The Cheapest Car Insurance in Nebraska for 2022

Auto insurance is an important purchase, but finding cheap car insurance in Nebraska isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Nebraska is $1,424 per year, or about $119 per month, according to NerdWallet’s analysis. Minimum coverage in Nebraska is $349 per year on average, but we found you can likely get a cheaper policy. For example, EMC offers the cheapest rates in Nebraska at $189 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

» MORE: The cheapest car insurance in Omaha

NerdWallet’s editorial team analyzed car insurance rates from 14 auto insurers in Nebraska and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Nebraska. For full coverage, we used the below coverage limits:

• $100,000 bodily injury liability per person.

• $300,000 bodily injury liability per accident.

• $50,000 property damage liability per accident.

• $100,000 uninsured motorist coverage per person.

• $300,000 uninsured motorist coverage per accident.

• Collision coverage with a $1,000 deductible.

• Comprehensive coverage with a $1,000 deductible.

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Nebraska for 20-year-olds

Drivers in Nebraska with clean driving records may wat to consider the following companies, which had the lowest average rates:

1. Farmers Mutual of Nebraska: $1,738 per year, or about $145 per month.

2. Farm Bureau Financial Services: $1,949 per year, or about $162 per month.

3. Auto-Owners: $2,145 per year, or about $179 per month.

4. IMT: $2,149 per year, or about $179 per month.

5. Nationwide: $2,154 per year, or about $180 per month.

Cheapest minimum coverage car insurance in Nebraska for 20-year-olds

Drivers in Nebraska who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

1. North Star: $410 per year, or about $34 per month.

2. Farmers Mutual of Nebraska: $411 per year, or about $34 per month.

3. EMC: $419 per year, or about $35 per month.

4. Auto-Owners: $493 per year, or about $41 per month.

5. Farm Bureau Financial Services: $716 per year, or about $60 per month.

Cheapest auto insurance in Nebraska for 20-year-olds with poor credit

Drivers with poor credit in Nebraska should look at the following insurers with the lowest average rates for minimum coverage:

1. Farmers Mutual of Nebraska: $593 per year, or about $49 per month.

2. EMC: $633 per year, or about $53 per month.

3. North Star: $678 per year, or about $56 per month.

4. Allstate: $901 per year, or about $75 per month.

5. IMT: $1,050 per year, or about $88 per month.

Cheapest auto insurance in Nebraska for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Nebraska, here are the companies with the lowest average rates for minimum coverage:

1. EMC: $461 per year, or about $38 per month.

2. Farmers Mutual of Nebraska: $498 per year, or about $42 per month.

3. North Star: $624 per year, or about $52 per month.

4. Auto-Owners: $667 per year, or about $56 per month.

5. Nationwide: $944 per year, or about $79 per month.

Cheapest auto insurance in Nebraska for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

1. EMC: $451 per year, or about $38 per month.

2. Farmers Mutual of Nebraska: $817 per year, or about $68 per month.

3. Allstate: $922 per year, or about $77 per month.

4. Progressive: $946 per year, or about $79 per month.

5. North Star: $966 per year, or about $80 per month.

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Nebraska for 30-year-olds

Drivers in Nebraska with clean driving records may get the lowest rates from these companies:

1. Nationwide: $916 per year, or about $76 per month.

2. Auto-Owners: $1,028 per year, or about $86 per month.

3. Farmers Mutual of Nebraska: $1,060 per year, or about $88 per month.

4. Farm Bureau Financial Services: $1,091 per year, or about $91 per month.

5. North Star: $1,319 per year, or about $110 per month.

Cheapest minimum coverage car insurance in Nebraska for 30-year-olds

Drivers in Nebraska who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

1. Auto-Owners: $187 per year, or about $16 per month.

2. North Star: $195 per year, or about $16 per month.

3. EMC: $217 per year, or about $18 per month.

4. Farmers Mutual of Nebraska: $218 per year, or about $18 per month.

5. Farm Bureau Financial Services: $275 per year, or about $23 per month.

Cheapest auto insurance in Nebraska for 30-year-olds with poor credit

Drivers with poor credit in Nebraska should consider the following companies with the lowest average rates for full coverage:

