Buying Auto Insurance Online in America

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This page outlines the latest facts, stats, and rates pertaining to Nebraska auto insurance.

Read on to score the cheapest possible annual premium package on your Nebraska car insurance.

Shown above: "Carhenge" near Alliance, Nebraska

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average auto insurance rates

The Average Annual Auto Insurance Premium for a vehicle owned in the state of Nebraska was around $1,214 for this year, a bit lower than the overall national average, which was about $1,365 over the same time period.

Nebraska's slightly lower than average premiums may be a function of any or all of the following factors:

relatively low crime rates
low percentage of uninsured vehicles
low rate of fatalities from DUI and speeding
low population density
super strong economy

penalties for uninsured drivers

The penalty for getting ticketed while operating an uninsured car in Nebraska is license suspension until proof of car insurance is provided.

Uninsured Nebraska drivers also face fines, reinstatement fees, and jacked up annual premiums.

minimum liability coverage for vehicles owned in nebraska

By state law, Nebraska car owners are required to purchase a minimum insurance coverage of 25/50/25 for each owned vehicle.

In other words, drivers in the state of Nebraska must have $25,000 in personal injury protection, $50,000 in coverage for death or injury to others, and $25,000 to cover the cost of property damage.

United States insurance experts recommend 100/300 injury coverage per vehicle, in Nebraska and in all U.S. states, along with Uninsured Motorist (UMI) protection.

Despite the above mentioned legally required minimums, roughly eight percent of vehicles on Nebraska roads are uninsured.

lowering the cost of nebraska car insurance

Nebraska drivers reduce car insurance premiums in a number of ways. For instance, most carriers offer discounts to encourage safe driving habits. Many discounts can be combined into a single policy. Available discounts include

Good Driver discounts,
Accident Free discounts,
Good Student discounts,
Senior Citizen discounts,
Multiple Policy discounts
Vehicle Safety discounts

...and more.

There is no limit to the number of discounts you can have on your policy. So ALWAYS ask about the discounts! Grab every discount you qualify for. They really do add up to significant savings on annual auto insurance premiums.

Other rate-reducing tactics include

Paying off annual premiums in advance
Accepting a slightly raised deductible
Living alone, or with low-risk drivers
Not driving for three years, thereby creating a perfect, mishap-free "driving" record.
Own a basic used car with safety features installed. This will be cheaper to insure. You don't really need a BMW.