Cheapest Car Insurance in Fremont, NE

Which cars get the cheapest auto insurance in Fremont, NE? We compared over 700 models to rank the 30 cars that have cheap overall car insurance rates.

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Cheapest cars to insure in Fremont

The vehicles with the most affordable car insurance rates in Fremont, NE, tend to be compact SUVs and crossovers like the Kia Soul, Subaru Crosstrek, Toyota Corolla Cross, and Nissan Kicks.

Average car insurance quotes for the models in the top 10 cost $1,748 or less per year ($146 per month) for a full coverage policy.

Some other models that are in the top 20 in our insurance cost comparison are the Volkswagen Tiguan, Subaru Outback, Volkswagen Taos, and Honda HR-V. Rates are a few dollars per month higher for those models than the cheapest crossovers and small SUVs at the top of the list, but they still have average rates of $1,856 or less per year.

The table below details the 30 car, truck, and SUV models with the cheapest auto insurance in Fremont, ordered by annual cost.

Cheapest Auto Insurance Rates in Fremont, Nebraska
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,576$131
2Chevrolet Trailblazer$1,604$134
3Kia Soul$1,666$139
4Nissan Kicks$1,680$140
5Honda Passport$1,700$142
6Buick Envision$1,710$143
7Toyota Corolla Cross$1,720$143
8Hyundai Venue$1,734$145
9Mazda CX-5$1,740$145
10Ford Bronco Sport$1,748$146
11Volkswagen Tiguan$1,766$147
12Acura RDX$1,784$149
13Nissan Murano$1,792$149
14Buick Encore$1,814$151
15Honda CR-V$1,818$152
16Subaru Outback$1,818$152
17Buick Envista$1,822$152
18Volkswagen Taos$1,826$152
19Kia Niro$1,838$153
20Toyota GR Corolla$1,854$155
21Honda HR-V$1,856$155
22Subaru Ascent$1,858$155
23Nissan Leaf$1,866$156
24Chevrolet Colorado$1,880$157
25Lexus NX 250$1,888$157
26Honda Civic$1,890$158
27Volkswagen Atlas$1,892$158
28Acura Integra$1,898$158
29Subaru Forester$1,898$158
30Kia Seltos$1,902$159

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fremont, NE Zip Codes. Updated June 26, 2025

Top 30 cheapest vehicles to insure in Fremont, NE with the Subaru Crosstrek ranking first at $1,576 per year
Top 30 cheapest vehicles to insure in Fremont, NE with the Subaru Crosstrek ranking first at $1,576 per year

A few additional vehicles worth noting making the top 30 above include the Nissan Leaf, Acura Integra, Honda Civic, Chevrolet Colorado, and Toyota GR Corolla. Average rates for those models fall between $1,856 and $1,902 per year.

In comparison to the cheapest rates, a few of the more expensive vehicles to insure include the Kia Stinger at $202 per month, the Toyota Tundra which averages $212, and the Tesla Model X at an average of $223.

For very high car insurance rates in Fremont, luxury and performance models like the BMW 750i and Mercedes-Benz G63 AMG have average rates that cost double or triple those of the cheapest models.

Average cost of car insurance in Fremont

Average car insurance rates in Fremont cost $2,134 per year, or around $178 per month. When compared to the overall national average rate, Fremont car insurance cost is 4% cheaper per year.

In the state of Nebraska, the average cost to insure a vehicle is $2,188 per year, so the average cost in Fremont is $54 less per year.

The average cost of car insurance in Fremont compared to other Nebraska locations is $40 per year less than in Kearney, $166 per year cheaper than in Omaha, and $26 per year more than in Lincoln.

The age of the driver is probably the number one factor that determines the price you pay for auto insurance, so the list below details how driver age influences cost by showing average car insurance rates in Fremont for different driver ages.

Fremont, Nebraska, car insurance cost by driver age

  • 16-year-old rated driver – $7,599 per year or $633 per month
  • 17-year-old rated driver – $7,360 per year or $613 per month
  • 18-year-old rated driver – $6,597 per year or $550 per month
  • 19-year-old rated driver – $6,005 per year or $500 per month
  • 20-year-old rated driver – $4,292 per year or $358 per month
  • 30-year-old rated driver – $2,274 per year or $190 per month
  • 40-year-old rated driver – $2,134 per year or $178 per month
  • 50-year-old rated driver – $1,892 per year or $158 per month
  • 60-year-old rated driver – $1,772 per year or $148 per month

The chart below shows a summary of auto insurance rates in Fremont for 2024 model year vehicles, averaged for an assortment of driver ages and policy risk profiles.

Average car insurance rates in Fremont for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Fremont for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for the 2024 model year 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 which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Fremont includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Fremont, NE
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,776$398
Safe Driver Age 20$4,178$348
At-fault Accidents Age 40$2,940$245
Low Deductibles Age 40$2,710$226
Safe Driver Age 30$2,210$184
Safe Driver Age 40$2,074$173
Safe Driver Age 50$1,838$153
High Deductibles Age 40$1,748$146
Safe Driver Age 60$1,724$144
Discount Rate Age 40$1,724$144

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

Average car insurance rates in the prior chart range from $1,772 per year for a 40-year-old driver who qualifies for many discounts to $4,906 per year for a 30-year-old driver with too many violations and accidents.

