Best Car Insurance in Nebraska for 2025 [Find the Top 10 Companies Here]

Allstate, Farmers, and Travelers are the best car insurance in Nebraska, with starting monthly rates of $15. Drivers in Nebraska prefer Allstate for its comprehensive coverage and 25% bundling discount. Farmers is known for its family plans tailored to Nebraska households, while Travelers offers unique discounts.

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Feb 15, 2025

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Top Pick in Nebraska: Allstate
3.8

Table of Contents

Company Facts

Full Coverage in Nebraska

$125/mo

A.M. Best Rating

A+

Complaint Level

High

Pros & Cons

  • Multiple add-on coverages
  • Strong financial stability
  • Widespread availability
  • High number of customer complaints
  • Expensive car insurance rates
Best Discounts in Nebraska: Travelers
4.4

Company Facts

Full Coverage in Nebraska

$130/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Competitive pricing for multi-policy discounts
  • Highly rated customer service and claims process
  • Nationwide availability with flexible policy options
  • Solid reputation for insuring high-risk drivers
  • Premium rates can increase without clear reason
  • Limited availability of local agents in certain regions
  • Slow response times reported by some customers

The best car insurance in Nebraska includes Allstate, Farmers, and Travelers, with beginning rates offered for as low as $15 per month. Allstate provides the best-tailored coverage for your needs.

Best Car Insurance in Nebraska: Allstate, Farmers, and Travelers

Moreover, Allstate ranked as the best provider for its plans covering households in Nebraska, while Travelers provides innovative discounts tailored to vehicle needs.

Our Top 10 Company Picks: Best Car Insurance in Nebraska

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
Allstate: Best Car Insurance in Nebraska#125%A+Comprehensive CoverageAllstate
Farmers: Best Car Insurance in Nebraska#220%AFamily PlansFarmers
Travelers: Best Car Insurance in Nebraska#313%A++Innovative DiscountsTravelers
Liberty Mutual: Best Car Insurance in Nebraska#425%ACustomizable PoliciesLiberty Mutual
American Family: Best Car Insurance in Nebraska#525%AFamily FocusAmerican Family
State Farm: Best Car Insurance in Nebraska#617%BWide AvailabilityState Farm
Progressive: Best Car Insurance in Nebraska#710%A+Technology IntegrationProgressive
Geico: Best Car Insurance in Nebraska#825%A++Competitive PricingGeico
Nationwide: Best Car Insurance in Nebraska#920%A+Strong FinancialsNationwide
USAA: Best Car Insurance in Nebraska#1010%A++Military FocusUSAA

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Explore our car insurance guide by entering your ZIP code and discover how these top providers can help you save big while providing solutions to your requirements and needs in Nebraska.

Can't-Miss Facts

  • The best car insurance in Nebraska are Allstate, Farmers, and Travelers
  • Allstate ranked first with its competitive rates for only $33 per month
  • Farmers and Travelers provides family plans and unique discounts

#1 – Allstate: Top Overall Pick

Allstate: Best Car Insurance in Nebraska

Pros

  • Generous Bundling Discount: Allstate offers a 25% discount when you bundle your auto and home insurance, making it the best pick for Nebraska drivers.
  • Comprehensive Coverage Options: This feature includes variety of car insurance coverage options like replacement for a new vehicle and accident forgiveness.
  • Strong Local Agent Network: Nebraska-based agents strengthen the support system by making customer assistance more accessible.

Cons

  • Higher Premium Costs: Allstate has a higher base rate, significantly to younger or high-risk drivers. Read more through our Allstate car insurance review.
  • Discounts Often Require Bundling: Best savings programs are only available when you bundle multiple policies.

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#2 – Farmers: Best for Family Plans

Farmers: Best Car Insurance in Nebraska

Pros

  • Family-Friendly Policies: Farmers offer multi-driver and multi-vehicle discounts, perfect for households and budget-conscious drivers in Nebraska.
  • Customer Support Personalization: The support system of Farmers is personalized to provide personal and face-to-face assistance, which many prefer.
  • Customizable Coverage Options: Residents in Nebraska can customize their premiums and policies tailored to what drivers are looking for.

