Nebraska Car Insurance Cost for 2021

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 $1,200 per year for full coverage, which is 21.2% less than the national average rate of $1,523. Average car insurance cost per month in Nebraska is $100.

The next chart shows average car insurance cost in Nebraska for all 2021 model year vehicles. Rates are shown for multiple driver ages and policy deductible amounts.

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Chart Data Details: Chart shows average Nebraska car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Nebraska zip codes.
Average Car Insurance Cost in Nebraska
Average Car Insurance Cost in Nebraska
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,020$168
$500$2,382$199
$250$2,764$230
30$1,000$1,060$88
$500$1,264$105
$250$1,474$123
40$1,000$1,014$85
$500$1,200$100
$250$1,394$116
50$1,000$926$77
$500$1,094$91
$250$1,266$106
60$1,000$908$76
$500$1,072$89
$250$1,242$104

The overall average rate in the chart above is the $500 deductible policy for a 40-year-old driver which costs $1,200 per year in Nebraska, or about $100 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 $900 per year for a Honda CR-V up to $1,538 per year for a Chevy Corvette, a range of $638 or 41.5%.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Nebraska car insurance cost is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Nebraska Zip Codes.
Nebraska Car Insurance Rates for Popular Vehicles
Nebraska Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$900$75
Subaru Crosstrek$978$82
Nissan Rogue$1,078$90
Ford F150$1,142$95
Toyota RAV4$1,152$96
Toyota Camry$1,198$100
Chevrolet Silverado$1,248$104
Ram Truck$1,302$109
Jeep Cherokee$1,352$113
Chevrolet Corvette$1,538$128

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 the three cheapest models make it onto the top 50 list.

If insuring a teenage driver in Nebraska, expect to pay much higher rates. Average rates range from $3,016 per year for a 19-year-old female driver up to $4,296 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance rates in Nebraska will cost $3,570 to $4,016 per year for 17-year-olds and $3,254 to $3,750 per year for 18-year-olds.

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 $156 per year.
  • Minor traffic violations like speeding tickets can increase the annual cost of car insurance in Nebraska by $314 for a 40-year-old driver.
  • Increasing policy deductibles from $100 to $1,000 could save $546 or more each year.
  • Qualifying for multiple policy discounts could save as much as $374 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 $298 per year on auto insurance cost.
  • A DUI or other major driving record conviction could raise raise by $1,100 or more per year.

How does Nebraska car insurance compare?

When compared to surrounding states, Nebraska car insurance rates are 19.8% more than Iowa, 4.3% less than South Dakota, 11.1% less than Wyoming, 25.9% less than Colorado, 9% less than Kansas, and 9.9% less than Missouri.

In dollar figures, the $1,200 per year average cost of car insurance in Nebraska will cost $198 more per year than Iowa, $54 less than South Dakota, $150 less than Wyoming, $420 less than Colorado, $118 less than Kansas, and $132 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 7th out of 12 states, and out of all 50 U.S. states ranks 15th for cheapest car insurance rates.

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Nebraska Car Insurance Cost Compared to Midwest Region
Average Car Insurance Cost in Nebraska Compared to Midwest Region
Midwest Region States Average Insurance Cost Annual Difference
Iowa$1,002-$198
Ohio$1,024-$176
Illinois$1,078-$122
Indiana$1,102-$98
Wisconsin$1,104-$96
North Dakota$1,168-$32
Nebraska$1,200--
South Dakota$1,254$54
Kansas$1,318$118
Missouri$1,332$132
Minnesota$1,346$146
Michigan$2,720$1,520

Since Nebraska ranks in the top 20 states for cheapest car insurance rates in the U.S, it compares favorably to states in other parts of the country.

When compared to some of the higher-prices states, the average cost of car insurance in Nebraska is 28.7% cheaper than New York, 13.8% cheaper than Montana, 41.3% cheaper than Florida, 29.3% cheaper than Nevada, and 28.4% cheaper than California.

There are 14 states that have cheaper average car insurance rates than Nebraska, however. When compared to some of those states, average Nebraska car insurance cost is 25% more expensive than Maine, 23.2% more than Virginia, 11.3% more than Illinois, 14.1% more than Vermont, and 16.3% more 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 Forester and Honda CR-V. Those two models cost an average of $888 and $900 per year to insure, respectively.

Other models that have cheap car insurance quotes in Nebraska are the Toyota C-HR at $950 per year, the Mazda CX-3 at $944 per year, the Ford Edge at $954 per year, the Subaru CrossTrek at $978 per year, the Hyundai Venue at $994 per year, and the Volkswagen Atlas at $1,004 per year.

The table below shows the top 50 cheapest vehicles to insure in Nebraska for the 2021 model year.

