Home Car insurance Car insurance calculator Nebraska car insurance calculator Nebraska car insurance calculator Get a quick estimate of car insurance costs in Nebraska with our calculator, tailored to your car, coverage, and location. Compare rates and choose a policy that fits your budget. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 6, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Car insurance rates in Nebraska are influenced by more than just your ZIP code. Your car, level of coverage and driving record all matter – and the gap between the lowest and highest premiums can be hundreds of dollars each year. Enter a few details below to get a quick estimate of what you may pay. How to use our car insurance calculator to estimate your rates in Nebraska Getting an estimate takes less than a minute. Follow these steps:Choose your car’s model yearSelect the make and modelPick Nebraska as your stateClick ‘Get My Rates’ to view your estimateAdd additional vehicles to explore more options, or click ‘Get quotes’ to compare real-time rates Nebraska car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Nebraska Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Nebraska Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$725/year Liability coverage$914/year Full Coverage$2,739/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by: What affects your car insurance rate in Nebraska? Your car’s make, model, year and trimYour location within NebraskaYour coverage levelYour driving history, credit score and vehicle storage Does your vehicle model affect car insurance rates in Nebraska?A vehicle’s make and model can significantly impact car insurance rates. Make is the brand, while model is the specific vehicle you drive. For example, Honda is the make and Accord is the model.Insurers consider repair costs, claim frequency and theft rates when pricing coverage. Even similarly priced vehicles can have very different insurance costs.For example, full coverage for a Honda Accord LX costs $2,782 per year in Nebraska, while a Honda CR-V averages $2,346 – a difference of $436. A popular car doesn’t always mean cheaper insurance High theft rates or expensive repairs can drive up premiums. Always check insurance costs before purchasing a vehicle. Does your car’s model year affect insurance rates in Nebraska?Newer cars generally cost more to insure because they are more expensive to repair or replace. In Nebraska, insuring a 2024 Honda Accord LX costs $2,574, while the 2025 version costs $2,702.However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high. Check your state’s minimum coverage requirements Each state sets minimum insurance requirements, including Nebraska. To drive legally, you’ll need liability coverage that typically includes:Bodily injury liability per person and per accidentProperty damage liability According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection. Not carrying the required coverage can lead to fines, license suspension and even vehicle impoundment. Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Nebraska by citySee rates in your cityKearney Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now How does your car’s trim affect insurance rates in Nebraska?Your car’s trim can affect how much you pay for insurance. Trim refers to a particular version of a model that includes different features, equipment, or engine options, such as LX, EX, or Sport.For example, in Nebraska, full coverage for a 2024 Honda Accord LX costs $2,574 annually, while the Accord EX-L trim costs $2,639 – a difference of $65.Features like premium audio systems or advanced tech can increase rates by raising the car’s value. Performance trims may also increase premiums due to higher risk. You might find interesting Explore related topics Average car insurance cost in NebraskaCar insurance calculator for teens in NebraskaCheapest SR-22 insurance in NebraskaDo you need insurance to register a car in Nebraska?How much is gap insurance in NebraskaLow-cost car insurance in NebraskaNebraska car insurance: Rates, state minimum requirements and best companiesNon-owner car insurance in Nebraska: Which company has the cheapest rates?The best and cheapest car insurance in NebraskaSee more Upgrading your trim can increase insurance costs Higher trims often mean higher premiums because upgraded electronics, interiors, and components cost more to repair or replace. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance. How much does car insurance cost in Nebraska?The average cost of full coverage car insurance in Nebraska is $2,095 per year, or $175 per month. This gives you a general benchmark, but your actual rate may be higher or lower depending on your vehicle, coverage choices and personal details. Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,095$175Liability Only – 50/100/50 BI/PD$585$49State Minimum BI/PD$515$43Non-Owners$402$34Powered by: People also ask: What is full coverage car insurance? Full coverage car insurance is a policy that includes liability, comprehensive, and collision coverage. It may also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending on your needs and state requirements. How do car insurance rates vary by city in Nebraska?Where you live within Nebraska can have just as much impact on your premium as the coverage you choose. Insurers look at local traffic density, accident statistics, weather risks and theft rates when setting prices – which is why two drivers with identical profiles can pay very different amounts depending on their zip code.Full coverage costs $2,499 per year in Keystone, compared to $1,829 in Springfield.Top 20 cities with cheapest car insurance rates in NebraskaThese cities have the lowest average premiums in the state, typically because of lower traffic volume, fewer claims and reduced risk overall.CityAvg. Annual PremiumAvg. Monthly PremiumSpringfield$1,829$152Melia-Forest City$1,854$154Bennington$1,859$155Chicago$1,869$156Waterloo$1,871$156Fremont$1,873$156McArdle$1,875$156Millard$1,882$157Platte Valley$1,885$157Boys Town$1,895$158Plattsmouth$1,897$158Goehner$1,900$158Offutt AFB$1,914$160Panama$1,915$160Manley$1,921$160Fordyce$1,925$160Laurel$1,926$161Verdon$1,926$161Falls City$1,927$161Bellevue$1,928$161Powered by:Top 20 cities with most expensive car insurance in rates NebraskaThese cities carry the highest average premiums, driven by higher traffic density, accident rates and claim frequency.CityAvg. Annual PremiumAvg. Monthly PremiumKeystone$2,499$208Lisco$2,499$208Paxton$2,483$207Big Springs$2,481$207Brule$2,478$207Chappell$2,471$206Nenzel$2,469$206Whitman$2,464$205Kilgore$2,458$205Ogallala$2,452$204West Gordon$2,448$204Elsmere$2,447$204Arthur$2,446$204Oshkosh$2,446$204Merriman$2,445$204Crookston$2,442$204Lewellen$2,442$203Mullen$2,434$203Whiteclay$2,434$203Lemoyne$2,431$203Powered by: If you’re moving within Nebraska, check insurance rates before you go A move from a rural area to a major city can add hundreds of dollars to your annual premium – even if nothing else about your profile changes. Frequently asked questions What is the average cost of car insurance in Nebraska? The average cost of full coverage car insurance in Nebraska is $2,095 per year, or $175 per month. Your actual rate will depend on your vehicle, coverage level, driving history and location within the state. How can I lower my car insurance premium in Nebraska? The most effective ways to lower your premium are comparing quotes from multiple carriers, increasing your deductible, bundling your auto policy with home or renters insurance, maintaining a clean driving record, and choosing a vehicle that costs less to insure. Discounts for safe driving, good grades or low annual mileage can also add up. Does my credit score affect car insurance rates in Nebraska? In most states, insurers use a credit-based insurance score as one factor in setting your premium – a higher score typically means lower rates. However, California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit when determining rates. Check whether Nebraska has any restrictions on this practice. Sources:Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026. Estimate your Nebraska car insurance cost with our calculatorOur Nebraska car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearWashington, D.C.$3,465/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How to use our car insurance calculator to estimate your rates in NebraskaDoes your vehicle model affect car insurance rates in Nebraska?Does your car's model year affect insurance rates in Nebraska?How does your car's trim affect insurance rates in Nebraska?How much does car insurance cost in Nebraska?How do car insurance rates vary by city in Nebraska?Frequently asked questionsEstimate your Nebraska car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330