Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

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Nebraska state flagFounded as one of the expansion territories of the new United States, Nebraska entered the Union in 1867 and hasn’t looked back. The state enjoyed an early population boom that soon transformed the barren, grassy lands into an agricultural powerhouse that has continued to this day. Below we’ll dig a little deeper into the mysteries of Nebraska auto insurance, and just how things operate in the “Cornhusker State”.

Nebraska Auto Insurance Laws And Minimums

In Nebraska, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $25,000 per accident

Uninsured Motorist coverage minimums:

  • Bodily Injury Coverage – $25,000 per person
  • Bodily Injury Coverage – $50,000 per accident

Optional coverage options in Nebraska include:

  • Comprehensive Coverage
  • Collision Coverage
  • Medical Payments Coverage
  • Rental Car Reimbursement Coverage
  • Roadside Assistance / Towing Coverage
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Nebraska operates their auto insurance laws under the ‘tort’ system, which the majority of states follow in some form or another. The main feature of this system is that when an accident occurs, one of the drivers or parties involved will be labeled the ‘at fault’ party. It is this person’s auto insurance that will pay out associated injury and property damage claims, and this driver will be the one subject to any subsequent legal action.

Drivers in the state are required to purchase a minimum amount of coverage in two different auto insurance policies. Bodily Injury Liability insurance covers the medical treatment, rehabilitation, lost wages and other injury related costs for the other drivers, passengers and pedestrians in an accident where the policy holder is the ‘at fault’ party. This means that your BIL coverage doesn’t pay your own costs, but the costs of others when you cause an accident. Drivers must have coverage of at least $25,000 per party, per accident and $50,000 for all parties in a single accident.

Property Damage Liability insurance works much the same, except as the name implies this coverage is targeted at property damage that results from an accident that you are ‘at fault’ for causing. Again, this insurance does not cover the policy holder or any of their property. For example, if Driver A causes a collision with Driver B and does $5,000 in body damage to their automobile, Driver A’s Property Damage Liability insurance will pay out to cover these costs. Drivers must have a minimum of $25,000 in coverage according to Nebraska auto insurance laws.

In addition, Nebraska drivers will need uninsured motorist coverage, which protects against damages from uninsured or under-insured drivers. The state minimums for this coverage type are $25,000 in bodily injury coverage per person and $50,000 in bodily injury coverage per accident.

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Average Auto Insurance Rates In Nebraska

Thanks to its lower population and distance from coastal shipping areas which are used to transport stolen automobiles out of the country, drivers in Nebraska enjoy auto insurance prices that are considerably lower than the national average of $1,440 per year. As of August 2011, drivers in Nebraska are looking at a statewide average of just $1,158 for a year of auto insurance, which is under $100 per month and very reasonable.

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Those who live in Nebraska’s major cities will pay slightly higher rates; drivers in Lincoln are looking at $1,192 per year and those in Omaha will pay an average of $1,440.

Let’s take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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Company vs state: NE Auto Insurance Rates by Company

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But which companies are the largest, holding the most market share percentage in the region?

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Nebraska Driving Statistics

Unfortunately, Nebraska was one of the only states that saw an increase in vehicle crashes for the most recent years in which data are available. Thankfully, the increase was miniscule and can be considered almost flat when looking at trends. In 2009, the state saw a total of 34,665 crashes, with 17,775 people injured and 223 fatalities resulting from these accidents. These numbers compare to 2008’s totals of 34,604 crashes, 17,799 injuries and 208 fatalities. Nebraska’s Department of Roads is committed to reducing these numbers, and with time it’s likely that the totals will fall further.

News is a bit better when considering auto theft statistics across the state. In 2009, just 3,481 vehicles were reported stolen; this represents a rate of 193.8 vehicles per 100,000 citizens, and helped Nebraska rank 31st in the country for instances of auto theft. These numbers are a major improvement over 2008, when the state saw 4,223 vehicles stolen, a rate of 237 vehicles per 100,000 citizens and a national ranking of 28th highest. For comparison, the state of Nebraska is the 38th largest state in the country by population. This is most likely the short term goal of lawmakers and law enforcement as they work to bring down the state’s auto theft numbers. As this number comes down, auto insurance premiums will also fall as the risk of auto theft that insurers have to make up for declines.

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Getting An Insurance Quote In Nebraska

4AutoInsuranceQuote.com wants to make finding the best prices for Nebraska auto insurance simple, and we’ve built an excellent tool right into this web page that can help.

To get started with our price comparison tool which scours quotes from the many companies offering auto insurance in the state simply scroll up to the top of this page. Once there, you will see a form where you can enter your ZIP code. Enter in your ZIP and the tool will take care of the rest!

Thanks for visiting 4AutoInsuranceQuote.com and safe travels!

Nebraska Auto Insurance Agents

Nebraska Auto Insurance Agents

Additional Nebraska Auto Insurance Resources