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Nebraska Car Insurance Resources

Nebraska Car Insurance

Car Insurance Rates in NE

^ From 2006 to 2010, Nebraska cities had the 47th highest auto insurance rates in the nation. [2]

Car Insurance in NE by City

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Cars Insured in NE

^ Nebraska ranked 37th of all U.S. states in total auto insurance policies in 2011. [1]

NE Car Insurance

Car Insurance in Nebraska

Car Insurance Liability Requirements in Nebraska

  • Minimum Liability Limits in NE: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Nebraska

Required Car Insurance Coverage in Nebraska
  • Auto Insurance Coverage Requirements in NE [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage

Car Insurance Verification Laws in Nebraska

  • Insurer Verification of Auto Insurance in NE [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify financial responsibility or insurance after an accident or arrest.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Nebraska Car Insurance Facts, Estimates & Related Laws

Nebraska Car Insurance Facts

Nebraska Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in NE
    • Nebraska had the 46th highest auto insurance rates in the nation in 2010. [2]
    • Rates in NE ranked 47th in the nation in 2009. [2]
    • In 2008, NE had the 48th highest rates in the country. [2]
  • Number of Auto Insurance Policies in NE
    • Nebraska ranked 37th in the nation in auto insurance policies in 2011 with a total of 1,492,531. [1]
  • Uninsured Motorist Rate in NE
    • The uninsured motorist rate in NE ranked 46th in the nation in 2009. [3]

Nebraska Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Secondary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Nebraska Automotive Laws

  • Safety Belt Laws in NE
    • Safety belt laws have been in place since 1993 and apply to drivers/passengers 18+ years in front seat. [7]
    • Child restraint law in place for 5 years and younger. [7]
  • Motorcycle Helmet Laws in NE
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in NE
    • Renewal cycle: 5 years [7]

Nebraska Auto & Driver Facts

Nebraska Automotive Facts

Nebraska Auto & Driver Facts
  • Speed Limits in NE
    • Rural interstates: 75 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 60 mph [7]
  • Motor Fuel Consumption in NE
    • Nebraska cities collectively ranked 37th in the nation in total motor fuel consumption in 2011. [9]

Nebraska Licensed Drivers

  • Licensed Drivers in NE [10]
    • Total Drivers: 1,356,377
    • Female: 676,726
    • Male: 679,651
    • NE has the 37th most drivers in the U.S.
  • Minimum Driving Age in NE [5]
    • Nebraska has a minimum driving age of 15 years.

Nebraska Auto Registrations

  • Auto Registrations in NE [8]
    • Registered Cars: 766,395
    • Registered Trucks: 1,065,473
    • Registered Motorcycles: 51,376
    • Total Registrations: 1,886,956
    • Rank: Nebraska ranked 35th in the United States in total auto registrations in 2011.

Additional information about Nebraska

About Nebraska

Nebraska has a population of approximately 1,826,341, which ranks 37th in the U.S. among all states. [6]

NE Car Insurance

More about Nebraska auto insurance

For more information about auto insurance in NE, or for additional resources regarding Nebraska car insurance, visit the Nebraska Department of Insurance.

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Nebraska Cities