Kearney Car Insurance

Nebraska state law requires Kearney vehicle owners to have car insurance. This insurance can protect your finances whether you are involved in a fender-bender on Railroad Street or find yourself in a multi-car collision on 2nd Avenue. It is designed to cover the property damage and medical expenses that may result from these accidents. Shopping for auto insurance is easy when you work with an independent insurance agent. Find an agent near you for help finding the best car insurance policy in Kearney.

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 the US

Good news for Nebraska drivers! Car insurance rates in this state are lower than in most of the country. Of course, rates are determined on an individual basis based on details about your vehicle and driving record, so it is possible that your rates could be higher or lower than the rates above. Because every insurance company has its own way of calculating rates, you will probably get a different quote from each one you contact. That is why comparison shopping is always a good idea.

Independent insurance agents in Kearney can obtain a variety of quotes to help you get your coverage at the best price. They may even be able to get you reduced rates through a good student discount or for bundling your car insurance with another policy 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: 25/50/20; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $20,000 coverage for property damage.

Nebraska’s minimum coverage requirements are designed to be high enough to fully cover most vehicular accidents. However, if you cause a more serious accident that results in significant injuries or property damage, your costs may greatly exceed these minimums. In that case, you would be on the hook for making up the difference. That is why a lot of drivers in Kearney choose to purchase auto liability insurance at higher rates than the state requires. 

If you have a lot to lose and you want to be sure that your assets are fully protected, you may also consider purchasing an umbrella policy to further boost your liability coverage. A local independent agent can help you make an informed decision about how much coverage is enough and can even present you with quotes for varying levels of coverage. That way, you will know how much you can reasonably afford.

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Number of Uninsured Motorists in Nebraska

Driving without insurance in Nebraska is illegal. Violating this law can result in fines and the suspension or revocation of your driver’s license. While the rate of uninsured drivers in this state is comparatively low, this still means that thousands of uninsured drivers are on the roads each day.

• How many US drivers are uninsured? 13%.
• How many Nebraska drivers are uninsured? 6.8%.

If you are involved in a collision that is the fault of an uninsured driver, that person is responsible for compensating you for your damage and medical treatment. Unfortunately, this money can be very difficult to collect. Uninsured motorist insurance is designed to cover your costs. Your insurer will then work to collect the owed money from the at-fault driver. Uninsured motorist coverage is required in Nebraska. Learn more by talking to an independent agent in Kearney.

Number of Auto Thefts in Kearney, NE

There are only about 20 auto thefts reported each year in the city of Kearney. This equates to less than one theft per every 1,000 vehicles.

• National number of thefts per 1,000 vehicles: 2.28
• Nebraska number of thefts per 1,000 vehicles: 2.52
• Kearney number of thefts per 1,000 vehicles: 0.62

This is good news for residents of this city since it can help to keep insurance costs affordable. Comprehensive, or “other than collision,” insurance can cover you if your car is stolen. Just because the risk is low in Kearney doesn’t mean you should forgo this optional coverage. It can also cover damage caused by other non-collision events such as falling trees, fires, floods and vandalism. Talk to your independent agent to learn more.

Why Work with an Independent Insurance Agent?

Savvy car owners in Kearney turn to independent agents for help when they are shopping for the best price for car insurance. Independent agents can work with several different insurance providers so they can help you find a policy that meets your coverage and budgetary needs.

Find an agent in or near Kearney to get started.