Hello, Cornhuskers. Ready to plow through some insurance information and harvest tidbits you can actually digest? If you’re looking for information regarding Nebraska car insurance state minimums, laws, discounts, and more, this guide has it all and more.

Nebraska Auto Insurance Requirements

There are two ways to drive legally in Nebraska: buy car insurance or put up money in the form of bonds, etc. Let’s start with the first: liability coverage. You’ll need three types of liability insurance to abide by the law in Nebraska: bodily injury, total bodily injury, and property damage. All three will have to have minimums of:

  • $25,000 for bodily injury, per one person
  • $50,000 for total bodily injury, per accident
  • $25,000 for property damage

If you decide to go with the latter and put up money to show proof of financial responsibility in lieu of car insurance, you’ll have to pay $75,000 in the form of a:

  • Bond
  • Property Bond
  • Certificate of Deposit
  • Certificate of Self Insurance

That’s a lot of money to float if you don’t need to. The average driver in Nebraska pays less than $800 a year for car insurance, so it makes more sense to go that route if you don’t want to pay out-of-pocket.

Why Car Insurance Costs What It Does In Nebraska

Car insurance is a risk calculation. Companies will look at your personal information to decide how likely you are to cost them money. The less risky you are as a driver, the lower your premiums will be. The higher the risk, the more you’ll pay. Expect to be asked about the following information when you’re getting a quote:

  • Gender
  • Age
  • Address
  • Driving/claims record
  • Occupation
  • Make and model of car
  • Credit score
  • How car is used

How You Can Save Money With Discounts

Aside from being a safe driver, you can save with popular auto insurance discounts. See if you qualify for the following discounts that are offered through most companies:

  • Safe Driver Discount
  • Multi-Car Discount
  • Good Student Discount
  • Multi-Policy Discount
  • Homeowners Discount
  • E-Pay Discount

What Nebraska Drivers Pay For Car Insurance

As we mentioned above, car insurance rates are based off of a number of factors.  According to our research, here are the cheapest auto insurance companies on average.

 Average Annual Rates
USAA$1,607.33
GEICO$1,634.13
Progressive$1,820.24
Allstate$1,874.25
Farmers Ins$2,168.45

Want to find a cheaper car insurance policy? Licensed agents can help. Call 855-462-2213 to shop around now.

Insurance For High Risk Drivers

Do you have a few tickets or accidents on your driving record?  The Nebraska Automobile Insurance Plan (NEAIP) makes it illegal for auto insurance companies to deny you coverage. Your rates will still be higher than normal because of your risk-factor, but you can fix that over time by driving more responsibly.

Did You Know?

If you drive one of these most commonly stolen cars in Nebraska, you could see an increase in your rates*.

  1. Honda Accord
  2. Chevrolet Pickup (Full Size)
  3. Honda Civic
  4. Ford Pickup (Full Size)
  5. Dodge Pickup (Full Size)
  6. Jeep Cherokee/Grand Cherokee
  7. GMC Pickup (Full Size)
  8. Chevrolet Pickup
  9. Ford Explorer
  10. Chevrolet Impala

*According to www.nicb.org

Get Additional Help

Licensed agents can help answer any additional questions you have. See for yourself by calling 855-462-2213 today.

Resources for Nebraska Drivers