Cheapest Car Insurance in Hastings, NE

• SUV models like the Chevrolet Trailblazer, Nissan Kicks, and Buick Envision are the best choices for the cheapest auto insurance in Hastings.
• Hastings car insurance averages $2,186 per year, or $182 as a monthly expense.
• Monthly car insurance rates for a few popular vehicles in Hastings include the Honda CR-V at $155, Hyundai Elantra at $198, and Ram Truck at $211.

Which cars are cheapest to insure?

When comparing rates for all models, the vehicles with the lowest cost average car insurance prices in Hastings, NE, tend to be compact SUVs like the Kia Soul, Chevrolet Trailblazer, and Hyundai Venue. Average auto insurance quotes for the vehicles ranked in the top ten cost $1,790 or less per year ($149 per month) for full coverage.

Some other models that rank in the top 20 in the comparison table below are the Acura RDX, Buick Envista, Nissan Murano, and Volkswagen Tiguan. Insurance rates are a little bit more for those models than the cheapest crossovers and small SUVs that rank near the top, but they still have an average insurance cost of $1,898 or less per year ($158 per month).

The next table shows the vehicles with the cheapest overall insurance rates in Hastings, ordered by cost.

Some other popular models making the top 30 above include the Chevrolet Colorado, the Acura Integra, the Nissan Leaf, and the Subaru Forester. Auto insurance rates for those models cost between $1,898 and $1,948 per year in Hastings, NE.

To put the rates of the cheapest vehicles in perspective, some models with much more expensive insurance include the Toyota Mirai costing an average of $227 per month, the Audi S3 at $204, and the Lexus LC 500h which averages $273.

How much does car insurance cost in Hastings?

The average car insurance cost in Hastings is $2,186 per year, which is 4% less than the U.S. overall average rate of $2,276. The average cost per month for car insurance in Hastings is $182 for full coverage.

Average auto insurance cost in Nebraska is $2,234 per year, so drivers in Hastings pay an average of $48 less per year than the Nebraska state-wide rate. When compared to other larger cities in Nebraska, the cost of auto insurance in Hastings is $12 per year more expensive than in Fremont, $36 per year less than in Kearney, and $38 per year more expensive than in Lincoln.

The chart below shows average Hastings auto insurance rates for 2024 model year vehicles not only by the age of the driver, but also by three different policy deductible amounts.

Average car insurance rates in the prior chart range from $1,534 per year for a policy with high deductibles for a 60-year-old driver to $5,116 per year for a 20-year-old driver with low physical damage deductibles.

When the rates shown in the chart are converted to monthly figures, the average cost of car insurance per month in Hastings ranges from $128 to $426.

Hastings car insurance rates are priced differently for every driver and small changes in driver risk profiles can have substantial effects on car insurance cost. Due to the fact that rates are so variable, this stresses the need for multiple auto insurance quotes when shopping online for the cheapest car insurance coverage.

The age of the driver has the single biggest impact on the price of auto insurance. The list below illustrates these differences by showing the difference in average car insurance rates in Hastings for driver ages from 16 to 60.

Average car insurance rates in Hastings, Nebraska, for drivers age 16 to 60

• 16 year old – $7,785 per year or $649 per month
• 17 year old – $7,542 per year or $629 per month
• 18 year old – $6,758 per year or $563 per month
• 19 year old – $6,155 per year or $513 per month
• 20 year old – $4,398 per year or $367 per month
• 30 year old – $2,332 per year or $194 per month
• 40 year old – $2,186 per year or $182 per month
• 50 year old – $1,938 per year or $162 per month
• 60 year old – $1,816 per year or $151 per month

The rates in the list above for average cost of car insurance for teen drivers assumed the gender of the driver was male. The next chart goes into more detail for teenage car insurance rates and illustrates average teen driver rates in Hastings by gender. Females generally have cheaper auto insurance rates, especially as teenagers.

Car insurance for a 16-year-old female in Hastings costs an average of $510 less than a male driver per year, while at age 19, the cost difference is less but females still cost $949 less per year.

This next article section goes into more detail about the average cost of car insurance by vehicle segment. The average rates shown in the chart will provide a good idea of which vehicles have the most affordable Hastings auto insurance rates.

Cheapest insurance rates by type of vehicle

If you’re shopping for a new or “new to you” vehicle, it’s important to have a basic understanding of which types of vehicles have more affordable insurance rates.

As an example, maybe you’re wondering if compact SUVs have more affordable insurance than compact cars or if sports cars cost more to insure than regular cars.

The chart below shows average car insurance cost by vehicle segment in Hastings. In general, compact SUVs and midsize pickup trucks tend to have the least expensive rates, with luxury, performance, and sports cars having the most expensive insurance.

Due to significant variation within each segment, regard insurance cost by segment as a rough guide, because it’s best to look at specific models to determine which vehicles in each segment have the cheapest car insurance rates.

For example, in the large luxury SUV segment, average Hastings insurance rates range from the Infiniti QX80 costing $2,452 per year for full coverage insurance to the Mercedes-Benz G63 AMG at $4,700 per year, a difference of $2,248 just within that segment.

As another example, in the midsize car segment, the average cost of insurance can range from the Kia K5 costing $2,108 per year to the Tesla Model 3 at $2,568 per year, a difference of $460 within that segment.

Finally, in the midsize luxury car segment, average rates can vary from the Mercedes-Benz CLA250 costing $2,250 per year to the BMW M8 at $3,686 per year.

