularly: Review and compare quotes at least once a year to make sure you’re not overpaying for your current coverage.

Taking a few minutes to review your policy and explore available discounts can lead to real savings each month. Nebraska drivers who combine safe habits with smart policy choices often pay far less over time.

The key is to stay proactive. Little steps like checking your coverage and updating your policy after life changes, like marriage or buying a new car, can make a big difference in what you pay.

Top 10 Auto Insurance Providers in Nebraska

When looking at the largest auto insurance companies in Nebraska, it’s clear that a handful of providers dominate the market.

State Farm leads with a 25% share, followed by Progressive at 21%, and American Family close behind at 19%.

These companies account for most of Nebraska’s policies and set the market prices with competitive monthly rates (Learn More: 17 Tips to Pay Less for Car Insurance).

Compare the leading Nebraska insurance companies to see which stands out for dependable coverage, fair pricing, and strong customer satisfaction.

#1 – State Farm: Top Overall Pick

Pros

• Personalized Service: State Farm’s local agents are well-known across Nebraska for offering one-on-one guidance that helps drivers choose the right level of coverage.
• Consistent Monthly Rates: Premiums stay stable for most drivers, making budgeting easier year-round.
• Strong Reputation: Nebraska drivers value State Farm’s long history of dependable claims handling and customer care.

Cons

• Higher Young Driver Rates: Teen and new drivers usually face higher monthly premiums compared to smaller regional companies.
• Limited Tech Options: The online experience isn’t as advanced as some newer insurers’ digital platforms. Read more in our State Farm review.

#2 – American Family Insurance: Best for Local Agents

Pros

• Community Focus: Nebraska agents at American Family understand local roads and weather patterns to provide policies perfectly suited for individual drivers.
• Bundling Discounts: When drivers bundle their car and home insurance n Nebraska they can receive significant savings each month.
• Quick Claims Handling: Many customers appreciate the company’s responsiveness during the claims process. See more in our American Family insurance review.

Cons

• Rural Availability: Some smaller Nebraska towns have fewer nearby offices, which may limit in-person support.
• Basic Online Tools: The website and mobile app work fine but lack the perks of larger competitors.

#3 – Auto-Owners Insurance: Best for Fast Claims

Pros

• Efficient Claims Process: Many customers in Nebraska are happy to report that their claims were processed fairly and fast.
• Affordable Coverage: Auto-Owners is among the most affordable Nebraska auto insurance companies, especially for drivers with clean records.
• Local Expertise: Independent agents across Nebraska provide personalized advice and support. See what customers have to say in our Auto-Owners insurance review.

Cons

• No Online Purchasing: Drivers must work directly with an agent to get quotes or make policy changes.
• Limited Rural Reach: Some rural counties in Nebraska may have fewer local representatives.

#4 – Allstate: Best for Coverage Rewards

Pros

• Coverage Perks: Nebraska motorists with clean records earn add-ons like accident forgiveness and vanishing deductibles.
• Safe Driving Discounts: The Drivewise usage-based program rewards safe habits with lower monthly premiums. See how it works in our Allstate insurance review.
• Reliable Claims Network: Backed by strong financial ratings, Allstate provides dependable support for Nebraska car insurance claims.

Cons

• Higher Premiums: Monthly costs are generally above average, especially for minimum coverage, which starts at $45 a month, the highest on this list.
• Complex Discount Rules: Some savings require multiple bundled policies or consecutive claim-free years to qualify.

#5 – Farmers Insurance: Best for Tailored Protection

Pros

• Flexible Options: Farmers offers Nebraska drivers flexible coverages for their vehicles and lifestyles, including rideshare drivers and classic auto policies.
• Safe Driver Savings: Customers with clean driving records receive a 30% discount each month.
• Knowledgeable Agents: Policyholders can reach out to a local agent in Nebraska for claims help, policy changes, and more.

