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What Used Cars Are the Cheapest to Insure in Nebraska

In Nebraska, the Volvo XC40, the Mazda CX-5, and the Mazda CX-3 are the cheapest used cars to insure. The Volvo XC40 costs $396 monthly for full coverage, while the liability-only coverage costs $197.

Aerial panorama of Lincoln, Nebraska under a dramatic sunset.

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What Used Cars Are the Cheapest to Insure in Nebraska?

Want to know the cheapest pre-owned vehicle to insure in Nebraska? We researched insurance quotes in the state to save you the effort!

This article covers insurance basics for the state of Nebraska and tips to save money on premiums. We also found the best insurance companies and answered frequently asked questions!

Nebraska Cheapest Used Cars to Insure

We input a basic driver profile into an insurance quote generator to compare 45 vehicles from the 2021 model year on the Insurance Institute for Highway Safety’s (IIHS) 2021 Top Safety Pick+ list. Here are the top three cheapest cars to insure in Nebraska:

1. 2021 XC40 by Volvo

The 2021 Volvo XC40 is the cheapest used vehicle to insure in Nebraska. This four-door SUV costs $396 per month for a full-coverage policy, while the state average is $107 per month. A liability-only policy is $197 per month.

The XC40 has several valuable standard safety features, including lane-departure warning and blind-spot detection. It gets 22 mpg in the city and 30 mpg on the highway.

2. 2021 CX-5 by Mazda

The second cheapest used car to insure in Nebraska is the 2021 Mazda CX. This four-door SUV is $433 per month for a full-coverage policy, and the state average is $107 per month. A liability-only policy is $201 per month.

The IIHS gave the CX-5 its top score across all but one of its crashworthiness test categories and a superior score on its vehicle-to-vehicle front-crash prevention test. The 2021 Mazda CX-5 gets 25 mpg in the city and 31 mpg on the highway for savings at the pump.

3. 2021 CX-3 by Mazda

The 2021 Mazda CX-3 is the third cheapest vehicle to insure in Nebraska. This subcompact SUV costs $438 per month for a full-coverage policy, and the state average is $107 per month. For a liability-only policy, the CX-3 is $217 per month.

Lane-departure warning and blind-spot detection features come standard in the CX-3, helping to keep drivers and passengers safe. The front-wheel-drive version gets 29 mpg in the city and 34 mpg on the highway.

The 45 Cheapest Used Vehicles to Insure in Nebraska

Car insurance concept. Safety of auto. Car toy in female hands on blue background top view.

We collected policy estimates for the 45 vehicles on the Insurance Institute for Highway Safety’s (IIHS) 2021 Top Safety Pick+ list. All 45 cars are ranked by their full coverage policy costs in ascending order. We also provided liability-only quotes for comparison.

Year Make Model Full Coverage Liability Only
2021 Volvo XC40 $396 $197
2021 Mazda CX-5 $433 $201
2021 Mazda CX-3 $438 $217
2021 Mazda CX-30 $440 $198
2022 Hyundai Tucson $447 $198
2021 Subaru Outback $449 $178
2021 Ford Bronco Sport $465 $179
2021 Chevrolet Trailblazer $466 $201
2021 Acura RDX $472 $208
2021 Honda Insight $476 $217
2021 Subaru Forester $481 $172
2021 Subaru Legacy $481 $195
2021 Mazda CX-9 $484 $191
2022 Honda Civic $500 $193
2022 Hyundai Santa Fe $502 $219
2021 Nissan Murano $508 $213
2021 Mazda 3 $509 $220
2021 Toyota Camry $510 $196
2021 Subaru Ascent $517 $214
2021 Toyota Highlander $523 $219
2021 Honda Accord $528 $194
2021 Audi Q5 $551 $178
2021 Nissan Altima $569 $216
2022 Mitsubishi Outlander $577 $248
2021 Volkswagen ID.4 $581 $186
2021 Acura TLX $584 $255
2021 Volvo V60 $606 $242
2021 Cadillac XT6 $614 $235
2021 Volvo S60 $614 $208
2021 Genesis G70 $627 $258
2021 Kia K5 $641 $218
2022 Genesis G70 $652 $257
2021 Audi A6 $659 $217
2021 Genesis GV80 $679 $230
2022 Kia Stinger $686 $242
2021 Volvo S90 $702 $198
2021 Lexus ES 350 $721 $215
2022 Lexus ES 350 $733 $214
2021 Nissan Maxima $747 $242
2021 Volvo V90 $791 $192
2021 Audi A6 allroad $820 $207
2021 Tesla Model 3 $823 $224
2021 Audi A7 $828 $216
2021 Genesis G80 $839 $233
2021 Genesis G90 $967 $214

