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As long as you own and drive a motor vehicle in Nebraska, you have the legal requirement of satisfying the state’s auto insurance laws. In other words, you should have and maintain the minimum required liability coverage. With a Nebraska car insurance policy, not only will you avoid receiving penalties but it will also help you pay for road-accident related expenses.

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Average cost of car insurance in Nebraska

The National Association of Insurance Commissioners (NAIC) claim that the average person pays roughly $638.74 for car insurance in Nebraska each year.

They broke this figure down to:

$347.57 is the average annual liability insurance expenditure.

$220.73 is the average annual collision insurance expenditure.

$205.38 is the average annual comprehensive insurance expenditure.

Young Drivers in Nebraska

Our methodology1 determined that a young driver in Nebraska can expect the following premium averages:

  • $717.6 for state minimum coverage2,
  • $1606.8 for basic full coverage3 and
  • $2503.2 for premium full coverage4.

A primary factor contributing to the high cost of auto insurance for young drivers is their lack of experience. Statistics show that young people have a higher percentage of getting involved in road incidents, which is why insurance companies consider them high-risk.

Female Drivers in Nebraska

A female driver can expect to pay the following yearly premium averages:

  • $376.8 for state minimum coverage,
  • $845.6 for basic full coverage and
  • $1375.6 for premium full coverage.

Our case study revealed that women typically pay less than young motorists because they drive more safely and prudently. It also has something to do with where they live. We found that a female driver living in Lincoln, the State Capital, with an estimated population of 277,348 (2015, latest data5), can pay as low as $27 a month.

Senior Drivers in Nebraska

Senior drivers can expect their premium averages to amount to:

  • $357.2 for state minimum coverage,
  • $745.6 for basic full coverage and
  • $1185.6 for premium full coverage.

The results we gathered show that older adults can pay even less than female motorists. Of course, this will still depend on a myriad of variables, such as the type of car they drive, claims history, and if they have taken additional driving classes.

Minimum car insurance requirements

As someone who lives in and possesses a car in the State of Nebraska, you should make certain you have the sufficient (and mandated) motor vehicle insurance coverage. Liability insurance is the only type of coverage required by the law, although you have to purchase the required minimums for it.

For you to comply with the state’s laws, make sure your policy has the following minimums: $25,000/person for bodily injury, $50,000/accident minimum for total bodily injury (applies to accidents wherein more than one person gets hurt), and $20,000 for property damage.

Maintaining these required coverage minimums will ensure your continued protection from legal liabilities. However, you should still consider purchasing even just the minimums for some of the other types of coverage available in Nebraska, including collision coverage, comprehensive coverage, medical payments coverage, and uninsured motorist coverage.

Violations and penalties 

Although the State of Nebraska has regulations less rigorous compared with most of the other states in the country, you should not take the laws surrounding car insurance here lightly. Know that when you get caught using your motor vehicle despite not satisfying NE’s automobile insurance laws, you can expect the authorities charge you with several penalties.

Even if you get caught only for the first time, you can already expect a suspension of your car’s registration, driver’s license, and license plates. The only way you can have all these three reinstated is upon dealing with the associated penalties.

These penalties include paying for the $50 reinstatement fee for the driver’s license and another $50 reinstatement fee for the motor vehicle’s registration, as well as supplying a 3 years’ worth of financial responsibility.

Driving safety in Nebraska

According to the National Highway Safety Administration, a total of 246 fatalities occurred in Nebraska during the year 2015. 26 per cent of this, or 65 cases, fall under the category of deaths due to alcohol-impaired-driving. This number represents an 8.3 per cent increase from the year before.

The Centers for Disease Control and Prevention further reports that, within the years 2003 to 2012, the number of vehicle occupant fatalities in the state totaled to 2,034. Many of these deaths have something to do with failure to wear restraining seatbelts. According to CDC, only 79 per cent of the total population in Nebraska wear these protective gear; 7 per cent lower than the national average.

Final thoughts

In comparison with car insurance laws in other states, Nebraska may not have as extremely rigorous and strict regulations. However, this does not mean you should just completely avoid it. Doing so just puts you and a lot of other people at risk. It really does pay to have a more extensive auto insurance. For more information on car insurance, click here.

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licensed drivers in Nebraska, 2014
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privately insured vehicles in Nebraska

Source: StatistaInsurance Information Institute

1Methodology: To achieve accurate results we obtained estimates for 10 cities in the state: 5 of the largest cities and 5 randomly picked smaller cities. For each city, we collected premiums for 3 levels of coverage: state minimum coverage, basic full coverage and premium full coverage. We used 3 different driver profiles for the case studies. For the young driver profile we used a 20-year-old single male or female with 1 year driving experience. Second, the profile fit that of a 35-year-old married female with 12 years of driving experience. The last profile we used in our studies is a male senior driver who was 68-year-old with 45 years of driving experience. The vehicle we used for all three driver profiles was a 2012 Honda Accord EX.
2State minimum coverage includes the minimum liability insurance limits required in your state but excludes the following:
  • No Collision and Comprehensive Coverage
  • No Towing Coverage
  • No Rental Car Coverage
  • No Full Glass Coverage
3Basic full coverage includes:
  • $50,000 Bodily Injury Liability Per Person/$100,000 Per Accident
  • $25,000 Property Damage Liability
  • $50,000 Uninsured Motorist Bodily Injury Coverage Per Person/$100,000 Per Accident
  • $25,000 Uninsured Motorist Property Damage Coverage
  • $750 Deductible Collision And Comprehensive Coverage
  • $50 Towing Coverage
  • No Rental Reimbursement Coverage
  • No Full Glass Coverage
4Premium full coverage includes:
  • $250,000 Bodily Injury Liability Per Person / $500,000 Per Accident
  • $100,000 Property Damage Liability
  • $250,000 Uninsured Motorist Bodily Injury Coverage Per Person / $500,000 Per Accident
  • $100,000 Uninsured Motorist Property Damage Coverage
  • $250 Deductible Comprehensive Coverage And No Deductible Collision Coverage
  • $75 Towing Coverage
  • $30/day Rental Reimbursement, Max Of $900
  • Full Glass Coverage
5Latest data: The U.S. census is conducted every 10 years as per requirement of the United States Constitution. The 23rd edition and the latest data is the 2010 United States Census. Source: https://en.wikipedia.org/wiki/2010_United_States_Census
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