Nebraska Car Insurance FAQ - Quick Answers
Nebraska residents pay lower-than-average rates for car insurance. The average annual premium of $1,086 is less expensive than the national figure of $1,311 per year on vehicle protection. To get exact costs for your specific autos, consult with a licensed professional for multiple quote options.
Each Nebraska car insurance policy will be different, but the most used coverages are listed below:
- Bodily injury liability: Pays for medical expenses of others.
- Property damage liability: Pays for property damage of others.
- Medical payments: Pays for your medical expenses.
- Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
- Comprehensive: Pays for a collision with an unavoidable object such as an animal.
- Collision: Pays for a collision with another vehicle, animal, or property.
As a Nebraska driver, you are required to carry the following minimum limits in order to drive:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability
- $25,000 per person/$50,000 per accident in uninsured motorist liability
While car insurance is required in most states, there are still some drivers that choose to break the rules. In Nebraska, 6.8% of the driving population is currently without coverage. One way to avoid a loss is by having uninsured motorist protection, which pays for damage and injuries should you get into an accident with an at-fault uninsured driver.
While your car insurance costs will depend on several factors, finding the best market for your autos can be done through commonly used carriers. In Nebraska, Progressive, Nationwide, Safeco, and Stillwater insurance companies are rated among the best. This is due to their excellent customer service, claims handling, and coverage options.
Yes. In Nebraska, you'll have to prove that you carry liability insurance at the state minimum limits on most registered vehicles.
That depends on how long it takes you to get caught. Nebraska car insurance is mandatory, which means if you're found without proper coverage, you could face serious fines or worse.
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Find the Best Car Insurance in Your City
How does your city measure up to the national average?
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
| City | Commute time (min) | Auto thefts / 1,000 | Annual insurance cost |
| Alliance | 8.3 | 0.99 | $1,029 |
| Beatrice | 16.7 | 1.31 | $1,121 |
| Bellevue | 21.3 | 3.06 | $1,152 |
| Blair | 19.2 | 2.68 | $1,121 |
| Columbus | 12.1 | 1.41 | $1,098 |
| Lincoln | 18.7 | 1.56 | $768 |
| Nebraska City | 14.1 | 1.51 | $1,152 |
| Norfolk | 12.6 | 1.05 | $1,060 |
| North Platte | 12.5 | 2.15 | $1,068 |
| Omaha | 19.2 | 6.65 | $822 |
| Papillion | 20.2 | 1.07 | $1,121 |
| Scottsbluff | 10.8 | 1.2 | $1,021 |
| York | 15.2 | 0.89 | $1,060 |
Bodily Injury Requirements in Nebraska
If you get into a car accident where you're found at fault, you'll be responsible for more than just yourself. Fortunately, you're required to carry minimum limits of coverage in order to drive in most states.
In Nebraska, bodily injury limits need to be at least $25,000 per person and $50,000 per accident. This will pay for the other party's injuries sustained from a collision.
Property Damage Requirements in Nebraska
Property damage liability is another required coverage in Nebraska. This limit will help you pay for property damage of another driver when a collision occurs and you're at fault.
In Nebraska, you're responsible for carrying a minimum of $20,000 in property damage liability. When you're found without proper coverage, you'll need to pay out of pocket for the loss.
Medical Payments Coverage Requirements in Nebraska
Some states mandate personal injury protection, or PIP, under your car insurance policy, which helps pay for your medical expenses. PIP is not a required coverage in Nebraska, however.
You can obtain medical payments coverage that will do a similar thing and protect your pocketbook from medical bills you sustain due to an at-fault accident. To find what limits are necessary under your auto policy, consult with a trained professional.
Uninsured Motorist Coverage in Nebraska
Uninsured motorist coverage helps pay for your medical expenses and property damage when you're in a collision with an at-fault uninsured driver. In Nebraska, uninsured motorist coverage is mandatory.
While every driver is required to carry car insurance at the minimum limits, not all do. There are currently 6.8% of the driving population still uninsured in Nebraska.
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Optional Car Coverage in Nebraska
Each car insurance policy comes with a list of options for your coverage. Collision insurance and comprehensive insurance are two of the most common choices, and help pay for damage to your vehicle when a collision occurs.
You can also obtain several other limits of protection under your policy, like rental car coverage when you need a replacement vehicle. Another is roadside assistance that helps pay for a tow when you need it most.
Car Insurance Discounts to Consider in Nebraska
There are numerous discounts on car insurance that could be available to you. A multiple policy discount can give you a large savings when you have more than one policy with the same carrier.
In Nebraska. if you're in a teachers union, attorney group, or government agency, you could cut costs by 10% with an association discount. And being a loyal customer has its perks and can reduce your premiums as well.
How to File a Car Insurance Claim in Nebraska
If you have a car accident, it can be overwhelming to say the least. To help, take a look at these 4 easy steps for filing a car insurance claim in Nebraska.
First, make sure everyone's safe and injuries are taken care of by a professional. Second, call your independent insurance agent and report the loss as soon as possible. Third, ask your agent for the claim number and if you need a rental vehicle, get one. Last, work with your adjuster to go over damage and injuries for payment of the claim.