Nebraska Auto Insurance Rates
Median premium: $680/6mo across 11 carriers and 620 ZIP codes.
Premiums range from $512 to $2,548 — a 5x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$680
per 6 months
ZIP Codes
620
with rate data
Carriers
11
rated in NE
Price Spread
5x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $490 | 620 ZIPs | 100% | |
| 2 | Shelter Insurance | $598 | 0 ZIPs | 0% | |
| 3 | Progressive | $619 | 0 ZIPs | 0% | |
| 4 | State Farm | $626 | 0 ZIPs | 0% | |
| 5 | American Family | $646 | 0 ZIPs | 0% | |
| 6 | Farmers | $680 | 0 ZIPs | 0% | |
| 7 | Nationwide | $748 | 0 ZIPs | 0% | |
| 8 | Travelers | $762 | 0 ZIPs | 0% | |
| 9 | Liberty Mutual | $782 | 0 ZIPs | 0% | |
| 10 | Allstate | $884 | 0 ZIPs | 0% | |
| 11 | GEICO | $1,057 | 0 ZIPs | 0% |
1
$490USAA#1 in 620 ZIPs (100%)
2
$598Shelter Insurance#1 in 0 ZIPs (0%)
3
$619Progressive#1 in 0 ZIPs (0%)
4
$626State Farm#1 in 0 ZIPs (0%)
5
$646American Family#1 in 0 ZIPs (0%)
6
$680Farmers#1 in 0 ZIPs (0%)
7
$748Nationwide#1 in 0 ZIPs (0%)
8
$762Travelers#1 in 0 ZIPs (0%)
9
$782Liberty Mutual#1 in 0 ZIPs (0%)
10
$884Allstate#1 in 0 ZIPs (0%)
11
$1,057GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Nebraska
| City | Avg Median | ZIPs |
|---|---|---|
| Arthur | $512 | 1 |
| Broadwater | $512 | 1 |
| Bushnell | $512 | 1 |
| Chappell | $512 | 1 |
| Dalton | $512 | 1 |
Most Expensive Cities in Nebraska
| City | Avg Median | ZIPs |
|---|---|---|
| Papillion | $1,183 | 2 |
| Boys Town | $1,127 | 1 |
| Omaha | $1,108 | 48 |
| Offutt Afb | $1,034 | 1 |
| St Columbans | $1,034 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,639/6mo
68155 (Omaha)
Cheapest ZIP
$512/6mo
69121 (Arthur)
5x
Price Spread
The most expensive ZIP in Nebraska costs 5x more than the cheapest. Your ZIP code matters more than you think.
Nebraska Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Nebraska
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Access ZIP-level rate data across all 11 carriers, 620 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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