Columbus, NE Car Insurance

Accidents can happen to anyone, anywhere, at any time. Drivers in Columbus, NE are required to have auto insurance that can cover the costs of a motor vehicle collision. Whether you are involved in a fender bender on Howard Boulevard or a multi-vehicle crash on Route 30, you may find some comfort in knowing you have a reliable insurance company picking up the costs. Finding the best auto insurance policy in Columbus is easy when you work with an independent insurance agent. Learn more by contacting an agent near you.

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How Much Does Car Insurance Cost in Nebraska?

• National Average Cost per year: $1,311
• Nebraska Average Cost per year: $1,086
• 38th Most Expensive Auto Premium in U.S.

The good news is the drivers in the state of Nebraska pay lower car insurance rates than in most other states. Of course, an average rate can only give you a ballpark idea of how much you might actually be expected to pay. Insurance companies base their rates on several different factors. They will want to know information about your vehicle such as its make, model, year and safety features. They will also review details about the licensed drivers in your household, including their driving histories. The amount of your deductible can influence your costs as well.

You are likely to be quoted different rates by each insurance company you contact. That is why it pays to comparison shop. When you work with an independent insurance agent, they can save you time by doing the comparison shopping for you. They may even help you get discounts by bundling your coverage with other policies such as home insurance or renters insurance.

Nebraska Car Insurance Requirements

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Not required
• Uninsured motorist coverage: Required
• Minimum Liability Limits: 25/50/25; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $25,000 coverage for property damage.

The state of Nebraska requires all drivers to carry insurance that meets or exceeds these minimums. If you are caught driving without insurance, you can face fines and have your license suspended or revoked until you can provide proof of coverage. In the case of most accidents, Nebraska’s minimum liability insurance requirements are high enough to fully cover you. However, if you cause a major collision that results in serious injuries or fatalities, you may find that your costs greatly exceed these limits. That is why many drivers in Columbus opt to buy higher levels of liability coverage than the state requires.

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Number of Uninsured Motorists in Nebraska

Uninsured motorist coverage is designed to cover damages and injuries that may result if you are in an accident caused by an uninsured or underinsured motorist, or hit-and-run driver.

• How many US drivers are uninsured? 12.6%.
• How many Nebraska drivers are uninsured: 6.7%.

Although the at-fault driver is responsible for covering your damages and medical costs following a collision, it can be very difficult to collect this money if that driver is uninsured. Nebraska requires vehicle owners to include uninsured motorist coverage with their auto policies. That way, your own insurance company can cover your costs and will handle the difficult job of collecting from the liable party.

Number of Auto Thefts in Columbus, NE

There are about 20 auto thefts reported in Columbus each year. That is a rate of 0.84 thefts per every 1,000 vehicles. This is much lower than the state and national rates, which can mean lower insurance rates for city residents.

• National number of thefts per 1,000 vehicles: 2.94
• Nebraska number of thefts per 1,000 vehicles: 2.26

If your car is stolen in Columbus, your auto insurance will only provide compensation if your policy includes “other than collision,” or comprehensive, insurance. This optional insurance is designed to cover non-collision-related loss and damage such as may be caused by falling objects, floods, fires, and property crimes. 

Why Work with an Independent Insurance Agent?

Vehicle owners in Columbus can turn to independent insurance agents for assistance when they are shopping for the right car insurance. These agents can work with several different insurance providers to help you find the best policy to meet your coverage and budgetary needs.