Nebraska
- ~$40–$55
- ~$110–$135
- $25K/$50K/$25K
Nebraska offers relatively affordable car insurance rates, benefiting from moderate urbanization and a no-fault insurance system that provides PIP benefits. The state has generally lower accident rates, with vehicle ownership high and rural driving conditions impacting claims.
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Nebraska Auto Insurance Facts *
Drivers
- ~1.3–1.4 million licensed drivers as of 2023.
- ~91% household vehicle ownership.
- High use of pickups and SUVs.
- Uninsured motorist rate around 9%.
- Public transportation mostly limited to urban areas.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~14,000 | ~3,900 | 140 |
| 2019 | ~14,500 | ~4,100 | 145 |
| 2020 | ~13,200 | ~3,700 | 130 |
| 2021 | ~13,800 | ~3,900 | 135 |
| 2022 | ~14,200 | ~4,000 | 138 |
Laws & Regulations
- No-fault insurance system with mandatory PIP.
- Mandatory bodily injury and property damage coverage.
- Proof of insurance required at registration.
