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 $1,474 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.

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 December 30, 2022
Average Car Insurance Cost in Nebraska
Average Car Insurance Cost in Nebraska
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,484$207
$500$2,934$245
$250$3,406$284
30$1,000$1,300$108
$500$1,552$129
$250$1,814$151
40$1,000$1,244$104
$500$1,474$123
$250$1,714$143
50$1,000$1,134$95
$500$1,342$112
$250$1,558$130
60$1,000$1,114$93
$500$1,318$110
$250$1,530$128

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.

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 December 30, 2022
Nebraska Car Insurance Rates for Popular Vehicles
Nebraska Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,126$94
Honda CR-V$1,250$104
Nissan Rogue$1,356$113
Toyota RAV4$1,364$114
Toyota Camry$1,400$117
Ford F150$1,496$125
Jeep Cherokee$1,600$133
Chevrolet Silverado$1,612$134
Ram Truck$1,612$134
Chevrolet Corvette$1,816$151

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.

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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$1,180-$294
Ohio$1,230-$244
Wisconsin$1,260-$214
Indiana$1,318-$156
North Dakota$1,462-$12
Nebraska$1,474--
Minnesota$1,512$38
Illinois$1,546$72
Kansas$1,738$264
South Dakota$1,812$338
Missouri$1,990$516
Michigan$2,414$940

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.

Top 50 Cheapest Vehicles to Insure in Nebraska
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,114$93
2Subaru Crosstrek$1,126$94
3Nissan Kicks$1,130$94
4Honda Passport$1,144$95
5Nissan Rogue Sport$1,148$96
6Mazda CX-5$1,158$97
7Buick Encore$1,174$98
8Buick Envision$1,178$98
9Kia Seltos$1,194$100
10Subaru Ascent$1,198$100
11Hyundai Venue$1,202$100
12Subaru Impreza$1,220$102
13Chevrolet Colorado$1,224$102
14Ford Maverick$1,224$102
15Honda HR-V$1,226$102
16Acura RDX$1,230$103
17Hyundai Kona$1,236$103
18Subaru Forester$1,242$104
19Ford Edge$1,248$104
20Honda CR-V$1,250$104
21Mazda CX-30$1,252$104
22Ford Explorer$1,256$105
23Volkswagen Atlas$1,258$105
24Chevrolet Trax$1,266$106
25Nissan Murano$1,266$106
26Subaru Outback$1,268$106
27Nissan Frontier$1,272$106
28Volkswagen Tiguan$1,280$107
29Ford Bronco Sport$1,284$107
30Fiat 500X$1,306$109
31Ford Ranger$1,308$109
32GMC Terrain$1,308$109
33Kia Soul$1,310$109
34Mitsubishi Eclipse Cross$1,312$109
35Volkswagen Atlas Cross Sport$1,316$110
36Lexus RX 350$1,320$110
37Acura Integra$1,324$110
38Chevrolet Equinox$1,324$110
39Cadillac XT4$1,328$111
40Toyota Corolla Cross$1,330$111
41Volkswagen Taos$1,334$111
42GMC Canyon$1,336$111
43Mazda CX-50$1,344$112
44Toyota Venza$1,344$112
45Honda Odyssey$1,346$112
46Toyota Tacoma$1,346$112
47Volkswagen Jetta$1,346$112
48Hyundai Tucson$1,348$112
49Ford Escape$1,350$113
50Kia Sorento$1,352$113

    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 December 30, 2022
    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 December 30, 2022
    Nebraska Car Insurance Rates by Vehicle Segment
    Nebraska Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,340$112
    Midsize Pickup$1,392$116
    Midsize SUV$1,438$120
    Minivan$1,444$120
    Compact Car$1,468$122
    Midsize Car$1,504$125
    Compact Luxury SUV$1,596$133
    Half-ton Pickup$1,598$133
    Large SUV$1,612$134
    Compact Luxury Car$1,620$135
    Heavy Duty Pickup$1,694$141
    Large Car$1,714$143
    Midsize Luxury SUV$1,714$143
    Midsize Luxury Car$1,874$156
    Sports Car$2,014$168
    Large Luxury SUV$2,168$181
    Large Luxury Car$2,274$190

    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 $1,612 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.

    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 December 30, 2022
    Chevrolet Silverado Insurance Cost in Nebraska
    Chevrolet Silverado Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,686$307
    Safe Driver Age 20$3,226$269
    At-fault Accidents Age 40$2,296$191
    Low Deductibles Age 40$2,064$172
    Safe Driver Age 30$1,686$141
    Safe Driver Age 40$1,612$134
    Safe Driver Age 50$1,470$123
    Safe Driver Age 60$1,446$121
    High Deductibles Age 40$1,378$115
    Discount Rate Age 40$1,334$111

    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.

    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 December 30, 2022
    Toyota Corolla Insurance Cost in Nebraska
    Toyota Corolla Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,120$260
    Safe Driver Age 20$2,734$228
    At-fault Accidents Age 40$1,948$162
    Low Deductibles Age 40$1,782$149
    Safe Driver Age 30$1,454$121
    Safe Driver Age 40$1,384$115
    Safe Driver Age 50$1,258$105
    Safe Driver Age 60$1,234$103
    High Deductibles Age 40$1,176$98
    Discount Rate Age 40$1,148$96

    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.

    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 December 29, 2022
    Honda Pilot Insurance Cost in Nebraska
    Honda Pilot Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,242$270
    Safe Driver Age 20$2,836$236
    At-fault Accidents Age 40$2,002$167
    Low Deductibles Age 40$1,868$156
    Safe Driver Age 30$1,496$125
    Safe Driver Age 40$1,416$118
    Safe Driver Age 50$1,292$108
    Safe Driver Age 60$1,268$106
    High Deductibles Age 40$1,188$99
    Discount Rate Age 40$1,176$98

    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.

    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 December 30, 2022
    Toyota Camry Insurance Cost in Nebraska
    Toyota Camry Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,176$265
    Safe Driver Age 20$2,782$232
    At-fault Accidents Age 40$1,972$164
    Low Deductibles Age 40$1,830$153
    Safe Driver Age 30$1,478$123
    Safe Driver Age 40$1,400$117
    Safe Driver Age 50$1,276$106
    Safe Driver Age 60$1,252$104
    High Deductibles Age 40$1,178$98
    Discount Rate Age 40$1,164$97

    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.

    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 December 30, 2022
    Chevrolet Camaro Insurance Cost in Nebraska
    Chevrolet Camaro Insurance Cost in Nebraska
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,362$364
    Safe Driver Age 20$3,820$318
    At-fault Accidents Age 40$2,722$227
    Low Deductibles Age 40$2,482$207
    Safe Driver Age 30$2,026$169
    Safe Driver Age 40$1,926$161
    Safe Driver Age 50$1,756$146
    Safe Driver Age 60$1,722$144
    High Deductibles Age 40$1,638$137
    Discount Rate Age 40$1,598$133

    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.