Cheap Nebraska Auto Insurance for 2023

Nebraska has a lot of open roads winding through its many cornfields, and if you are on them, you need insurance. Nebraska auto insurance law requires a minimum amount of coverage for all drivers.

Understanding auto insurance and how it works can help you to buy Nebraska auto insurance with confidence, and we have everything you need to know. Read on for laws, Nebraska auto insurance rates, and more.

If you want to find affordable Nebraska auto insurance right now, just enter your ZIP code to compare quotes from top companies.

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 in Nebrask are:

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

Optional coverage to add to your policy in Nebraska include:

• Comprehensive Coverage
• Collision Coverage
• Medical Payments Coverage
• Rental Car Reimbursement Coverage
• Roadside Assistance / Towing Coverage

Nebraska operates its 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 policyholder 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 policyholder 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.

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.

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

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.

Nebraska Auto Insurance Rates by Company

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

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 minuscule 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.

A price comparison tool will allow you to compare rates from multiple Nebraska auto insurance companies at once, so you can find the best choice for your needs.

Nebraska Auto Insurance Agents

If you’re looking for an auto insurance agent, check out the list below.

Nebraska Auto Insurance Agents

• Get Affordable Hooper, NE Auto Insurance Quotes (#current_year)
• Get Affordable Stella, NE Auto Insurance Quotes (#current_year)
• Get Affordable Wahoo, NE Auto Insurance Quotes (#current_year)

Additional Nebraska Auto Insurance Resources

Below you’ll find official resources for Nebraska insurance and driver licensing.

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