Nebraska drivers must have minimum car insurance. This protects you financially and legally in the event of an accident. It doesn’t matter if you live in Nebraska, or if you are moving to Nebraska, it is vital that you understand Nebraska’s insurance laws.
Driving without car insurance in Nebraska is illegal and you will face serious consequences if you get caught. Driving without insurance puts you at risk in case of an accident at fault. Here are some facts about Nebraska drivers and accidents:
- About 9.3% of drivers in Nebraska do not have car insurance.
- In 2019, there were 36,706 accidents across Nebraska.
- In 2019, less than 10% of all accidents resulted in a driver suffering a visible injury.
Nebraska has laws regarding car insurance
Nebraska car insurance laws require drivers to carry at least 25/50/25 personal liability insurance and uninsured/underinsured motorist (UIM/UM) coverage. Below are the coverage requirements for Nebraska minimum car insurance.
- $25,000 bodily injury liability/UIM/UM coverage per individual
- $50,000 per accident in bodily injury liability/UIM/UM
- $25,000 per accident in property damage liability coverage
When you cause an accident, liability coverage kicks in. If you cause an accident, bodily injury insurance covers the cost of medical bills for the other driver. Property damage insurance covers the vehicle’s repair costs if it is damaged. UIM/UM coverage covers your losses if you are hit by a driver without insurance or who does not have sufficient coverage.
Nebraska has liability insurance
Nebraska’s auto insurance requirements require that drivers have personal liability coverage and UIM/UM coverage. Drivers have the option of purchasing additional coverage if they need it. A Nebraska minimum coverage policy may not provide enough coverage in the case of an at-fault accident.
You may have to pay out-of-pocket if your policy does not cover another driver’s injuries if you hit another driver. Most insurance companies recommend that drivers buy more coverage than is necessary to add protection. This is especially true if your vehicle is not covered by a minimum coverage policy.
Comprehensive and collision insurance are two of the best optional coverages. Comprehensive insurance covers the damage caused by theft or vandalism, while collision insurance will pay for vehicle repairs following an accident.
Is Nebraska a no-fault state?
Nebraska is not considered a state of no-fault. It is also known as a state of tort, or a fault state. This means that if you are involved in an accident, the at fault driver’s insurance will pay for the losses of the other driver. Drivers in a state that does not have fault are required to have Personal Injury Protection (PIP). In the event of an accident, every driver’s insurance company pays all medical expenses and associated costs.
Driving without insurance in Nebraska carries severe penalties
You will be penalized if you are caught driving in Nebraska without insurance. You will be issued a citation for any offense and given 10 days to show proof of current coverage. Your driver’s license will also be suspended and you will have to pay $50 for reinstatement. Drivers who receive an insurance violation will also be required to carry SR-22 insurance for three years from the date of the conviction.
Nebraska offers additional auto insurance options
You can drive legally as long as you comply with Nebraska insurance laws. There are many other coverages available that may be of benefit, in addition to the minimum coverage policy. These are just a few of the many endorsements offered by Nebraska car insurance companies:
- Assistance on the road:Roadside assistance covers basic vehicle repairs such as towing, fuel delivery and flat tire changes.
- Gap insuranceGap insurance is a way to repay your loan if you finance or lease your car.
- Rental car reimbursement coverage:If your car is damaged or needs repair, this policy will pay for it.
Questions frequently asked
Which Nebraska insurance company is best?
There are lots of great car insurance companies in Nebraska. According to Bankrate’s criteria, the top three are Allstate and Auto-Owners. It is worth shopping around to compare insurance companies. Compare your criteria, including low prices and good discounts.
Which is the best Nebraska car insurance?
If you are looking for low-cost coverage, look for cheap car insurance companies in Nebraska. We recommend Farmers, Progressive and State Farm as affordable providers. Keep in mind that auto insurance rates can vary based on your needs. Get quotes from multiple companies to compare prices and find the best deal.
What is the cost of Nebraska car insurance?
The average cost of car insurance in Nebraska is $1,531 per year for full coverage. Nebraska’s average rate is slightly lower that the $1,674 annual average rate for full coverage in the United States.
What information is required to obtain a quote for car insurance?
You will need to provide basic information such as your name and address in order to get a quote for car insurance. Also, you will need information about your vehicle, such as the make, year, VIN number, mileage, and how often you drive each year. Your social security number may be requested to help the insurance company give you the best rate quote.
