Everything You Need to Know About Auto Insurance in Nebraska

Nebraska is a state located in the Midwestern region of the United States. Its name originates from the Sioux Native American tribes, meaning “shallow water” or “broad water” or may also be an Otos Indian word meaning “flat river”, referring to the Platte River. The state is home to several cities, including its capital, Lincoln, and the most-populated city, Omaha.

According to natives of the Cornhusker State, visitors can check out Chimney Rock, a 400-ft. tall geological formation located in the Great Plains. Another fun place to see is Carhenge, a tongue-in-cheek imitation of the famous Stonehenge, only built with various vehicles.

Nebraska is also home to the crane migration in Sandhill – celebrated by visitors, artists and photographers. The two largest cities, Omaha and Lincoln, offer up their own reasons to come and stay for a few days, including culture in the form of zoos and museums and a wealth of history from this region’s past.

If you’re looking to find the best auto insurance at affordable rates in Nebraska, InsureOne’s experienced agents are here to help.

How Much Does Car Insurance Cost in Nebraska?

Nebraska stands out with its comparatively lower car insurance rates when compared to the national average. While the average annual cost for full coverage across the country is $2,014 and $622 for minimum coverage, Nebraskans enjoy average premiums of $1,624 for full coverage and just $359 for minimum coverage.

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Reasons Why Insurance Is So Cheap in Nebraska

Car insurance in Nebraska remains cost-effective compared to the national average, thanks to factors such as its low population density and predominantly rural landscape. With fewer congested areas and lower risks of car accidents, insurance premiums in the state tend to be more affordable.

Affordable Car Insurance Rates Comparison by Cities in Nebraska

Here is a comparison table of the average monthly premiums paid by drivers in different cities across Nebraska:

City Full Coverage Insurance Liability Insurance Coverage
Omaha $161 $37
Lincoln $162 $32
Nebraska City $156 $28
North Platte $178 $27
Kearney $170 $27

We arrive at our average auto insurance costs by using a male driver, aged 30 with a clean driving record. Minimum liability is the state-required minimum. Full coverage is a 100K/300K/100K policy. Your costs will be different and based on your individual factors.

How Much Money Can Bundling Car and Home Insurance Save You in the Cornhusker State?

In Nebraska, policyholders can take advantage of the significant savings that come with bundling their insurance together instead of purchasing separate policies from different providers. On average, residents could save up to 16% annually, equating to an average of $515 in savings. Bundling your home insurance with your car coverage is one option, although you can always add other products, such as renters or life for even more savings.

In addition, when it comes to securing the best deal on your car insurance coverage, take a look at these tips for negotiating a better car insurance premium.

What Types of Auto Discounts Are Available in Nebraska?

There are various types of driving discounts typically offered by insurers. One of the most common is the good driver discount, which involves saving money by not having any traffic ticket violations for a certain period.

Other discounts that can reduce rates include:

  • Multi-car
  • Anti-theft
  • Paperless billing
  • Low mileage
  • Good student
  • Loyalty
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Nebraska Car Insurance Laws

In Nebraska, car insurance laws mandate that drivers carry a mandatory 25/50/25 insurance policy. Also, uninsured/underinsured motorist coverage is required for all policies. Here’s a closer look at what this means.

What Are the Mandatory Car Insurance Requirements in Nebraska?

The state mandates a minimum amount of coverage, which includes:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident
  • $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage

What Is the Penalty for Driving Without Insurance in Nebraska?

In Nebraska, driving without insurance is classified as a Class II misdemeanor. For a traffic stop, expect to be served with a “No Proof of Insurance” citation, followed by a suspension. To reinstate their license, offenders need to submit a Letter of Verification to the Department of Motor Vehicles.

Any reinstatement of your driver’s license will be followed by a $50 fee and providing proof of financial responsibility by filing for an SR-22. An SR-22 is a certificate of insurance that proves you meet the state’s minimum liability coverage limits, which stays on file for three years from the date of the offense.

What Factors Does Nebraska Law Allow in Determining Your Premiums?

State law allows insurance companies to calculate your premium based on several aspects. Some of the top deciding factors are:

  • Gender
  • Age
  • Marital status
  • Location
  • Vehicle type
  • Driving record and experience
  • Credit history
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Here’s What You Need to Know When Driving in Nebraska

Nebraska is an at-fault state. Drivers found to be at fault for causing an accident must shoulder the costs of the property damage and injuries incurred by the other parties. Your liability insurance will help cover these expenses, which is why many drivers choose to increase their liability coverage. Anything not covered by your liability – plus your own damages – will come out of your pocket.

What Is Driving Like in Nebraska

Driving in Nebraska can be influenced by various factors, including the state’s transportation department and weather conditions.

The Nebraska Department of Transportation (NDOT) plays a crucial role in maintaining and improving the state’s road infrastructure. They are responsible for constructing and maintaining highways, bridges, and other essential transportation facilities. The department works diligently to ensure safe and efficient travel for residents and visitors alike.

The state experiences a diverse climate with hot summers and cold winters. Winter brings snowstorms and ice, while summer can have intense heat, thunderstorms and tornadoes.

How Many Car Accidents Happen in Nebraska?

Understanding and analyzing statistics regarding traffic accidents is crucial for promoting road safety. While it may be challenging to face the reality of such figures, they provide valuable insights into the causes and consequences of these incidents.

In the case of Nebraska, the data reveals a distressing fact: There were 221 traffic crash fatalities recorded in 2021, lower than the nation’s fatal crash rate.

This chart shows the number of deadly accidents in different counties and cities across Nebraska that same year.

Counties and cities Fatal Crashes in 2021
Omaha 28
Lincoln 12
Lincoln County 3
Douglas County 37
Kearney 2

Source: Nebraska and National Highway Transportation Safety Administration

How Many Uninsured/Underinsured Motorists Are in Nebraska?

More than 6.8% of motorists in this state were uninsured or underinsured in 2019. That means out of roughly 1.4 million drivers in the state, more than 97,000 are driving around without insurance.

Fortunately, uninsured motorist coverage is not expensive and if you are involved in a wreck caused by an uninsured (or underinsured) driver, you’ll be glad you have the right protection.

Get the Best Car Insurance in Nebraska Today

At InsureOne, we understand that finding the right auto insurance coverage without any hassle is important to you. That is why our team of experts is dedicated to helping you find the perfect policy that meets all your needs.

Getting a quote is easy and can be done online whenever you want. If you need extra help or have any questions, our friendly agents are just a phone call away at (800) 836-2240 or check out our convenient office locations.