Cons

  • Not the Most Affordable: Premiums offered can exceed the expected amount compared to the competitors.
  • Limited Digital Tools: Policy management and claims handling are less advanced than other providers. See details through our Farmers car insurance review.

#3 – Travelers: Best for Innovative Discounts

Travelers: Best Car Insurance in Nebraska

Pros

  • Green Vehicle Discounts: Lower rates are being offered for hybrid and electric vehicles, making it ideal for eco-conscious drivers.
  • Accident Forgiveness Option: After their first accident, Safe drivers can avoid an increase in premium. To view more, see our Travelers car insurance review.
  • Gap Insurance Availability: This helps drivers who finance or lease their vehicles to avoid out-of-pocket costs after a total loss.

Cons

  • Fewer Local Agents: Limited Nebraska-based agents may respond longer than expected for customer support
  • Less Bundling Flexibility: Provides fewer home and auto bundling options compared to other providers.

#4 – Liberty Mutual: Best for Customizable Policies

Liberty Mutual: Best Car Insurance in Nebraska

Pros

  • Extensive Customization: This allows drivers to adjust deductibles, add endorsements, and choose from a variety of rulings.
  • RightTrack Safe Driving Program: Usage-based discounts, particularly for safe drivers, help lower monthly rates.
  • Unique Coverage Add-ons: This features the replacement of your vehicle and a variety of deductible savings programs.

Cons

  • Higher Base Rates: By not availing of discounts, costs tend to be higher than other providers.
  • Customer Service Varies: Mixed reviews on claims processing and response time. See more details through our Liberty Mutual car insurance review.

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#5 – American Family: Best for Family Focus

American Family: Best Car Insurance in Nebraska

Pros

  • Family-Oriented Discounts: This is ideal for Nebraska families because it offers discounts for young drivers, good students, and multi-car savings.
  • Strong Financial Stability: The American Family has a high A.M. Best rating, which ensures reliability for claims payouts.
  • Local Nebraska Presence: Local agents in Nebraska provide direct and in-person support. Learn more through our American Family car insurance review.

Cons

  • Limited Availability Outside Nebraska: The limitation of policy availability in all states reduces its flexibility.
  • Discounts Require Additional Policies: Savings opportunities are tied to bundling with home or life insurance.

#6 – State Farm: Best for Wide Availability

State Farm: Best Car Insurance in Nebraska

Pros

  • Largest Agent Network: This provides the broadest reach in Nebraska, making it convenient for people in urban and rural areas.
  • Competitive Rates for Older Drivers: Offers the best premiums for married individuals with the age of more than 60 years old.
  • User-Friendly Mobile App: This features managing and reviewing your premiums efficiently and digitally processing documents.

Cons

  • Higher Rates for Younger Drivers: Young adult drivers and teenagers may face above-average premiums. Review more through our State Farm car insurance review.
  • Fewer Unique Discounts: This feature does not offer green vehicle incentives that lack specialty discounts.

#7 – Progressive: Best for Technology Integration

Progressive: Best Car Insurance in Nebraska

Pros

  • Snapshot Program for Usage-Based Savings: This feature rewards safe driving behavior with discounts.
  • Strong Digital Experience: The Progressive app and website offer detailed policy management tools. See further details through our Progressive car insurance review.
  • Competitive Multi-Car Discounts: This offers significant savings for households in Nebraska with multiple vehicles.

Cons

  • High Rates for High-Risk Drivers: Drivers with a history of accidents or road violations can experience sharply increasing rates.
  • Customer Service Inconsistency: Customers report mixed experiences, mostly in handling their claims.

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#8 – Geico: Best for Competitive Pricing

Geico: Best Car Insurance in Nebraska

Pros

  • Generally Lower Premiums: Geico is one of the providers that offer the most affordable base rates in Nebraska.
  • Good Student & Military Discounts: This provides extra discounts for service members and students.
  • Highly Rated Mobile App: The application simplifies claims, policy updates, and payments. See other rates through our Geico car insurance review.

