Kearney, NE Car Insurance – 2024 Rate Comparisons + Free Quotes

• Average car insurance cost in Kearney is $1,610 per year, or about $134 per month.
• Car insurance rates for a few popular models in Kearney include the Honda Civic at $1,426 per year, Chevrolet Equinox at $1,482, and Honda CR-V at $1,374.
• Compact crossovers and SUVs like the Kia Soul, Nissan Kicks, Buick Envision, and Volkswagen Tiguan receive top rankings for cheap car insurance in Kearney.
• Auto insurance quotes in Kearney have significant variability from as little as $32 per month for minimum liability limits to over $677 per month for drivers requiring a high-risk policy.

What is average car insurance cost in Kearney?

Average car insurance rates in Kearney cost $1,610 per year, or about $134 per month. When compared to the overall U.S. national average rate, Kearney car insurance cost is 15.6% cheaper per year.

In the state of Nebraska, the average car insurance cost is $1,622 per year, so the cost in Kearney averages $12 less per year. When compared to other larger cities in Nebraska, the cost of insurance in Kearney is $70 per year more than in Lincoln, $124 per year less than in Omaha, and $2 per year cheaper than in Bellevue.

The next chart shows average auto insurance cost in Kearney broken out by driver age and physical damage coverage deductibles. Rates are averaged for all 2024 vehicle models including luxury vehicles.

Average rates in the chart range from $1,132 per year for a 60-year-old driver with $1,000 deductibles to $3,770 per year for a 20-year-old driver with $250 deductibles. The rate used in this article for comparison of different segments, models, and locations is a 40-year-old driver with $500 physical damage deductibles, which is an average cost of $1,610 per year.

As a monthly cost, average car insurance cost in Kearney ranges from $94 to $314 for the same risk profiles and driver ages shown in the previous chart.

Car insurance rates can be extremely variable and can also be very different depending on the company. Due to the fact that rates are so variable, this increases the need for accurate auto insurance quotes when shopping online for the cheapest auto insurance policy.

The age of the driver has the biggest impact on the cost of auto insurance. The list below illustrates this point by breaking out average car insurance rates depending on driver age.

Average car insurance cost for Kearney drivers age 16 to 60

• 16-year-old driver – $5,735 per year or $478 per month
• 17-year-old driver – $5,558 per year or $463 per month
• 18-year-old driver – $4,980 per year or $415 per month
• 19-year-old driver – $4,534 per year or $378 per month
• 20-year-old driver – $3,242 per year or $270 per month
• 30-year-old driver – $1,720 per year or $143 per month
• 40-year-old driver – $1,610 per year or $134 per month
• 50-year-old driver – $1,428 per year or $119 per month
• 60-year-old driver – $1,338 per year or $112 per month

The rates shown above for drivers age 16 to 19 assumed the gender of the driver was male. The chart below illustrates car insurance cost for teens by gender. In general, female drivers tend to have cheaper auto insurance, especially as teenagers.

Car insurance for a female 16-year-old driver in Kearney costs an average of $377 less per year than the cost for a male driver, while at age 19, the cost difference is smaller but females still pay an average of $700 less per year.

Popular vehicles and the cost of insurance

The car insurance costs referenced previously take all 2024 vehicle models and average them, which is useful for making general comparisons such as the cost for different driver ages or locations. But for more in-depth rate comparisons, we need to perform a rate analysis for the specific vehicle being insured.

In the next few sections, we get into much more detail for all different kinds of vehicles, but for now, we will just look at the most popular vehicles to discover how car insurance rates measure up in Kearney.

This next chart displays average car insurance rates for a handful of the more popular vehicles cruising around Kearney. Later on in this article, we’ll cover the cost of insuring some of these vehicles even more in-depth.

The models that have high popularity in Kearney tend to be compact and midsize cars like the Honda Civic and Nissan Altima and compact or midsize SUVs like the Ford Escape, Chevy Equinox, and Chevy Traverse.

Other popular vehicles from other segments include luxury models like the Infiniti Q50, Cadillac XT5, and BMW X5 and sports cars like the Audi TT, Ford Mustang, and Chevy Corvette.

We will get into more auto insurance rates a little farther in this article, but first, let’s rehash the concepts and comparisons that we have covered in the data above.

