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nebraska car insurance

Hi there, Nebraska driver. Whether your Cornhusker State cruising takes you through bustling urban centers like Omaha or Lincoln, or through the infamous one-person town of Monowi (seriously, how light is rush hour here?), you can get your Nebraska auto insurance from Esurance and hitch some peace of mind to your mental trailer.

As a proud member of the Allstate family, with an "A-plus" financial rating from A.M. Best, we've got you covered year-round with trusted service and affordable protection. Our cutting-edge online tools like Coverage Counselor® simplify car insurance, while our array of Nebraska car insurance discounts help save you major cash.

Start your Nebraska car insurance quote today and take advantage of all the perks we offer.

money-saving nebraska car insurance discounts

Looking for savings? You're in luck — you could qualify for big discounts for something as easy as owning a home, or for other things like paying your premium all at once (oh wait, that's just as easy).

Here are other car insurance discounts in Nebraska that we provide:

  • Multi-Car discount
  • Homeowners discount
  • Paid-in-Full discount
  • Good Student discount
  • DriveSense™ discount
  • Switch & Save® discount
  • Claim-Free discount
  • Multi-Policy discount

Discounts may vary. If you're already an Esurance policyholder in the Tree Planter State and you have questions about your Nebraska auto discounts, call us at 1-800-ESURANCE (1-800-378-7262).

car insurance coverages in nebraska

Required coverages

Nebraska auto insurance policies must include liability insurance. Drivers are legally required to carry at least the following limits:

  • $25,000 of bodily injury coverage per person
  • $50,000 of bodily injury coverage per accident
  • $25,000 of property damage coverage per accident

Liability coverage can help pay for damage you cause in an at-fault car accident. If you want more coverage than the base limits, you can opt for more protection when you get your quote. You'll often see these minimums written as 25/50/25.

Optional coverages

Car insurance in Nebraska comes with much more than just the basics when you entrust your ride to Esurance. We offer drivers in your state the following optional coverages, too:

  • Medical payment coverage
  • Comprehensive coverage
  • Collision coverage
  • CarMatch Rental Coverage®
  • Towing and labor coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage

Uninsured drivers in Nebraska

A 2011 report from the Insurance Research Council estimated that 8 percent of Nebraska's drivers were uninsured in 2009. That was below the national average of 13.8 percent.

Though it's not required, uninsured motorist coverage is relatively affordable and can come in handy after an accident caused by an uninsured driver.

nebraska’s rules on digital proof of insurance

Things just got a little easier for drivers in the Cornhusker State. Now if you get pulled over, you can provide electronic proof of insurance — like up-to-date ID cards on your phone, say. If you're covered by Esurance, you can download our free, easy-to-use mobile app for constant access to ID cards, policy management, and more.

esurance-approved repair shops in nebraska

Our Nebraska car insurance policyholders can take advantage of our E-star® network, which identifies top-of-the-line repair shops and allows customers to monitor repairs online through RepairView®.

Find an E-star shop near you.

why you pay what you pay for your nebraska auto insurance

The following factors typically affect your car insurance rate in the Cornhusker State:

  • Past driving record
  • Age, gender, and marital status
  • ZIP Code where your car is kept
  • Car year, make, and model
  • How you use your car (commuting, Sunday drives, etc.)
  • Credit-based insurance score
  • The coverages, limits, and deductibles you choose

alternative nebraska car insurance options

If you're considered a high-risk driver because of DUIs or a dubious driving history, you may have a hard time finding car insurance in Nebraska through typical channels.

If that happens, you might be eligible for the Nebraska Auto Insurance Plan. A licensed insurance agent can provide more info.

Related links

The Esurance Coverage Counselor®
Spend some time in our virtual office and get auto coverage advice tailored to your driving lifestyle.

Nebraska Department of Insurance
The official website of Nebraska's insurance department.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262