Cons

  • Limited Local Agent Availability: Most features are online-based, which may not suit those who prefer face-to-face service.
  • Fewer Coverage Add-ons: This does not offer gap insurance, which lacks some optimal protections.

#9 – Nationwide: Best for Strong Financials

Nationwide: Best Car Insurance in Nebraska

Pros

  • Strong A.M. Best Rating: This is perfect for Nebraska drivers through its high financial stability, ensuring reliable claim payouts.
  • Vanishing Deductible Option: This feature reduces deductibles for safe drivers over time.
  • SmartRide Program: This monitors driving habits and rewards good behavior. See further details through our Nationwide car insurance review.

Cons

  • Limited Discounts for Young Drivers: This feature does not provide discounts for teen drivers.
  • Higher Rates for Urban Areas: Urban cities like Omaha may experience more expensive rates.

#10 – USAA: Best for Military Focus

USAA: Best Car Insurance in Nebraska

Pros

  • Lower Rates for Military Families: USAA consistently offers lower prices than competitors to service members.
  • High Customer Satisfaction: Customers are delighted with the excellent customer assistance and handling of their claims.
  • Exclusive Member Benefits: This offers perks like planning financially and banking special assistance services.

Cons

  • Limited to Military Members & Families: Special discounts are only offered to military members and not to the general public.
  • Fewer Physical Branches: Limited physical branches, primarily online-based. Learn more about this through our USAA car insurance review.

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Best Nebraska Auto Insurance Coverage and Rates

It’s essential to know as much as you can about a state’s different types of car insurance premiums. It’s equally important to be familiar with these types of coverage costs.

Nebraska Car Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Car Insurance in Nebraska$33$125
American Family: Best Car Insurance in Nebraska$30$112
Farmers: Best Car Insurance in Nebraska$35$130
Geico: Best Car Insurance in Nebraska$25$92
Liberty Mutual: Best Car Insurance in Nebraska$48$179
Nationwide: Best Car Insurance in Nebraska$20$77
Progressive: Best Car Insurance in Nebraska$25$95
State Farm: Best Car Insurance in Nebraska$18$69
Travelers: Best Car Insurance in Nebraska$27$102
USAA: Best Car Insurance in Nebraska$15$56

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After reading about the different types of insurance coverage and their rates, you’ll be able to select the best option for your needs within your price range.

Car Insurance Discounts From the Top Providers in Nebraska

Insurance CompanyAvailable Discounts
Allstate: Best Car Insurance in NebraskaMulti-Policy Discount, Safe Driver Discount, Anti-Theft Device Discount, New Car Discount
American Family: Best Car Insurance in NebraskaMulti-Policy Discount, Safe Driver Discount, Defensive Driving Course Discount, Good Student Discount
Farmers: Best Car Insurance in NebraskaMulti-Policy Discount, Safe Driver Discount, Good Student Discount, Alternative Fuel Discount
Geico: Best Car Insurance in NebraskaMulti-Policy Discount, Defensive Driving Discount, Good Student Discount, Military Discount
Liberty Mutual: Best Car Insurance in NebraskaMulti-Policy Discount, Good Student Discount, Anti-Theft Device Discount, New Car Discount
Nationwide: Best Car Insurance in NebraskaMulti-Policy Discount, Safe Driver Discount, Accident-Free Discount, Defensive Driving Discount
Progressive: Best Car Insurance in NebraskaMulti-Policy Discount, Snapshot Discount, Good Student Discount, Homeowner Discount
State Farm: Best Car Insurance in NebraskaMulti-Policy Discount, Safe Driver Discount, Defensive Driving Discount, Good Student Discount
Travelers: Best Car Insurance in NebraskaMulti-Policy Discount, Safe Driver Discount, Hybrid/Electric Vehicle Discount, New Car Discount
USAA: Best Car Insurance in NebraskaMulti-Policy Discount, Safe Driver Discount, Good Student Discount, Military Discount

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This guide will provide assistance when looking and shopping for the best car insurance coverage for your vehicle needs in Nebraska. Enter your ZIP code to see different insurance coverage and rates.