When the average rates are converted to monthly figures, the average cost of car insurance per month in Fremont ranges from $148 to $409.

This next section showcases the average cost of car insurance by vehicle segment. The average rates shown in the chart will provide a good understanding of which types of vehicles have the most affordable auto insurance rates in Fremont. The sections following the chart break out and rank the vehicles with the cheapest insurance rates for the most popular automotive segments.

Best vehicles for the cheapest insurance rates

When shopping for a different vehicle, it’s in your best interest to know which types of vehicles have better car insurance rates in Fremont. For example, maybe you want to know if midsize SUVs cost less to insure than small SUVs or if sports cars have more affordable insurance than luxury cars.

The chart below displays the average cost of car insurance rates in Fremont for different vehicle segments. From an overal segment perspective, small SUVs, vans, and midsize pickups tend to have the least expensive rates, with luxury and performance models having the highest average cost to insure.

Car insurance average cost by automotive segment in Fremont, NE.
Figure 2: Car insurance average cost by automotive segment in Fremont, NE. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Fremont Zip Codes.

Car Insurance Rates by Automotive Segment in Fremont, NE
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,960$163
Midsize SUV$2,108$176
Compact Car$2,108$176
Minivan$2,112$176
Midsize Pickup$2,154$180
Midsize Car$2,176$181
Compact Luxury SUV$2,314$193
Compact Luxury Car$2,346$196
Large SUV$2,356$196
Half-ton Pickup$2,364$197
Heavy Duty Pickup$2,452$204
Midsize Luxury SUV$2,534$211
Midsize Luxury Car$2,616$218
Sports Car$2,932$244
Large Car$3,068$256
Large Luxury SUV$3,302$275
Large Luxury Car$3,414$285

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Fremont, NE Zip Codes. Updated June 26, 2025

Rates by different vehicle segments are practical for getting a ballpark comparison, but rates vary substantially within each automotive segment shown in the previous chart.

For example, in the midsize car segment, average Fremont auto insurance rates range from the Kia K5 at $2,052 per year for full coverage insurance up to the Tesla Model 3 costing $2,506 per year, a difference of $454 just within that segment. In the midsize SUV segment, the cost of insurance varies from the Honda Passport costing $1,700 per year up to the Rivian R1S costing $2,622 per year, a difference of $922 just for that segment.

The car insurance costs referenced previously are an average for all 2024 vehicle models, which is helpful when making overall comparisons like the cost difference between driver ages or locations. For more useful cost comparisons, however, it makes better sense to compare rates for the exact make and model of vehicle being insured.

Now let’s look at the most popular vehicles to see how car insurance prices stack up in Fremont.

The chart below details average insurance cost for some of the more popular vehicles you’ll see on the streets of Fremont. Later in this article, we’ll explore the ins-and-outs of insuring some of these models even more in-depth.

Average cost to insure popular 2024 model year vehicles in Fremont.
Figure 3: Average cost to insure popular 2024 model year vehicles in Fremont. Rates updated on June 26, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Fremont Zip Codes.

Average Car Insurance Quotes for Popular Vehicles in Fremont, NE
Make/Model Annual Premium Cost Per Month
Mazda CX-5$1,740$145
Honda CR-V$1,818$152
Honda Civic$1,890$158
Nissan Rogue$1,916$160
Toyota Highlander$1,942$162
Nissan Sentra$1,956$163
Chevrolet Equinox$1,964$164
Toyota RAV4$1,968$164
Hyundai Tucson$1,984$165
Kia K5$2,052$171
Honda Pilot$2,078$173
Jeep Grand Cherokee$2,134$178
Toyota Tacoma$2,162$180
Toyota 4Runner$2,288$191
Toyota Camry$2,292$191
Hyundai Elantra$2,316$193
Ford Mustang$2,342$195
Chevrolet Silverado$2,360$197
Ford F150$2,388$199
Jeep Wrangler$2,434$203

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Fremont, NE Zip Codes. Updated June 26, 2025

To help clarify the amount that auto insurance prices can deviate from one person to the next, the examples below have a wide range of rates for three popular models in Fremont: the Chevrolet Silverado, Nissan Sentra, and Nissan Rogue.

Each example uses a variety of risk profiles to demonstrate the price fluctuation with only small changes in driver profile or coverage limits.

Chevrolet Silverado insurance rates

The cheapest 2024 Chevrolet Silverado trim to insure in Fremont is the EV WT model, costing an average of $1,998 per year, or about $167 per month. This trim stickers at $39,900.

The most expensive 2022 Chevrolet Silverado trim to insure in Fremont is the EV RST First Edition, costing an average of $2,798 per year, or about $233 per month. The MSRP for this model is $105,000, before documentation and delivery charges.

When Fremont car insurance rates on the Chevrolet Silverado are compared with the national average cost on the same vehicle, rates are $198 to $272 less per year in Fremont, depending on the model being insured.

