A DUI in Nebraska can cause your car insurance premiums increase significantly. Nebraska residents see an average increase in auto insurance premiums of 80%. This is lower than the national average (+99%). After being convicted for DUI in Nebraska, this is just one obstacle people have to overcome. The driver must find an auto insurance company that will cover them before they can navigate a higher price for insurance. This is only if they wish to keep their driving privileges. Driving privileges may be revoked if a DUI is committed. It is easy to see why Nebraska considers drunk driving a serious offense, with around 30% of traffic-related deaths.
Nebraska DUI laws
Nebraska DUI penalties can result in serious consequences if you are caught driving while impaired. DUI offenders could face three types of penalties: jail time, fines, and suspension or revocation of their license. Reinstating a license that has been suspended or revoked will most likely require fees and other requirements.
A first-time offender could face up to seven to sixty days in prison, up to $500 in penalties, and up to six month license revocation. A second offense could lead to 30 to 180 days imprisonment, up to $500 in fines, and up 18 months license revocation. A third-time offender could face up to one year in jail, up to $1,000 fines, and license revocations of up to 15 years. Penalties for any offense may be more severe if blood alcohol concentration (BAC), is.15% or greater.
The penalties for a DUI/DWI Nebraska are worse than in most other states. To count as a cumulative offense, however, each must be committed within 15 years of the last. The counter could reset if it is not.
What a DUI can do to your Nebraska car insurance
After a DUI conviction, the average auto insurance premium in Nebraska goes up by 70%. A DUI conviction in the U.S. will result in an 87% increase in premiums, which makes Nebraska’s rate hikes cheaper than other states. However, most people won’t take a 70% increase on their car insurance payments lightly.
Rate increases are made to reflect the higher financial risk of insuring high-risk drivers, such as those who have been convicted for DUI. These drivers are more likely than others to cause financial damage while driving, and are therefore more costly to insure. Insurance companies can deal with high-risk drivers by charging them a higher rate. This isn’t the only DWI expense Nebraska has.
Some insurance companies won’t take customers with a DUI conviction. Auto insurance companies can refuse service, as they are often private businesses. Many do this because of DUIs. Although a DUI does not automatically mean that a driver’s insurance company will stop covering them, they may refuse to renew the policy after it expires. It is possible to find out which local insurance companies will provide coverage for a DUI-related driver.
The state might also require you to have a greater minimum coverage limit than its usual minimum liability. Drivers with a DUI are more likely than drivers with a clean record to need more coverage. Statistics show that DUI offenders pose greater risk to other drivers and themselves. Higher coverage limits can help to offset this financial risk to some extent.
After a DUI, Nebraskans can find car insurance
It is important to find out which companies will offer auto insurance for high-risk drivers when you need it. Below is a list of companies that offer rates to DUI drivers. It might prove beneficial to compare rates from as many companies possible, especially with the rising premium. It is possible to compare discounts among companies, and determine which ones you might be eligible for. These discounts are important in order to reduce your costs, as there is an average rate rise of 70%.
Some companies might refuse to insure drivers who have been convicted of a DUI. However, there are still top-rated auto insurance companies. This table lists the top-rated U.S. car insurance companies. All of them have been ranked by the 2020 J.D. Power Auto Insurance Study. USAA has been rated as one of the top-scoring auto insurance companies in these surveys more than once. This company is, however, restricted to military personnel and their families.
Questions frequently asked
What will a Nebraska DUI do to my criminal record?
A DUI in Nebraska will typically remain on a criminal record for for up to 12 years. The DUI can be removed from a criminal record if the driver is not convicted of the crime or the court drops it.
What is the best type of car insurance for a DUI?
People may have different opinions about the best company and policy. Companies that focus on high-risk drivers are the best places to start. However, drivers might find better deals elsewhere. Consider car insurance for DUI drivers. This will give you a great place to start your search.
What amount of car insurance do you need to cover a DWI in Nebraska
Drivers convicted of DUI may be required to have more insurance than others after a DWI in Nebraska. This will generally be an additional amount to the minimum state liability coverage.