• Insurance for teens gets very expensive – Average cost ranges from $3,834 to $5,735 per year to insure a teen driver in Kearney, Nebraska.
• Car insurance rates decline considerably in your twenties – The average 30-year-old Kearney, Nebraska, driver will pay $1,522 less per year than a 20-year-old driver, $1,720 compared to $3,242.
• Average cost per month ranges from $112 to $478 – That is the average car insurance price range for drivers from age 16 to 60 in Kearney.
• Kearney car insurance cost is less than the U.S. average – $1,610 (Kearney average) versus $1,883 (U.S. average)
• Kearney auto insurance rates are cheaper than the Nebraska state average – $1,610 (Kearney average) compared to $1,622 (Nebraska average)
• Car insurance with low deductibles costs more – A 40-year-old driver pays an average of $522 more per year for $250 deductibles versus $1,000 deductibles.

In Kearney, which vehicles are cheapest to insure?

When comparing all car, pickup truck, and SUV models, the models with the lowest cost average car insurance rates in Kearney, NE, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Kia Soul, Hyundai Venue, and Toyota Corolla Cross.

Average auto insurance quotes for those compact SUVs cost $1,308 or less per year to get full coverage.

Other vehicles that are highly ranked in our cost comparison are the Chevrolet Colorado, Buick Envista, Kia Niro, and Volkswagen Taos.

The average cost is a little bit more for those models than the cheapest crossover SUVs that rank near the top, but they still have an average insurance cost of $1,382 or less per year in Kearney.

The following table shows the top 25 cheapest vehicles to insure in Kearney, ordered by annual cost.

The above table containing 25 vehicle rankings is fine if you just want a vehicle with dirt cheap insurance rates. Considering we track over 700 vehicles, less than 4% of makes and models are shown in the table.

Let’s take a different approach and break out the models with the cheapest rates a slightly different way, by vehicle segment. The following sections rank the models with the lowest cost insurance rates for the most popular automotive segments.

Cars with affordable insurance rates in Kearney, NE

Sitting at number one in Kearney for cheapest average insurance rates in the sedan and hatchback segment is the Toyota GR Corolla, with a cost of $1,398 per year. Second place is the Nissan Leaf costing $1,410 per year, the third most affordable is the Honda Civic, at an average of $1,426 per year, and in fourth place is the Nissan Sentra, costing an average of $1,472 per year.

Additional models that have cheaper rates are the Kia K5, Chevrolet Malibu, Hyundai Ioniq 6, and Honda Accord, with average insurance cost of $1,558 per year or less.

Some additional cars that make the list include the Toyota Crown, Mitsubishi Mirage G4, Kia Forte, Toyota Corolla, and Subaru Legacy, which cost between $1,558 and $1,666 per year for full-coverage insurance.

Full-coverage insurance in this segment for a good driver starts at an average of $117 per month, depending on where you live and the company you use.

If insurance rates are ranked by vehicle size, the most budget-friendly compact car to insure in Kearney is the Toyota GR Corolla at $1,398 per year. For midsize cars, the Hyundai Ioniq 6 has the cheapest rates at $1,478 per year. And for full-size cars, the Chrysler 300 has the best rates at $1,528 per year.

The table below ranks the cars with the lowest-cost auto insurance rates in Kearney, starting with the Toyota GR Corolla at $1,398 per year and ending with the Mazda 3 at $1,666 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Kearney car insurance quotes from top-rated auto insurance companies in Nebraska.

Non-luxury SUVs with cheap car insurance rates

The Subaru Crosstrek ranks in the top spot for the most budget-friendly SUV to insure in Kearney, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model costs an average of $1,190 per year for a policy with full coverage.

Also ranking well in our comparison are models like the Toyota Corolla Cross, Hyundai Venue, Mazda CX-5, and Ford Bronco Sport, with average insurance cost of $1,320 per year or less.

As a cost per month, full-coverage auto insurance on this segment in Kearney for an average middle-age driver starts at around $99 per month, depending on where you live.

The lowest-cost non-luxury compact SUV to insure in Kearney is the Subaru Crosstrek at $1,190 per year. For midsize SUVs, the Honda Passport has the best rates at $1,284 per year. And for full-size SUVs, the Chevrolet Tahoe is most affordable to insure at $1,514 per year.

The table below ranks the SUVs with the cheapest insurance in Kearney, starting with the Subaru Crosstrek at $1,190 per year ($99 per month) and ending with the Honda HR-V at $1,402 per year ($117 per month).

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see your SUV in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Nebraska.

Cheapest luxury cars to insure in Kearney

Ranking in the top five for the most affordable Kearney car insurance rates in the luxury car segment are the Acura Integra, Lexus IS 300, Mercedes-Benz CLA250, Acura TLX, and BMW 330i. Car insurance quotes for these 2024 models average $1,666 or less per year, or around $139 per month.