Full Coverage vs. Liability Insurance Costs

Liability-only insurance is cheaper than full coverage, because it only covers the cost of repairs or medical bills for the other driver and passengers in an at-fault accident.

Nebraska Pre-owned Car Insurance Annual Averages 

Full-coverage policy

Liability-only policy


The Best Nebraska Car Insurance Companies

The three best automobile insurance companies in Nebraska are State Farm, Progressive, and Farmers Mutual Insurance co. of Nebraska.

We accessed the National Association of Insurance Commissioners (NAIC) Complaint Index to compare companies with more than 2% of the market share in Nebraska. We also didn’t include duplicate listings for the same company in the data.

Companies with lower Complaint Indexes indicate fewer complaints and happier claimants. You can see all of the rankings below.

Insurance Company

Market Share Percent of Total Complaints

Complaint Index

State Farm

21.45 N/A 1.18
Progressive 13.91 N/A


Farmers Mutual Insurance Co. of Nebraska

8.95 N/A 0.0

American Family Insurance

8.31 N/A 0.43
Farm Bureau Financial Services 6.67 N/A


Berkshire Hathaway Inc./Geico 6.13 N/A


Allstate Corp.

4.9 N/A 2.67





USAA 4.45 N/A


Farmers Insurance

3.15 N/A 0.73
Liberty Mutual 2.27 N/A


The Complaint Index data are national numbers from the NAIC.

Tips to Lower Insurance Premiums in Nebraska

Drivers in Nebraska can follow these tips to maximize discounts and minimize insurance premiums:

  • Maintain a high credit score
  • Shop around for lenders and negotiate
  • Keep a good driving record
  • Take a defensive driving course
  • Drive fewer miles
  • Bundle insurance policies

Research Methodology

We used an in-state address to help drivers in Nebraska identify the cheapest used vehicles to insure. Focusing on Nebraska data means that our information is more relevant and accurate for drivers in Nebraska than national averages.
Applying a Nebraska address and a basic driver profile, we input the 45 aforementioned vehicles through an insurance quote generator.

Basic Driver Profile

  • 35-year-old male with a bachelor’s degree
  • Single and employed full time
  • Homeowner, but did not bundle policies
  • Owns the vehicle rather than leased or financed
  • Been with the current insurance carrier for five or more years

We used vehicles on the IIHS 2021 Top Safety Pick+ 2021 list. The IIHS is an independent, nonprofit organization that collects safety data for cars on the market.

We used the following limits for liability-only quotes:

  • $100,000/$300,000 liability limits
  • $100,000 property damage limits
  • $10,000 personal injury protection

For the full coverage quotes, we included the following coverages with the liability selections:

  • $1000 deductible on collision coverage
  • $1000 deductible for comprehensive coverage
  • $50/$1500 rental reimbursement
  • $100 roadside assistance

Frequently Asked Questions

What is the cheapest SUV to insure in Nebraska?

The Volvo XC40 is the cheapest pre-owned SUV to insure in Nebraska. A full-coverage policy is $396 a month.

Are older cars cheaper to insure?