The rate chart below shows how insurance rates for a Chevrolet Silverado can be very different based on different driver ages and common policy situations.

Average 2024 Chevrolet Silverado insurance premiums in Fremont for different driver ages and risk scenarios.
Figure 4: Average 2024 Chevrolet Silverado insurance premiums in Fremont for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 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 which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Fremont includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Fremont, NE
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,478$457
Safe Driver Age 20$4,788$399
At-fault Accidents Age 40$3,370$281
Low Deductibles Age 40$3,044$254
Safe Driver Age 30$2,512$209
Safe Driver Age 40$2,360$197
Safe Driver Age 50$2,098$175
High Deductibles Age 40$2,010$168
Safe Driver Age 60$1,962$164
Discount Rate Age 40$1,954$163

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 26, 2025

The Chevrolet Silverado is considered a full-size truck, and other models in that segment include the GMC Sierra, Ford F150, and Nissan Titan.

Nissan Sentra insurance rates

The average rate paid for Nissan Sentra insurance in Fremont is $1,956 per year. With sticker prices ranging from $20,630 to $23,720, average insurance rates for a Nissan Sentra cost from $1,912 per year for the Nissan Sentra S model up to $2,010 per year for the Nissan Sentra SR model.

When Fremont insurance rates for the Nissan Sentra are compared with the cost averaged for the entire U.S. for the same model, rates are anywhere from $186 to $196 less per year in Fremont, depending on the exact trim being insured.

From a cost per month standpoint, auto insurance on a Nissan Sentra can cost from $159 to $168 per month, depending on policy coverages and your address in Fremont.

The next chart may help you understand how the cost of insurance for a Nissan Sentra can be quite different based on changes in the age of the driver and common policy situations.

Average 2024 Nissan Sentra insurance premiums in Fremont for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Sentra insurance premiums in Fremont for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra 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 which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Fremont includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Fremont, NE
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,444$370
Safe Driver Age 20$3,866$322
At-fault Accidents Age 40$2,768$231
Low Deductibles Age 40$2,472$206
Safe Driver Age 30$2,074$173
Safe Driver Age 40$1,956$163
Safe Driver Age 50$1,750$146
High Deductibles Age 40$1,684$140
Safe Driver Age 60$1,630$136
Discount Rate Age 40$1,624$135

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated June 26, 2025

The Nissan Sentra is part of the compact car segment, and other popular same-segment models include the Honda Civic, Kia Forte, and Hyundai Elantra.

Nissan Rogue insurance rates

With prices ranging from $29,360 to $39,230, average Fremont insurance rates on a 2024 Nissan Rogue cost from $1,814 per year for the Nissan Rogue S 2WD model up to $2,006 per year for the Nissan Rogue Platinum AWD trim.

The next rate chart illustrates how the prices of car insurance on a Nissan Rogue can range considerably for different driver ages, policy deductibles, and driver risk scenarios.

For this example, rates range from $1,594 to $4,382 per year, which is a cost difference of $2,788.

Average 2024 Nissan Rogue insurance premiums in Fremont for different driver ages and risk scenarios.
Figure 6: Average 2024 Nissan Rogue insurance premiums in Fremont for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue 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 which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Fremont includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Fremont, NE
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,382$365
Safe Driver Age 20$3,824$319
At-fault Accidents Age 40$2,714$226
Low Deductibles Age 40$2,464$205
Safe Driver Age 30$2,040$170
Safe Driver Age 40$1,916$160
Safe Driver Age 50$1,706$142
High Deductibles Age 40$1,628$136
Safe Driver Age 60$1,598$133
Discount Rate Age 40$1,594$133

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 26, 2025

The Nissan Rogue is a compact SUV, and other popular models in the same segment include the Honda CR-V, Subaru Forester, Ford Escape, and Toyota RAV4.

Best practices for saving money on auto insurance

Financially savvy drivers are often looking to cut the monthly cost of car insurance, so glance through the money-saving ideas below and maybe you’ll find a way to save a few bucks when buying auto insurance.

  • Consider raising your deductibles. Boosting your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Stay claim free and save. Most insurers offer a discount for not filing any claims. Insurance should be used to protect you from significant claims, not for minor claims that can easily be paid out-of-pocket.
  • Be a careful driver and pay less for insurance. Having a few at-fault accidents can really raise rates, to the tune of $3,046 per year for a 20-year-old driver and even $522 per year for a 60-year-old driver. So drive safe and save!
  • Compare rates before you buy the car. Different vehicles, and even different trims of the same vehicle, can have very different insurance premiums, and insurers charge a wide range of prices. Get plenty of quotes to compare the cost of insurance before you buy a different car in order to prevent insurance sticker shock when you get the bill.
  • If your car is older, remove unneeded coverages. Removing physical damage coverage from vehicles that are older can reduce the cost of car insurance substantially.
  • Policy discounts mean cheaper auto insurance. Discounts may be available if the insured drivers are military or federal employees, drive a vehicle with safety or anti-theft features, are accident-free, are homeowners, insure multiple vehicles on the same policy, or many other policy discounts which could save the average Fremont driver as much as $362 per year.