In Nebraska, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Nebraska by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Nebraska
The Honda CR-V and Honda HR-V are the cheapest vehicles to insure in Nebraska, closely followed by the Hyundai Venue and Volkswagen Tiguan, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Nebraska and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda CR-V | $995 |
| Honda HR-V | $1,002 |
| Hyundai Venue | $1,013 |
| Volkswagen Tiguan | $1,027 |
| Chevrolet Express | $1,034 |
| Hyundai Kona | $1,036 |
| Kia Sportage | $1,046 |
| Mini Cooper Electric | $1,049 |
| Hyundai Tucson | $1,054 |
| Chevrolet TrailBlazer | $1,057 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Nebraska
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Nebraska
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,134. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $1,145, followed by Kia Forte, which costs $1,183 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Nebraska and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,134 |
| Nissan Versa | $1,145 |
| Nissan Sentra | $1,183 |
| Kia Forte | $1,183 |
| Honda Civic Sedan | $1,189 |
| Volkswagen Jetta | $1,191 |
| Honda Accord | $1,211 |
| Toyota Corolla | $1,226 |
| Toyota Camry | $1,247 |
| Volkswagen Jetta GLI | $1,259 |
| Hyundai Elantra | $1,273 |
| Chevrolet Malibu | $1,278 |
| Nissan Altima | $1,303 |
| Mitsubishi Mirage G4 | $1,308 |
| Mazda 3 Sedan | $1,325 |
| Kia K5 | $1,339 |
| Hyundai Sonata | $1,397 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Nebraska
In Nebraska, the Honda CR-V and Honda HR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $995 and $1,002 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $995 |
| Honda HR-V | $1,002 |
| Volkswagen Tiguan | $1,027 |
| Hyundai Kona | $1,036 |
| Kia Sportage | $1,046 |
| Hyundai Tucson | $1,054 |
| Chevrolet TrailBlazer | $1,057 |
| Mazda CX-5 | $1,060 |
| Chevrolet Equinox | $1,079 |
| Toyota RAV4 | $1,080 |
| Honda Pilot | $1,082 |
| Toyota Corolla Cross | $1,085 |
| Volkswagen Taos | $1,089 |
| Honda Passport | $1,096 |
| Mazda CX-30 | $1,106 |
| Jeep Wrangler | $1,109 |
| Kia Seltos | $1,111 |
| Nissan Kicks | $1,115 |
| Subaru Forester | $1,118 |
| Ford Escape | $1,124 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Nebraska
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,146.
The table below compares car insurance rates for different sports cars in Nebraska
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,146 |
| Honda Civic Si | $1,276 |
| Chevrolet Camaro | $1,340 |
| Ford Mustang | $1,495 |
| Subaru BRZ | $1,628 |
| Toyota GR86 | $1,673 |
| Toyota GR Corolla | $1,689 |
| Toyota GR Supra | $1,728 |
| Honda Civic Type R | $1,734 |
| BMW Z4 | $1,743 |
| Subaru WRX | $1,750 |
| Chevrolet Camaro ZL1 | $1,842 |
| Porsche 718 Boxster | $1,865 |
| Nissan Z | $1,912 |
| Chevrolet Corvette | $1,929 |
| Porsche 718 Cayman | $2,073 |
| Chevrolet Corvette Z06 | $2,467 |
| Jaguar F-Type | $2,486 |
| Porsche 911 | $2,803 |
| Porsche 911 GT3 | $3,037 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Nebraska
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,077, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Volvo XC40 at $1,177 and the Acura MDX at $1,215.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,077 |
| Volvo XC40 | $1,177 |
| Acura MDX | $1,215 |
| Cadillac XT4 | $1,259 |
| Acura Integra | $1,275 |
| Audi Q3 | $1,286 |
| Lincoln Corsair | $1,298 |
| Cadillac XT5 | $1,300 |
| Volvo XC60 | $1,321 |
| Acura TLX | $1,339 |
| Mercedes-Benz GLA-Class | $1,347 |
| BMW X3 | $1,355 |
| Lexus RX | $1,377 |
| Lexus NX | $1,395 |
| BMW X2 | $1,397 |
| Mercedes-Benz GLB-Class | $1,432 |
| Land Rover Discovery Sport | $1,452 |
| Cadillac XT6 | $1,460 |
| Audi A3 | $1,469 |
| Infiniti QX50 | $1,472 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Nebraska
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $3,436 a year or $286 a month.
Below is a list of the most affordable EVs to insure in Nebraska for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,049 |
| Kia Niro EV | $1,117 |
| Hyundai Kona Electric | $1,135 |
| Nissan Leaf | $1,161 |
| Volkswagen ID.4 | $1,236 |
| Chevrolet Silverado EV | $1,325 |
| Audi Q4 e-tron | $1,378 |
| Ford F-150 Lightning | $1,389 |
| Toyota bZ4X | $1,442 |
| Hyundai Ioniq 5 | $1,455 |
| Subaru Solterra | $1,478 |
| Toyota Mirai | $1,494 |
| Mercedes-Benz EQB | $1,514 |
| Kia EV6 | $1,530 |
| Hyundai Ioniq 6 | $1,590 |
| Ford Mustang Mach-E | $1,593 |
| Kia EV9 | $1,606 |
| Volvo XC40 Recharge | $1,618 |
| Cadillac LYRIQ | $1,631 |
| Jaguar I-Pace | $1,653 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Nebraska
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Honda CR-V is $3,534, while insuring a Chevrolet Express costs $3,664 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Nebraska?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,049 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $1,117 for the Kia Niro EV for the same coverage.
Which SUVs are the cheapest to insure in Nebraska?
In Nebraska, insuring a Honda CR-V SUV costs about $995 for six months, making it one of the most affordable options. The Honda HR-V and Volkswagen Tiguan also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Nebraska?
The Honda CR-V, Chevrolet Express, Honda Odyssey and Mini Cooper Electric are some of the cheapest cars to insure for 18-year-olds in Nebraska. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and Audi RS7 can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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