- Average car insurance cost in Nebraska is $1,474 per year, or $123 per month, for a full-coverage policy.
- Nebraska ranks sixth 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 Chevrolet Trailblazer, Nissan Kicks, Hyundai Venue, and Kia Seltos.
How much does car insurance cost in Nebraska?
The average cost of car insurance in Nebraska is $1,474 per year for full coverage, which is 12.5% less than the national average rate of $1,685. Average car insurance cost per month in Nebraska is $123.
The next chart shows average car insurance cost in Nebraska for all 2023 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 $1,474 per year in Nebraska, or about $123 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 $1,250 per year for a Honda CR-V up to $1,816 per year for a Chevy Corvette, a range of $566.
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 $3,712 per year for a 19-year-old female driver up to $5,280 per year for a 16-year-old male driver.
For 17 and 18-year-old drivers, average car insurance rates in Nebraska will cost $4,386 to $4,936 per year for 17-year-olds and $4,000 to $4,610 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 $192 per year.
- Minor traffic violations like speeding tickets can increase the annual cost of car insurance in Nebraska by $388 for a 40-year-old driver.
- Increasing policy deductibles from $100 to $1,000 could save $678 or more each year.
- Qualifying for multiple policy discounts could save as much as $462 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 $436 per year on auto insurance cost.
- A DUI or other major driving record conviction could raise raise by $1,358 or more per year.
How does Nebraska car insurance compare?
When compared to surrounding states, Nebraska car insurance rates are 24.9% more than Iowa, 18.7% less than South Dakota, 5.9% less than Wyoming, 22.1% less than Colorado, 15.2% less than Kansas, and 25.9% less than Missouri.
In dollar figures, the $1,474 per year average cost of car insurance in Nebraska will cost $294 more per year than the average cost in Iowa, $338 less than South Dakota, $92 less than Wyoming, $418 less than Colorado, $264 less than Kansas, and $516 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.
When compared to some of the states with higher-priced car insurance, the average cost in Nebraska is 27.8% cheaper than New York, 9% cheaper than Montana, 32.9% cheaper than Florida, 30.1% cheaper than Nevada, and 30.9% cheaper than California.
When compared to some of the states with cheaper average rates, Nebraska car insurance cost is 38.8% more expensive than Maine, 25.6% more expensive than Virginia, 15.2% more expensive than Vermont, and 34% 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 Chevrolet Trailblazer and Subaru Crosstrek. Those two models cost an average of $1,114 and $1,126 per year to insure, respectively.
Other models that have cheap car insurance quotes in Nebraska are the Nissan Kicks at $1,130 per year, the Nissan Rogue Sport at $1,148 per year, the Buick Encore at $1,174 per year, the Kia Seltos at $1,194 per year, the Hyundai Venue at $1,202 per year, and the Ford Maverick at $1,224 per year.
The table below shows the top 50 cheapest vehicles to insure in Nebraska for the 2023 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.
- Subaru Impreza insurance – Cheapest compact car at $1,220 per year or $102 per month
- Chevrolet Trailblazer insurance – Cheapest compact SUV at $1,114 per year or $93 per month
- Subaru Legacy insurance – Cheapest midsize car at $1,356 per year or $113 per month
- Honda Passport insurance – Cheapest midsize SUV at $1,144 per year or $95 per month
- Chrysler 300 insurance – Cheapest full-size car at $1,436 per year or $120 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $1,380 per year or $115 per month
- Ford Maverick insurance – Cheapest midsize pickup at $1,224 per year or $102 per month
- Nissan Titan insurance – Cheapest full-size pickup at $1,458 per year or $122 per month
- GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $1,510 per year or $126 per month
- Honda Odyssey insurance – Cheapest minivan at $1,346 per year or $112 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $1,362 per year or $114 per month
- Acura Integra insurance – Cheapest compact luxury car at $1,324 per year or $110 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $1,230 per year or $103 per month
- Cadillac CT5 insurance – Cheapest midsize luxury car at $1,586 per year or $132 per month
- Lexus RX 350 insurance – Cheapest midsize luxury SUV at $1,320 per year or $110 per month
- Audi A5 insurance – Cheapest full-size luxury car at $1,654 per year or $138 per month
- Volvo XC90 insurance – Cheapest full-size luxury SUV at $1,520 per year or $127 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 $1,612 per year and ranges from $1,334 to $3,686 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 $1,148 to $3,120 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $1,384 per year or $115 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 $1,176 to $3,242 per year for the example driver risk profiles, with average cost being $1,416 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 $1,164 to $3,176 per year, with the average cost being $1,400.
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 $1,926 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,598 to $4,362 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 - $1,586 per year or $132 per month
- Lincoln Car Insurance - $1,392 per year or $116 per month
- Bellevue Car Insurance - $1,466 per year or $122 per month
- Grand Island Car Insurance - $1,356 per year or $113 per month
- Kearney Car Insurance - $1,462 per year or $122 per month
- Fremont Car Insurance - $1,418 per year or $118 per month
- Hastings Car Insurance - $1,428 per year or $119 per month
