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Nebraska Car Insurance Guide

Did you know that Nebraskans have more road rage than residents of any other state? That’s what one recent survey found. It wasn’t that scientific, though; the study was based on how many Instagram posts hashtagged #roadrage. But that totally counts.

Here’s some good news to lift your: NE is the 41st cheapest state for car insurance. Compare.com can help you find the cheapest policy possible — read on to find out how. Or, if you want the TL;DR version, just go ahead and start getting quotes for cheap car insurance on Compare.com!

1. What Are Nebraska’s Auto Insurance Requirements?

Car insurance is required in Nebraska (unless you have a spare $75,000 to deposit as a bond proving your financial responsibility). Nebraska’s minimum car insurance requirements are 25/50/25, which means:

  • $25,000 in bodily injury liability per person and $50,000 per accident: Bodily injury liability pays for injuries suffered by other people in an accident you’re legally responsible for.
  • $25,000 in property damage liability: This pays for damage to other people’s property in an accident you’re responsible for.
  • $25,000 per person and $50,000 per accident in uninsured/underinsured motorist bodily injury liability: This coverage pays for injuries you or your passengers suffer in an accident caused by a driver without sufficient car insurance. Hit-and-run collisions are covered too.

2. What Company Has the Cheapest Auto Insurance in Nebraska?

There’s no single company that offers everybody the cheapest Nebraska car insurance. That’s because insurance is a super-personalized product. Your rates depend on your age, your gender, where you live, the car you drive, your driving record, your credit history

But here’s something you need to know: Each insurance company calculates risk differently, which means each company will offer you different rates. The secret to finding cheap auto insurance, then, is to get as many quotes as possible to see who gives you the best deal. And the quickest way to compare Nebraska auto insurance quotes? Compare.com, of course.

Begin by entering some basic information. Then, we’ll ask you to select the level of coverage you want: state minimum, Basic, Plus or Premium. If you really want the absolute cheapest Nebraska car insurance, choose state minimum coverage. We’ll show you quotes for a no-frills 25/50/25 policy. All you have to do is pick the lowest one.

3. How Much Insurance Should I Carry in Nebraska?

The rule of thumb is that you should buy enough car insurance to cover your assets). In other words: If you cause a bad wreck that results in big medical bills, will your insurance be enough to protect you? Because if you don’t have enough, the person you hit is going to sue you — and you could lose everything you own.

If you rent, if you don’t have a lot of money saved, and if you drive an old car that doesn’t need collision/comprehensive coverage, you might be OK with state minimum insurance. If you own a home and other assets, and if your car is newer, protect yourself with a higher level of coverage.

4. How Do I Find Cheap Nebraska Auto Insurance that Gives me Enough Protection?

The best way to do this is simply to compare quotes for different levels of coverage, then decide what you’re comfortable with.

Here’s an example. Let’s take a hypothetical driver who’s 27, female and looking for insurance in Lincoln, NE. She has a good driving record. Her quotes for state minimum car insurance range from $48 to $73 per month, when she pays for six months of premiums up front.

No fault woman

Less than $50 per month for NE car insurance? That’s pretty cheap. However, our example driver owns a three-year-old Fiat, and she definitely wants to protect it (that car is her baby). So she gets quotes for the next level of insurance coverage: Basic, which adds collision and comprehensive coverage. Now, her quotes go up: $129 to $145 per month, paid up front.

That might be as much as she’s willing to pay. But it’s worth comparing quotes for Plus coverage too, because she’ll get a lot more protection:

  • Bodily injury/property damage liability limits of 50/100/50
  • Uninsured motorist coverage limits of 50/100/50
  • $2,000 in medical payments (aka MedPay) which pays for out-of-pocket medical bills when you’re hurt in a car accident
  • Comprehensive/collision deductible of $500, plus towing and rental car reimbursement

Her quotes for Plus coverage range from $155 to $194. That means she more than doubles her insurance coverage for just $10 more per month. Not bad!

5. What Are Some Other Ways to Save Money on Nebraska Car Insurance?

  • Drop the extras: On Compare.com, you can click “Customize coverage” to create a personalized insurance plan. Adjust your deductibles, add or delete towing and rental car coverage, and choose specific limits for different aspects of your coverage to reduce your premiums
  • Pay up front: Paying your NE insurance premiums month to month may be easier on your budget, but you’ll end up paying extra in the form of installment fees and down payments. Pay up front, if you can.
  • Make sure you get all the discounts you can: Discounts can knock a few dollars off your Nebraska auto insurance quotes. Does your car have automatic disabling (like a smart key) or other anti-theft devices? You can get a discount. Are you ok with a paperless policy? That’s another discount

6. I Can’t Afford Nebraska Car Insurance. What Happens if I Drive Without Insurance?

Driving without insurance in Nebraska can get you into trouble. Your driver’s license will be automatically suspended after a conviction for driving without insurance. To get it back, you’ll have to pay a $50 fee and carry expensive SR-22 insurance.

Instead of taking the risk, why not use Compare.com to buy cheap NE car insurance online? Start now.

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