Peaceful golden plains, low crime, and the hospitality of the Midwest all give Nebraska the appearance of a hospitable, easygoing state. And it is—unless you decide to drive without car insurance or proof of it. Nebraska laws and penalties with regards to driving uninsured are strict, which is one of the reasons it has one of the lowest uninsured driving rates in the country—just 8% as opposed to the national rate of nearly 15%.
Driving Without Nebraska Insurance
If you get caught driving without insurance, you will have to pay a fine of up to $1,000 and your vehicle license and registration will both be suspended. You could also have your car towed away on the spot. Reinstating licensing and registration is also pricey and involves obtaining SR-22 insurance, which proves you have minimum liability insurance and also notifies the DMV when it expires. This is also very costly. Drivers who are continually found driving without insurance are also subject to jail time.
Even if you have insurance but don't have proof in your car when you are pulled over, you can still be ticketed and forced to pay fines. However, there is no real reason for anyone to go without insurance. With Nebraska insurance rates some of the lowest in the nation, the minimum liability coverage is much cheaper than risking getting caught without insurance.
Nebraska Insurance Rates for Autos
Like all states, Nebraska has minimum requirements for legally driving. These include:
- Bodily Injury Liability: $25,000 per person/$50,000 per accident. This covers medical costs of the car(s) you hit in the event you are found at fault.
- Property Liability Insurance: $25,000. This covers any property you damage, including other vehicles, buildings, and so forth.
These are minimums and do not protect your own car or medical bills. In order to cover your car from damage, theft, or weather-related damage, you must have collision and comprehensive coverage.
Protecting Yourself From Uninsured Drivers
If you want to keep yourself protected from uninsured drivers (keep in mind that hit-and-run accidents fall under uninsured damage), then your Nebraska insurance rates should include quotes for uninsured bodily injury and uninsured property damage coverage. This will cover your medical bills and some repair costs associated with the accident if an uninsured driver was at fault.
Saving on Nebraska Insurance Rates
You don't need to pay an arm and a leg for our Nebraska insurance rates. There are many different ways to save money on quotes, including:
- Look for discounts. There are numerous discounts available for drivers, from good student discounts to customer loyalty discounts to safe driver discounts and more. Check with your company to see if you qualify for any.
- Keep a clean record. Your rates will stay low if you avoid tickets and accidents. If you do get a ticket, completing an approved defensive driving course in Nebraska will erase it from your record, leaving your rates unaffected.
- Shop around. The best way to save money is to shop around at different companies for quotes. Localinsurance.com is a great source for finding Nebraska insurance rates in your area. Not only that, but you can also get information on all types of insurance, so you'll be confident knowing you have the coverage you need at a price you can afford.
