Nebraska drivers pay less than the national average for auto insurance, as the state average for Nebraska in 2010 was $1,379 compared to $1,528 nationwide.

Annual Changes

The change in rates for Nebraska between 2009 and 2010 was negligible. Insurers which operate there are free to set their own rates with no fixing or state regulation so that it is not possible to predict future trends. Especially because rates can even change during the course of a single year, drivers are advised to check Nebraska car insurance rates on our site in order to make sure that they are paying the lowest possible price.

Seasonal Changes

Changes did occur in the average annual premium for Nebraska in 2010, most notably in April when insurance prices peaked before returning to their former level and then falling in August and September. Fall and winter prices rose slightly once again before leveling at the end of the year. Insurance premium rates can be volatile in Nebraska, and drivers are advised to check for the best prices by shopping around and obtaining multiple quotes.

Insurance Requirements

Nebraska minimum mandatory requirements include personal liability coverage of $25,000 per person and $50,000 limit per accident, along with a $25,000 property damage liability limit. However, Nebraska works under a tort system, where one party must be judged responsible for any accident. The responsible party is then held liable for the entire cost of the accident. Higher limits are therefore recommended to protect assets in the event of a lawsuit. Coverage to protect against damage caused by an uninsured or under-insured driver is available in Nebraska and it is usually recommended, especially because the minimum state requirements are quite low.

Advice for Getting the Best Deals

Regional and national insurers are active on the Nebraska auto insurance market. It is not possible to determine which companies offer the lowest rates as each firm uses different criteria to set rates for different drivers and cars. Experts recommend obtaining multiple quotes from reliable insurance companies which are rated A or higher by A. M. Best. In addition, it is advised to check J. D. Power ratings for consumer service related information.

Nebraska drivers are encouraged to use this site as their resource for the timely insurance news and multiple quotes that help them get the lowest possible auto insurance rates.