Cheap Nebraska Auto Insurance for 2024

Nebraska minimum auto insurance requirements are 25/50/25 for bodily injury and property damage coverage and 25/50 for uninsured motorist coverage. The average cost of Nebraska auto insurance is $97 per month. To find cheap Nebraska auto insurance, compare rates from multiple companies.

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Tim Bain

Licensed Insurance Agent

Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Licensed Insurance Agent

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

UPDATED: Jul 11, 2023

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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What You Should Know

  • Nebraska minimum car insurance requirements are 25/50/25 for bodily injury and property damage coverage
  • The average car insurance rates in Nebraska are $97 per month
  • Nebraska operates under the tort insurance system

Nebraska has a lot of open roads winding through its many cornfields, and if you are on them, you need insurance. Nebraska auto insurance laws require a minimum amount of coverage for all drivers.

Understanding auto insurance and how it works can help you to buy Nebraska auto insurance with confidence, and we have everything you need to know. Read on for laws, Nebraska car insurance rates, and more.

If you want to find cheap Nebraska auto insurance right now, just enter your ZIP code to compare quotes from top companies.

Nebraska Auto Insurance Laws And Minimums

In Nebraska, the state liability coverage minimums are:

  • Bodily injury liability coverage – $25,000 per person
  • Bodily injury liability coverage – $50,000 per accident
  • Property damage liability coverage – $25,000 per accident

Uninsured motorist coverage minimums in Nebraska are:

  • Bodily injury coverage – $25,000 per person
  • Bodily injury coverage – $50,000 per accident

Optional coverage to add to your policy in Nebraska include:

Nebraska operates its auto insurance laws under the tort system, which the majority of states follow in some form or another. The main feature of this system is that when an accident occurs, one of the drivers or parties involved will be labeled the at-fault party. It is this person’s auto insurance that will pay out associated injury and property damage claims, and this driver will be the one subject to any subsequent legal action.

Drivers in the state are required to purchase a minimum amount of coverage in two different auto insurance policies. Bodily injury liability insurance covers the medical treatment, rehabilitation, lost wages, and other injury-related costs for the other drivers, passengers, and pedestrians in an accident where the policyholder is the at-fault party.

This means that your BIL coverage doesn’t pay your own costs but the costs of others when you cause an accident. Drivers must have coverage of at least $25,000 per party per accident and $50,000 for all parties in a single accident.

Property damage liability insurance works much the same, except as the name implies, this coverage is targeted at property damage that results from an accident that you are at fault for causing. Again, this insurance does not cover the policyholder or any of their property.

For example, if Driver A causes a collision with Driver B and does $5,000 in body damage to their automobile, Driver A’s Property Damage Liability insurance will pay out to cover these costs. Drivers must have a minimum of $25,000 in coverage according to Nebraska auto insurance laws.

In addition, Nebraska drivers will need uninsured motorist coverage, which protects against damages from uninsured or under-insured drivers. The state minimums for this coverage type are $25,000 in bodily injury coverage per person and $50,000 in bodily injury coverage per accident.

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Average Auto Insurance Rates In Nebraska

Thanks to its lower population and distance from coastal shipping areas which are used to transport stolen automobiles out of the country, drivers in Nebraska enjoy auto insurance prices that are considerably lower than the national average of $1,440 per year. As of August 2011, drivers in Nebraska are looking at a statewide average of just $1,158 for a year of auto insurance, which is under $100 per month and very reasonable.

Those who live in Nebraska’s major cities will pay slightly higher rates; drivers in Lincoln are looking at $1,192 per year, and those in Omaha will pay an average of $1,440.

Let’s take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

Nebraska Auto Insurance Rates by Company

But which companies are the largest, holding the most market share percentage in the region?

Nebraska Driving Statistics

Unfortunately, Nebraska was one of the only states that saw an increase in vehicle crashes for the most recent years in which data are available. Thankfully, the increase was minuscule and can be considered almost flat when looking at trends.

In 2009, the state saw a total of 34,665 crashes, with 17,775 people injured and 223 fatalities resulting from these accidents. These numbers compare to 2008’s totals of 34,604 crashes, 17,799 injuries, and 208 fatalities. Nebraska’s Department of Roads is committed to reducing these numbers, and with time it’s likely that the totals will fall further.

News is a bit better when considering auto theft statistics across the state. In 2009, just 3,481 vehicles were reported stolen; this represents a rate of 193.8 vehicles per 100,000 citizens and helped Nebraska rank 31st in the country for instances of auto theft.

These numbers are a major improvement over 2008, when the state saw 4,223 vehicles stolen, a rate of 237 vehicles per 100,000 citizens, and a national ranking of 28th highest. For comparison, the state of Nebraska is the 38th largest state in the country by population.

This is most likely the short-term goal of lawmakers and law enforcement as they work to bring down the state’s auto theft numbers. As this number comes down, auto insurance premiums will also fall as the risk of auto theft that insurers have to make up for declines.

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Getting An Insurance Quote In Nebraska wants to make finding the best prices for Nebraska auto insurance simple, and we’ve built an excellent tool right into this web page that can help.

A price comparison tool will allow you to compare rates from multiple Nebraska auto insurance companies at once, so you can find the best car insurance in Nebraska for your needs.

Nebraska Auto Insurance Agents

If you’re looking for an auto insurance agent, check out the list below.

Nebraska Auto Insurance Agents

Additional Nebraska Auto Insurance Resources

Below you’ll find official resources for Nebraska insurance and driver licensing.

Compare Nebraska auto insurance quotes today. Just enter your ZIP code below to get started.

Frequently Asked Questions

What are the minimum requirements for auto insurance in Nebraska?

In Nebraska, the minimum auto insurance requirements are 25/50/25 for bodily injury and property damage coverage and 25/50 for uninsured motorist coverage.

What is the average cost of auto insurance in Nebraska?

The average auto insurance rates in Nebraska are $96.50 per month or $1,158 per year.

How can I find the best car insurance companies in Nebraska?

To find the best auto insurance companies in Nebraska, it is recommended to compare rates from multiple companies before making a purchase.

What additional coverage options can I add to my Nebraska auto insurance policy?

In Nebraska, you have the option to add additional coverage such as comprehensive coverage, collision coverage, and personal injury protection (PIP) to your auto insurance policy.

How can I get an insurance quote for auto insurance in Nebraska?

You can get auto insurance quotes in Nebraska by using a price comparison tool that allows you to compare rates from multiple insurance companies.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

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