Drivers in Norfolk, Nebraska are required by law to have auto insurance. Even the best drivers can sometimes get into accidents, from fender-benders on Johnny Carson Boulevard to multi-vehicle collisions on US-275. A reliable car insurance policy can protect Norfolk car owners by covering the costs associated with accidents like these. Finding the best auto coverage is easy when you work with an independent insurance agent. Contact an agent near you to learn more.
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
On average, residents of Nebraska pay less for auto insurance coverage than most drivers in the country. However, young, inexperienced drivers and those with several moving violations on their records are going to be paying significantly more than most. The only way to know how much a policy will cost you is to request quotes from insurers. Insurance companies base their rates on several different factors, including:
- The value, make, model, year and safety features of your car
- Your driving record and claims history
- The amount of liability coverage you want to buy
- The size of your deductible
- Whether you are bundling your insurance with other policies like home insurance or renters insurance
Because each insurance company is likely to assign a different cost for your premiums, comparison shopping is a great way to save money on your car insurance. Independent agents in Norfolk can help.
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 designed to be sufficient to cover the costs associated with most vehicular accidents. However, more serious collisions — particularly those that result in injuries that require expensive, long-term medical treatment — are likely to exceed these limits. If that happens, you would have to make up the difference out of pocket. That is why many drivers in Norfolk purchase liability insurance at higher limits than the state requires. An independent agent can help you compare costs for different levels of coverage.
Number of Uninsured Motorists in Nebraska
The state imposes penalties on drivers who are caught operating vehicles without insurance. Despite this, a significant number of people get behind the wheel without coverage.
- How many US drivers are uninsured? 12.6%.
- How many Nebraska drivers are uninsured? 6.7%.
If you are involved in a collision that is the fault of an uninsured driver, that person is responsible for compensating you for any damage and needed medical treatment. Unfortunately, even with a court order, it can be very difficult to collect this money. Uninsured motorist insurance, which is required in Nebraska, ensures that you will get the compensation owed to you if you are in an accident with an uninsured or hit-and-run driver. Your insurance company will absorb the costs if they are unable to collect from the at-fault driver.
Number of Auto Thefts in Norfolk, NE
The auto theft rate in Nebraska is lower than the national average. In Norfolk, where about 35 vehicles are reported stolen each year, it is even lower.
- National number of auto thefts per 1,000 vehicles: 2.94
- Nebraska number of auto thefts per 1,000 vehicles: 2.26
- Norfolk number of auto thefts per 1,000 vehicles: 1.30
This is good news for residents of this city because it can help to keep your auto insurance costs affordable. To be compensated for a stolen vehicle, you must have comprehensive, or “other than collision,” insurance. Just because your risk is low does not mean you should forgo this coverage. This optional insurance can also cover other types of non-collision-related damage such as that caused by falling objects, floods, fires, and vandalism.
Why Work with an Independent Insurance Agent?
Vehicle owners in Norfolk can save money on their auto insurance by shopping for coverage through an independent insurance agent. These agents can work with several different insurance providers to help you find the best policy to meet your coverage and budgetary needs. They can also help you find discounts you may be entitled to.
Find an agent near you to start comparing quotes.
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