Nebraska Car Insurance
Last Updated on March 14, 2020
Drivers in Nebraska pay some of the lowest car insurance rates in the country. If you pick the right car insurance company, then you might be able to save even more money on car insurance. Our analysis shows that certain car insurance companies in Nebraska offer particularly competitive prices – including rates as low as just a few hundred dollars per year.
Farm Bureau Mutual Insurance Group, for example, offers particularly low car insurance prices, as do Nationwide, Progressive, USAA, and Farmers Mutual of Nebraska. Allstate, American Family, American National, and General Casualty are also known for their low prices across the state.
Omaha Drivers Pay More for Car Insurance
Omaha is the most populous city in the state. Typically, drivers in urban areas pay more for car insurance than drivers in rural areas. This is true in Nebraska, but the difference isn’t nearly as noticeable as it is in other states. In some states, drivers in urban areas pay nearly twice as much for car insurance as drivers in rural areas. In Nebraska, drivers in Omaha only pay about 5% more, on average, than drivers in rural areas.
Whether you’re in Lincoln, Omaha, Grand Island, Wahoo, Waverly, or anywhere else in the state, you can find cheap car insurance prices in your location simply by searching online. Remember: your ZIP code has a significant effect on the price you pay for car insurance. If you live in a crime-prone ZIP code, for example, then you’re going to pay more for car insurance than someone who lives in a safe ZIP code.
Optional Car Insurance Coverage in Nebraska
Nebraska has mandatory car insurance requirements, including certain liability coverage requirements for bodily injury coverage and property damage. In addition to these mandatory requirements, however, many Nebraska drivers purchase additional optional coverage, including:
Collision: Some drivers in Nebraska choose to purchase collision coverage, which protects your vehicle if it’s damaged in a collision. With basic liability coverage, your insurance company will not pay to repair damage to your own vehicle in a collision.
Comprehensive: Comprehensive coverage in Nebraska covers non-accident-related damages to your vehicle, including storm damage, vandalism, theft, and fire.
Medical Payments: Some Nebraska drivers purchase medical payments coverage, which works similar to health insurance and covers your medical care if you’re hurt in a car accident.
Uninsured Motorist: Nebraska has relatively low numbers of uninsured motorists compared to other states. However, some Nebraska drivers purchase uninsured motorist coverage for extra protection.
Car Insurance for Teen Drivers in Nebraska
If you’re buying car insurance for a teen driver in Nebraska, then you can expect a significant increase in car insurance premiums. It costs a lot to add a teen driver to your existing car insurance policy.
However, in Nebraska and other states, you don’t need to add teen drivers to your car insurance policy until they get their provisional license. If your teen driver still has a learner’s permit, then he or she can legally drive your vehicle without additional car insurance coverage. As long as your teen driver is following the rules of the learner’s permit, you can avoid buying costly teen car insurance in Nebraska for now.
In Nebraska, teen drivers can get a school learner’s permit (LPE) at age 14 after passing a written and visual test. Then, they can get a school permit (SCP) at 14 years and 2 months. At age 15, teen drivers in Nebraska can get their learner’s permit (LPD), followed by their provisional operator’s permit (POP) at age 16. Talk to your insurance company to make sure your teen driver is covered.
Nebraska Auto Insurance Requirements
Nebraska auto insurance laws require that all drivers are financially responsible for and all property damages and injuries the driver caused in an accident. A “Tort” state is the term used to describe a state of this nature. All resident motor vehicle operators are required to carry auto liability insurance with minimum protection levels of 25/50/25 (see the chart below) as proof of their financial responsibility.
Nebraska does not require uninsured and underinsured motorist coverage. However, the suggested minimum levels are 25/50 (see the chart below). This will protect you in the unfortunate event of an accident with a driver that doesn’t have enough liability coverage for your expenses or has no liability insurance at all.
Nebraska drivers may also choose to add extra protection to their policy with collision, comprehensive, and/or medical payment coverage.
|Coverage Type||Required?||Minimum Coverage Amount Required|
|Bodily Injury Liability||Yes||$25,000 per person
$50,000 per accident
|Property Damage Liability||Yes||$25,000|
|Uninsured/Underinsured Motorist Coverage||No||$25,000 per person
$50,000 per accident
Auto Insurance for Leased Vehicles in Nebraska (NE)
Most leasing companies in Nebraska typically require drivers to maintain insurance coverage which exceeds the minimums set by Nebraska state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
- Bodily injury liability coverage: $100,000 per person/$300,000 per accident
- Property damage liability coverage: $50,000
- Comprehensive and collision coverage: $500 maximum deductible
Auto Insurance Contacts In Nebraska
|Nebraska Department of Motor Vehicles
|Nebraska Department of Insurance
941 “O” Street, Suite 400
Lincoln, NE 68508-3639