Minimum Car Insurance Coverage Requirements in Nebraska

Though there are many types of insurance coverage in Nebraska, there are certain requirements for minimum coverage that all drivers must have. Nebraska follows a 25/50/25 rule.

Allstate Site Screenshot: Best Car Insurance in Nebraska

This means that a driver in Nebraska must provide $25,000 in liability coverage for bodily injury or death of one person, an amount of $50,000 for total bodily injury or death per accident, and an amount of $25,000 for property damage per accident, all caused by the driver or owner of the vehicle insured.

Nebraska Auto Insurance Discounts

Insurance CompanyAnti-TheftBundlingGood DriverGood StudentUBI
Allstate: Nationwide Car Insurance Review15%25%20%15%10%
American Family: Nationwide Car Insurance Review10%29%10%15%20%
Farmers: Nationwide Car Insurance Review10%25%10%15%10%
Geico: Nationwide Car Insurance Review23%25%22%15%10%
Liberty Mutual: Nationwide Car Insurance Review15%30%10%15%30%
Nationwide: Nationwide Car Insurance Review10%20%10%15%10%
Progressive: Nationwide Car Insurance Review10%20%10%15%30%
State Farm TablePress Logo15%17%15%25%30%
Travelers: Nationwide Car Insurance Review10%15%10%15%20%
USAA: Nationwide Car Insurance Review20%10%30%15%15%

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These amounts will protect you and give you peace of mind whenever you drive in Nebraska. Enter your ZIP code to learn more about the different car insurance rates by state.

Factors Influencing Car Insurance Rates in Nebraska

Gender is a deciding factor in determining car insurance rates in Nebraska. In some states, this practice is illegal; however, in Nebraska, it is an important consideration for insurers.

According to this data, teen drivers are the most expensive to insure, especially male teen drivers. This is the case for most states. Allstate has the highest insurance costs for this category, especially for male teenagers.

Nebraska Auto Insurance Monthly Rates by Provider, Age, & Gender

Insurance CompanyAge: 17 FemaleAge: 17 MaleAge: 25 FemaleAge: 25 MaleAge: 35 FemaleAge: 35 MaleAge: 60 FemaleAge: 60 Male
Allstate: Nationwide Car Insurance Review$350$380$120$130$95$100$80$85
American Family: Nationwide Car Insurance Review$340$370$115$125$90$95$75$80
Farmers: Nationwide Car Insurance Review$330$360$110$120$85$90$70$75
Geico: Nationwide Car Insurance Review$340$370$115$125$90$95$75$80
Liberty Mutual: Nationwide Car Insurance Review$355$385$125$135$100$105$85$90
Nationwide: Nationwide Car Insurance Review$345$375$120$130$95$100$80$85
Progressive: Nationwide Car Insurance Review$330$360$110$120$85$90$70$75
State Farm TablePress Logo$325$355$105$115$80$85$65$70
Travelers: Nationwide Car Insurance Review$340$370$115$125$90$95$75$80
USAA: Nationwide Car Insurance Review$310$340$100$110$75$80$65$70

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The cheapest insurance rate is for married people over 60 with State Farm. You should also know that the quadrant data provided is based on the actual purchased coverage by the state population.

Best Car Insurance in Nebraska: Medical Payments Coverage Definition Card

This data includes rates for high-risk drivers and drivers who purchase more than their state minimum. The drivers also purchased other types of insurance, such as uninsured/underinsured insurance, PIP, and MedPay, which aren’t required by law.

Nebraska Accidents & Claims per Year by City

CityAccidents per YearClaims per Year
Bellevue1,000700
Grand Island800500
Kearney600400
Lincoln2,5001,800
Omaha5,0003,200

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This information will allow you to see how much car insurance costs in your specific part of the state. The cheapest ZIP code for car insurance is 68803, which is located in Grand Island.

