Nebraska Car Insurance Cost for 2023

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 $1,512 per year for full coverage, which is 13.3% less than the national average rate of $1,728. Average car insurance cost per month in Nebraska is $126.

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Nebraska car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Nebraska zip codes.Data last updated on August 12, 2023
Average Car Insurance Cost in Nebraska
Average Car Insurance Cost in Nebraska
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,546$212
$500$3,006$251
$250$3,494$291
30$1,000$1,336$111
$500$1,594$133
$250$1,862$155
40$1,000$1,274$106
$500$1,512$126
$250$1,758$147
50$1,000$1,162$97
$500$1,376$115
$250$1,598$133
60$1,000$1,142$95
$500$1,352$113
$250$1,570$131

The overall average rate in the chart above is the $500 deductible policy for a 40-year-old driver which costs $1,512 per year in Nebraska, or about $126 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 $1,280 per year for a Honda CR-V up to $1,862 per year for a Chevy Corvette, a range of $582.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Nebraska car insurance cost is based on 2023 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.Data last updated on August 11, 2023
Nebraska Car Insurance Rates for Popular Vehicles
Nebraska Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,154$96
Honda CR-V$1,280$107
Nissan Rogue$1,390$116
Toyota RAV4$1,400$117
Toyota Camry$1,436$120
Ford F150$1,538$128
Jeep Cherokee$1,644$137
Chevrolet Silverado$1,654$138
Ram Truck$1,654$138
Chevrolet Corvette$1,862$155

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 $3,808 per year for a 19-year-old female driver up to $5,416 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance rates in Nebraska will cost $4,500 to $5,066 per year for 17-year-olds and $4,106 to $4,732 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 $196 per year.
  • Minor traffic violations like speeding tickets can increase the annual cost of car insurance in Nebraska by $396 for a 40-year-old driver.
  • Increasing policy deductibles from $100 to $1,000 could save $696 or more each year.
  • Qualifying for multiple policy discounts could save as much as $472 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 $448 per year on auto insurance cost.
  • A DUI or other major driving record conviction could raise raise by $1,392 or more per year.

How does Nebraska car insurance compare?

When compared to surrounding states, Nebraska car insurance rates are 21.5% more than Iowa, 20.2% less than South Dakota, 5.9% less than Wyoming, 24.3% less than Colorado, 16.1% less than Kansas, and 29.2% less than Missouri.

In dollar figures, the $1,512 per year average cost of car insurance in Nebraska will cost $294 more per year than the average cost in Iowa, $340 less than South Dakota, $92 less than Wyoming, $418 less than Colorado, $264 less than Kansas, and $518 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.

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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$1,218-$294
Ohio$1,268-$244
Wisconsin$1,298-$214
Indiana$1,356-$156
North Dakota$1,500-$12
Nebraska$1,512--
Minnesota$1,552$40
Illinois$1,586$74
Kansas$1,776$264
South Dakota$1,852$340
Missouri$2,030$518
Michigan$2,438$926

When compared to some of the states with higher-priced car insurance, the average cost in Nebraska is 31.8% cheaper than New York, 9.1% cheaper than Montana, 38.2% cheaper than Florida, 34.8% cheaper than Nevada, and 35.8% cheaper than California.

When compared to some of the states with cheaper average rates, Nebraska car insurance cost is 31.5% more expensive than Maine, 22.2% more expensive than Virginia, 13.4% more expensive than Vermont, and 27.9% 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 $1,142 and $1,154 per year to insure, respectively.

Other models that have cheap car insurance quotes in Nebraska are the Nissan Kicks at $1,158 per year, the Nissan Rogue Sport at $1,180 per year, the Buick Encore at $1,204 per year, the Kia Seltos at $1,226 per year, the Hyundai Venue at $1,234 per year, and the Ford Maverick at $1,254 per year.

The table below shows the top 50 cheapest vehicles to insure in Nebraska for the 2023 model year.

Top 50 Cheapest Vehicles to Insure in Nebraska
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,142$95
2Subaru Crosstrek$1,154$96
3Nissan Kicks$1,158$97
4Honda Passport$1,174$98
5Nissan Rogue Sport$1,180$98
6Mazda CX-5$1,188$99
7Buick Encore$1,204$100
8Buick Envision$1,208$101
9Kia Seltos$1,226$102
10Subaru Ascent$1,230$103
11Hyundai Venue$1,234$103
12Subaru Impreza$1,252$104
13Ford Maverick$1,254$105
14Chevrolet Colorado$1,258$105
15Honda HR-V$1,258$105
16Acura RDX$1,260$105
17Hyundai Kona$1,266$106
18Subaru Forester$1,276$106
19Ford Edge$1,280$107
20Honda CR-V$1,280$107
21Mazda CX-30$1,284$107
22Ford Explorer$1,288$107
23Volkswagen Atlas$1,290$108
24Chevrolet Trax$1,298$108
25Nissan Murano$1,298$108
26Subaru Outback$1,300$108
27Nissan Frontier$1,306$109
28Volkswagen Tiguan$1,312$109
29Ford Bronco Sport$1,316$110
30Fiat 500X$1,338$112
31Ford Ranger$1,342$112
32GMC Terrain$1,342$112
33Kia Soul$1,346$112
34Mitsubishi Eclipse Cross$1,348$112
35Volkswagen Atlas Cross Sport$1,348$112
36Lexus RX 350$1,354$113
37Acura Integra$1,356$113
38Chevrolet Equinox$1,360$113
39Cadillac XT4$1,364$114
40Toyota Corolla Cross$1,364$114
41Volkswagen Taos$1,370$114
42GMC Canyon$1,372$114
43Mazda CX-50$1,378$115
44Toyota Venza$1,378$115
45Honda Odyssey$1,380$115
46Volkswagen Jetta$1,380$115
47Hyundai Tucson$1,382$115
48Toyota Tacoma$1,382$115
49Ford Escape$1,386$116
50Kia Sorento$1,386$116

