Stats in Your State
Gaining an understanding for how car insurance works is valuable, and crucial to getting the most out of your policy. That understanding begins with the statistics and factors that affect the price of car insurance in Nebraska.
Auto Insurance Premiums
The easy driving terrain and relatively predictable weather in Nebraska make for some of the least expensive car insurance rates in all of the U.S. Between 2000 and 2008, Nebraska car insurance rates crested $600 only three years before dropping again in the latter half of the decade. The national average was ranged from $724 to $838 during the same period.
Traffic Fatalities over time
Nebraska yearly traffic fatalities have been on a steady decline since 2002, when a decade-high of 307 deaths occurred on Nebraska roads. Fortunately, stricter safety standards and more restrictive driving laws helped reduce this number to 181 by 2011.
Auto Repair Costs
During both 2010 and 2011, Nebraska car repair costs have remained below the average U.S.car repair costs. These numbers are affected by a number of factors, including whether or not drivers actually fix their cars and what types of repairs are performed.
Rules in Your State
Knowing the rules of the road is key to staying safe and keeping your property and yourself intact. The Simple Dollar has gathered the necessary rules of the road for Nebraska drivers to get a handle on how to stay legal on the open highway.
Minimum Car Insurance Requirements in Nebraska
Liability coverage with the following minimum limits:
- $25,000, for bodily injuries to or death of one person in an accident
- $50,000, of bodily injuries or death of two people in an accident
- $25,000, for injury to or destruction of others’ property in an accident
Required Proof of Insurance in Nebraska
You must carry with you an insurance card with the following information:
- Name of insurance company
- Insurance policy number
- Effective date/expiration date of policy
- Year, make, and model of registered vehicle
- Name(s) of insured driver
Nebraska’s Graduated Driver License: Licensing Facts for Teen Drivers
The DMV stipulates:
- Hardship License for Minors? Yes. A School Permit may be issued to minors over the age of 14 who live in remote areas and must drive themselves to school.
- Learner’s Permit Age: 15 years. Drivers must log at least 50 hours of driving practice time and hold a permit for at least six months before applying for a restricted license.
- Restricted License Age: 16 years. Drivers must hold the unrestricted license for one year before applying for a full license. Additionally, they not drive from 12:00 am to 6:00 am for one year, and may only carry one passenger under the age of 19 for the first month.
- Full License (Unrestricted) Age: 18 years.
More Nebraskan Rules
Unfair Property and Casualty Insurance Trade Practices: These unfair insurance trade practices are clearly defined by the Department of Insurance as prohibited actions. If you feel you’ve been the victim of unfair treatment, consult with an attorney and consider filing a complaint against the insurer with the Department of Insurance.
Nebraska Rules and Regulations Search Tool: Use this search tool to browse the insurance regulations in Nebraska.
According to the Nebraska Department of Transportation:
|Administrative license suspension 1st offense?||6 months|
|Restore driving privileges during suspension?||If hardship is demonstrated, license may be restored after 30 days.|
|Are ignition interlocks mandatory for first offenders for the following offenses?||Yes|
|Are ignition interlocks mandatory for repeat offenders for the following offenses?||yes|
|Fine for first offense?||$500|
|Jail sentence for first offense?||7 days to 60 days|
Representatives & Resources in Your State
The links below provide a good jumping off point for readers to learn more about how insurance works in Nebraska, and how to reach out to the local government for assistance, guidance, and advice on how to choose a good policy and stay on top of your insurance needs.
Nebraska Department of Insurance
PO Box 82089
Lincoln, NE 68501-2089
Consumer Complaint Resource
Property and Casualty Information Resource
The property and casualty section of the Department of Insurance’s website links to some basic regulations, guidelines, and rules around property and casualty insurance.
These Department of Insurance guides cover all fundamentals of auto, home, health and life insurance. Consumers will find not only gain insight into how insurance works, but also learn about their rights as policyholders and find out where to turn if the time comes to file a complaint against their provider.
Nebraska Department of Roads
State of Nebraska Department of Roads – Main Office
P.O. Box 94759
Lincoln, Nebraska 68509-4759
1500 Highway 2
Lincoln, Nebraska 68502