It may be more difficult to find affordable car insurance rates for drivers who have been convicted of multiple DUIs, traffic tickets, or are involved in multiple at-fault incidents. In addition, reckless or high-risk driving in Nebraska could lead to your license being suspended, restricted or revoked. When traditional vehicle insurance is unavailable or not affordable, Nebraska high-risk insurance can be an alternative option.
Nebraska high-risk car insurance rate
The cost of your Nebraska vehicle insurance depends on your driving record, vehicle and level of coverage, as well as various other factors. High-risk insurance in Nebraska is usually cheaper than traditional coverage. Every insurance company has its own risk threshold when pricing vehicle insurance. A company might offer affordable insurance to a driver who has received speeding tickets, but may raise premiums after an accident or claim.
After a speeding ticket, insurance rates
Depending on which insurance company you choose, speeding tickets can increase your auto insurance rates. A speeding ticket does not guarantee that an insurance company is the cheapest. However, Bankrate’s analysis found Nationwide, USAA and Farmers to be the most affordable carriers on average.
Rates for an accident
Your Nebraska premiums will rise if you are held responsible for an accident. This is more than a speeding ticket. High-risk auto insurance Nebraska rates can vary greatly from one insurance company.
Although Nationwide insurance might seem to offer the best coverage for safe drivers, a single accident can increase your premiums by 81%. In the meantime, USAA’s insurance rates go up by 40% for an accident while Farmers’ average rates go up by 42%. USAA is not available to qualifying military personnel.
After a DUI, insurance rates
Driving under the influence could be the most dangerous financial and safety risk that a driver can take.
Here are some ways that a DUI can affect your auto insurance rates.
Drivers convicted of a DUI in Nebraska will also need to ask their insurance company to file a certificate of financial responsibility (SR-22) with the DMV to legally drive.
Teen drivers can get car insurance
Car insurance premiums for parents who add their teens to their policies in Nebraska are higher than average.
Who are high-risk drivers?
High-risk drivers come in all ages and experience levels. High-risk drivers are considered high-risk by insurance companies if they have been convicted of DUI, or are involved in multiple accidents or violations.
After six points, many states could suspend or revoke your licence. After accumulating four points in a single year, Nebraska may suspend your license. Your license could be suspended if you get three points for driver negligence after an at-fault accident.
How to lower your rate for high-risk drivers
High-risk drivers are limited in their options for carriers and pay higher premiums. You can offset these limited options by lowering the cost of insurance.
- Compare coverage options from multiple carriers to determine the best deal based on your needs.
- Apply as many discounts as possible. You can get discounts for student drivers or low-mileage drivers, such as accident forgiveness and multiline discounts.
- Your deductible should be increased to the maximum amount you are able to afford.
You could save hundreds of dollars by getting your car insured for as low as 5-10%
Questions frequently asked
What is an SR-22 and what does it do?
An SR-22 certificate is a proof of financial responsibility. It confirms that you have the minimum car insurance necessary to drive. This is a form that your insurance company files with the DMV for you.
Are there extra auto insurance requirements for high-risk drivers?
All Nebraska drivers are required to have liability insurance with minimums of $15,000 in bodily injury and death per person, $30,000 total per accident and $5,000 in property damage. To determine the right level of coverage for you, consult a licensed agent.
What are the points I can get in Nebraska if an accident occurs?
Nebraska gives you zero to three points for being a negligent operator (responsible in a car accident). After you have four points, the DMV can suspend or revoke your accident record.