Everything You Need to Know About Auto Insurance in Nebraska
As the third largest city in Nebraska, Grand Island is known for its vast wilderness and nature reserves. Campers and outdoor enthusiasts can enjoy the 300+ mile Platte River or visit Rowe Sanctuary, where nature lovers can view Sandhill Cranes flying in all their glory.
Some of Grand Island’s top attractions include the Edgerton Explorit Center, St. Mary’s Cathedral, Happy Jack Chalk Mine Association, Crane Trust Nature & Visitor Center, and the world-famous Nebraska State Fair.
Auto insurance in Nebraska is required. All drivers must have an active auto insurance policy to drive legally in the state. Failure to do so will result in a suspended driver’s license and registration, fines, administrative fees, and plenty of aggravation. Keep reading to learn more about car insurance in Grand Island, including ways to save on your next monthly bill.
How Much Does Car Insurance Cost in Grand Island, NE?
Grand Island drivers pay an average monthly premium of $128 for full coverage, which is the same as the state average of $128 and well below the national average of $140. For the cheapest auto insurance in Grand Island, motorists will need to choose the state-required minimum liability, which costs on average $29 per month. This is about the same as the state at $28 per month, much less than the national average of $47.
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Why is Car Insurance so Cheap in Nebraska?
Mainly because Nebraska is a sparsely-populated state when compared with other states. Plus, it has a low rate of uninsured drivers. These are attractive factors to insurance companies.
Less people on the road means less chances for car accidents and claims.
The required liability in Nebraska includes uninsured motorist coverage, so insured drivers should be protected if they get hit by someone who is driving without any coverage.
Affordable Car Insurance Rates Comparison by Cities in Nebraska
For the average monthly premium paid in Nebraska cities, check out our breakdown below.
|City||Full Coverage Insurance||Liability Insurance Coverage|
Affordable Car Insurance Rates by Zip Code in Grand Island, NE
Residents in one zip code may pay significantly higher premiums than those of another zip code due to a higher claims rate, theft/vandalism rate, and other risk factors that make it more costly to insure vehicles.
For the average monthly premiums in Grand Island broken down by zip code, check out our chart below:
|Zip Code||Full Coverage Insurance||Liability Insurance Coverage|
Low-Cost Car Insurance Rates by Age in Grand Island, NE
As a general rule, older drivers pay lower premiums than younger drivers due to a more established driving record and a lower volume of claims.
For the average monthly premiums paid by Grand Island residents by age, check out our chart below:
|Age||Full Coverage Insurance||Liability Insurance Coverage|
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Nebraska. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Grand Island, NE
How Many Fatal Accidents Happen in Grand Island?
In 2019, there were two fatal road traffic accidents in Grand Island involving a total of three vehicles, three people, and zero pedestrians.
How Many Uninsured Drivers are in Grand Island?
Fortunately, Grand Island is not known for having a lot of uninsured drivers. There are 9.3% of drivers who are uninsured (or underinsured) in Nebraska. This makes the state the 34th in all states.
How Are the Road Infrastructure and Bridges in Grand Island, NE?
The Grand Island Public Works Department is vital in maintaining the city’s infrastructure. Its Street Division Works to support more than 900 Lane miles of Street. Over 70 traffic signals and more than 50,000 storm sewer catch basins. Given the region’s cold climate, there’s also an emphasis on ice control, plowing, and hauling.
Minimum Car Insurance Requirements in Grand Island, Nebraska
If you drive in Nebraska, you must meet these minimum liability auto insurance requirements:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability per accident: $25,000
- Uninsured/underinsured motorist bodily injury coverage per person: $25,000
- Uninsured/underinsured motorist bodily injury coverage per accident: $50,000
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What Are the Penalties for Driving Without Insurance in Grand Island, NE?
Do not think of driving without auto insurance in Grand Island, Nebraska.
All drivers caught driving without insurance at a traffic stop will face an automatic driver’s license and registration suspension. Expect fines and penalties with increased punishment for second and subsequent offenses. Reinstate your license by providing proof of insurance and filing for an SR-22.
An SR-22 is a proof of financial responsibility to the state that you carry the minimum required liability coverage. Expect your premiums to stay elevated for a minimum of three years, gradually lowering over time the longer you go without a moving violation or claim.
What is the Difference Between Full Coverage and the Minimum Liability in Nebraska?
Many drivers wonder why they should carry the much more expensive full coverage. It’s because there is much more financial protection with this policy. It includes the required liability insurance (or more, if you wish), plus you get the added benefit of comprehensive insurance and collision coverage.
This type of protection offers financial help if something happens to your car, typically when you are not driving. For example, is your vehicle is stolen or damaged due to a break-in, your carrier will help pay for a new one or to repair the damage left by the vandalism. Likewise, if your car is hit by a sudden hailstorm, this will help pay for the repairs. Comprehensive insurance is a boon to your bank account if something unexpected happens.
This will help pay for repairs to your vehicle after an accident – whether you are at fault or someone else caused the wreck. If you cause an accident or swerve to avoid hitting an animal and mow down someone’s fence with your automobile, this will kick in to help pay for your repairs. Your liability will only help pay for the other motorist’s repairs if you cause an accident. Collision insurance helps you.
Car Insurance Factors Allowed in Grand Island, NE
Every auto insurance provider has underwriting policies that assess the risk profiles of every policyholder.
Some factors insurers use in Grand Island to determine your premiums include:
- Marital status
- Driving record
- Vehicle make and model
- The annual number of miles driven
Discounts for Car Insurance in Grand Island, NE
Grand Island drivers could be eligible for many types of auto insurance discounts. Potential savings can start as little as 1% and go upwards of 25%, depending on the discount.
Discounts available to Grand Island drivers include:
Bundling or combining two insurance types on one policy (e.g. homeowners and auto insurance) is an excellent way to save.
Check your auto insurance company’s websites frequently to see what discounts are available. In addition, check for automatically applied premiums and optional premiums available for performing actions like enrolling in defensive driving courses, installing anti-theft devices, and participating in a telematics program to monitor your driving behavior.
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Low-Cost Car Insurance in Grand Island, NE Today!
Drivers who do not carry the minimum required auto insurance in Grand Island can expect serious consequences. Stay safe on the road with an active auto insurance policy from Freeway Insurance.
Freeway Insurance offers you multiple ways to get a quote. Visit us online or call 800-777-5620 to find out more.