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Nebraska Car Insurance

Nebraska Car Insurance

Our Nebraska Car Insurance Helps People Save

Nebraska car insurance law requires that you are able to pay for the costs associated with an accident that involves another driver or their property. In terms of uninsured drivers, Nebraska is well below the national average. Help keep this statistic accurate by following the law and maintain your car insurance coverage. We provide the cheapest car insurance quotes, and our quotes are free. Contact us today!

Liability insurance is required by law in the Cornhusker State. To help you find the Nebraska car insurance that is right for you, we have information on both the minimum limits required by law, as well as the optional types of coverage that can protect you beyond the minimum. 

Minimum Car Insurance Requirements

Nebraska Car Insurance

The liability requirements for car insurance in Nebraska are as follows: 

  • $25,000 for bodily injury, per person 
  • $30,000 per accident that multiple people are injured in for bodily injury
  • $25,000 for property damage, per accident

Optional Nebraska Automobile Insurance

Nebraska Car Insurance

While adding more optional coverage than the state requires means your car insurance rates will go up, often these increases are very small and present a fantastic value for you. This additional protection can save you hundreds of dollars.

Here are a few optional coverages that you want to consider:

Collision Insurance: This helps take care of your repair costs associated with a traffic accident, regardless of who is at fault.

Comprehensive Insurance: This coverage can include damage from sources such as windstorms, fire, vandalism, and theft. It also covers other non-accident related sources of damage.

Uninsured Motorist Coverage: It covers costs that you come from the result of a car accident that is the fault of another driver who does not have (or for Underinsured Motorist Coverage, have enough) insurance to cover your expenses. This covers your costs only when the other driver is at fault.

Personal Injury Protection (PIP): Another name for No-fault insurance, this covers costs and the for you and your family members if injured in a traffic accident. This coverage pays for costs regardless of who is at fault.

Lease Gap Insurance (GAP): This protects you if you owe money on your car and get into an accident.

Towing and labor

Rental Reimbursement

Sometimes collision and comprehensive coverage are required (by the lender) if you are financing your vehicle.

Nebraska Car Insurance Violations

The most affordable option in Nebraska for car insurance involves simply having it. If you are pulled over or in an accident and so not have insurance, or are unable to provide proof of insurance, there are a number of penalties that you may face. These include, but are not limited to:

  • A fine for each offense
  • A suspension of your driver’s license
  • A revocation of your driver’s license
  • The adding of violation points to your driving record.

These violations can add up to a lot of money in fines, penalties, and lost wages from not being able to get to work. Contact us today to get an auto insurance policy that fills your needs.

Nebraska Auto Insurance Plan

Nebraska Car Insurance

If you have difficulties obtaining car insurance because car insurance companies won’t sell you a plan, Nebraska guarantees that you will have an option. Auto insurance companies in Nebraska are all participants in the Nebraska Automobile Insurance Plan. This helps each car insurance company share the risk of providing insurance to drivers that cannot fins insurance otherwise. The DMV recommends that you exhaust all other options before utilizing the Nebraska Automobile Insurance Plan, as car insurance rates through the plan are higher than average.

Final Notes

The state of Nebraska recommends that you have Nebraska car insurance that meets the minimum limits required. This can not only save you money in fines and penalties but also protects you from paying costly bills for injury and damages that can be avoided. Insurance companies offer car insurance discounts for things such as having a good driving record and safety devices. To get the cheapest auto insurance and the best auto insurance premium, take advantage of our free and easy quote today!

Rank City Avg. Annual Premium
1 Scottsbluff $1,488
2 McCook $1,476
3 Omaha $1,453
4 Gering $1,451
5 Blair $1,447
6 Lexington $1,429
7 North Platte $1,395
8 Alliance $1,372
9 South Sioux City $1,346
10 Crete $1,341
11 Bellevue $1,328
12 Kearney $1,327
13 Seward $1,313
14 Beatrice $1,305
15 Papillion $1,298
16 La Vista $1,297
17 Hastings $1,291
18 York $1,289
19 Fremont $1,281
20 Nebraska City $1,270
21 Lincoln $1,255
22 Norfolk $1,242
23 Grand Island $1,220
24 Columbus $1,209