Cheap Car Insurance Rates in Nebraska (2023)

Compare Auto Insurance Rates in Nebraska

Published: Feb 21, 2019 | Updated: Jan 26, 2023

Nebraska Auto Insurance

If you are not sure about the auto insurance rates and requirements in Nebraska, you want to be informed before you choose a policy. Naturally a solid policy is important, but so is cheap auto insurance in Nebraska that can help you cover your vehicle properly. Here are some of the most important details on Nebraska driving laws so you can get the kind of policy your vehicle needs.

Car Insurance Requirements in Nebraska

Nebraska minimum auto insurance requirements are very similar to what most states have. They require every driver in the state to have at least state minimum coverage, which involves protection for the driver and passengers, the people in the other car, and property. The limits that drivers must carry in this state are:

$25,000 in bodily injury or death coverage per person
$50,000 in bodily injury or death coverage per accident
$25,000 in property damage coverage
$25,000 in uninsured/underinsured motorists coverage

Nebraska car insurance laws do not require comprehensive or collision insurance, but these coverages are offered as options by insurance carriers. Many people in the state choose this extra level of protection.

Is Nebraska a No-Fault State?

Nebraska is a tort state, which is essentially the same as a fault state. That means the at-fault driver in the accident must have insurance to compensate the parties who were affected by that person's actions.

<zipcode>Find The Cheapest Auto Insurance In Nebraska:</zipcode>

Car Insurance Prices in Nebraska

In Nebraska, the prices of car insurance generally average around $590 for state minimum coverage, and range up to $1520 for full coverage. The average rate is around $1055, but this is usually for people in the 35 to 75 age group, as they have the lowest rates. Drivers in their teen years pay the most, with elderly people over the age of 75 also seeing higher rates.

<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Locating affordable car insurance for 16 - 18 year olds in Nebraska is not always easy, especially if you are seeking out good quality insurance. Generally, teenage drivers can expect to pay more than $2500 per year in premiums. Different carriers have different rates, though, and there are discount programs that may be helpful.</qa>

<qa>2;Car Insurance for Students (18 - 24 year olds) in Nebraska;Once a student gets into their college years, they will see their insurance rates come down by a lot. At 18 they are still paying high rates, but the premiums drop to something much closer to average by the time they are 22 years old.</qa>

<qa>3;Car Insurance for 24+ Year Olds in Nebraska;By age 24, car insurance rates for most people level out and are easier to handle financially. Then, most drivers will pay something approximating the average rate until they reach their senior years.</qa>

<qa>4;Car Insurance for 55 (and Over) in Nebraska;At age 55 a person's car insurance is at the lowest rate they will generally see. After that, premiums slowly begin to rise again but they probably won't be as high as they were when the driver was a teenager.</qa>

<qa>5;Car Insurance for Veterans in Nebraska;In Nebraska, veterans may qualify for some important car insurance discounts. These programs are going to vary by insurance company though, so checking with their agent is the best option for veterans looking for this information.</qa>

Age	Most Popular Vehicle	Gender	Most Common City
18 - 24	Chevrolet	Male - 53% \| Female - 47%	Omaha
25 - 54	Chevrolet	Male - 48% \| Female - 52%	Omaha
55 - 64	Chevrolet	Male - 42% \| Female - 58%	Omaha
65 +	Ford	Male - 41% \| Female - 59%	Omaha

* This information is based on Pretected.com users.

Auto Insurance for Good Drivers

Good drivers have good records. They rarely cause an accident or get a ticket, and they are careful with their driving habits. Because of that, they see rates that are lower than what other drivers would be offered.

Auto Insurance for Bad Drivers

For those whose driving record isn't the best, insurance rates may be higher. These are typically people who have had a DUI, traffic tickets, or accidents on their record. They aren't bad people, but they do represent a higher risk for insurance companies. That risk is reflected in the insurance premiums these people are charged.

Traffic Violations and Fines in Nebraska

Speeding Ticket Cost in Nebraska

Like many other states, speeding ticket costs vary in Nebraska because they are handled at the county level. But you can expect these tickets to result in a fine, fees, and court costs that add up to several hundred dollars. Tickets also add points to a person's driver's license, and if a driver is charged with reckless driving in Nebraska they will have additional fees, fines, and points added on, as well.

Driving While High Laws in Nebraska

DUI laws in Nebraska are not just for alcohol. They are also for driving under the influence of marijuana. Even for people who can legally use that drug, it is still illegal to be high when behind the wheel.

Driving Without Car Insurance in Nebraska

Car insurance is a requirement in the state of Nebraska, and drivers who are found without car insurance face penalties. They can be fined, have their license and registration suspended, and have their vehicle impounded. If this isn't their first time driving without insurance, fines and penalties are often harsher.

Texting and Driving in Nebraska

Distracted driving in Nebraska is more than cell phone use while driving. Texting, eating while driving, and other activities all add up to distract the driver. Not all of these distractions are illegal in Nebraska, but every one of them can contribute to causing an accident.

<twitter>In Grand Island you can't have draft animals on six streets and in downtown without advance (12 hours) permission from the Chief of Police.</twitter>

Nebraska Car Accidents

There were a total of 17,691 injury car accidents in Nebraska during 2017 (the latest year data is available). While this number may seem low, it represents an increase from the 15,871 that occurred in 2014. After dipping to a low point in 2014, car accident statistics show that problems are on the rise.

Reasons for Car Accidents in Nebraska

The main reasons for car accidents (including fatalities) in Nebraska were vehicles striking other vehicles, and vehicles striking fixed objects. Very few pedestrians were struck and killed or injured by a vehicle. Some of the reason behind this could be the more rural nature of the state and the lack of large metropolitan centers where pedestrians and vehicles frequently encounter one another.

Car Accident Statistics by Vehicle Type in Nebraska

The vast majority of all car accidents in Nebraska involved passenger cars, trucks, and SUVs. Motorcycles, vans, and farming equipment were also involved in accidents but in much smaller numbers. This group made up fewer than five percent of all the injury and fatality accidents throughout the state.

Car Accidents in Nebraska - More Facts

On average, a car accident occurred in Nebraska every few minutes during 2017. Most of these were in the urban areas, but farming equipment accidents that involved a car, truck, or SUV were also seen in the rural areas. As with most states, drivers under 25 and over 75 were the two largest groups when it came to those who caused traffic accidents.

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Nebraska

In Kearney, horses have to be turned at right angles to the vehicle they are pulling, and in the direction of traffic.
Per state law, drivers who are driving on mountains should stay to the right and drive with caution. There are no mountains in Nebraska.

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