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Nebraska Car Insurance

Nebraskans deserve car insurance that’s there to protect them while traveling throughout the state. Amica will help safeguard your journey, whether you’re running errands around Kearney or visiting the capital city of Lincoln.

Amica offers customized Nebraska car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for coverage that meets your unique needs.

Understanding Nebraska’s auto insurance minimums

In Nebraska, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.

Property damage liability coverage: Coverage for damage you cause to someone else’s property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party’s vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, Nebraska mandates coverage for uninsured motorist bodily injury, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you’re injured in an accident caused by a driver who’s uninsured or doesn’t have enough coverage to pay for your medical bills and other expenses.

It’s important to understand that these are just the minimum requirements, and Nebraska drivers may choose higher coverage limits for added protection.

Additional coverage considerations in Nebraska

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your financial assets, but may be required coverage if you lease or finance your car. Here are some additional coverage Nebraska drivers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collison coverage: Coverage for repairs to your vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault.
  • Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
  • Roadside assistance coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking doors and getting your vehicle unstuck from mud or snow.
  • Repairing or replacing auto glass: Provides coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

Key factors impacting Nebraska car insurance rates:

There are several factors that impact auto insurance in Nebraska, including individual circumstances, location, claims in your state and more. Consider these points:

  • Driving history: Your individual driving record significantly impacts insurance premiums. Drivers in Nebraska with a history of accidents or traffic violations typically face higher rates, while those with clean records may see lower rates.
  • Coverage options and limits: Opting for the state-mandated minimum coverage is usually less expensive, while adding optional coverages with higher limits will increase protection and premiums.
  • Vehicle type: Factors such as the make and model of your vehicle, its safety rating, and repair costs all influence your car insurance premiums in Nebraska. 
  • Weather patterns in Nebraska: Weather-related incidents impact your rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of these reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings in Nebraska with auto insurance discounts

Amica offers various auto insurance discounts to help Nebraska policyholders save money on their premiums.1 Here are some ways you can save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program. 
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years. 
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn more savings. 
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Nebraska policy premium up front.

If you’re a Nebraskan in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.1

Facts and figures about Nebraska

Fun facts about Nebraska:

  • Nebraska is home to Carhenge, a unique replica of Stonehenge. Constructed in 1987, this structure comprises 39 cars arranged in the same proportions as the original Stonehenge monument.2
  • The Cowboy Trail is nearly 200 miles long and can be used for horseback riding, biking or walking. Part of the trail was developed from the old Cowboy Railway Line.3
  • The first Arbor Day in America occurred on April 10, 1872. It is estimated that nearly a million trees were planted by Nebraskans in observance of the event.3

Facts about driving in Nebraska:

  • When driving in Nebraska, watch for deer from dusk to dawn, especially in spring and fall, near waterways and wooded areas.4
  • Nebraska uses pedestrian hybrid beacons. These devices are specifically designed to warn and control traffic at locations without signals, assisting pedestrians in crossing streets or highways at marked crosswalks.4
  • In Nebraska, the use of studded tires is permitted only between Nov. 1 and April 1.4

How to get car insurance in Nebraska

We’re here to guide you through the process of personalizing your car insurance in Nebraska. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Nebraska drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Nebraskans can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary. 
2 Carhenge
3 80 Interesting and Fun Facts About Nebraska
4 Nebraska Driver’s Manual
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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