Popular models and the cost of auto insurance

The car insurance costs referenced previously consist of an average based on every 2024 vehicle model, which is useful when making overall comparisons such as the cost difference between driver ages or locations. Average auto insurance rates work well when presented with a question like “is car insurance in Hastings cheaper than Grand Island?” or “is car insurance cheaper in Nebraska or Colorado?”.

But for more useful rate comparisons, the data will be more precise if we instead use rates for the specific make and model of vehicle being insured. Each individual model has unique characteristics for calculating the cost of auto insurance and this data makes it possible to perform insurance cost comparisons.

The list below displays average annual and monthly insurance rates for the more popular models cruising around Hastings.

Average auto insurance rates for popular Hastings vehicles

• Honda CR-V – $1,864 per year or $155 per month
• Hyundai Elantra – $2,376 per year or $198 per month
• Ram Truck – $2,528 per year or $211 per month
• Chevrolet Equinox – $2,014 per year or $168 per month
• GMC Sierra – $2,416 per year or $201 per month
• Tesla Model 3 – $2,568 per year or $214 per month
• Honda Accord – $2,112 per year or $176 per month
• Ford F150 – $2,444 per year or $204 per month
• Subaru Outback – $1,862 per year or $155 per month
• Nissan Altima – $2,368 per year or $197 per month

If you check to see which of the popular vehicles are in the previous table of the top 30 models with the cheapest car insurance rates, the vast majority actually have more expensive rates on average. Expensive insurance could be due to a higher-priced vehicle, like a Toyota Tundra with an average price of $39,965 or a Tesla Model Y with an average purchase price of $31,890. Another reason could be higher medical or liability insurance cost like a Ford F-250 Super Duty pickup, GMC Yukon XL, or Dodge Challenger.

Let’s take a look at some of the key concepts that we covered in this first section.

• Hastings, NE, average car insurance cost is less than the U.S. average – $2,186 (Hastings average) compared to $2,276 (U.S. average)
• Insuring teenagers is expensive in Hastings – The average cost ranges from $5,206 to $7,785 per year for car insurance for teens in Hastings.
• Hastings car insurance prices are cheaper than the Nebraska state average – $2,186 (Hastings average) versus $2,234 (Nebraska average)
• Low deductible car insurance costs more – A 20-year-old driver pays an average of $1,174 more per year for $250 deductibles versus $1,000 deductibles.
• Average car insurance cost per month ranges from $151 to $649 – That’s the average car insurance cost range for drivers age 16 to 60 in Hastings.

To help you understand the amount the cost of car insurance can change between drivers (and also emphasize the importance of accurate rate quotes), the examples below visualize a wide range of rates for three popular vehicles in Hastings: the Ram Truck, Kia Forte, and Nissan Rogue.

Each illustration uses a range of risk profiles to demonstrate how much rates can vary with only small changes in driver profile or coverage limits.

Ram Truck insurance rates

The least-expensive 2024 Ram Truck trim to insure in Hastings is the Tradesman Crew Cab 4WD model, costing an average of $2,236 per year, or around $186 per month. This model costs $43,270.

The most expensive 2022 Ram Truck to insure in Hastings is the TRX Final Edition 4WD, costing an average of $2,768 per year, or around $231 per month. The retail cost for this model is $109,435, before documentation and delivery charges.

When Hastings insurance rates for the Ram Truck are compared to the average cost for the entire U.S. for the same model, the cost is $216 to $268 less per year in Hastings, depending on trim level.

The bar chart below helps to visualize how the cost of insurance on a Ram Truck can be significantly different for different driver ages and common risk profiles.

For our example drivers, cost varies from $2,094 to $5,822 per year, which is a cost difference of $3,728 caused by changes to the driver risk profile.

The Ram Truck is considered a full-size truck, and other popular same-segment models include the Toyota Tundra, GMC Sierra, and Ford F150.

Kia Forte insurance rates

The least-expensive 2024 Kia Forte trim to insure in Hastings is the LX model, costing an average of $2,042 per year, or about $170 per month. This model has a MSRP of $19,790.

The most expensive 2022 Kia Forte trim to insure in Hastings is the GT Manual, costing an average of $2,218 per year, or about $185 per month. The MSRP for this trim is $25,190, before destination charges and documentation fees.

When Hastings car insurance quotes on a Kia Forte are compared to the overall national average cost on the same vehicle, rates are $202 to $220 less per year in Hastings, depending on the exact model being insured.

The next chart can help to visualize how the cost of insurance on a Kia Forte can be very different for a variety of different driver ages, policy deductibles, and policy risk factors.

The Kia Forte belongs to the compact car segment, and other popular models in the same segment include the Nissan Sentra, Toyota Corolla, and Honda Civic.

Nissan Rogue insurance rates

In Hastings, the cheapest insurance rates on a 2024 Nissan Rogue are on the S 2WD trim, costing an average of $1,864 per year, or around $155 per month. This model stickers at $29,360.

The most expensive 2022 Nissan Rogue model to insure in Hastings is the Platinum AWD model, costing an average of $2,060 per year, or around $172 per month. The retail cost for this model is $39,230, before destination and documentation charges.

When Hastings auto insurance rates for the Nissan Rogue are compared to the cost averaged for the entire U.S. for the same vehicle, rates are anywhere from $180 to $198 cheaper per year in Hastings, depending on the specific model being insured.

The chart below may help illustrate how the price of car insurance on a Nissan Rogue can change based on driver age, policy deductibles, and risk profiles. For our example drivers, cost varies from $1,632 to $4,490 per year, which is a difference of $2,858 caused by changing from low-risk to high-risk drivers.

The Nissan Rogue is part of the compact SUV segment, and other models in that segment include the Ford Escape, Chevrolet Equinox, Mazda CX-5, and Toyota RAV4.