state of Nebraska

From Lincoln to Omaha and all across the Great Plains, drivers in Nebraska have a lot to take in. Of course, all those rural roads can quickly become dangerous, especially if you’re driving drowsy. Not to mention the snow and ice, which can add risk to your commute. Before you set out, you need to make sure you have the proper insurance coverage.

Luckily, on average, drivers pay significantly less than the national average for car insurance in Nebraska. Of course, that can vary a lot depending on where you are and your driving record. And it doesn’t mean you should settle for the first affordable policy you find. Take the time to compare car insurance quotes from multiple insurance companies before you choose the one that’s right for you.

But before you start shopping for an insurance policy, you need to understand the legal minimums required and consider all the additional policies you might need to keep you and your assets protected if you’re in a car accident. So what are the state’s requirements? And are they enough for you?

Minimum requirements for car insurance in Nebraska

Car insurance laws in Nebraska require liability coverage to be maintained at all times while a motor vehicle is registered. The following minimum limits must be met:

Liability Coverage

  • $25,000 Bodily Injury Coverage per person to pay medical bills or funeral expenses for injury or death caused by a car accident.
  • $50,000 Bodily injury Coverage for bodily injury or death of two or more people in any one accident
  • $25,000 Property Damage Protection for damages caused to other vehicles or structures.

Uninsured Motorist Coverage

  • $25,000 Bodily Injury Coverage per person. This will cover you or your passengers if you are in an accident with an uninsured motorist.
  • $50,000 Bodily injury Coverage per accident for multiple people in your vehicle that are injured.

In Nebraska, your Uninsured Motorist policy is sold separately from Underinsured Motorist Coverage. But if you add it, you can combine these limits with the bodily injury policy of an underinsured motorist if the medical expenses exceed their coverage limits.

These minimums are enough to meet the car insurance requirements, but medical costs can quickly exceed your limits, especially if someone requires emergency care. And some vehicles are very expensive to repair. Multi-car pile-ups you’re at fault for can cause thousands of dollars in damage. If you’re not financially prepared for the high cost of an accident, consider upping your coverage. You can usually double these minimums for a few extra dollars a month.

Driving with Insurance

As soon as you get a license plate for your vehicle, proof of financial responsibility must be carried at all times. For most people, this will be proof of insurance, which can either be a printed document from your car insurance company or electronic verification on your cell phone. Be sure your document is up to date—carrying an expired proof of insurance may lead to a citation.

Driving uninsured can trigger a fine of up to $500 for a first offense, and up to $7500 for repeat offenders, in addition to having your license and registration revoked until you are able to provide proof of insurance.

Comprehensive and Collision

Though the law says this coverage is optional, if you’re still paying off your vehicle, or if you drive a lease, you will be required to carry full coverage. But even if you own your car outright, the added protection will make sure you’re able to repair or replace your vehicle no matter what happens to it. Property damage liability won’t help you out with your vehicle in an at-fault accident, so depending on how much your vehicle is worth, full coverage may be a worthwhile investment.

Collision insurance will pay the price of repairs or help you replace your vehicle if it’s totaled in an accident regardless of fault, as well as in collisions with stationary objects. You may also choose to add roadside assistance, towing and labor, or rental reimbursement for further financial help from car troubles, no matter what caused them.

Comprehensive Coverage protects you from damages outside of human control. Nebraska is in tornado alley, and there are many hail-producing thunderstorms each year as well. Either can total your car and leave your vehicle worthless for trade-ins. In addition, your comprehensive policy will help to repair damage from a collision with deer or other animals.

An additional factor to consider if you’ve just purchased a brand new vehicle with little or no down payment is what you might owe if your car is totaled. As soon as you drive a new vehicle off the lot, its appraisal value could fall to below the amount you owe on your loan. Gap insurance can cover the difference between what your insurance will pay out and the amount of money you owe on your vehicle, so you’re not stuck paying for a car you can’t drive.

Personal Injury Protection(PIP) vs. Medical Payments(MedPay)

Since Bodily Injury Liability won’t cover you or your passengers when you’re in an at-fault accident, you may get stuck with some hefty healthcare bills. But there are two additional kinds of no-fault insurance to consider adding to your policy. PIP and MedPay both offer assistance with medical expenses related to a car crash for you and your passengers. They will also both help pay medical expenses if you’re hit by a car as a pedestrian. In instances where you need medical attention from a car accident, they will act as the primary form of insurance, and your health insurance will cover the rest after you’ve reached your policy limits.

PIP will also cover funeral expenses, rehabilitation costs, lost wages, and in-home services you might need, including childcare. It is also more expensive, and usually has a deductible you will need to meet. But for many people, it’s a lot less expensive than health insurance that would actually be of use in a car accident.

MedPay only covers medical expenses. But because there isn’t a deductible, it can help you meet your deductible on your health insurance. It can also cover some things your health insurance won’t, like a visit to a chiropractor or dental work you may need. It’s generally cheaper than PIP to add to your policy, but there is little reason to carry both policies.

Determining your premiums

Your insurance premiums are based on a combination of personal factors, the kind of vehicle you drive and how much you drive it, and the level of coverage you choose. Car insurance companies will use personal information such as your age, credit score, driving record, and claims history to assess the risk of covering you. The less of a risk they deem you, the less you will pay. Your address can have a pretty hefty impact on your car insurance rates, even from one neighborhood to the next, based on traffic or crime in the area.

The same risk assessment will be done on your vehicle. Certain vehicles with hard-to-find parts or that are more likely to be stolen will be more expensive to insure, while newer vehicles with advanced safety features might fetch you discounts on certain policies. If you drive a lot, or if you’ll be using your car for business, you’ll wind up paying a little more.

An insurance company may charge different individuals drastically different premiums for the same level of coverage, and these rates may vary widely between insurance companies. This is why shopping around is crucial, and it won’t help to ask your friends who they use. Finding the cheapest car insurance policy for you will take some leg work, but by using, you can take the hassle out of comparing quotes from multiple insurance companies in Nebraska - and do it all from the comfort of your home.

Finding cheap car insurance in Nebraska

It’s important to note that the cheapest car insurance policy isn’t necessarily the best one. Cutting coverage that you need won’t save you any money if you need to make a claim. You need to choose the right level of coverage, and only compare car insurance quotes that meet your standard.

Of course, there is some flexibility there. Experiment with the price of different maximum limits, adjust deductibles to see how much you can save, and choose your added policies with care. (If your car is only worth $3,000, collision insurance is probably too costly to be beneficial, for instance.) Only compare premiums if the policies have the same benefits, so you get the best value for your money.

Once you’ve found a couple of insurance companies with good car insurance rates for you, make sure you get all the discounts you qualify for so you can get the cheapest car insurance possible. These may include:

  • Safe driver (based on driving history)
  • Use of a telematics device
  • Multi-vehicle discount
  • Multi-policy discount
  • Good student
  • Airbags and other safety equipment
  • Anti-theft devices
  • Paid in full discount

The bottom line

The best way to get affordable car insurance is to drive safely, don’t let your coverage lapse, and compare as many insurance companies in Nebraska as you can to get the best deal on your policy. Even if you already have car insurance, you can save hundreds of dollars a year by switching companies.

Now that you know what you need, simply fill out our questionnaire and start comparing rates today, with no obligation to buy. Once you find the one that works for you, you can make your purchase and have proof of insurance within minutes, all without having to leave the house.