1. Nationwide: $1,290 per year, or about $108 per month.

2. Farmers Mutual of Nebraska: $1,532 per year, or about $128 per month.

3. EMC: $1,966 per year, or about $164 per month.

4. IMT: $1,993 per year, or about $166 per month.

5. Farm Bureau Financial Services: $2,005 per year, or about $167 per month.

Cheapest auto insurance in Nebraska for 30-year-old drivers with one at-fault crash

For drivers in Nebraska with a recent accident, here are the lowest average rate options for full coverage:

1. Farmers Mutual of Nebraska: $1,291 per year, or about $108 per month.

2. Auto-Owners: $1,447 per year, or about $121 per month.

3. Nationwide: $1,535 per year, or about $128 per month.

4. EMC: $1,555 per year, or about $130 per month.

5. Farm Bureau Financial Services: $1,720 per year, or about $143 per month.

Cheapest auto insurance in Nebraska for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

1. EMC: $1,557 per year, or about $130 per month.

2. Farm Bureau Financial Services: $1,687 per year, or about $141 per month.

3. Nationwide: $1,800 per year, or about $150 per month.

4. Auto-Owners: $1,930 per year, or about $161 per month.

5. Progressive: $1,941 per year, or about $162 per month.

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Nebraska for 40-year-olds

Drivers in Nebraska with clean driving records may want to think about the following companies, which had the lowest average rates:

1. Nationwide: $887 per year, or about $74 per month.

2. Farmers Mutual of Nebraska: $967 per year, or about $81 per month.

3. Auto-Owners: $999 per year, or about $83 per month.

4. Farm Bureau Financial Services: $1,094 per year, or about $91 per month.

5. EMC: $1,221 per year, or about $102 per month.

Cheapest minimum coverage car insurance in Nebraska for 40-year-olds

Drivers in Nebraska who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

1. EMC: $181 per year, or about $15 per month.

2. North Star: $195 per year, or about $16 per month.

3. Auto-Owners: $197 per year, or about $16 per month.

4. Farmers Mutual of Nebraska: $203 per year, or about $17 per month.

5. Farm Bureau Financial Services: $283 per year, or about $24 per month.

Cheapest auto insurance in Nebraska for 40-year-olds with poor credit

Drivers with poor credit in Nebraska can check out the following insurers with the lowest average rates for full coverage:

1. Nationwide: $1,249 per year, or about $104 per month.

2. Farmers Mutual of Nebraska: $1,398 per year, or about $116 per month.

3. EMC: $1,697 per year, or about $141 per month.

4. IMT: $1,857 per year, or about $155 per month.

5. Farm Bureau Financial Services: $2,053 per year, or about $171 per month.

Cheapest auto insurance in Nebraska for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Nebraska, here are the companies with the lowest average rates for full coverage:

1. Farmers Mutual of Nebraska: $1,178 per year, or about $98 per month.

2. EMC: $1,346 per year, or about $112 per month.

3. Auto-Owners: $1,410 per year, or about $118 per month.

4. Nationwide: $1,502 per year, or about $125 per month.

5. Farm Bureau Financial Services: $1,725 per year, or about $144 per month.

Cheapest auto insurance in Nebraska for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

1. EMC: $1,355 per year, or about $113 per month.

2. Farm Bureau Financial Services: $1,691 per year, or about $141 per month.

3. Progressive: $1,776 per year, or about $148 per month.

4. Nationwide: $1,777 per year, or about $148 per month.

5. Auto-Owners: $1,894 per year, or about $158 per month.

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Nebraska for 50-year-olds

Drivers in Nebraska with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

1. Nationwide: $821 per year, or about $68 per month.

2. Farmers Mutual of Nebraska: $887 per year, or about $74 per month.

3. Auto-Owners: $930 per year, or about $78 per month.

4. Farm Bureau Financial Services: $985 per year, or about $82 per month.

5. EMC: $1,088 per year, or about $91 per month.

Cheapest minimum coverage car insurance in Nebraska for 50-year-olds

Drivers in Nebraska who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

1. EMC: $165 per year, or about $14 per month.

2. North Star: $172 per year, or about $14 per month.

3. Auto-Owners: $188 per year, or about $16 per month.

4. Farmers Mutual of Nebraska: $191 per year, or about $16 per month.

5. Farm Bureau Financial Services: $246 per year, or about $20 per month.

Cheapest auto insurance in Nebraska for 50-year-olds with poor credit

Drivers with poor credit in Nebraska can check with the following companies, which showed the lowest average rates for full coverage:

