Nebraska Car Insurance Cost for 2025

How much does car insurance cost in Nebraska? We compare average insurance rates from Omaha to Scottsbluff and find the cheapest vehicles to insure in Nebraska.

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How much does car insurance cost in Nebraska?

The average cost of car insurance in Nebraska is $2,188 per year for full coverage, which is 1.5% less than the national average rate of $2,221. Average car insurance cost per month in Nebraska is $182.

The next chart shows average car insurance cost in Nebraska for all 2024 model year vehicles. Rates are shown for multiple driver ages and policy deductible amounts.

Average full-coverage car insurance premium in Nebraska for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Nebraska for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Nebraska Zip Codes.

Average Car Insurance Cost in Nebraska
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,724$310
$500$4,402$367
$250$5,120$427
30$1,000$1,958$163
$500$2,336$195
$250$2,730$228
40$1,000$1,840$153
$500$2,188$182
$250$2,550$213
50$1,000$1,638$137
$500$1,938$162
$250$2,252$188
60$1,000$1,536$128
$500$1,816$151
$250$2,108$176

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Nebraska Zip Codes. Updated June 27, 2025

The overall average rate in the chart above is the $500 deductible policy for a 40-year-old driver which costs $2,188 per year in Nebraska, or about $182 per month. When all other variables are held constant, auto insurance gets cheaper as you get older, and a high deductible policy will be cheaper than low deductibles.

The type of vehicle you insure is one of the largest factors that determines how much you pay for car insurance. The chart below demonstrates some of the cost variability due to the make and model of vehicle. For the ten popular models below, average Nebraska car insurance quotes range from $1,866 per year for a Honda CR-V up to $3,030 per year for a Chevy Corvette, a range of $1,164.

Average cost to insure popular 2024 model year vehicles in Nebraska.
Figure 2: Average cost to insure popular 2024 model year vehicles in Nebraska. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Nebraska Zip Codes.

Nebraska Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,616$135
Honda CR-V$1,866$156
Nissan Rogue$1,968$164
Toyota RAV4$2,018$168
Toyota Camry$2,350$196
Chevrolet Silverado$2,420$202
Ford F150$2,448$204
Ram Truck$2,532$211
Chevrolet Corvette$3,030$253

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Nebraska Zip Codes. Updated June 26, 2025

Later in this article, we will rank the top 50 cheapest vehicles to insure in Nebraska. Out of the ten popular vehicles shown above, only a few models make it onto the top 50 list.

Teen driver insurance rates in Nebraska

If insuring a teenage driver in Nebraska, expect to pay much higher rates. Average rates range from $5,208 per year for a 19-year-old female driver up to $7,794 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance rates in Nebraska will cost $7,237 to $7,553 per year for 17-year-olds and $6,246 to $6,771 per year for 18-year-olds.

Other factors influencing car insurance rates

Many other factors impact the cost of car insurance such as your driving record and the discounts you qualify for. The list below breaks out some of these factors and how they may increase or decrease the cost of car insurance in Nebraska.

  • Bundling your car and homeowners insurance with the same company could save an average of $278 per year.
  • Minor traffic violations like speeding tickets can increase the annual cost of car insurance in Nebraska by $582 for a 40-year-old driver.
  • Increasing policy deductibles from $100 to $1,000 could save $1,022 or more each year.
  • Qualifying for multiple policy discounts could save as much as $678 per year.
  • Driving a vehicle with cheaper car insurance rates can save quite a bit. For example, driving a Toyota Tacoma instead of a Ford F250 Super Duty could save as much as $416 per year on auto insurance cost.
  • A DUI or other major driving record conviction could raise raise by $2,034 or more per year.

How does Nebraska car insurance compare?

When compared to surrounding states, Nebraska car insurance rates are 14.2% more than Iowa, 14.3% less than South Dakota, 4.1% less than Wyoming, 17.3% less than Colorado, 11.3% less than Kansas, and 20.9% less than Missouri.

