Nebraska is known for farmlands and plains and is also home to North America’s largest sand dunes.  The Badlands have beautiful rock formations sculptured by the winds in this area. Whether motorists are traveling the plains, the badlands, the marshy areas of Nebraska or simply traveling to work on Omaha roads, Nebraskans need proper auto insurance coverage. In general, Nebraska auto insurance rates are among the lowest in the country.  The average rate for Nebraska auto insurance  for the 2007 year was just $1579.00 and that is less than the national average by $317.00. Of course, this represents the Nebraska state average and individual motorists will pay higher or low rates based on their particulars.

Nebraska Auto Insurance Requirements

The State of Nebraska requires that its insured carry state minimum requirements for Bodily Injury Protection and Property Damage in case they are found to be at fault in an auto accident.  The Nebraska state minimums are set at 25/50/25.

• Bodily Injury Liability – Nebraska auto insurance coverage will pay out up to $25,000 in case a passenger in the other vehicle has been injured and requires medical treatment.
• An additional amount of up to $50,000 will be paid out in total for more than one passenger of the other car injured in the car accident.
• Property Damage Liability – Basic Nebraska auto insurance coverage will pay out up to $25,000 for damages that the at fault driver has caused to the other vehicle. It will also pay for public property damages such as damage to traffic signs and private property damage such as damage to a privately owned home.

These are the basic limits set by the State of Nebraska and higher coverage should be taken out to offset the ever-increasing rising costs for medical and property damages.

Nebraska also recommends that its drivers carry Comprehensive and Collision coverage to pay for the damage they have caused to their own cars in the collision. Comprehensive and Collision also gives added protection in case the at fault driver does not carry sufficient Nebraska auto insurance or the comprehensive and collision carrier sustains damages to their car due to contact with wildlife or damage from natural occurrences.

Since so many motorists on the roads fail to carry insurance, the state of Nebraska recommends that its Nebraska auto insurance include Uninsured/Underinsured Motorist coverage.  This coverage will make sure that the carrier is insured against a hit and run accident or when the driver deemed at fault is not insured or does not carry sufficient coverage.

Nebraska auto insurance companies also carry gap insurance.  Gap insurance is very important when the insured is driving a car that is still not paid for.  Should that car get totaled in an accident, the Nebraska auto insurance company will only pay the Blue Book value. However, the motorist may still owe a loan, which is higher than the amount to be received according to the Blue Book.  Gap insurance will cover the difference.