- Average car insurance cost in Nebraska is $1,200 per year, or $100 per month, for a full-coverage policy.
- Nebraska ranks seventh out of the 12 Midwest states for cheapest car insurance rates.
- For cheap car insurance in Nebraska, the top choices are small and midsize SUV models like the Honda CR-V, Subaru Forester, Mazda CX-3, and Ford Edge.
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.
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%.
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.
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.
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.
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.
- Compact car – Volkswagen Golf insurance at $956 per year or $80 per month
- Compact SUV – Subaru Forester insurance at $888 per year or $74 per month
- Midsize car – Mazda 6 insurance at $1,112 per year or $93 per month
- Midsize SUV – Ford Edge insurance at $954 per year or $80 per month
- Full-size car – Kia Cadenza insurance at $1,218 per year or $102 per month
- Full-size SUV – Toyota Sequoia insurance at $1,184 per year or $99 per month
- Midsize pickup – Toyota Tacoma insurance at $1,008 per year or $84 per month
- Full-size pickup – Ford F150 insurance at $1,142 per year or $95 per month
- Heavy duty pickup – Ford F350 Super Duty insurance at $1,292 per year or $108 per month
- Minivan – Kia Sedona insurance at $1,016 per year or $85 per month
- Sports car – Mazda Miata insurance at $1,098 per year or $92 per month
- Compact luxury car – Mercedes-Benz A220 insurance at $1,174 per year or $98 per month
- Compact luxury SUV – Volvo XC40 insurance at $988 per year or $82 per month
- Midsize luxury car – Acura ILX insurance at $1,120 per year or $93 per month
- Midsize luxury SUV – Volvo V60 insurance at $1,132 per year or $94 per month
- Full-size luxury car – Volvo S90 insurance at $1,306 per year or $109 per month
- Full-size luxury SUV – Volvo XC90 insurance at $1,152 per year or $96 per month
Beyond average car insurance rates
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.
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.
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.
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.
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.
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.
- Omaha Car Insurance - $1,370 per year or $114 per month
- Lincoln Car Insurance - $1,182 per year or $99 per month
- Bellevue Car Insurance - $1,250 per year or $104 per month
- Grand Island Car Insurance - $1,150 per year or $96 per month
- Kearney Car Insurance - $1,248 per year or $104 per month
