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Nebraska Insurance Guide
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Insurance in Nebraska
Find comprehensive insurance information for Nebraska (NE) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Midwest region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Nebraska (NE) |
| Region | Midwest |
| Population | ~2.0M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Nebraska Department of Insurance |
Health Insurance in Nebraska
Nebraska residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Nebraska
Nebraska has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Nebraska
Protect your home with coverage tailored to Nebraska’s specific risks and requirements.
Life Insurance in Nebraska
Find life insurance options available to Nebraska residents to protect your family’s financial future.
How Nebraska Compares
Understanding how Nebraska stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Nebraska | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,156 | $1,935 | -40% (below average) |
| Health Insurance (monthly) | $789 | $477 | +65% (among the highest) |
| Home Insurance (annual) | $3,678 | $2,377 | +55% (among the highest) |
| Uninsured Rate | 7.5% | 9.5% | -21% (near average) |
Key Insights
- Health insurance benchmark premiums rank #46 highest. Premium tax credits can significantly reduce costs for eligible residents.
- Homeowners insurance ranks #48 highest, often due to weather-related risks. Consider mitigation measures and shop for competitive rates.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Nebraska Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Nebraska (opens in new tab) - Federal health insurance marketplace for Nebraska
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Nebraska address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Nebraska Department of Insurance
- Phone
- 402-471-2201
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Nebraska?
Nebraska requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Uninsured/underinsured motorist coverage at 25/50 is also required.
How do I get health insurance in Nebraska?
Nebraska uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Nebraska expanded Medicaid in 2020, providing coverage for adults with incomes up to 138% of the federal poverty level.
Does Nebraska homeowners insurance cover tornado damage?
Yes, standard homeowners insurance covers tornado and wind damage in Nebraska. Located in Tornado Alley, Nebraska sees significant severe weather. Understand your wind/hail deductible, which may be percentage-based in high-risk areas.
Is hail damage covered by auto insurance in Nebraska?
Hail damage to your vehicle is covered under comprehensive coverage, not collision. Given Nebraska’s frequent severe thunderstorms and hail, comprehensive coverage is recommended even for older vehicles.
What is the average cost of car insurance in Nebraska?
Nebraska drivers pay approximately $1,100-$1,300 per year for full coverage auto insurance, which is below the national average. Omaha and Lincoln metro areas have higher rates than rural areas.
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[nebraska] Insurance Types
Compare insurance options available to [nebraska] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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