Nebraska Report Card: Auto Insurance Premiums

CategoryGradeExplanation
Vehicle Theft RateALow vehicle theft rate compared to national averages.
Average Claim Size B+Moderate claim size, with weather and collision claims being common.
Weather-Related RiskBModerate risk from storms and winter conditions.
Traffic DensityCLower traffic density compared to larger states.
Uninsured Drivers RateCSlightly higher uninsured driver rate compared to the national average.

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The most affordable company overall is USAA, and the most expensive is Safeco. Next, let’s see which ZIP codes are the most costly. As you can see, the ZIP code with the most expensive insurance is 68111, located in Omaha, Nebraska. Enter your ZIP code to see more.

Read more: Different Types of Car Insurance Coverage

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Best Car Insurance Companies in Nebraska

Seeking the best car insurance in Nebraska can help you save a lot while ensuring you get the best and authentic coverage tailored to your car requirements. This car insurance assistance highlights the top and best companies, including Allstate, Farmers, and Travelers, known for their budget-friendly rates and innovative saving programs.

When searching for the best car insurance, don't just focus on price—consider the coverage that fits your needs. Look for policies that provide adequate liability limits, comprehensive and collision options, and valuable discounts, such as bundling home and auto insurance.

Kristine Lee Licensed Insurance Agent

Whether you’re looking for comprehensive premium, family-friendly plans, or special discounts, our comparison tool and car insurance guide make finding the best option for your budget easy. Please keep reading to explore our top picks and get free car insurance quotes today by entering your ZIP code.

Read more: Driving Tips Archive

Frequently Asked Questions

Which car insurance provider in Nebraska offers the best bundling discounts, and how much can policyholders save?

Allstate offers a bundling discount of 25%, making it one of the best options for combining home and auto insurance to maximize savings.

What makes Farmers a strong choice for families, and how do its multi-car and young driver discounts compare to other providers?

Farmers provide family-friendly plans with multi-car and young driver discounts, making it ideal for Nebraska households needing tailored coverage. Learn more about Farmers by entering your ZIP code.

How does Travelers’ green vehicle discount work, and what types of cars qualify for savings?

Travelers offer a green vehicle or “eco-friendly” discount for hybrid and electric cars, helping eco-conscious drivers lower their premiums.

Read more: How the States Rank on Uninsured Drivers

Why is Liberty Mutual considered one of the most customizable insurance providers in Nebraska, and what unique add-ons does it offer?

Liberty Mutual allows extensive policy customization, offering unique add-ons like better car replacement and deductible savings programs.

How does American Family’s local presence in Nebraska benefit policyholders in terms of customer service and claims support?

American Family’s strong local presence in Nebraska ensures policyholders receive personalized customer service and claims support. Know more about claims support by entering your ZIP code below.

What makes State Farm’s Drive Safe & Save™ program beneficial for Nebraska drivers, and how much can they save on average?

State Farm’s Drive Safe & Save™ program rewards safe drivers with discounts based on monitored driving habits, potentially saving them up to 30%. Read the guide above to understand more of the car maintenance expenses.

What are the potential downsides of Progressive’s Snapshot® usage-based program, and why might some drivers see their rates increase?

Progressive’s Snapshot® program can increase rates for drivers with inconsistent braking, high-speed habits, or late-night driving patterns.

Why is Geico considered one of the most affordable insurance providers in Nebraska, and what discounts contribute to its lower rates?

Geico remains among the most affordable options due to its competitive base rates and extensive discounts, including military and good student savings. Save now by entering your ZIP code.

How does Nationwide’s Vanishing Deductible program work, and how can safe drivers in Nebraska benefit from it?

Nationwide’s Vanishing Deductible program reduces deductibles over time, rewarding policyholders for each year of safe driving.

What exclusive benefits does USAA provide for military members and their families, and how does it compare to non-military insurance providers?

USAA provides exclusive benefits like banking services and superior claims handling, but its coverage is limited to military members and their families.

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