Nebraska Auto Insurance

"Being insured is the law in Nebraska"

Consumers have questions and so did we...

• What are the types of insurance coverage and what are the amounts required for the state of Nebraska.

• What does the law say pertaining to minimum insurance coverage in Nebraska?

Nebraska has strict mandatory policies about vehicle registration, insurance coverage minimums, and financial responsibilities pertaining to every vehicle owned, operated, or parked on its roadways. In Nebraska, you can obtain your learner’s permit at fifteen and your restricted license at sixteen, with a full license at seventeen.

To adhere to Nebraska's auto insurance rules, you must...

In Nebraska, you must maintain a current insurance policy with a registered insurance company or broker carrying the minimum insurance requirements or greater. There are many different types of insurance, at competitive rates, so shop around for the best price. Be aware that once insured, if you miss a payment on your policy, your insurance could be cancelled, without notice.

1. Nebraska requires each driver to carry third party liability insurance, also called PLPD, accidental benefits coverage, and uninsured and unidentified driver’s coverage, which insures you, in case you injure someone, cause a death, or damage someone’s property in a motor vehicle accident.

In Nebraska, you must have third party liability insurance for bodily injury with each person allowed $25,000.00, up to maximum of $50,000.00, as well as an additional $25,000.00 for property damages. If there are more than two people injured, whoever files first gets the settlement.

2. In Nebraska, you must carry your driver’s license and proof of insurance, which has not expired, in your motor vehicle. If you driver’s license has been suspended, or your insurance has expired, your vehicle could be towed to the compound by the police. You driver’s license can also be suspended if you owe back child support.

Important facts about auto coverage in Nebraska:

• Your driver’s license can be suspended, if you are caught driving without adequate insurance, with too many fines, or driving while under the influence of alcohol or refusing to take a blood-alcohol test, and leaving the scene of an accident or failing to file an accident report. Seat belts are mandatory in Nebraska.
• You are required to change your driver’s license, if you move, within seven days.
• Your insurance agent has access to your driving record to check for fines, suspensions, and accidents that can cause your policy to increase or be cancelled.
• If you are in an accident, and do not have the minimum insurance, you are financially responsible for all injury and damage settlements awarded by the courts.

Comprehensive or collision insurance does NOT meet minimum requirements.

Used Cars in Nebraska

Auto Insurance FAQ

Question: Best auto insurance for the nebraska area?
Just looking for the cheapest auto insurance quote, any ideas who i should try?

Answer: I suggest you visit a nearby auto insurance agent to help. Since I live in New York I can't recommend an agent in Nebraska, but here is an online resource that can help you. http://www.usinsuranceadvisor.com/Auto-Insurance.html Good Luck!

Question: Do all states now allow auto insurance companies to check your credit?
A few years ago when I lived in Oregon Auto insurers could (and did) check your credit but Washington law didn't allow it- you could get car insurance without giving out your social security number. I am in Nebraska and need to know- do I have to give out my SSN to insurers?

Answer: There is no ONE insurance company that is right for everyone - everyone is rated individually - and all companies have different "likes and dis-likes", different credit tiers, different business models, and many other factors that can vary your rate - and a QUOTE is ONLY a quote until the policy is issued. Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. A lot of these reports might get a BETTER finding with your SSN BUT we CAN get this info WITHOUT your SSN. The best thing to do is call a LOCAL independent agent or broker. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can. In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators! Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem! Good luck, drive RESPONSIBLY and I hope this helps!

Get Insurance for another state/province