In dollar figures, the $2,188 per year average cost of car insurance in Nebraska will cost $290 more per year than the average cost in Iowa, $336 less than South Dakota, $92 less than Wyoming, $414 less than Colorado, $262 less than Kansas, and $510 less than Missouri.

The chart below shows how average Nebraska car insurance cost compares to the other states in the U.S. Midwest. Nebraska ranks sixth out of 12 states, and out of all 50 U.S. states ranks 15th for cheapest car insurance rates.

Average cost of car insurance in Nebraska compared to other Midwest region states.
Figure 3: Average cost of car insurance in Nebraska compared to other Midwest region states. Rates updated on June 27, 2025.
Average Car Insurance Cost in Nebraska Compared to Midwest Region
Midwest Region States Average Annual Premium Cost Difference
Iowa$1,898-$290
Ohio$1,948-$240
Wisconsin$1,978-$210
Indiana$2,034-$154
North Dakota$2,174-$14
Nebraska$2,188--
Minnesota$2,228$40
Illinois$2,262$74
Kansas$2,450$262
South Dakota$2,524$336
Missouri$2,698$510
Michigan$2,858$670

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Nebraska Zip Codes. Updated June 27, 2025

When compared to some of the states with higher-priced car insurance, the average cost in Nebraska is 22.8% cheaper than New York, 6.3% cheaper than Montana, 22.9% cheaper than Florida, 25.2% cheaper than Nevada, and 26% cheaper than California.

When compared to some of the states with cheaper average rates, Nebraska car insurance cost is 20.3% more expensive than Maine, 14.6% more expensive than Virginia, 9.1% more expensive than Vermont, and 18.3% more expensive than North Carolina.

What are the cheapest vehicles to insure in Nebraska?

Topping our list of the 50 cheapest vehicles to insure in Nebraska are the Subaru Crosstrek and Chevrolet Trailblazer. Those two models cost an average of $1,616 and $1,644 per year to insure, respectively.

Other models that have cheap car insurance quotes in Nebraska are the Kia Soul at $1,710 per year, the Honda Passport at $1,744 per year, the Toyota Corolla Cross at $1,762 per year, the Mazda CX-5 at $1,786 per year, the Volkswagen Tiguan at $1,810 per year, and the Nissan Murano at $1,838 per year.

The table below shows the top 50 cheapest vehicles to insure in Nebraska for the 2024 model year.

Top 50 Cheapest Vehicles to Insure in Nebraska
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,616$135
2Chevrolet Trailblazer$1,644$137
3Kia Soul$1,710$143
4Nissan Kicks$1,722$144
5Honda Passport$1,744$145
6Buick Envision$1,752$146
7Toyota Corolla Cross$1,762$147
8Hyundai Venue$1,778$148
9Mazda CX-5$1,786$149
10Ford Bronco Sport$1,792$149
11Volkswagen Tiguan$1,810$151
12Acura RDX$1,830$153
13Nissan Murano$1,838$153
14Buick Encore$1,860$155
15Subaru Outback$1,864$155
16Honda CR-V$1,866$156
17Buick Envista$1,872$156
18Volkswagen Taos$1,876$156
19Kia Niro$1,884$157
20Toyota GR Corolla$1,902$159
21Honda HR-V$1,906$159
22Subaru Ascent$1,906$159
23Nissan Leaf$1,918$160
24Chevrolet Colorado$1,926$161
25Honda Civic$1,936$161
26Lexus NX 250$1,938$162
27Volkswagen Atlas$1,940$162
28Acura Integra$1,946$162
29Subaru Forester$1,948$162
30Volkswagen Atlas Cross Sport$1,950$163
31Kia Seltos$1,956$163
32GMC Terrain$1,958$163
33Nissan Rogue$1,968$164
34Hyundai Kona$1,972$164
35Mazda CX-30$1,974$165
36Cadillac XT4$1,978$165
37Ford Explorer$1,986$166
38Volkswagen ID4$1,986$166
39Toyota Highlander$1,990$166
40Toyota Venza$1,996$166
41Ford Escape$1,998$167
42Honda Odyssey$2,000$167
43Nissan Sentra$2,004$167
44Subaru Impreza$2,014$168
45Chevrolet Equinox$2,018$168
46Toyota RAV4$2,018$168
47Mazda MX-5 Miata$2,026$169
48Mazda MX-30$2,032$169
49Hyundai Tucson$2,036$170
50Chevrolet Traverse$2,044$170

