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.
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.
