Average insurance rates across 23 cities in Nebraska
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Omaha | 486,051 | $2,385 | $1,440 | $561/mo | $14/mo |
| Lincoln | 291,082 | $2,358 | $1,424 | $561/mo | $14/mo |
| Bellevue | 63,336 | $2,385 | $1,440 | $561/mo | $14/mo |
| Grand Island | 52,822 | $2,385 | $1,440 | $561/mo | $14/mo |
| Kearney | 33,809 | $2,385 | $1,440 | $561/mo | $14/mo |
| Fremont | 27,230 | $2,385 | $1,440 | $561/mo | $14/mo |
| Norfolk | 25,883 | $2,385 | $1,440 | $561/mo | $14/mo |
| Hastings | 25,098 | $2,385 | $1,440 | $561/mo | $14/mo |
| Columbus | 24,035 | $2,385 | $1,440 | $561/mo | $14/mo |
| Papillion | 24,016 | $2,385 | $1,440 | $561/mo | $14/mo |
| North Platte | 23,309 | $2,385 | $1,440 | $561/mo | $14/mo |
| La Vista | 16,713 | $2,385 | $1,440 | $561/mo | $14/mo |
| Scottsbluff | 14,454 | $2,385 | $1,440 | $561/mo | $14/mo |
| South Sioux City | 13,835 | $2,385 | $1,440 | $561/mo | $14/mo |
| Beatrice | 12,237 | $2,385 | $1,440 | $561/mo | $14/mo |
Nebraska residents pay an average of $2,650 per year for home insurance and $1,600 for auto insurance. Nebraska follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in Nebraska averages $570 per month for an individual Silver marketplace plan. The weather risk level is high, with tornado activity affecting premiums. Top insurance providers in Nebraska include State Farm, Farm Bureau Financial, Mutual of Omaha.
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Policygenius The ZebraThe average home insurance cost in Nebraska is $2,650 per year. Rates range from $1,700 to $3,700 depending on home value, location, and coverage level.
Auto insurance in Nebraska averages $1,600 per year for full coverage. The state minimum coverage is 25/50/25.
Yes, Nebraska has above-average insurance costs, with home insurance at $2,650/yr and auto at $1,600/yr compared to national averages of $2,300 and $1,800 respectively.
Nebraska requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.