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Nebraska Zip Codes. Updated June 27, 2025

Top 50 cheapest vehicles to insure in Nebraska with the Subaru Crosstrek ranking first at $1,616 per year
Top 50 cheapest vehicles to insure in Nebraska with the Subaru Crosstrek ranking first at $1,616 per year

Nebraska car insurance cost by vehicle segment

The chart below shows the average cost of car insurance in Nebraska by automotive segment. Small and midsize SUVs like the Subaru Forester, Ford Edge, Honda CR-V, and Mazda CX-5 tend to have cheaper overall rates, while luxury cars and SUVs and high performance sports cars tend to have the most expensive car insurance rates.

Car insurance average cost by automotive segment in Nebraska.
Figure 4: Car insurance average cost by automotive segment in Nebraska. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Nebraska Zip Codes.

Car Insurance Rates by Automotive Segment in Nebraska
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,010$168
Midsize SUV$2,160$180
Compact Car$2,162$180
Minivan$2,166$181
Midsize Pickup$2,210$184
Midsize Car$2,230$186
Compact Luxury SUV$2,374$198
Compact Luxury Car$2,406$201
Large SUV$2,418$202
Half-ton Pickup$2,426$202
Heavy Duty Pickup$2,518$210
Midsize Luxury SUV$2,600$217
Midsize Luxury Car$2,684$224
Sports Car$3,008$251
Large Car$3,146$262
Large Luxury SUV$3,386$282
Large Luxury Car$3,502$292

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Nebraska Zip Codes. Updated June 26, 2025

The chart above is great for comparing the average car insurance cost between different vehicle segments. But if you want to know which specific model has the cheapest car insurance rates in each segment, the list below provides the answer.

Average rates allow us to make easy comparisons between different vehicle models, but it’s important that you understand how much variability there is when shopping for car insurance.

Not only is there variation between models, but different companies will charge substantially different rates based on the same rating criteria. Not to mention all the different factors like driver age, driving record, credit history, and much more.

The charts below take some popular models from different segments and show rates for different scenarios like different policy deductibles, different driver ages, and even rates for a high-risk driver.

Putting all these rates into one chart makes it easier to see how much rates can vary for a single vehicle model.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Nebraska costs an average of $2,420 per year and ranges from $2,006 to $5,618 per year for the sample driver risk profiles shown in the chart below.

The Chevrolet Silverado is considered a full-size truck, and other popular models include the Nissan Titan, Toyota Tundra, GMC Sierra, Ford F150, and Ram Truck.

Average 2024 Chevrolet Silverado insurance premiums in Nebraska for different driver ages and risk scenarios.
Figure 5: Average 2024 Chevrolet Silverado insurance premiums in Nebraska for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Nebraska includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Nebraska
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,618$468
Safe Driver Age 20$4,914$410
At-fault Accidents Age 40$3,458$288
Low Deductibles Age 40$3,122$260
Safe Driver Age 30$2,574$215
Safe Driver Age 40$2,420$202
Safe Driver Age 50$2,150$179
High Deductibles Age 40$2,060$172
Safe Driver Age 60$2,014$168
Discount Rate Age 40$2,006$167

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 26, 2025

Toyota Corolla insurance rates

Toyota Corolla car insurance rates in Nebraska range from $1,768 to $4,888 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $2,132 per year or $178 per month in Nebraska.

The Toyota Corolla belongs to the compact car segment, and other popular models include the Hyundai Elantra, Honda Civic, Volkswagen Jetta, Chevrolet Cruze, and Nissan Sentra.

