Best Auto Insurance Rates in Nebraska

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The common image of Nebraska to outsiders is flat corn fields stretching to the horizon. However, there’s much more to Nebraska. Big cities, rolling hills, and a mountain over a mile high in elevation, for example. These are all landscapes that can be treacherous for drivers, which is why Nebraska drivers should be concerned about car insurance.

This page will show you which types of coverage are legally required in Nebraska. It also provides information about the cost of driving including average rates and shares some insights about insurance risk.

Average Nebraska Car Insurance Rates

How much is car insurance in Nebraska? Drivers here are helping their pocketbooks by driving defensively. Insurance premiums in Nebraska are much lower than the national average. The average cost of auto insurance in Nebraska is $681.54 a year. The national average price is $889.01.

Prices will vary depending on your limits, coverage, and the total number of claims filed in your zip code.

Nebraska (NE) Average Annual Car Insurance Rates
Coverage Rates
Liability $364.64
Collision $237.13
Comprehensive $229.25
Total Cost Per Year $681.54
Price Per Month $56.79

The graph below shows the change in average Nebraska rates from 2011 to 2015, the most recent year the data is available. According to the III, Nebraska car insurance rates increased from $602 in 2011 to $681 in 2015, a jump of $79 dollars, or 13.14 percent.

Nebraska average car insurance rates

When it comes to car insurance in Nebraska, finding a policy that fits your needs and budget can be tough. Comparing companies and rates makes things a lot easier.

With QuoteWizard, you can compare quotes from top car insurance companies and discover which one is best for you. All it takes is a few clicks, and you’ll have all the information and help you need.

Last year, 15,843 people used QuoteWizard to compare car insurance quotes in Nebraska from top companies to find the cheapest rates.

Best Car Insurance Companies in Nebraska

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Nebraska. Out of the 15,843 Nebraska drivers that used QuoteWizard to request insurance quotes last year, 1,724 had no car insurance.

Top 10 Vehicles in Nebraska

These are the most common vehicles owned by Nebraska drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Blazer
  3. Chevrolet C1500 Silverado
  4. Ford Taurus
  5. Chevrolet Impala
  6. Ford Ranger
  7. Ford Explorer
  8. Honda Accord EX/LX
  9. Chevrolet Cavalier
  10. Chevrolet Tahoe
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Nebraska State Auto Insurance Laws

Minimum Car Insurance Requirements in Nebraska

Legally, nearly all US drivers are required to carry a minimum level of insurance, but the minimum coverage levels vary from state to state.  In Nebraska drivers need to follow what is known as the 25/50/25 rule when it comes to their insurance policy.

This means that any policy must include the following:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $25,000 of coverage for property damage liability per incident
  • $25,000 of uninsured motorist bodily injury coverage per person
  • $50,000 of uninsured motorist bodily injury coverage per incident

Remember you can purchase plans that cover more. But if you want bare minimum liability insurance make sure your policy has the above protection. And, if you’ve financed your car through a lender, they’ll require that you purchase collision and comprehensive coverage to protect their investment.

Recommended Coverage Levels

Nebraska winters make driving dangerous. Between the low visibility and slick roads, a snowstorm is literally an accident waiting to happen. Make sure that you have adequate collision insurance in case those snow-slicked roads cause you to hit another car.

 It’s a mistake to think that minimum liability insurance is all you need. It covers damages you cause to other drivers, but it does nothing for your own repairs. Also, look into increasing your liability coverage limits. It doesn’t take much for a serious accident to exceed a minimum liability payout limit. To be safe, we suggest:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Required Proof of Car Insurance

Any time you drive in Nebraska, you must be prepared to show your car insurance identification card to law enforcement upon request. You will get this identification card from your car insurance company when you buy a policy.

The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, and/or model of the insured vehicles, or the name of the insured driver

Uninsured and Underinsured Motorist Coverage

Nebraska also requires its residents to carry uninsured motorist coverage. This additional mandatory coverage protects you and your passengers from injuries sustained in crashes involving:

  • Drivers without insurance
  • Drivers with too little insurance
  • Hit and run accidents

Uninsured Motorist Minimum Requirements

Nebraska requires residents to maintain uninsured motorist coverage levels equal to the minimum liability requirements:

  • $25,000 of bodily injury or death to per person
  • $50,000 for bodily injury or death per accident

In 2012, it was estimated that 6.7% of Nebraska drivers had no car insurance.

