Getting cheap car insurance in Nebraska
Cutting through car insurance confusion can be intimidating. Understanding state requirements is a great first step to peace of mind for coverage at the lowest price.All auto insurance policies sold in Nebraska must include liability insurance and uninsured/underinsured motorist insurance. Proof of insurance and registration must be carried at all times. Electronic documents are acceptable via smart devices.
Nebraska drivers must show proof of financial responsibility when registering a vehicle. Insurance is not the only option, but it is the least expensive. Proof of financial responsibility can be established without insurance, with a deposit or surety bond of $75,000.
How to get cheap car insurance in Nebraska
Like most states in the US, Nebraska requires all its motorists to carry a minimum amount of car insurance. And while you can choose to carry the bare minimums for liability and property damage coverage, you’re also able to get more protection by adding extras to your policy.
Average car insurance costs in Nebraska
The average cost for a year of auto insurance in this state is about $1,100, which is slightly below the national average of $1,250. Part of the reason for this, according to industry experts, is the low number of uninsured drivers in this state; when everyone pays for insurance and does their part, overall costs for coverage tend to go down.
However, you could still end up paying less than this relatively affordable state average by following our tips and taking the time to compare and shop around.
Compare car insurance providers in Nebraska
8 tips for cheap car insurance in Nebraska
- Drive an everyday vehicle. Sports cars tend to be driven aggressively, putting them at a higher risk for accidents, and luxury cars or expensive imports usually cost a lot to repair after a crash, which can lead to higher insurance claim amounts. And higher claim amounts typically mean higher insurance rates. By driving a lower-profile vehicle — something that’s meant to carry people safely and is inexpensive to repair — you’re more likely to get a low insurance rate.
- Stay current on your bills. Your credit score can count for or against you in Nebraska when it comes to auto insurance. By paying bills on time and keeping your credit score high, you stand a better chance of getting a lower rate.
- Think about bundling. You could save anything from 15-25% by bundling your policies together, depending on which policies you have and which provider you decide to bundle with. Insurance providers are known to reward customers for bringing more business.
- Get rid of extra coverage options. Driving a well-used or inexpensive vehicle means you might not need collision or comprehensive coverage. Lowering your coverage amounts and eliminating extra policy features will typically lower your monthly payment.
- Add to your deductible. When your deductible increase, your premiums are very likely to go down. However, bringing your deductible up too far can cause issues; by raising your deductible too much, you might not be able to pay it immediately if an accident ever does happen. And if you can’t pay your deductible, your insurance provider may not be able to help you with coverage.
- Keep your record clean. Maybe it’s tempting to push the speed limit on those flat, wide-open Nebraska highways, but speeding tickets and other violations can drive up your insurance rates in a hurry. And the opposite is true, as well — having a clean driving record can be a great way to negotiate a lower rate.
- Don’t overlook local providers. Some small insurance companies might be hungry for your business, and willing to offer you a better rate than the nationally-known providers. They might also have partnerships or deals with other local businesses, which can help you save even more money.
- Use car alarms and anti theft devices. Car insurance providers love to see their customers lowering risk of theft or vandalism, and your insurer might reward you for taking extra measures to keep the car safe. If you’ve installed or purchased anything to make your vehicle more thief-resistant, be sure to check with your provider to see if they have an anti theft device discount you qualify for.
Minimum driving requirements in Nebraska
Drivers in Nebraska are required to carry liability coverage that includes:
- $25,000 bodily injury liability per person.
- $50,000 bodily injury liability total per accident.
- $25,000 property damage liability total per accident.
When shopping for car insurance, you’ll see this written as 25/50/25.
Nebraska is one of the 20 or so states that require its drivers to also carry uninsured/underinsured motorist coverage, which protects a driver against other drivers who aren’t adequately covered by their own policy.
To legally drive in Nebraska, you’re required to carry:
- $25,000 uninsured motorist coverage per person.
- $50,000 uninsured motorist coverage total per accident.
If you live in Nebraska, you can decline uninsured motorist insurance in writing. While removing this coverage could save you a little month to month, it exposes you to risk if you have an accident with someone carrying no or insufficient coverage.
Do I need additional coverage to protect myself and my assets?
Meeting state requirements is your first task. But you may need coverage beyond the minimum if you’re leasing or financing a car, or for general peace of mind.
Most car insurance providers in Nebraska offer optional coverage that includes:
- Collision. Covers damage to your vehicle if you’re in an accident.
- Medical.Helps cover medical expenses caused by an accident, no matter who’s at fault.
- Comprehensive. Pays for repairs if your car is damaged by fire, vandalism or something other than an accident.
- Rental reimbursement. Helps pay for a rental car if you need one after an accident.
- Emergency roadside assistance. Reimburses you for towing and labor after an accident that damages your car.
What if I don’t want to buy car insurance in Nebraska?
If you have $75,000 to put up and you don’t want a conventional policy, you can get a certificate of self insurance by depositing that sum with the department of motor vehicles. Depending on your circumstances, this could be a good option for you.
However, it’s good to remember that if an accident is serious enough, your $75,000 deposit with the state will be entirely wiped out. If that happens, any outstanding medical or repair costs will have to come from your pocket rather than from an insurer.
