Nebraska auto insurance averages - $980.31 per year in 2023, ranked #37 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Nebraska's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $980.31 ▲12.4% | $484 |
| 2022 | $872.22 ▲6.8% | $434 |
| 2021 | $816.85 ▲2.7% | $418 |
| 2020 | $795.34 ▼1.5% | $418 |
| 2019 | $807.44 | $432 |
Evidence lead: Year-by-year shape
Nebraska's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Year-by-year shape
Nebraska's only decline is a shallow -1.5% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +12.4%, and the latest step is +12.4%. This is a rising series with one flat spot, not a genuine reversal.
2023 cost position
At $980.31, Nebraska ranks #37 of 51 by 2023 average expenditure. That puts the state in the lower-cost portion of this particular NAIC measure. The ordering is comparative only; it does not control for driver history, limits, deductibles, vehicle choice, or the share of residents purchasing optional coverages.
Coverage-component signature
Nebraska's most distinctive 2023 component is comprehensive: $343.54, or 38.0% above the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Five-year movement
The 2019-to-2023 comparison for Nebraska is +21.4%, the #18 change among 51 jurisdictions. The state therefore moved faster than most of the table, although the endpoint comparison can conceal pauses or reversals between those years. The year-by-year shape below provides that missing context.
Moderate registry context
In the linked NAIC-derived registry, Nebraska has 6,166 complaints distributed across 46 companies. The two coverage ranks are #27 and #27 of 51, a middle-lower footprint. Read those denominators with the complaint profile itself; neither count is a normalized complaint rate or evidence about why average auto expenditure moved.
Nearest expenditure peers. By average expenditure, Nebraska's closest peers in this dataset are Montana ($975.01) and New Hampshire ($986.84), both within a few dollars of Nebraska's own $980.31.
Note on state comparisons: These averages reflect the mix of coverages purchased in Nebraska, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