Penalties

If you can't provide proof of insurance when asked by law enforcement, you have 10 days to produce proof of current and effective liability insurance or proof of financial responsibility. Another option is proving you had the required minimum liability coverage at the time of the request.

If you're unable to produce proof of car insurance or financial responsibility, you are guilty of a Class II misdemeanor that carries the following penalties:

  • Driver's license, vehicle license plates, and registration will be suspended until you comply
  • Required to carry proof of financial responsibility for a period of 3 years
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SR-22 Requirements

Nebraska residents that have had their driver’s licenses suspended due to drunk driving convictions, or other violations, must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

Nebraska State law requires that an SR-22 be carried for 36 consecutive months. If a driver fails to renew their policy 15 days before expiration, a letter is sent to the state resulting in suspension of their license. Once renewed, the license will be reinstated, but this can be a time-consuming process.

State of Nebraska Traffic Safety Laws

Distracted Driving Laws

Nebraska bans novice drivers from using cell phones in any way while driving. All drivers are forbidden to send or receive text messages while driving in Nebraska.

Implied Consent Law

Nebraska’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when stopped by law enforcement if they reasonably believe that you’ve been driving under the influence (DUI). Refuse the test and you’ll face the following penalties in addition to the penalties for a DUI:

  • First Offense: 90-day driver's license impoundment
  • Second Offense: 90-day driver's license impoundment
  • Third Offense: 90-day driver's license impoundment

DUI Law and Penalties

If you drive or operate a motor vehicle in the State of Nebraska with a Blood Alcohol Content (BAC) of 0.08%, you are guilty of Driving Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • A fine of up to $500
  • Between 7 and 60 days in jail
  • Driver’s license suspended for up to 60 days

The penalties for a second DUI conviction are more severe:

  • A fine of up to $500
  • Between 30 days and 90 days in jail
  • Driver’s license suspended for 1 year
  • Possible requirement to install an ignition-interlock device

After a third DUI conviction the penalties increase to:

  • A fine of up to $1,000
  • Between 90 days and 1 year in jail
  • Driver’s license suspended for 2 to 15 years
  • Possible requirement to install an ignition-interlock device

Senior Drivers in Nebraska

All drivers are required to renew their driver’s license every 5 years. Drivers age 72 and up are not allowed to renew their driver’s license electronically.

Seat Belt Laws

Nebraska requires that everyone in the front seats of a vehicle, age 18 or older, must wear seat belts. Children are required to use approved child seats as mentioned above. The maximum fine for a first offense is $25.

Vehicles Registered in Another State

When you drive a vehicle in Nebraska that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in Nebraska

Average Nebraska Car Insurance Rates

The average cost of car insurance in Nebraska in 2014, the most recent year for which data was available, was $681.54 compared to a national average of $889.01. Nebraska ranks 41st out of all US states for car insurance expense.

Car Insurance Risk in Nebraska

Traffic Fatalities

In 2014, there were 192 traffic fatalities in Nebraska, a 16% decrease from the state’s 229 traffic fatalities in 2013.

Crash Statistics

The Nebraska Department of Transportation maintains a website with vehicle crash statistics here: http://dot.nebraska.gov/safety/crash/

Vehicle Thefts in Nebraska

Nebraska had 4,455 vehicle thefts reported in 2014, a .1% decrease compared to 2013. In 2014, the vehicle theft rate was 236.8 per 100,000, a .8% decrease over 2013.

The vehicle theft rate in Nebraska is slightly higher than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2012.

Top 10 Most Stolen Vehicles in Nebraska

Some cars are more prone to theft than others, be sure to check the list below to see if your car is a target on the streets.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1996 Honda Accord
  2. 1994 Chevrolet Pick-Up (Full Size)
  3. 2000 Ford Pick-Up (Full Size)
  4. 1997 Honda Civic
  5. 1999 Dodge Pick-Up (Full Size)
  6. 1998 Chevrolet Pick-Up (Small Size)
  7. 1996 Jeep Cherokee/Grand Cherokee
  8. 1995 GMC Pick-Up (Full Size)
  9. 2004 Chevrolet Impala
  10. 2006 Pontiac Grand Prix

Uninsured Motorists

The percentage of Nebraska residents estimated to be driving without insurance is 6.7%. That ranks Nebraska 44th among US states and the District of Columbia, much better than average.

Nebraska Department of Insurance

Website:
Homepage
Insurance Commissioner:
Bruce R. Ramge
Insurance Hotline:
(877) 564 – 7323
Office Hours:
Monday - Friday
8:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

Sources:

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