Some other luxury cars that have good average insurance rates include the Cadillac CT4, Lexus RC 300, Lexus ES 350, and Mercedes-Benz AMG CLA35, with average annual insurance rates of $1,694 per year or less.

From a monthly standpoint, auto insurance in this segment for a middle-age safe driver starts at an average of $119 per month, depending on the company and where you live.

The comparison table below ranks the twenty luxury cars with the lowest-cost auto insurance rates in Kearney.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Looking for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Nebraska.

Luxury SUVs with cheap auto insurance rates

Ranking highest for the cheapest Kearney car insurance rates in the luxury SUV segment are the Acura RDX, Lexus NX 250, Cadillac XT5, Cadillac XT4, and Jaguar E-Pace. Car insurance prices for these vehicles average $1,522 or less per year, or around $127 per month.

Not the cheapest luxury SUVs to insure, but still very reasonable, are luxury SUVs like the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus NX 350h, and Lexus NX 450h, with an average cost of $1,552 per year or less.

On a monthly basis, auto insurance rates in this segment for the average driver starts at around $112 per month, depending on your location.

The next table ranks the twenty luxury SUVs with the lowest-cost average insurance rates in Kearney, starting with the Acura RDX at $1,346 per year and ending with the Lexus NX 350 at $1,616 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see your luxury SUV in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Nebraska.

Pickups with cheap car insurance

The four top-ranked pickups with the lowest-cost average insurance rates in Kearney are the Chevrolet Colorado at $1,376 per year, Nissan Titan at $1,506 per year, Nissan Frontier at $1,524 per year, and Ford Ranger at $1,538 per year.

Additional pickups that have good average insurance rates include the GMC Canyon, Toyota Tacoma, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with an average cost to insure of $1,656 per year or less.

Car insurance rates for this segment in Kearney can cost as low as $115 per month, depending on the company. The next table ranks the twenty pickups with the cheapest insurance rates in Kearney, starting with the Chevrolet Colorado at $115 per month and ending with the Ram Truck at $155 per month.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see rates for your pickup? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Nebraska.

Sports cars with affordable insurance rates in Kearney

The Mazda MX-5 Miata ranks #1 as the most budget-friendly sports car to insure in Kearney, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model has an average cost of $1,492 per year for a policy with full coverage.

Additional sports cars that rank well in our comparison include the Toyota GR Supra, Nissan Z, Lexus RC F, and Subaru BRZ, with an average car insurance cost of $1,924 per year or less.

Ranking between positions 10 and 20, models like the Jaguar F-Type, Mercedes-Benz AMG GT53, Porsche 718, Lexus LC 500, BMW M3, and Porsche Taycan average between $1,924 and $2,728 per year for auto insurance.

Full-coverage auto insurance for this segment in Kearney for a good driver starts at around $124 per month, depending on your company and location.

The table below ranks the sports cars with the lowest-cost insurance rates in Kearney.

Don’t see insurance rates for your vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Nebraska.

How to find cheaper Kearney auto insurance quotes

Shrewd drivers should always be looking to reduce the monthly expense for car insurance, so look through the savings concepts in the list below and see if you can save a few dollars on your next renewal or new policy.

• Your job could save you a few bucks. The vast majority of car insurance providers offer discounts for specific occupations like members of the military, firefighters, doctors, lawyers, accountants, and others. Having this discount applied to your policy may save between $48 and $157 on your car insurance premium, depending on the age of the rated driver.
• Policy discounts save money. Discounts may be available if the policyholders insure their home and car with the same company, drive a vehicle with safety or anti-theft features, work in certain occupations, are homeowners, are claim-free, or many other discounts which could save the average Kearney driver as much as $274 per year.
• Stay claim free and save. Auto insurance companies give a discounted rate if you have no claims. Car insurance should be used to protect you from significant financial loss, not nickel-and-dime type claims.
• You don’t have to stick with the same company. Taking a few minutes to get free car insurance quotes is a fantastic way to save money. Rates change more often that you might think and you can change companies at any time.
• Improve your credit for cheaper auto insurance rates. Maintaining a high credit score could save a minimum of $253 per year when compared to a decent credit rating of 670-739. Conversely, a credit rating below 579 could cost around $293 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Reduce coverage on older cars. Dropping full coverage from older vehicles can reduce the cost of car insurance substantially.