Nebraska drivers face specific challenges on the road that make having solid car insurance coverage a must. Key factors include: 

• Unpredictable Weather: Nebraska experiences everything from icy winter conditions to hailstorms and torrential rains, increasing accident risks and vehicle damage. 
• Rural Highways and Open Roads: With large rural areas across the state, accidents in remote locations can lead to extended wait times for roadside assistance and higher towing costs. 
• Deer and Wildlife Collisions: Wildlife crossings are common in rural Nebraska, which raises the likelihood of collisions that can cause significant damage. 
• State Insurance Requirements: Nebraska law mandates car insurance to protect drivers in at-fault accidents, ensuring financial coverage for damages or injuries. 

Nebraska is an “at-fault” state, meaning that if you cause an accident, you are financially responsible for the damages. When it comes to auto insurance, the minimum required coverage will vary from state to state. For Nebraska, that minimum coverage includes: 

• Bodily Injury Liability: Coverage for others’ medical costs when you’re at fault. Minimum limits are $25,000 per person and $50,000 per accident.  
• Property Damage Liability: Coverage for others’ vehicles or property when you’re at fault. Minimum requirement of $25,000 per accident. 
• Uninsured/Underinsured (UM/UIM) Motorist Bodily Injury Coverage: Covers injuries if you’re involved in an accident with someone who either doesn’t have insurance or not enough insurance. This coverage has limits that are typically the same as standard liability coverage. 

Meeting Nebraska's minimum requirements only covers damages to the other party if you’re found to be at fault. To cover repairs to your vehicle with insurance, you need to add that to your coverage. 

Customizing your auto insurance policy ensures better protection for you and your vehicle. Nebraska drivers may want to consider these options: 

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 
• Medical Payments Coverage (MedPay): Helps cover medical expenses for you and your passengers after an accident. 

At Goosehead Insurance, we work with Nebraska drivers to create personalized policies that address unique needs, such as ensuring coverage for low-milage drivers or drivers who have unique customizations to their vehicle. 

In addition to coverage selections, the cost of car insurance in Nebraska varies widely based on several factors, including: 

• Driving Record: A history of accidents or violations can drive up premiums, while a clean record keeps costs down. 
• Age: Younger drivers typically pay higher premiums due to their increased risk level. 
• Vehicle Type: Luxury or newer vehicles often require more expensive coverage than older models. 
• Location: Urban areas like Lincoln and Omaha may see higher rates due to higher traffic volumes compared to smaller cities or rural areas. 

On average, Nebraska drivers pay approximately $500 per year for the state-required minimum coverage. Drivers that have policies that feature additional coverage pay on average about $2,400 annually for their premiums. 

Getting affordable car insurance in Nebraska doesn't mean sacrificing quality. Use these tips to lower your premiums: 

• Bundle Policies: Save money by combining your auto insurance with home or renters insurance. 
• Maintain Good Driving Habits: Avoid traffic violations and accidents to keep rates low. 
• Shop Around: Goosehead Insurance partners with top carriers to find the best rates tailored to your needs. 
• Ask About Discounts: Look for savings through safe driver programs, vehicle safety features, or automatic payment setups. 

At Goosehead Insurance, we’re dedicated to helping Nebraska drivers secure dependable car insurance coverage at competitive rates. Here's why Nebraska drivers trust us: 

• Access to Leading Carriers: We compare policies from national insurance carriers to offer the best options. 
• Knowledgeable Agents: Our team walks you through coverage options, simplifying the decision-making process. 
• Effortless Process: From quoting to customizing to finalizing your policy, we make the process seamless. 
• Exceptional Support: We prioritize customer satisfaction, supporting you throughout your insurance journey.