Car Insurance in Nebraska
With No Deposit/No Down Payment.
Introduction: Car Insurance in Nebraska
Nebraska has over 1.4 million licensed drivers, making car insurance essential for residents. Whether you’re driving through Omaha’s urban roads, commuting in Lincoln, or navigating rural highways, car insurance in Nebraska is legally required and provides financial protection.
Nebraska has moderate car insurance rates compared to the national average. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Nebraska is $1,568, which is below the national average of $1,674.
Nebraska Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/25 Rule)
According to the Nebraska Department of Insurance (NDOI), drivers must carry at least:
✔ $25,000 for bodily injury per person
✔ $50,000 for bodily injury per accident
✔ $25,000 for property damage per accident
✔ Uninsured/Underinsured Motorist Coverage (UM/UIM): Minimum of $25,000 per person/$50,000 per accident
Why Minimum Coverage May Not Be Enough:
- Medical expenses from an accident can exceed $25,000 per person.
- Vehicle repairs often surpass $25,000, especially for newer models.
- Nebraska has a high percentage of rural drivers, making Uninsured/Underinsured Motorist (UM/UIM) coverage crucial.
Recommended Full Coverage for Better Protection
Many Nebraska drivers opt for full coverage, which includes:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Important due to Nebraska’s tornadoes and severe storms |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Essential for added protection |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Beneficial for drivers with limited health insurance |
Average Cost of Car Insurance in Nebraska
Car insurance rates in Nebraska vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Nebraska Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $578 |
| Full Coverage | $1,568 |
Car Insurance Costs by Major Nebraska Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Omaha | $820 | $1,850 |
| Lincoln | $780 | $1,750 |
| Bellevue | $750 | $1,700 |
| Grand Island | $720 | $1,650 |
| Kearney | $710 | $1,600 |
| Fremont | $730 | $1,680 |
| Hastings | $700 | $1,580 |
| North Platte | $690 | $1,550 |
| Norfolk | $710 | $1,600 |
| Columbus | $720 | $1,630 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-19 Years | $3,500 – $5,500 | $6,500 – $8,500 |
| 20-24 Years | $1,800 – $2,700 | $3,800 – $5,200 |
| 25-34 Years | $1,200 – $1,800 | $2,800 – $3,800 |
| 35-44 Years | $1,000 – $1,500 | $2,500 – $3,500 |
| 45-54 Years | $950 – $1,400 | $2,300 – $3,200 |
| 55+ Years | $900 – $1,300 | $2,000 – $3,000 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Nebraska
Several factors influence car insurance rates in Nebraska, including:
- Severe Weather Risks: Nebraska is prone to tornadoes, hailstorms, and extreme winter weather, leading to higher claims.
- Driving Record: Accidents, DUIs, and traffic violations significantly impact premiums.
- Location: Urban areas like Omaha and Lincoln have higher rates due to congestion and crime.
- Credit Score: Nebraska insurers use credit history to determine premiums.
- Annual Mileage: More miles driven increases accident risk.
- Vehicle Type: High-performance and luxury vehicles cost more to insure.
- Uninsured Motorists: Nebraska has a significant percentage of uninsured drivers, increasing risks for insured motorists.
Best Car Insurance Companies in Nebraska (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,500 |
| State Farm | Best for Customer Service | $1,550 |
| Progressive | Best for High-Risk Drivers | $1,700 |
| Allstate | Best Full Coverage Options | $1,900 |
| USAA (Military Families) | Lowest Rates for Military | $1,450 |
Get a Free Car Insurance Quote with AtoZ Insurances!
Finding affordable car insurance in Nebraska is easier than ever. Compare multiple providers and get the best rates tailored to your needs.
✅ Compare quotes in minutes
✅ Unlock exclusive discounts
✅ Find the right coverage for you
💰 Don’t overpay! Get your FREE quote today with AtoZ Insurances!
FAQs
Nebraska law requires 25/50/25 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $25,000 for property damage.
The average minimum coverage costs around $48 per month, while full coverage averages $130 per month.
Smaller cities like North Platte and Kearney tend to have lower rates compared to Omaha and Lincoln.
Yes, Nebraska requires uninsured motorist coverage of at least $25,000 per person/$50,000 per accident.
Yes, but high-risk drivers may face higher premiums. Defensive driving courses and shopping around can help lower costs.
Sources
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.