nebraska car insurance
Hi there, Nebraska driver. Check out our fact sheet for a better understanding of your Nebraska car insurance policy, from what's required to what's possible.
Nebraska car insurance basics
Nebraska drivers are legally required to carry liability insurance with 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. You'll often see these minimum limits written as 25/50/25.
Esurance in Nebraska
Good news, Huskers: Esurance is available to Nebraska drivers.
Find out about your coverage options and possible discounts or start your car insurance quote here.
Optional Esurance coverages
- Medical payment coverage
- Comprehensive coverage
- Collision coverage
- CarMatch® rental coverage
- Towing and labor
- Customized parts and equipment coverage
- Loan/lease gap coverage
Money-saving discounts available to Nebraska drivers
Thinking about buying an Esurance policy? You could qualify for these big discounts:
- Multi-Car discount
- Homeowners discount
- Paid in Full discount
- On-Time Payment discount
- DriveSense™ discount
- Switch & Save® discount
- Claim-Free discount
- Good Student discount
Discounts may vary. If you're a current Esurance policyholder with questions about your car insurance discounts, call us at 1-800-ESURANCE (1-800-378-7262).
Esurance-approved repair shops in Nebraska
Our 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 policy
The following factors typically affect your car insurance rate in Nebraska:
- Past driving record
- Age, gender, and marital status
- ZIP Code
- Car make and model
- How you use your car (commuting, Sunday drives, etc.)
- Credit-based insurance score
- The coverages, limits, and deductibles you choose
Uninsured drivers in Nebraska
A recent report from the Insurance Research Council estimated that 8 percent of Nebraska's drivers were uninsured. That was below the national average of 13.8 percent, but it still means that nearly 1 in 10 drivers lack coverage.
Though it's not required, uninsured motorist coverage is relatively affordable and can come in handy after an accident caused by an uninsured driver.
Alternative 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 through typical channels.
If that happens, you might be eligible for the Nebraska Automobile Insurance Plan. A licensed insurance agent can provide more info.
Nebraska driver information
Find out how Nebraska penalizes moving violations and learn how the graduated licensing program works.
Nebraska Department of Insurance
The official website of Nebraska's insurance department.