    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.Data last updated on August 11, 2023
    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 2023 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.Data last updated on August 11, 2023
    Nebraska Car Insurance Rates by Vehicle Segment
    Nebraska Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,376$115
    Midsize Pickup$1,426$119
    Midsize SUV$1,474$123
    Minivan$1,482$124
    Compact Car$1,506$126
    Midsize Car$1,540$128
    Compact Luxury SUV$1,636$136
    Half-ton Pickup$1,640$137
    Large SUV$1,654$138
    Compact Luxury Car$1,662$139
    Heavy Duty Pickup$1,738$145
    Midsize Luxury SUV$1,756$146
    Large Car$1,758$147
    Midsize Luxury Car$1,922$160
    Sports Car$2,068$172
    Large Luxury SUV$2,222$185
    Large Luxury Car$2,336$195

    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 $1,654 per year and ranges from $1,370 to $3,786 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 2023 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.Data last updated on August 12, 2023
    Chevrolet Silverado Insurance Cost in Nebraska
    2023 Chevrolet Silverado Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,786$316
    Safe Driver Age 20$3,312$276
    At-fault Accidents Age 40$2,356$196
    Low Deductibles Age 40$2,120$177
    Safe Driver Age 30$1,734$145
    Safe Driver Age 40$1,654$138
    Safe Driver Age 50$1,510$126
    Safe Driver Age 60$1,484$124
    High Deductibles Age 40$1,418$118
    Discount Rate Age 40$1,370$114

    Toyota Corolla insurance rates

    Toyota Corolla car insurance rates in Nebraska range from $1,178 to $3,198 per year for the driver profiles in the chart below. Toyota Corolla insurance costs an average of $1,418 per year or $118 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 2023 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.Data last updated on August 11, 2023
    Toyota Corolla Insurance Cost in Nebraska
    2023 Toyota Corolla Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,198$267
    Safe Driver Age 20$2,802$234
    At-fault Accidents Age 40$1,998$167
    Low Deductibles Age 40$1,828$152
    Safe Driver Age 30$1,492$124
    Safe Driver Age 40$1,418$118
    Safe Driver Age 50$1,292$108
    Safe Driver Age 60$1,266$106
    High Deductibles Age 40$1,206$101
    Discount Rate Age 40$1,178$98

    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 $1,208 to $3,326 per year for the example driver risk profiles, with average cost being $1,452 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 2023 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.Data last updated on August 12, 2023
    Honda Pilot Insurance Cost in Nebraska
    2023 Honda Pilot Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,326$277
    Safe Driver Age 20$2,912$243
    At-fault Accidents Age 40$2,054$171
    Low Deductibles Age 40$1,916$160
    Safe Driver Age 30$1,538$128
    Safe Driver Age 40$1,452$121
    Safe Driver Age 50$1,326$111
    Safe Driver Age 60$1,304$109
    High Deductibles Age 40$1,218$102
    Discount Rate Age 40$1,208$101

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Nebraska as shown in the chart below range from $1,194 to $3,258 per year, with the average cost being $1,436.

    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 2023 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.Data last updated on August 12, 2023
    Toyota Camry Insurance Cost in Nebraska
    2023 Toyota Camry Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,258$272
    Safe Driver Age 20$2,854$238
    At-fault Accidents Age 40$2,024$169
    Low Deductibles Age 40$1,878$157
    Safe Driver Age 30$1,516$126
    Safe Driver Age 40$1,436$120
    Safe Driver Age 50$1,310$109
    Safe Driver Age 60$1,286$107
    High Deductibles Age 40$1,208$101
    Discount Rate Age 40$1,194$100

    Chevrolet Camaro insurance rates

    The average cost for Chevrolet Camaro insurance in Nebraska is $1,978 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,644 to $4,474 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 2023 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.Data last updated on August 12, 2023
    Chevrolet Camaro Insurance Cost in Nebraska
    2023 Chevrolet Camaro Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,474$373
    Safe Driver Age 20$3,918$327
    At-fault Accidents Age 40$2,790$233
    Low Deductibles Age 40$2,550$213
    Safe Driver Age 30$2,080$173
    Safe Driver Age 40$1,978$165
    Safe Driver Age 50$1,802$150
    Safe Driver Age 60$1,768$147
    High Deductibles Age 40$1,682$140
    Discount Rate Age 40$1,644$137

    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.