Top 50 Cheapest Vehicles to Insure in Nebraska
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$888$74
2Honda CR-V$900$75
3Ram Promaster City$936$78
4Mazda CX-3$944$79
5Kia Sportage$950$79
6Toyota C-HR$950$79
7Ford Edge$954$80
8Volkswagen Golf$956$80
9Mazda CX-5$966$81
10Subaru Crosstrek$978$82
11Chevrolet Spark$984$82
12Volvo XC40$988$82
13Hyundai Venue$994$83
14Volkswagen Atlas$1,004$84
15Hyundai Kona$1,008$84
16Kia Soul$1,008$84
17Subaru Impreza$1,008$84
18Toyota Tacoma$1,008$84
19Kia Telluride$1,010$84
20Chevrolet Blazer$1,012$84
21Jeep Compass$1,016$85
22Kia Sedona$1,016$85
23Subaru Outback$1,016$85
24Honda Passport$1,018$85
25Mazda CX-30$1,018$85
26Chevrolet Colorado$1,020$85
27Kia Rio5$1,020$85
28Nissan Kicks$1,020$85
29Ford Escape$1,022$85
30Mitsubishi Eclipse Cross$1,022$85
31Subaru Ascent$1,022$85
32Hyundai Tucson$1,024$85
33Acura RDX$1,032$86
34Nissan Frontier$1,032$86
35Volkswagen Tiguan$1,034$86
36Honda Pilot$1,036$86
37Toyota Corolla$1,040$87
38Ford Ecosport$1,042$87
39Buick Envision$1,044$87
40Kia Seltos$1,048$87
41Nissan Rogue Sport$1,056$88
42Chevrolet Trailblazer$1,062$89
43Chevrolet Trax$1,062$89
44Cadillac XT4$1,068$89
45Buick Encore$1,072$89
46Chevrolet Express$1,076$90
47Jeep Renegade$1,078$90
48Nissan Rogue$1,078$90
49Chevrolet Equinox$1,082$90
50Nissan Murano$1,082$90

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Nebraska.
    Top 50 Cheapest Vehicles to Insure in Nebraska

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Nebraska car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Nebraska Zip Codes.
    Nebraska Car Insurance Rates by Vehicle Segment
    Nebraska Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Small SUV$1,082$90
    Midsize Truck$1,090$91
    Large Van$1,094$91
    Midsize Minivan$1,112$93
    Midsize SUV$1,166$97
    Midsize Van$1,176$98
    Small Car$1,204$100
    Large Truck$1,216$101
    Midsize Car$1,226$102
    Large SUV$1,240$103
    Small Luxury SUV$1,258$105
    Large Car$1,304$109
    Heavy Duty Truck$1,348$112
    Midsize Luxury SUV$1,350$113
    Small Luxury Car$1,392$116
    Midsize Luxury Car$1,586$132
    Large Luxury SUV$1,616$135
    Sports Car$1,750$146
    Large Luxury Car$1,848$154
    Exotic Car$2,462$205

    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 $1,248 per year and ranges from $1,036 to $2,838 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Chevrolet Silverado Insurance Cost in Nebraska
    Chevrolet Silverado Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,838$237
    Safe Driver Age 20$2,486$207
    At-fault Accidents Age 40$1,772$148
    Low Deductibles Age 40$1,602$134
    Safe Driver Age 30$1,310$109
    Safe Driver Age 40$1,248$104
    Safe Driver Age 50$1,140$95
    Safe Driver Age 60$1,120$93
    High Deductibles Age 40$1,066$89
    Discount Rate Age 40$1,036$86

    Toyota Corolla insurance rates

    Toyota Corolla car insurance rates in Nebraska range from $864 to $2,352 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $1,040 per year or $87 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Toyota Corolla Insurance Cost in Nebraska
    Toyota Corolla Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,352$196
    Safe Driver Age 20$2,060$172
    At-fault Accidents Age 40$1,466$122
    Low Deductibles Age 40$1,348$112
    Safe Driver Age 30$1,094$91
    Safe Driver Age 40$1,040$87
    Safe Driver Age 50$946$79
    Safe Driver Age 60$928$77
    High Deductibles Age 40$882$74
    Discount Rate Age 40$864$72

    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 $862 to $2,334 per year for the example driver risk profiles, with average cost being $1,036 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Honda Pilot Insurance Cost in Nebraska
    Honda Pilot Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,334$195
    Safe Driver Age 20$2,046$171
    At-fault Accidents Age 40$1,448$121
    Low Deductibles Age 40$1,368$114
    Safe Driver Age 30$1,098$92
    Safe Driver Age 40$1,036$86
    Safe Driver Age 50$942$79
    Safe Driver Age 60$924$77
    High Deductibles Age 40$864$72
    Discount Rate Age 40$862$72

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Nebraska as shown in the chart below range from $996 to $2,720 per year, with the average cost being $1,198.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Toyota Camry Insurance Cost in Nebraska
    Toyota Camry Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,720$227
    Safe Driver Age 20$2,382$199
    At-fault Accidents Age 40$1,688$141
    Low Deductibles Age 40$1,568$131
    Safe Driver Age 30$1,264$105
    Safe Driver Age 40$1,198$100
    Safe Driver Age 50$1,092$91
    Safe Driver Age 60$1,074$90
    High Deductibles Age 40$1,010$84
    Discount Rate Age 40$996$83

    Chevrolet Camaro insurance rates

    The average cost for Chevrolet Camaro insurance in Nebraska is $1,588 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,314 to $3,616 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 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. Physical damage 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.
    Chevrolet Camaro Insurance Cost in Nebraska
    Chevrolet Camaro Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,616$301
    Safe Driver Age 20$3,164$264
    At-fault Accidents Age 40$2,252$188
    Low Deductibles Age 40$2,034$170
    Safe Driver Age 30$1,662$139
    Safe Driver Age 40$1,588$132
    Safe Driver Age 50$1,450$121
    Safe Driver Age 60$1,420$118
    High Deductibles Age 40$1,358$113
    Discount Rate Age 40$1,314$110

    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.