What is the average cost of car insurance in Nebraska?
Nebraskans paid an average of $957 a year, or $80 a month, for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s less than the nationwide average of $1,204 per year for coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
What auto insurance is mandatory in Nebraska?
A car insurance policy with a minimum amount of liability coverage is required in Nebraska, as it is in almost all states. It is against the law to drive without it, unless you file official proof of financial responsibility. However, minimum coverage may not be the full extent of coverage you want.
As of March 2023, 25/50/25 liability coverage limits are the minimum required in Nebraska.
COVERAGE TYPE
NEBRASKA MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$25,000 per accident
Uninsured motorist bodily injury liability
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Bodily injury liability
NEBRASKA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
NEBRASKA MINIMUM REQUIREMENTS
$25,000 per accident
COVERAGE TYPE
Uninsured motorist bodily injury liability
NEBRASKA MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
What does car insurance typically cover in Nebraska?
A typical car insurance policy in Nebraska includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages. Read more about coverage options in Nebraska with a Farmers Flex Personal Auto policy.
Nebraska car insurance discounts
Farmers offers a variety of discounts for drivers in Nebraska. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in Nebraska.
Scotts Bluff
Towering 800 feet above the North Platte River, Scotts Bluff was a prominent landmark for 19th-century emigrants heading west on the Oregon Trail. Now a national monument, the formation exposes 33 million years of geological history. — National Park Service
More coverage options in Nebraska
Nebraska home insurance
Learn more about what home insurance in Nebraska covers, available discounts and more.
View home insurance coverage details and discounts for Nebraska
Nebraska renters insurance
Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.
Learn From Experience
Still have questions about cars and car insurance in Nebraska? We have answers.
Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too
What Is Uninsured Motorist Coverage?
If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