Average 2024 Toyota Corolla insurance premiums in Nebraska for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Corolla insurance premiums in Nebraska for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Nebraska includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Nebraska
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,888$407
Safe Driver Age 20$4,264$355
At-fault Accidents Age 40$3,026$252
Low Deductibles Age 40$2,736$228
Safe Driver Age 30$2,266$189
Safe Driver Age 40$2,132$178
Safe Driver Age 50$1,900$158
High Deductibles Age 40$1,818$152
Safe Driver Age 60$1,774$148
Discount Rate Age 40$1,768$147

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 26, 2025

Honda Pilot insurance rates

The chart below shows average Honda Pilot insurance rates in Nebraska for different driver ages and risk profiles. Annual cost ranges from $1,768 to $4,926 per year for the example driver risk profiles, with average cost being $2,130 per year.

The Honda Pilot is a midsize SUV and other similar models include the Ford Edge, Toyota Highlander, Jeep Grand Cherokee, Kia Telluride, and Ford Explorer.

Average 2024 Honda Pilot insurance premiums in Nebraska for different driver ages and risk scenarios.
Figure 7: Average 2024 Honda Pilot insurance premiums in Nebraska for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Nebraska includes all Zip Codes and vehicle trim levels.

2024 Honda Pilot Insurance Cost in Nebraska
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,926$411
Safe Driver Age 20$4,322$360
At-fault Accidents Age 40$3,016$251
Low Deductibles Age 40$2,820$235
Safe Driver Age 30$2,274$190
Safe Driver Age 40$2,130$178
Safe Driver Age 50$1,882$157
High Deductibles Age 40$1,780$148
Discount Rate Age 40$1,768$147
Safe Driver Age 60$1,764$147

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Pilot trim levels. Updated June 26, 2025

Toyota Camry insurance rates

Average Toyota Camry insurance rates in Nebraska as shown in the chart below range from $1,956 to $5,406 per year, with the average cost being $2,350.

The Toyota Camry is considered a midsize car, and other models in this segment include the Nissan Altima, Hyundai Sonata, Kia K5, Honda Accord, and Chevrolet Malibu.

Average 2024 Toyota Camry insurance premiums in Nebraska for different driver ages and risk scenarios.
Figure 8: Average 2024 Toyota Camry insurance premiums in Nebraska for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Nebraska includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Nebraska
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,406$451
Safe Driver Age 20$4,738$395
At-fault Accidents Age 40$3,318$277
Low Deductibles Age 40$3,122$260
Safe Driver Age 30$2,514$210
Safe Driver Age 40$2,350$196
Safe Driver Age 50$2,076$173
Discount Rate Age 40$1,956$163
High Deductibles Age 40$1,954$163
Safe Driver Age 60$1,946$162

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 27, 2025

Chevrolet Camaro insurance rates

The average cost for Chevrolet Camaro insurance in Nebraska is $2,842 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,360 to $6,530 per year.

The Chevrolet Camaro is a sports car and other vehicles in this segment include the Chevrolet Corvette, Nissan 370Z, Ford Mustang, Toyota Supra, and Subaru BRZ.

Average 2024 Chevrolet Camaro insurance premiums in Nebraska for different driver ages and risk scenarios.
Figure 9: Average 2024 Chevrolet Camaro insurance premiums in Nebraska for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Camaro with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Camaro car insurance cost in Nebraska includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Camaro Insurance Cost in Nebraska
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,530$544
Safe Driver Age 20$5,702$475
At-fault Accidents Age 40$4,038$337
Low Deductibles Age 40$3,658$305
Safe Driver Age 30$3,026$252
Safe Driver Age 40$2,842$237
Safe Driver Age 50$2,532$211
High Deductibles Age 40$2,420$202
Safe Driver Age 60$2,364$197
Discount Rate Age 40$2,360$197

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Camaro trim levels. Updated June 27, 2025

Nebraska car insurance rates by city

Listed below are some of the larger cities in Nebraska and the average annual and monthly car insurance costs for each. Visit any page to view additional rate information, including average costs by automotive segment and the vehicles with the cheapest car insurance quotes in each city.