Car Insurance in Bellevue, NE

Find out what you need to know about car insurance in Bellevue, NE.
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Bellevue: A Growing Omaha Suburb

Bellevue is a small city in the Omaha-Council Bluffs metropolitan area. Located in the southern part of the metro area, the community has a dense suburban feel. Bellevue has a median household income of $73,534. increasing 4.09% within the last year. The Census Bureau estimates the city's population at 63,015 as of 2022. Most residents are employed in healthcare, education, retail trade and professional services.

Weather and Climate in Bellevue

Like the rest of the Omaha area, Bellevue has a humid continental climate with hot, humid summers and cold, snowy winters. As a result, area drivers often face severe winter weather. While the city only gets an average snowfall of 11 inches per year, temperatures can range from zero to 60 degrees Fahrenheit. High winds can also make winter driving treacherous, especially during thunderstorms or heavy snow.

Commuting in Bellevue

While Omaha's public transit system includes routes to Bellevue, service may be limited on the weekends. Consequently, most of the city's residents drive to work and school. Commuters spend an average of 20.8 minutes on the road during their commutes. With normal driving hazards plus risks like severe winter weather, it's absolutely critical to have car insurance in Bellevue, NE. VIU by HUB offers an easy-to-use platform to shop for coverage that meets your needs.

Your Guide to Bellevue Auto Insurance

Nebraska mandates drivers to have liability auto insurance. State law specifies several minimum coverage limits :

  • Bodily injury and death: $25,000 per person, $50,000 per accident
  • Property damage: $25,000 total
  • Uninsured/underinsured motorist: 25/50/25

Bodily injury and property damage liability coverages apply if you're the at-fault driver in an accident. This coverage pays the other party for the losses you cause.

Uninsured motorist coverage handles claims from accidents in which the at-fault driver has no insurance at all. In contrast, underinsured motorist protection pays for your losses if you're in a collision with an at-fault driver who lacks enough insurance to cover them completely.

Comprehensive and Collision Coverage

Nebraska does not require comprehensive or collision auto insurance. However, these policy components offer invaluable protection against financial losses. Collision coverage pays for damages to your vehicle if you're in an accident with another vehicle or an object, such as a road sign or a building. Comprehensive coverage handles claims involving damage from water, fire, hail, wind, theft, mischief, vandalism, falling objects or collisions with animals.

Costs of Auto Insurance in Bellevue

How much will you pay for car insurance in Bellevue, NE? That depends. Bellevue residents with full coverage fork over around $3,623 per year, well above the typical national average of $2,014 for full coverage.

These figures are merely averages, so remember that your costs may differ. Several factors influence individual auto insurance premiums:

  • Your vehicle's make and model
  • The age, condition and value of your vehicle
  • Your driving record and claims history
  • Your credit history
  • Demographic factors such as age, marital status and gender

Location-based risks also affect car insurance premiums. These can include weather, property crime rates and claims trends in your area.

Find Your Auto Insurance Solution in Bellevue

There is no one-size-fits-all solution when it comes to auto insurance. VIU by HUB is a personal insurance shopping platform where you can find custom-tailored coverage. Obtain fast and free quotes, compare options and purchase car insurance in Bellevue, NE.

This information is intended for general informational purposes only and is not intended to constitute legal advice.



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Auto insurance in Nebraska by city

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