Lincoln is the second-largest city in Nebraska. With a thriving economy and many high-tech companies calling this city home, it is a great place to live and work in. The charming homes and great schools lead many families to settle down in Lincoln, NE; However, with all the commuters, traffic can easily become congested. Roads are often busy, and traffic is bad, especially during rush hour. As a driver in this area, make sure you are insured with reliable car insurance before you get behind the wheel. Our Independent Insurance Agents are experts, who can guide you toward the policy that is perfect for you.
- National average cost per year: $1,311
- Nebraska average cost per year: $1,086
- #38 most expensive auto premium in the U.S.
In Nebraska, purchasing a car can be very frustrating for residents when they face the high car insurance premiums. Our agents specialize in helping Nebraska drivers find a policy that offers maximum coverage against common threats without emptying their wallets. Keep in mind that several factors determine your customized rate, such as your driving record and your age.
Car Insurance Requirements in Lincoln, NE
- Body injury liability: required
- Property damage reliability: required
- Personal injury protection (PIP): not required
- Uninsured motorist coverage: required
- Minimum liability limits: 25/50/25
All drivers in Nebraska are legally required to have car insurance. Minimum coverage limits are $25,000 for individual injuries, $50,000 for total injuries in an accident and $25,000 for any resulting property damage. State minimums are in place simply as a starting point, and drivers always have the option to purchase additional coverage. If you have an accident where the damage exceeds the minimum limit, you must pay the difference out of your own pocket to have your car repaired. Having more insurance is usually a decision that pays off big in the long run.
Number of Uninsured Motorists in Nebraska
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Nebraska drivers: 6.7%
Uninsured drivers are a growing problem nationwide, and Nebraska is no exception. If you are a driver in this area, you can be certain many drivers sharing the road with you are lacking proper insurance. If you get into an accident, then you have to pay for your own car repairs. This can be a financial nightmare for most people. The best protection against this type of situation is to let our insurance agents add uninsured motorist coverage to your comprehensive car insurance plan. That way, you are protected in any event.
Number of Auto Thefts in Nebraska
- National number of thefts for 1,000 vehicles: 2.94
- Number of thefts for 1,000 vehicles in Nebraska: 2.26
Nebraska’s high number of auto thefts is most definitely a cause for concern. Lincoln residents rely heavily on their cars to get them to and from work, so having a car stolen can be a major problem. Make sure you choose a car insurance policy that has coverage for theft so that you can get your car replaced if you become the victim of car theft. Let one of our agents help you today.
Find a Great Car Insurance Policy in Lincoln, NE
The world of car insurance is often overwhelming and confusing to someone without experience. Cutting corners on auto insurance is a bad idea, so let the experts help. Our Independent Insurance Agents are reliable experts, who can guide you in the process of finding great car insurance. Our agents will consider all your risk factors as well as keeping your budget in mind.
Contact an agent today to get a free customized quote on Lincoln auto insurance.