Ranked #39 of 51 by Cost
2026 Nebraska Car Insurance Calculator
Estimate your monthly premium based on The Cornhusker State averages
Rate Calculator
Local insurance tip
Nebraska is an at-fault state with no PIP requirement, but medical costs after a serious accident can be substantial. Adding Medical Payments (MedPay) coverage — which pays your medical bills regardless of fault at a relatively low cost — is one of the most practical optional coverages for Nebraska drivers who lack robust health insurance.
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| NE minimum | $80 | Legal bare minimum (liability only) |
| Standard liability | $128 | High Liability, no physical damage |
| Full coverage | $171 | Comprehensive ($500 ded.) |
| Premium protection | $233 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $504 |
| 20-24 | High | $282 |
| 25-54 | Standard | $171 |
| 55-69 | Low | $162 |
| 70+ | Moderate | $214 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $171 |
| Speeding Ticket | Moderate | $209 |
| At-Fault Accident | High | $253 |
| DUI / DWI | Very high | $487 |
Nebraska Snapshot · July 2026
$171/mo
State avg (-30% US AVG)
#39
National Rank
40%
County Spread
Rate by Neighboring States (7)
State Insight
Nebraska is among the most affordable of its neighbors. Wyoming is the only neighbor cheaper. Colorado is the most expensive neighbor by a dramatic margin, its Front Range hail corridor pushing it well above Nebraska. Missouri and Kansas both sit moderately above Nebraska, while Iowa and South Dakota are the closest neighbors in cost.
Rate by Cities (Top 10)
Compared to NE avg ($171)
City Insight
Lincoln is notably cheaper than Omaha despite being the state capital and second largest city. Fremont is the most affordable major city. North Platte sits above the state average, its position along I-80 and higher commercial vehicle traffic pushing rates above what other mid-sized Nebraska cities pay.
Rate by Counties (93)
Compared to NE avg ($171)
County Insight
Douglas County anchors the high-rate tier as home to Omaha, though its rates are modest by national standards for a metro county. The southwest corner counties (Hayes, Dundy and Chase) are the most expensive rural counties, reflecting sparse emergency response infrastructure and higher uninsured driver exposure along the Colorado and Kansas borders. Lancaster County is notably affordable for a county containing the state capital.
What Every Nebraska Driver Needs To Know
What are the minimum car insurance requirements in NE for 2026?
Nebraska requires 25/50/25 minimums: $25,000 bodily injury per person, $50,000 per accident and $25,000 for property damage. Nebraska is an at-fault state and does not require PIP or Uninsured Motorist coverage, though both are available and recommended.
Does Nebraska require Uninsured Motorist coverage?
No, UM/UIM is optional in Nebraska, but insurers must offer it. Nebraska's uninsured driver rate is moderate compared to neighboring states, but rural accidents involving uninsured out-of-state drivers on I-80, a major transcontinental corridor, are not uncommon. UM coverage provides a practical safety net at modest cost.
How does severe weather affect Nebraska auto insurance?
Nebraska sits in a active hail and tornado corridor and comprehensive claims from storm damage are a significant cost driver for Nebraska insurers, particularly in the Omaha and Lincoln metros. The state also has one of the highest deer collision rates in the country, making comprehensive coverage doubly valuable for rural drivers who regularly travel two-lane state highways at dawn and dusk.
What are the penalties for driving uninsured in Nebraska?
Driving without insurance in Nebraska results in a fine, license suspension and an SR-22 filing requirement for one year. Nebraska uses an electronic insurance verification system and officers can confirm coverage during traffic stops. Reinstatement after a suspension requires proof of current insurance and payment of a reinstatement fee.
Sources: Nebraska DMV