Grand Island Car Insurance

Your Complete Guide to Grand Island, NE Car Insurance

Find the right car insurance policy for you.

Drivers in Grand Island, Nebraska are required by law to carry car insurance. This insurance can protect your finances by covering the costs associated with car accidents. From a minor fender-bender on Capital Avenue to a multi-vehicle collision on Highway 281, a solid insurance policy can give you peace of mind by covering the damage. Finding reliable coverage at a great price is easy when you work with an independent insurance agent. Find an agent near you to begin your search for the best auto insurance policy in Grand Island.

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 US

The average cost of insurance in Nebraska is lower than in most states, but you can still find big savings when you compare rates before making a purchase. Every insurance company has a different method for calculating rates. They will take into account a number of factors, including the value, make, model, year and safety features of your car, the driving record and claims history of all drivers in your household, the amount of liability coverage you wish you purchase, and the amount of your deductible. A local independent insurance agent can work with several different insurance companies to help you find a great policy at a competitive rate.

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 liability coverage requirements are enough to cover the costs associated with most vehicular accidents. However, more serious collisions — particularly those that result in fatalities or injuries that require extensive medical treatment — are most likely going to exceed these limits. Purchasing higher levels of liability coverage can protect your finances against this risk. An independent agent in Grand Island can help you compare rates for different levels of liability coverage so you can purchase the highest amount of coverage you can reasonably afford.

Number of Uninsured Motorists in Nebraska

Driving without insurance is a serious offense. If caught, you will be subjected to fines, points on your license, and your license and registration will be suspended or revoked. Despite this, thousands of Nebraska’s drivers get behind the wheel without coverage ever day.

  • How many US drivers are uninsured? 12.6%.
  • How many Nebraska drivers are uninsured? 6.7%.

Uninsured motorist insurance is designed to cover damage and injuries you may experience if you are in a collision with an at-fault uninsured driver. It can also cover damage resulting from a collision with a hit-and-run driver, regardless of fault. Uninsured motorist insurance is required of drivers in Nebraska. An independent agent can explain more.

Number of Auto Thefts in Grand Island, NE

There are about 100 auto thefts in Grand Island each year. This equates to an auto theft rate that is lower than the state and national averages.

  • National number of thefts per 1,000 vehicles: 2.94
  • Nebraska number of thefts per 1,000 vehicles: 2.26
  • Grand Island number of thefts per 1,000 vehicles: 1.98

This is good news for residents of Grand Island because it can help to keep insurance costs affordable. Be aware that you are only covered against auto theft if your auto insurance policy includes “other than collision,” or comprehensive, insurance. This optional insurance is designed to cover Grand Island vehicle owners against non-collision-related damage. This includes loss or damage caused by falling objects, floods, fires, and property crimes. 

Why Work with an Independent Insurance Agent?

Car insurance is required of drivers in Grand Island. Paying too much for it is not. Independent agents in Grand Island can help you find a policy that meets Nebraska’s requirements and your additional coverage needs. These agents can work with several different insurance companies to find the best price on coverage so that you can be sure you are not paying more than you have to. 

Find an agent near you to learn more.

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