1. Nationwide: $1,151 per year, or about $96 per month.

2. Farmers Mutual of Nebraska: $1,283 per year, or about $107 per month.

3. EMC: $1,516 per year, or about $126 per month.

4. IMT: $1,777 per year, or about $148 per month.

5. Farm Bureau Financial Services: $1,841 per year, or about $153 per month.

Cheapest auto insurance in Nebraska for 50-year-old drivers with one at-fault crash

For drivers living in Nebraska with a recent accident, here are the insurers with the lowest average full coverage rates:

1. Farmers Mutual of Nebraska: $1,081 per year, or about $90 per month.

2. EMC: $1,198 per year, or about $100 per month.

3. Auto-Owners: $1,311 per year, or about $109 per month.

4. Nationwide: $1,411 per year, or about $118 per month.

5. Farm Bureau Financial Services: $1,553 per year, or about $129 per month.

Cheapest auto insurance in Nebraska for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

1. EMC: $1,212 per year, or about $101 per month.

2. Farm Bureau Financial Services: $1,523 per year, or about $127 per month.

3. Progressive: $1,613 per year, or about $134 per month.

4. Nationwide: $1,694 per year, or about $141 per month.

5. Auto-Owners: $1,757 per year, or about $146 per month.

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Nebraska for 60-year-olds

Drivers in Nebraska with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. Nationwide: $758 per year, or about $63 per month.

2. Farmers Mutual of Nebraska: $790 per year, or about $66 per month.

3. Auto-Owners: $873 per year, or about $73 per month.

4. Farm Bureau Financial Services: $966 per year, or about $80 per month.

5. EMC: $1,017 per year, or about $85 per month.

Cheapest minimum coverage car insurance in Nebraska for 60-year-olds

Drivers in Nebraska who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. EMC: $160 per year, or about $13 per month.

2. North Star: $172 per year, or about $14 per month.

3. Farmers Mutual of Nebraska: $176 per year, or about $15 per month.

4. Auto-Owners: $190 per year, or about $16 per month.

5. Farm Bureau Financial Services: $248 per year, or about $21 per month.

Cheapest auto insurance in Nebraska for 60-year-olds with poor credit

Drivers with poor credit in Nebraska can look at the following companies with the lowest average rates for full coverage:

1. Nationwide: $1,058 per year, or about $88 per month.

2. Farmers Mutual of Nebraska: $1,143 per year, or about $95 per month.

3. EMC: $1,423 per year, or about $119 per month.

4. IMT: $1,710 per year, or about $142 per month.

5. Farm Bureau Financial Services: $1,806 per year, or about $150 per month.

Cheapest auto insurance in Nebraska for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Nebraska, here are the companies with the lowest average rates for full coverage:

1. Farmers Mutual of Nebraska: $964 per year, or about $80 per month.

2. EMC: $1,120 per year, or about $93 per month.

3. Auto-Owners: $1,234 per year, or about $103 per month.

4. Nationwide: $1,324 per year, or about $110 per month.

5. Farm Bureau Financial Services: $1,522 per year, or about $127 per month.

Cheapest auto insurance in Nebraska for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. EMC: $1,136 per year, or about $95 per month.

2. Farm Bureau Financial Services: $1,492 per year, or about $124 per month.

3. Progressive: $1,542 per year, or about $128 per month.

4. Farmers Mutual of Nebraska: $1,574 per year, or about $131 per month.

5. Nationwide: $1,615 per year, or about $135 per month.

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 40 of the 48 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Nebraska drivers must carry liability insurance and uninsured/underinsured motorist bodily injury coverage in the following amounts:

• $25,000 bodily injury liability coverage per person.

• $50,000 bodily injury liability coverage per crash.

• $25,000 property damage liability coverage per crash.

• $25,000 uninsured/underinsured motorist bodily injury coverage per person.

• $50,000 uninsured/underinsured motorist bodily injury coverage per crash.

Because damages stemming from a crash could exceed the above limits, consider buying more than the bare minimum. You might also want common add-ons such as collision or comprehensive coverage, which pay for damage to your own car.

Check out NerdWallet's guide to car insurance requirements by state for a better understanding of the coverages in your Nebraska auto policy.

If you’re having trouble getting car insurance because of a bad driving record, poor credit or other factors, you can seek coverage through the Nebraska Automobile Insurance Plan.

For more help finding cheap car insurance in Nebraska, try our car insurance comparison tool.