Accidents can happen anywhere, from the fast-moving Highway 75 to the business corridor of 36th street. As a vehicle owner in Bellevue, you are required by Nebraska state law to carry car insurance. This coverage can prevent a car accident from causing you large financial losses. An independent insurance agent in Bellevue can help you shop around for the best price on car insurance. Find an agent near you to start comparing quotes.
How Much Does Car Insurance Cost in Nebraska?
- National average cost per year: $1,311
- Nebraska average cost per year: $1,086
- 38th most expensive auto premium in the US
The good news is that the average car insurance rate in Nebraska is much lower than the national average. Of course, these figures can only give you a ballpark idea of how much you might expect to pay. Cost can vary significantly from one driver to the next. Your rates will depend on a variety of factors such as the type of vehicle (or vehicles) you are insuring, details about the drivers who will be using them, and the amount of your deductible.
Young, inexperienced drivers will pay much more than seasoned drivers with good driving records. Every insurance company calculates rates a different way, so it pays to compare rates. Independent insurance agents make comparison shopping easy.
Nebraska Car Insurance Requirements
- Bodily injury liability: Required
- Property damage liability: Required
- Personal injury protection (PIP): Not required
- Uninsured motorist coverage: Required
- Minimum liability limits: 25/50/25; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $25,000 coverage for property damage.
Nebraska’s minimum coverage requirements are high enough to cover the costs associated with most car accidents. However, if you are responsible for a major collision that results in serious injuries to others, the costs may be much higher than what your insurance will cover. That is why many Nebraska drivers opt to purchase liability coverage in amounts that exceed the state’s requirements. An independent agent can help you decide how much coverage is right for you and can show you how much purchasing higher coverage will cost.
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Number of Uninsured Motorists in Nebraska
Uninsured motorist coverage is required in Nebraska. This insurance protects you if you are in an accident caused by an uninsured driver. It can also cover damages caused by a hit-and-run driver.
- How many US drivers are uninsured? 12.6%.
- How many Nebraska drivers are uninsured? 6.7%.
Although the rate of uninsured drivers in Nebraska is much lower than in most of the nation, uninsured motorist coverage is important. It can provide peace of mind knowing that if you are in an accident, you will have the coverage you need.
Number of Auto Thefts in Bellevue, NE
There are about 100 auto thefts reported in Bellevue every year. This is a rate of approximately 2.03 thefts per every 1,000 vehicles. This rate is lower than both the national and state auto theft rates.
- National number of thefts per 1,000 vehicles: 2.94
- Nebraska number of thefts per 1,000 vehicles: 2.26
This is good news for residents of Bellevue because it can help to keep insurance costs affordable. Be aware that your car insurance will only cover you against vehicle theft if your policy includes comprehensive insurance. Also known as “other than collision” insurance, this optional insurance can also cover damage caused by such hazards as falling objects, fires, and floods.
Why Work with an Independent Insurance Agent?
Nobody wants to pay more than they have to for their auto coverage. Independent agents can work with several different insurance providers to help you find the most affordable policy to meet your coverage needs.
Find an agent in or near Bellevue to get started.
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