Can I buy temporary insurance in Nebraska?
Yes, you can get temporary coverage in this state. It may be a good option if you only drive very infrequently or if you’re visiting Nebraska for less than 6 months.
However, many large providers don’t offer temporary coverage, and when you do find a short-term policy it could end up costing more than a conventional policy would. Another option to look into could be a conventional insurance policy that allows you to cancel early at low or no costs at all.
What if I’m caught driving in Nebraska without car insurance?
You could face some fines and a possible license suspension, depending on the circumstances of when or how you get caught — was it after a serious accident, or during a routine traffic stop? Repeat offenders will also be punished more severely for this offense.
If you’re caught without car insurance, your license and registration will automatically be suspended and your license plates may be confiscated. You’ll also be required to carry SR-22 insurance in Nebraska for up to 3 years following the incident, and you’ll have to pay $100 to reinstate your license and registration after your suspension is over.
Uninsured drivers in Nebraska
About 7% of all drivers are uninsured in this state, according to estimates from the Insurance Information Institute. While this is significantly below the national average, which is 12.5%, there’s still a risk you could get into an accident with an uninsured driver. If this happens, you might end up saddled with extra costs that you wouldn’t have if all parties had proper insurance.
For this reason, many drivers choose to add uninsured motorist coverage to their own policies. To learn more about this kind of coverage and why you might want it, visit our guide to uninsured motorist insurance.
Driving laws in Nebraska
While most US states share a common set of traffic laws, each state has some of its own regulations — and Nebraska is no exception.
- Texting while driving is prohibited. However, talking on the phone while driving is allowed, even without the use of a hands-free device like Bluetooth.
- Drivers under 18 are prohibited from using a cell phone at all while driving, but for this group it’s a secondary offense — the driver would need to commit some other violation like speeding or turning without a signal for an officer to pull them over.
- Drivers over 70 are required to pass and maintain vision tests, as well as have medical approval to drive if they’re at risk of seizure or stroke.
What are the blood alcohol content limits in Nebraska?
Like all other US states, Nebraska enforces a 0.08% limit for normal drivers and a limit of 0.04% for any commercial or professional drivers. In addition, a stricter limit of 0.02% is enforced for any drivers under 21.
|1st Offense||2nd Offense||3rd Offense||4th Offense||5th Offense|
|Jail||7-60 days||30 days up to 1 year||90 days up to 1 year||180 days up to 5 years||1-20 years|
|Fines and Penalties||Up to $500||Up to $1,000||Up to $10,000||Up to $25,000||Up to $25,000|
|License Suspension||Up to 60 days||1 year||2-15 years||15 years||15 years|
While these are the standard penalties for DUI convictions in Nebraska, a driver’s individual circumstances could change how their case is resolved. It’s also worth noting that for drivers caught over 0.15%, which is considered an “aggravated DUI,” penalties are likely to be more severe from the first offense onward.
Can I get SR-22 insurance in Nebraska?
Yes, you can. You might need this kind of insurance after a DUI conviction, after being caught without car insurance or when you’ve accumulated too many violation points on your driving record.
To learn more about SR-22 insurance, including when it’s needed and what it entails, compare SR-22 insurance in Nebraska.
What should I do after an accident in Nebraska?
While you can’t completely avoid the chaos that comes after an accident, a clear course of action can help you line up the info to process a potential claim.
1. Safety first. First make sure that drivers and passengers are OK. If anybody requires assistance, call 911.
2. Report the accident. Call your insurance provider to learn what you need to do to start the claims process.
3. Document the scene. To protect your claim, take pictures of the scene and all vehicles involved. Note the names of any police officers that responded, and talk to witnesses.
4. Exchange information. Don’t leave the scene of an accident without the full names, addresses, phone numbers and insurance information for all other drivers. Note the make, model, year, and color of all vehicles involved.
To further protect yourself, avoid admitting fault to other drivers. Suggesting that you caused the accident could result in your provider refusing to pay your claim.
What happens if I don’t have insurance?
Driving without insurance isn’t worth the risk. If you’re pulled over or in an accident while uninsured in Nebraska, you face stiff penalties that include:
- Fines. Fines start at $50, and reinstatement fees are at least that.
- Suspension of your driving privileges. You could lose your license and registration on the spot.
Who’s at fault after an accident?
Nebraska is an at-fault state — meaning the person at fault is responsible for all medical expenses of anyone injured in the accident. In Nebraska, insurance claims are typically paid out:
- If you’re injured in an accident you caused. Your health insurance or medical coverage through an auto policy may cover your expenses up to policy limits.
- If you’re injured in an accident caused by another driver. That driver’s liability coverage may help cover your medical bills.
How to report an accident in Nebraska
You must report all accidents that result in more than $1,000 in damages or cause death or injury. Failing to report an accident is a misdemeanor and could result in the revocation of your license.
Using the information you gathered from the accident and the other drivers, you’ll need to complete and submit a Driver’s Motor Vehicle Accident Report (Form DR-41).
To legally drive in Nebraska, you’ll need to carry at least the state’s minimum car insurance coverage. To get the cheapest coverage, carefully research your car insurance options to find a policy that meets your needs and budget.
Common questions about car insurance in Nebraska
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