How much is car insurance in Nebraska?
Car insurance in Nebraska cost an average of $1,184 a year for full coverage in 2023 (NAIC), sitting 18% below the $1,439 national average and coming to about $1,400 a year in Nebraska today (about $115 a month in August 2026 dollars). In Nebraska, the law asks for at least 25/50/25 liability, while Nebraska liability-only policies—the closest NAIC figure to minimum coverage—averaged $484 in 2023 (about $570 today).
Average car insurance cost in Nebraska: 18% below the US average
Typical Nebraska full-coverage price today
about $1,400 a year in Nebraska (about $115 a month)
Nebraska's 2023 NAIC full-coverage average ($1,184) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your Nebraska rate depends on your car, driving history, and coverage limits.
That $1,184 2023 full-coverage figure makes Nebraska the 15th least expensive of the 50 states and DC (tied with Montana) (against $1,439 nationally), with 41% going to liability ($484, 14th lowest in the US) and 59% covering physical damage to your own vehicle. NAIC also tracks Nebraska's average expenditure per insured vehicle—$981 in 2023 (15th lowest in the US, or about $1,160 today)—which sits 17% ($203) below Nebraska's full-coverage average because many Nebraska drivers drop collision or comprehensive on older cars.
How Nebraska compares with Colorado, Iowa, Kansas, and 3 more bordering states
A typical policy in Nebraska ($1,184 in 2023) costs more than in Iowa, Kansas, South Dakota, and Wyoming and less than in Colorado and Missouri. Among Nebraska's neighbors, Iowa had the lowest 2023 average ($1,010, moving to Nebraska is about $230 more a year) and Colorado had the highest ($1,655, moving to Nebraska is about $630 less a year).
| State | 2023 average | Moving to Nebraska from there |
|---|---|---|
| Nebraska | $1,184 | Current state (Nebraska) |
| Colorado | $1,655 | About $630 less a year |
| Iowa | $1,010 | About $230 more a year |
| Kansas | $1,182 | About the same |
| Missouri | $1,323 | About $190 less a year |
| South Dakota | $1,158 | About the same |
| Wyoming | $1,180 | About the same |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Montana ($1,184 in 2023, about $1,400 today), Kentucky ($1,208 in 2023, about $1,430 today), Tennessee ($1,212 in 2023, about $1,440 today), and Minnesota ($1,223 in 2023, about $1,450 today).
Nebraska: 25/50/25 minimums, with mandatory uninsured-motorist coverage
- Nebraska liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Nebraska
- Not required
- Medical payments in Nebraska
- Not required
- No-fault system in Nebraska
- No
- Uninsured motorist in Nebraska
- Required
- Underinsured motorist in Nebraska
- Required
Set by Neb. Rev. Stat. 60-310, Nebraska's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Nebraska, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Nebraska—the closest NAIC figure to what a Nebraska minimum policy costs—averaged $484 in 2023 (about $570 in Nebraska today), the 14th lowest of the 50 states and DC. That makes liability 41% of Nebraska's full-coverage average ($1,184), while the remaining 59% goes toward collision and comprehensive coverage for your own car.
Nebraska requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Every policy must also include uninsured and underinsured motorist coverage of at least $25,000/$50,000; there is no written opt-out in the statute.
What we couldn’t confirm: We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Uninsured and underinsured motorist
- Uninsured and underinsured motorist coverage are each at least $25,000 per person and $50,000 per crash for injuries. If you ask in writing, your insurer must provide more, up to $100,000/$300,000.
- History and recent checks
- No 2024-2026 change found; current text of Neb. Rev. Stat. 60-310 and 44-6408 as published by the Nebraska Legislature.
- Checked
- September 22, 2026
- Sources
- Neb. Rev. Stat. 60-310
in the amount of twenty-five thousand dollars because of bodily injury to or death of one person ... fifty thousand dollars ... twenty-five thousand dollars because of injury to or destruction of property
- Neb. Rev. Stat. 60-3,167
without having a current and effective automobile liability policy, evidence of insurance, or proof of financial responsibility
- Neb. Rev. Stat. 44-6408
No policy ... shall be delivered, issued for delivery, or renewed ... unless coverage is provided ... (a) ... uninsured motor vehicle in limits of twenty-five thousand dollars ... and (b) ... underinsured motor vehicle
- Neb. Rev. Stat. 60-310
Adding a 16-year-old driver in Nebraska: about $930 more a year
Adding a 16-year-old to a Nebraska policy
about $930 more a year
About $80 a month (+66% over a typical Nebraska adult policy of $1,400), bringing the combined Nebraska family policy to roughly $1,750–$3,100 a year.
