Nebraska Auto Insurance

Auto insurance in Nebraska

Auto insurance is regulated and enforced through legal means, helping vehicle owners stay protected in case of accidents. Whether the respective vehicle is used for personal or professional purposes, having insurance is not optional. Should a vehicle owner drive without adequate insurance, he/she is liable to pay fines of up to $1,000 or the driving documents might be suspended. This can refer to either the driver's license or vehicle registration, for up to six months. If you are looking to discover more information on the topic of auto insurance in Nebraska, all you have to do is keep on reading.

What type of car insurance do you legally need in Nebraska?

According to the Mandatory Liability Insurance Act, all Nebraska residents who operate a moving vehicle must be covered by a liability insurance policy. If the mandatory insurance is absent, the respective driving documents might be suspended for several months or even more. All states have access to an online insurance verification system, which they can use to verify whether a vehicle has insurance or not.

For a resident to operate a vehicle in the state of Nebraska, the respective auto insurance must meet several requirements. These include: bodily injury liability ($50,000 per accident and $25,000 per person), property damage liability ($25,000 per accident), uninsured/underinsured motorist bodily injury ($50,000 per accident and $25,000 per person). It is worth mentioning that the full coverage insurance has more advantages to offer than the minimum liability coverage, especially since drivers can add options such as comprehensive and collision insurance. The recommendation is to choose a higher liability coverage limit than the one imposed by law in Nebraska. As a result, you will be protected, should the worst-case scenario occur.

The above-mentioned sums are the ones insurance providers will pay, should the driver be involved in an accident for which he is at fault. According to the current laws, all drivers are obliged to carry a copy of their insurance policy while driving. In the state of Nebraska, as in the other states, it is illegal to drive without a valid insurance policy. Consequences include legal fines and the suspension of once driving documents, meaning the driver's license and vehicle registration. In case of repeated infractions, with drivers continuing to operate the vehicle without adequate insurance, jail time might be legally enforced.

Average cost of auto insurance in Nebraska

The state minimum auto insurance policy in Nebraska has a value of $425. However, a full coverage insurance policy has an average value of $1,589. Collision and comprehensive coverages are not always included in this policy, so you will have to calculate your budget accordingly. Several factors influence the overall insurance rates, meaning: marital status, gender, age, location, driving record, presence of prior insurance, vehicle, number of miles driven, etc. Vehicle owners are encouraged to choose an insurance policy that offers the best possible coverage, not the ones with the lowest rates.

The average cost of auto insurance varies from one state to the other, with such differences being valid for both the minimum and full coverage. Variations exist for the additional coverages as well, including for comprehensive and collision insurance. The factors influencing these values include: weather-related accidents, at-fault accidents, number of drivers versus the general populations, number of uninsured drivers in the respective location, and road conditions.

Nebraska has a lower rate for the average auto insurance than the national median, which is around $1,770. The states with the most expensive auto insurance policies include: California, Colorado, Florida, Louisiana, Michigan, Nevada, New York, and Pennsylvania. As for the most affordable states, these are: Maine, Nebraska, New Mexico, North Dakota, Oregon, Tennessee, Washington, and Wisconsin. New York has some of the most expensive auto insurance policies, with $2,996 for the full coverage and $1,339 for the minimum one. Maine is the most affordable, with $876 for the full coverage and $227 for the minimum one.

Within the state of Nebraska, vehicle owners might also find variations between the different cities. Lincoln has some of the most affordable rates, while Omaha stands at the top of the list in terms of costs. The average annual premiums are as follows: Lincoln - $1,558; Bellevue - $1,689; Grand Island - $1,709; Kearney - $1,756; Omaha - $1,805.

The driver's age represents one of the main factors influencing the value of auto insurance. young drivers usually pay more for this type of insurance, as they are seen by insurance providers as irresponsible and more likely to cause accidents. A teenage driver can expect an annual premium of over $7,700, while a middle-aged driver will be prepared to pay a premium that is close to $2,000. There are also differences between genders worth mentioning, with men benefiting from more attractive rates. The same goes for married couples who enjoy the most affordable coverages, as opposed to those who are widowed, divorced, or single.

The value of a potential coverage policy might be influenced by the driver's credit history. Drivers with an exceptional credit will save sums of money on their car insurance premiums, as opposed to those with a poor credit history, who might struggle to pay the higher rates. Prior driving offenses, such as speeding, at fault accidents, reckless driving, DUI/DWI, might also increase the insurance premium. Of course, drivers can also expect the overall rates to vary in accordance with the type of coverage. Vehicle owners are encouraged to add both comprehensive and collision insurance to the state minimum policy, in order to increase the level of protection offered.

Did not find your city or county on the list? Please use our auto insurance companies search box at the top to locate all the best auto insurance quotes in Nebraska. Find car insurance in Nebraska by city, zip code or county name.

Finding the right auto insurance in Nebraska

If you need help finding the right insurance policy, we invite you to come to us. thanks to our experience and knowledge accumulated in the field of our auto insurance, we are able to match vehicle owners with the best possible policies for their needs. In suggesting a particular policy, we will always consider your available budget and other specific requirements. All you have to do is give us a call and we will offer all the necessary support. Keep in mind that this service is 100% free and it can save you from a daunting research process.