How a speeding ticket impacts your insurance in Nebraska?

From 2013 to 2017, a study found Nebraska had one of the lowest rates of speeding-related deaths per capita. This is good news for Cornhusker State drivers, but it does not negate the seriousness and dangers of speeding. Speeding is an offense that can lead to tickets and fines. Long after the fines are paid, the effects of a speeding ticket in Nebraska are still felt with increased car insurance premiums — with an average increase of 21% to your annual full coverage auto insurance rates.

What is the cost of a Nebraska speeding ticket?

The cost of a speeding ticket in Nebraska depends on how far over the speed limit you are caught driving. These are the main components of the fines:

  • A $10 fine is assessed for every mile exceeding the speed limit.
  • A $25 fine for every six to nine miles you go over the limit
  • A $75 fine is assessed for every 10-15 miles travelled.
  • A $125 fine is assessed for every 15-20 miles traveled.
  • A $200 fine is assessed for every 25-35 miles traveled.
  • A $300 fine is assessed for any ticket exceeding 35 miles above the speed limit.

If you’re caught speeding in construction zones or school crossing zones, your fines will be doubled.

What does a speeding ticket do to your Nebraska car insurance?

Once a speeding ticket has been placed on your driving record, a premium increase is very likely. The exact amount of the increase will vary depending on which carrier you choose, as well as other factors. Teen drivers typically see a lower percentage increase because they already pay the most for full coverage insurance.

Whether the driver is male or female, teen or adult, having a speeding ticket on a driving record makes the driver riskier to insure, which is why a speeding ticket causes an increase in premiums.

How to lower your Nebraska speeding ticket and get car insurance

While a speeding ticket can increase premiums, there are still ways you could save money. You can find affordable premiums and still have the coverage you want with a little effort.

Get estimates from other car insurance providers

It is simple and effective to get quotes from multiple car insurance companies in order to find the lowest rates. Below is a chart that illustrates the differences in quotes between car insurance companies.

It’s important to check out the financial strength ratings and customer service marks of any company you are interested in getting quotes. It may interest you to see how simple the online portal and mobile app are for daily use. These other features will help you make an informed decision.

Register for a defensive driving course

You may be able to lower your premiums by taking a defensive driving course. Savings vary depending on the company, but as long as you are enrolled in an approved defensive driving course, you could earn a discount.

Make changes to your selections

You can also save premiums by reviewing and making changes to your existing policy. Although Nebraska requires you to carry minimum liability coverage, along with uninsured/underinsured motorist coverage, there may be other selections you can modify. For instance, you may find the roadside assistance you pay for is no longer necessary since you could have coverage through another outlet, such as a credit card or cell phone carrier.

Additional speeding ticket considerations

In addition to fines and penalties, Nebraska uses a point system for tracking moving violations against your driving record. A Nebraska ticket is kept on your record for five year. You can be suspended from your license immediately if you accumulate 12 points in a span of two years. Depending on the speed limit, each speeding ticket can be worth one to four points.

Questions frequently asked

Which insurance company is best for drivers who have been cited for speeding?

The best car insurance company for drivers with speeding tickets is the one offering the coverage options you need within your budget. The best way to make the right choice is to compare multiple carriers. A speeding ticket does not mean that you are denied access to the best companies. You may need to shop around for better rates.

If I am cited for speeding in Nebraska, can I have points removed?

Nebraska does allow drivers to have two points removed from their driving record. To take advantage of this, the driver must sign up for an eight-hour approved defensive driving course. Drivers can only avail this option once in five years.

How much does insurance cost in Nebraska?

The average cost of car insurance in Nebraska is $335 per year for minimum coverage. The average cost of a full coverage policy is $1,531 per year, which is lower than the national average $1,674/year.