On a separate Nebraska policy of their own with the same car, a 16-year-old in Nebraska would pay about $4,030 a year (roughly $3,050–$5,750), so sharing a parent's Nebraska policy saves about $3,100 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Nebraska's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Nebraska
In Nebraska, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $830 more a year on a Nebraska policy, versus about $1,390 more a year for the 2022 Tesla Model 3 at the top of Nebraska's list.
| 2022 model | Added to a Nebraska policy | Own Nebraska policy |
|---|---|---|
| 2022 Subaru Forester | +$830 in Nebraska | $3,590 in Nebraska |
| 2022 Subaru Outback | +$830 in Nebraska | $3,600 in Nebraska |
| 2022 Subaru Crosstrek | +$830 in Nebraska | $3,620 in Nebraska |
| 2022 Honda CR-V | +$890 in Nebraska | $3,870 in Nebraska |
| 2022 Toyota RAV4 | +$900 in Nebraska | $3,930 in Nebraska |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Nebraska
In Nebraska, a 45-year-old with full coverage pays from about $1,460 a year for a 2024 Honda Ridgeline to about $1,660 for a 2024 Jeep Gladiator on these Nebraska sample models.
| Car | 45-year-old in Nebraska | Adding a teen in Nebraska |
|---|---|---|
| 2024 Toyota Tundra | about $1,580 a year | +$1,040 a year |
| 2024 Ford Ranger | about $1,530 a year | +$1,010 a year |
| 2024 Ford Maverick | about $1,490 a year | +$980 a year |
| 2024 Chevrolet Colorado | about $1,540 a year | +$1,020 a year |
| 2024 GMC Canyon | about $1,580 a year | +$1,050 a year |
| 2024 Nissan Frontier | about $1,540 a year | +$1,020 a year |
| 2024 Honda Ridgeline | about $1,460 a year | +$970 a year |
| 2024 Jeep Gladiator | about $1,660 a year | +$1,100 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Nebraska
- How much is car insurance in Nebraska?
- In Nebraska, full-coverage car insurance averaged $1,184 a year in 2023 (the 15th least expensive of the 50 states and DC (tied with Montana) per NAIC), or about $1,400 a year ($115 a month) in Nebraska as of August 2026. Nebraska liability-only coverage averaged $484 in 2023 (41% of Nebraska's full-coverage figure, or about $570 today), and Nebraska drivers spent $981 per insured car across all policies.
- What are the minimum car insurance limits in Nebraska?
- Under Neb. Rev. Stat. 60-310, Nebraska requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. No 2024-2026 change found; current text of Neb. Rev. Stat. 60-310 and 44-6408 as published by the Nebraska Legislature.
- How much does adding a 16-year-old teen driver cost in Nebraska?
- Adding a 16-year-old to a parent's full-coverage policy in Nebraska adds about $930 more a year ($80 a month), bringing the Nebraska household policy to roughly $1,750–$3,100 a year versus about $4,030 a year (roughly $3,050–$5,750) on a standalone Nebraska teen policy.
- Is Nebraska a no-fault car insurance state?
- No—Nebraska is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Nebraska does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Nebraska: Uninsured and underinsured motorist coverage are each at least $25,000 per person and $50,000 per crash for injuries. If you ask in writing, your insurer must provide more, up to $100,000/$300,000.
- How does Nebraska's car insurance cost compare with Colorado?
- Nebraska averaged $1,184 for full coverage in 2023 (NAIC) against $1,655 in Colorado (28% less than Colorado), and moving a sample policy from Colorado to Nebraska today is about $630 less a year. Other bordering states averaged $1,010 in Iowa, $1,182 in Kansas, $1,323 in Missouri, $1,158 in South Dakota, and $1,180 in Wyoming in 2023.
Sources for Nebraska
- Nebraska average premiums ($1,184 full coverage, $484 liability-only, $981 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Nebraska minimum coverage statutes (Neb. Rev. Stat. 60-310; Neb. Rev. Stat. 60-3,167; Neb. Rev. Stat. 44-6408), checked September 22, 2026. Page updated for Nebraska. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.