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Nebraska Car Insurance & Minimum Coverage Amounts

The Cornhusker State is famous for, well, its abundance of corn. It’s also home to SPAM, goldenrod, and the world’s largest indoor rain forest. But whether you’re moving to Nebraska or already live there, you’re going to need to legally register and insure your car in order to see all that the state has to offer.

In this guide, we’ll look at everything you need to know about Nebraska car insurance so that you can explore the Cornhusker State legally.

Nebraska Car Insurance Minimum Coverage

Nebraska, like most other states, has very specific requirements for how you should insure your vehicle. In order to register your car or truck in the state, you’ll need to carry the following:

  • Bodily injury liability coverage: you’ll need $25,000 per person and $50,000 per accident.
  • Property damage liability insurance: you’ll need $25,000 in coverage.
  • Uninsured and underinsured motorist bodily injury liability coverage: you’re required to carry $25,000 per person and $50,000 per accident.

These insurance requirements aren’t atypical; in fact, Nebraska has lower minimums than some other states in the US.

Remember that you can opt to purchase additional coverage. Comprehensive, collision, roadside assistance, and other options are available should you feel you need them. Talk to your insurance agent about what’s recommended for your driving history.

What is the Average Cost of Car Insurance in Nebraska?

If you select full insurance coverage in the state of Nebraska, you can expect to pay around $1,184 each year in premiums. That’s about 17% less than the national average for similar coverage.

If you only want the minimum coverage, you’ll pay around $335 per year. That, too, is less than the national average. In short, Nebraska car insurance is very affordable.

Why is Car Insurance So Cheap in Nebraska?

There are three reasons you’ll find Nebraska car insurance to be so affordable. The first is that a large percentage of the state is rural. Fewer highways mean fewer drivers and accidents; therefore, insurers can charge less for premiums.

The second reason car insurance is cheaper in Nebraska is the cost of auto repairs. The state has some of the lowest-cost car repairs in the country, so insurers are paying out less for those repairs. As a result, your premiums reflect this.

Finally, Nebraska drivers are largely insured. There are few uninsured motorists on the road in the Cornhusker State, and so drivers share the benefit of lower premiums.

Lapses in Nebraska Car Insurance

If you’re stopped by the police in Nebraska, you’ll need to show proof that you and your vehicle are insured. If you can’t provide your insurance card, you’ll be issued a ticket and the officer may remove your tags on the spot. Your driving privileges and your registration will be suspended until you can provide proof that you’re insured. Your car may also be towed.

If you’re involved in an accident with no insurance, that’s bad news. You’re not only going to face suspension of your registration and your license, you’ll also be financially responsible for the accident if you’re found to be at fault.

You’ll have ten days to provide a letter from your insurer that you were insured at the time of the accident. Otherwise, you’ll have to pay hefty fines to the DMV for reinstatement of your driving privileges.

Best Auto Insurance in Nebraska

According to Nebraskans, there are five insurance companies that consistently rank high for customer service, cost of premiums, and thoroughness of coverage. These companies are:

  • Farmers Mutual of Nebraska
  • IMT Insurance
  • Auto Owners
  • North Star Mutual

Remember that not everyone will have the same experience with insurers. Shop around for the best policy that suits your driving habits and budget.

Driving in Nebraska

Are you ready to explore the Cornhusker State by road? Here are some driving facts you should know about Nebraska before you head out.

  • Nebraska law states that drivers on mountains should exercise caution while driving near the right edge of the highway. There are no drivable mountains in Nebraska.
  • It’s illegal to drive barefoot in Nebraska, so keep your shoes on when you’re behind the wheel.
  • There are about 60,000 accidents in Nebraska each year, and most are caused by distracted driving.
  • About 22% of cell phone related wrecks in the state involve teenagers.

Conclusion: Nebraska Car Insurance

Nebraska is one of the most photographed states in the nation, and for good reason. Waving corn fields, petroglyphs, and the dramatic spire of Chimney Rock are just a few reasons to visit the state.

Before you hit the 10,000 miles of roadways in Nebraska, be sure your car insurance is up to date. This will help you avoid conflict with law enforcement and keep you from potentially losing your driving privileges.