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.

Do You Know What Your Nebraska Car Insurance Covers?

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

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Alliance8.30.99$1,029
Beatrice16.71.31$1,121
Bellevue21.33.06$1,152
Blair19.22.68$1,121
Columbus12.11.41$1,098
Lincoln18.71.56$768
Nebraska City14.11.51$1,152
Norfolk12.61.05$1,060
North Platte12.52.15$1,068
Omaha19.26.65$822
Papillion20.21.07$1,121
Scottsbluff10.81.2$1,021
York15.20.89$1,060