Nebraska Car Insurance: Affordable Coverage in the Heartland
Cheap insurance meets tornado alley—here's what Cornhuskers need to know.
Nebraska Quick Facts
🤯 The Nebraska Mindblower
Nebraska is part of "Tornado Alley" and ranks in the top 10 for severe hail damage. Yet car insurance remains cheap because of low population density and traffic congestion. The catch: comprehensive coverage is non-negotiable—one hailstorm can total your vehicle.
Nebraska Minimum Insurance Requirements
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Per injured person |
| Bodily Injury (per accident) | $50,000 | Total per accident |
| Property Damage | $25,000 | Damage to other vehicles |
| Uninsured/Underinsured Motorist | $25,000/$50,000 | Mandatory |
Good news: Nebraska requires UM/UIM coverage. You're automatically protected from uninsured drivers.
Average Car Insurance Costs in Nebraska
| Coverage Level | Annual Premium | Monthly Cost |
|---|---|---|
| State Minimum | $398 | $33 |
| Full Coverage | $1,380 | $115 |
Costs by Nebraska City
| City | Avg. Annual Premium | vs. State Avg. |
|---|---|---|
| Omaha | $1,580 | +14% |
| Lincoln | $1,420 | +3% |
| Grand Island | $1,320 | -4% |
| North Platte | $1,240 | -10% |
| Rural Nebraska | $1,180 | -14% |
Nebraska-Specific Considerations
Tornado Alley & Hail
Nebraska averages 50+ tornadoes and countless hailstorms annually. Comprehensive coverage is essential—hail damage claims are common and expensive.
Modified Comparative Fault (50%)
You can recover damages if you're 49% or less at fault. At 50%+, you recover nothing. Nebraska uses the stricter 50% bar (not 51%).
Wildlife Collisions
Deer collisions are common on rural highways. Comprehensive coverage handles animal strikes.
Winter Driving
Nebraska winters bring blizzards and icy roads. Single-vehicle winter accidents need collision coverage.
Top Car Insurance Companies in Nebraska
State Farm
Largest insurer in Nebraska. Strong agent network statewide.
GEICO
Often cheapest rates. Online service.
Farmers Mutual of Nebraska
Local mutual company. Understands Nebraska weather risks.
American Family
Strong Midwest presence. Good bundling options.
Bottom Line: Nebraska Car Insurance
Nebraska offers affordable car insurance, but don't skip comprehensive coverage. Tornado Alley weather makes it essential, not optional.
Shop State Farm, GEICO, and Farmers Mutual of Nebraska (local). Omaha has the highest rates; western Nebraska is cheapest.