Car Insurance in Nebraska
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Nebraska Car Insurance Quotes
Nebraskans pay an average of $153 monthly for car insurance, well below the national average of $189 monthly. Despite being one of the least densely populated states, Nebraska is part of Tornado Alley, which can make driving hazardous during the springtime. Winters can also be dangerous, especially during heavy snowstorms.
Other factors influencing Nebraska car insurance rates include the driver's age and driving record, vehicle type and safety features, and consumer profile. We included those factors and others in our evaluation.
If you're in the market for a new car insurance policy, comparing Nebraska car insurance quotes can help. Read on to learn more.
If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free.
Nebraska Car Insurance Laws
All motor vehicle operators in Nebraska must show proof of financial responsibility for their vehicles. Acceptable proof includes car insurance, a surety or property bond of at least $75,000, a certificate of deposit, money, or securities valued at $75,000, or a certificate of self-insurance. However, self-insurance is only viable if the driver owns at least 26 registered vehicles.
Nebraska’s car insurance minimums are:
- $25,000 for the death or injury of one person
- $50,000 for the death or injury of two or more people
- $25,000 for property damage
Cheapest Insurance in Nebraska
We partner with insurance experts to analyze millions of data points and get you the best car insurance in Nebraska.
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | Nationwide | $99 |
| 2 | Farmers | $108 |
| 3 | USAA | $123 |
| 4 | Auto Owners | $129 |
| 5 | Progressive | $133 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
Proof of Insurance
“ Any individual must obtain car insurance ... before operating the vehicle on Nebraska public roads. ”
Driving without insurance in Nebraska is a Class II misdemeanor that could result in an automatic suspension of the operator's driver's license, motor vehicle registration, and license plates. The driver can only reinstate their driving privileges after obtaining the requisite proof of financial responsibility. They will need to demonstrate continuous evidence of financial responsibility for three years following the reinstatement.
Nebraska does not have a new car insurance grace period. Any individual who relocates to Nebraska or buys a new or used vehicle within the state must obtain car insurance or other proof of financial responsibility before operating the vehicle on Nebraska public roads.
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🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.