Older cars are cheaper to insure than new cars. A new car depreciates as soon as it leaves the lot, which makes them cheaper to insure. In addition, older vehicles are usually cheaper to replace or repair.

How much liability insurance is required in Nebraska?

Nebraska is a fault state and requires that drivers have an insurance policy with a bodily injury limit of $25,000 per person per accident, a total limit minimum of $50,000 per accident, and a minimum property damage coverage of $25,000.

What is the penalty for driving without insurance in Nebraska?

Drivers caught driving without car insurance in Nebraska will be charged with a Class II misdemeanor, face a penalty of at least $50, and have their license suspended. A license is reinstated when the driver pays the applicable penalty fees and files an SR-22 certificate.

What is the basic insurance for a car?

The basic insurance for a vehicle is liability insurance. It provides coverage for the other party’s property damage and medical bills in an at-fault accident. If you’re financing your car, the lender may also require you to have collision or comprehensive coverage.

What car has the highest insurance rates?

Lenders may increase insurance rates for luxury, rare, or high-performance cars and for trucks or SUVs with four-wheel drive modifications. These vehicles have higher rates because they are more expensive to replace, and parts and repairs cost more.


  1. (2023.) Largest Auto Insurance Companies in Nebraska. EverQuote. Retrieved April 16, 2023, from https://www.everquote.com/blog/car-insurance/largest-companies-nebraska/
  2. (2023.) Consumer Insurance Search Results. National Association of Insurance Commissioners. Retrieved April 16, 2023, from https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_CODE&COCODE=25178&:refresh
  3. (2022.) The Best Car Insurance in Nebraska for 2023. MoneyGeek. Retrieved April 16, 2023, from https://www.moneygeek.com/insurance/auto/best-car-insurance-nebraska/
  4. (2023.) What is the Average Cost of Auto Insurance in Nebraska? The Zebra. Retrieved April 16, 2023, from https://www.thezebra.com/auto-insurance/nebraska-car-insurance/ne-average-cost-of-auto-insurance/
  5. (2023.) Are Newer or Older Cars Cheaper to Insure? The General. Retrieved April 16, 2023, from https://www.thegeneral.com/blog/cheaper-to-insure-old-or-new-car/
  6. (2023.) Insurance for older Cars: Everything You Need to Know. Retrieved April 16, 2023, from https://www.caranddriver.com/car-insurance/a35877281/insurance-for-older-cars/
  7. (2023.) Nebraska Car Insurance Requirements. Nolo. Retrieved April 16, 2023, from https://www.nolo.com/legal-encyclopedia/nebraska-car-insurance-requirements.html
  8. (2023.) Penalties for Driving Without Insurance in Nebraska. ValuePenguin. Retrieved April 16, 2023, from https://www.valuepenguin.com/auto-insurance/nebraska/penalties-driving-without-insurance#:~:text
  9. (2022.) What Is SR-22 Insurance and What Does It Do? Forbes. Retrieved April 17, 2023, from https://www.forbes.com/advisor/car-insurance/how-much-car-insurance-do-you-need/
  10. (2023.) What Are the Most Expensive Cars To Insure in 2023? MarketWatch. Retrieved April 17, 2023, from https://www.marketwatch.com/guides/insurance-services/most-expensive-cars-to-insure/
  11. (n.d.) 2021 Volvo XC40. Car and Driver. Retrieved April 24, 2023, from https://www.caranddriver.com/volvo/xc40-2021.
  12. (n.d.) 2021 Mazda CX-5. Car and Driver. Retrieved April 24, 2023, from https://www.caranddriver.com/mazda/cx-5-2021.
  13. (n.d.) 2021 Mazda CX-3. Car and Driver. Retrieved April 24, 2023, from https://www.caranddriver.com/mazda/cx-3.
  14. (2023.) 2021 Mazda CX-3. Insurance Institute for Highway Safety. Retrieved April 24, 2023, from https://www.iihs.org/ratings/vehicle/mazda/cx-3-4-door-suv/2021.
FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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