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The Cornhusker State
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Nebraska Auto Insurance
If you live in Nebraska, you’re probably a nature lover. And if you’re a nature lover, you’re probably off driving around to different parts of the state to enjoy all the sites that Nebraska has to offer. Whether you’re a nature lover or not, driving does come with unforeseeable dangers. The best way to protect yourself and your family is to be insured against those incidents that can happen to you and your car.
Auto Insurance Specialists can help you figure out what coverage is required by your state, how much you need for the best coverage and still stay within your budget.
Required Auto Insurance in Nebraska
In Nebraska, drivers legally need to maintain Auto Insurance that meets the minimum Liability Insurance coverage required. This coverage must also include the minimum Bodily Injury and Property Damage Insurance coverage required. These coverages will help protect you from damage that is caused to others by your car.
State Minimum Liability Coverage in Nebraska
- BI or Bodily Injury: $25,000 per person; $50,000 for injuries to multiple people in an accident
- PD or Property Damage: $25,000 per accident
To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Nebraska
Even with the minimum required Liability Insurance for Nebraska, it is likely still not enough to cover most accidents. The coverage options below can be added onto your Nebraska Auto Insurance policy for an additional premium and better peace of mind.
Below are some examples of additional coverages you can add to your Car Insurance policy:
- Collision Coverage*: This covers the cost associated with damages to your car after an accident.
- Comprehensive Coverage*: This coverage will pay for the costs associated with damages to your car resulting from non-accident-related causes.
- Medical Payments: This coverage helps pay for your own medical payments that are incurred after an accident.
- Uninsured Motorist Coverage: If you get into an accident with an uninsured or underinsured motorist, this covers you for the costs that come after the accident, up to policy limits.
*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.
You are under no obligation to purchase any of these optional Auto Insurance policies, but they can provide you with a better peace of mind while you're on the road. If you're considering adding any of these optional coverages, contact a knowledgeable AIS agent today for assistance.
Most Stolen Car Models in Nebraska
If you own a car that is highly targeted for theft, you may find your car insurance rate is increased. According to www.nicb.org, these are the top 10 cars that were stolen in Nebraska in 2017:
- Honda Civic
- Honda Accord
- Chevrolet Pickup (Full Size)
- Ford Pickup (Full Size)
- Dodge Pickup (Full Size)
- GMC Pickup (Full Size)
- Chevrolet Impala
- Jeep Cherokee/Grand Cherokee
- Toyota Camry
- Dodge Pickup (Small Size)
Licensed Drivers in Nebraska
Nebraska Auto Insurance Discounts
Taking advantage of the discounts below can help you save money on your Car Insurance in Nebraska.
These are some of the common discounts that are available to Nebraskans:
- Good Driver Discount
- Good Student Discount
- Multi-policy Discount
- Anti-Theft Device Discount
- Safety Device Discount
To learn more about specific discounts, visit our Discounts page.
Nebraskans choose to settle here because of the beautiful way of life. There are many gorgeous places to explore all over the state, but you’re likely going to have to drive to get to them. Keeping you and your family protected financially and legally with the required Auto Insurance will keep your road trips enjoyable. If you don’t want to spend hours searching for low rates and the best coverage amongst hundreds of carriers, AIS is here to help. We search and find the best rates and coverage from our high-quality insurance partners. The helpful professionals at Auto Insurance Specialists are an excellent asset to Nebraska drivers. For further information and a free quote on a Nebraska Auto Insurance policy, call us at AIS today!