Cons

• Above-Average Rates: Monthly premiums tend to run higher than many other car insurance companies in Nebraska.
• Digital Limitations: The mobile app and online dashboard could be more intuitive. Our Farmers insurance review provides more insight into the user experience.

#6 – Liberty Mutual: Best for Discount Selection

Pros

• Wide Range of Discounts: Liberty Mutual has lots of ways to save in Nebraska, with everything from good driver discounts to multi-car savings.
• Strong Mobile Experience: Its app makes managing policies and filing Nebraska auto insurance claims simple and fast.
• Reliable Claims Service: Nebraska drivers often praise the company for quick and fair claim settlements.

Cons

• Higher Starting Prices: Base rates can feel high before discounts are applied. Compare rates and discount options in our Liberty Mutual insurance review.
• Too Many Add-Ons: The wide variety of options can make it confusing to find the best car insurance in Nebraska.

#7 – Progressive: Best for Online Tools

Pros

• Easy Digital Access: It’s easy to pull up Progressive’s website or app, compare quotes, and customize your coverage from your phone.
• Usage-Based Discounts: Drivers who use Snapshot can earn lower monthly rates through safe driving.
• Transparent Pricing: The “Name Your Price” tool helps customers find the best auto insurance rates in Nebraska that fit their budget.

Cons

• Rate Increases: Premiums can go up after renewal, even for drivers with clean records. Read our Progressive insurance review to see how rates and policies compare.
• Minimal Local Support: Most customer service interactions happen online or by phone since there are no local agents in Nebraska.

#8 – Nationwide: Best for Usage-Based Savings

Pros

• SmartRide Program: This usage-based savings and rewards program could save you up to 40% per month in Nebraska.
• Solid Coverage Options: Balances affordability with dependable protection for a wide range of drivers.
• Financial Strength: Nationwide’s strong A.M. Best rating shows long-term stability and reliability.

Cons

• Average Base Rates: Nationwide car insurance in Nebraska is not the cheapest. Get more quotes in our Nationwide insurance review.
• Fewer Local Offices: Some rural areas in Nebraska don’t have dedicated agents nearby.

#9 – Safeco: Best for Easy Bundling

Pros

• Bundling Benefits: Combining multiple policies, including Nebraska home and auto insurance, can lead to 15% savings.
• Low Monthly Rates: For both minimum and full coverage, Safeco is typically one of the cheapest car insurance companies in Nebraska.
• Straightforward Claims: Drivers often find the claims process quick and hassle-free.

Cons

• Limited Local Presence: Fewer in-person agents in smaller Nebraska towns. See our Safeco insurance review for details on agent and customer experience.
• Basic Digital Tools: The app works fine, but lacks some of the advanced features larger Nebraska car insurance companies offer.

#10 – Travelers: Best for Financial Strength

Pros

• Strong Financial Reputation: Travelers has one of the best financial reputations in Nebraska, ensuring claims are backed and paid in full.
• Reasonable Full Coverage Rates: Offers competitive monthly pricing for full coverage protection at $82 a month.
• Usage-Based Savings: Nebraska drivers with good driving habits can save up to 30% with Travelers Intellidrive program.

Cons

• Limited Agent Access: Fewer local offices than other national car insurance companies in Nebraska.
• Discount Availability: Not all discounts apply to every driver or location. See our Travelers insurance review to find which savings fit your profile.

Picking Out the Best Nebraska Auto Insurance

Finding the best auto insurance companies in Nebraska comes down to your priorities between cost, coverage, and customer service.

State Farm offers consistent rates and reliable protection, while American Family Insurance provides local expertise for Nebraska drivers. Auto-Owners Insurance appeals to those seeking quick claims and responsive support.

If you really want low rates, Safeco’s minimum $36-a-month coverage is our top pick. It’s always a good idea to compare auto insurance companies to ensure you’re getting the best price on the right coverage.

Start saving with the best auto insurance companies in Nebraska by entering your ZIP code and comparing quotes to find affordable coverage that fits your budget.