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Cheapest Car Insurance Rates In Nebraska (2018)

Finding cheap auto insurance in Nebraska is far more difficult than it should be. The reason is because different insurance companies cater to different types of drivers, and each has its own system for calculating premiums.

To help you find the best rates, our Geeks compared quotes from nine leading insurers, and we segmented our study into the following driver categories:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$120/month estimate

$/month estimate

Being a safe driver will pay off in more ways than one. Besides reducing your risk of injury, a cautious approach to driving could also save you hundreds if you find an insurance company that offers a safe driver discount. If you live in Nebraska and you’ve never been in a collision, our team recommends that you compare rates from Allstate and Progressive.

Best Rates For Teen Drivers

$116/month estimate

$/month estimate

You’re probably aware that accident rates are particularly high among teenagers. No matter how responsible a young driver is behind the wheel, it takes experience to be able to anticipate and avoid dangers on the road. As such, insurance companies see teenagers as a bigger liability. If you’re trying to find cheap auto insurance in Nebraska for a young driver, our study found that Allstate and Progressive are your best bets.

Best Rates For Drivers With A DUI

$163/month estimate

$/month estimate

Since there are so many people with a DUI or DWI conviction, some car insurance companies actually cater to drivers in this category. If you’re sick of paying out the nose and you want to find cheap car insurance after a DUI or DWI in Nebraska, consider getting a quote from Allstate or Progressive.

Best Rates For Senior Drivers

$/month estimate

$109/month estimate

If you’re an older adult and you don’t drive that often, consider getting a quote from Progressive and Allstate. Our study identified these two carriers as having the lowest auto insurance rates in Nebraska for drivers age 65.

STUDY METHODOLOGY

The default motorist used in most parts of our study was a 29 year old who drove 12,000 miles annually. Our researchers averaged the rates of both males and females in five Nebraska zip codes. The car in our analysis was a 2014 Toyota Corolla. The teen motorist in our study was looking for coverage that met the state’s minimum insurance requirements, but for all other categories, we used liability limits of 50/100/25 and the same limits for uninsured motorist coverage.

How Much Car Insurance Coverage Are Motorists Required To Carry In Nebraska?

All drivers in Nebraska must buy a car insurance policy that covers $25,000 for bodily injury to one individual, $50,000 for bodily injuries in one wreck, and $25,000 for property damage. Uninsured motorist coverage for bodily injuries is required with minimum limits of $25,000 per person and $50,000 per crash.

Penalties For Driving Without Car Insurance In Nebraska

Two of the country’s biggest highways pass through Nebraska, making the state a nucleus for commuters, truck drivers and holidaymakers. As a result, the roads are heavily policed with officers pulling over anyone breaking the rules of the road. And if you’re caught driving without insurance, the police and courts aren’t about to let you scamper off with just a light slap on the wrist.

First Offense

If you’re pulled over in Nebraska and cannot present proof of auto insurance, your license and registration will both be suspended. While you will not be fined, you will be forced to pay a $50 fee to have both documents reinstated.

But first, you will have to prove to the Department of Motor Vehicles that you are insured by presenting a copy of an SR-22 form that confirms you possess up-to-date liability coverage. This form must be kept up-to-date over the next three years; failure to do so will immediately alert the Department that you are once again uninsured.

Second Offense

Unlike other states, a second offense for driving without car insurance in Nebraska does not carry stricter penalties. Once again, your license and registration will be suspended, and you will be required to pay a $50 reinstatement fee and present a copy of your SR-22 form to the department.

Steps To Take After A Car Accident In Nebraska

This guide will keep you safe and bolster your claim in those first vital hours after a crash:

1. Don’t Panic

The metallic smack, the spray of shatterproof glass, the whoosh of an inflating airbag; a collision can be a dizzying kaleidoscope of snapshot moments. It’s easy to panic, but you should instead concentrate on taking long, deep breaths and start assessing the situation. Are you hurt? Is anyone else injured? Are you in immediate danger?

Once you have provided assistance where you can, your next step should be to dial 911. Do not leave the scene of the crash even if other motorists involved have fled. Leaving the scene could lead to the revocation of your registration and suspension of your driver’s license.

2. Gather Information

In Nebraska, you will be required to provide specific information to other motorists, pedestrians and passengers involved in the crash. Those other parties will also be required to disclose their information with you. Always remember to take down the following:

  • Addresses, contact details and names of anyone involved in or witnesses of the accident;
  • Plate numbers of the other cars;
  • Driver’s license numbers of the other motorists; and
  • The insurance information of the other motorists involved in the accident.

Our Geeks suggest snapping a few pictures cataloguing the details of the scene, from the damage to any vehicles involved to road markings that may aid investigators in deducing who was at fault.

3. Report The Accident

You are required to submit a Driver’s Motor Vehicle Accident Report within 10 days after the accident if the crash led to injury or death and the resultant property damage totaled or exceeded $1,000. Failing to report an accident may lead to your driver’s license being suspended by authorities.

Your report should include your liability insurance information.

Common Mistakes To Avoid When Filing A Car Insurance Claim In Nebraska

Not Seeking Medical Help

You might feel like you survived the crash unscathed. But many injuries will only emerge weeks or months after the accident took place, when it’s already too late to file a claim to cover the resulting medical costs.

A doctor will be able to assess your health in the wake of an accident and determine whether you have sustained any underlying injuries. For example, your doctor may uncover damage to your neck or spine, injuries that can cost thousands of dollars to treat.

You should schedule an appointment with your doctor to assess your injuries immediately after an accident.

Not Taking Pictures

You might not be feeling snap happy after your car was totaled in an accident, but taking a few photos of the scene, damage to your vehicle and the other vehicles involved, and even your injuries could help bolster your claim.

 

cheapest car insurance in nebraska

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