Car Insurance in Grand Island

Because Nebraska is a "fault" state, car insurance in Grand Island is a necessity to protect yourself from liability. 
Compare, shop and customize quotes from top-rated insurance carriers.

Cruise With Confidence When You Protect Your Vehicle With Car Insurance in Grand Island

Grand Island is a picturesque urban center surrounded by an idyllic ocean of farmland. With a population of 53,130 as of the 2020 census, it is the fourth-largest city in Nebraska. 

While Grand Island is a fairly small city, it is still too large for you to be able to walk everywhere you need to go. Therefore, people in Grand Island depend on their vehicles. Even with an average daily commute of about 17 minutes, more vehicles on the road means a greater chance that accidents will occur. 

Nebraska weather can be extreme, with winters that can be especially harsh. Inexperience driving on snow and ice or failure to compensate for conditions can lead to accidents. You may be liable for injuries or damages in an accident even if the cause was the weather. 

Frequently Asked Questions About Car Insurance in Grand Island

Whether you are a new vehicle owner buying car insurance for the first time or an experienced driver looking for a better deal, the experience can be overwhelming. We at VIU by HUB want you to get the best deal possible, so we offer answers to some common questions you may have. 

Why Do You Need Car Insurance?

Every state in the U.S. requires drivers to insure their vehicles, although the type of insurance you need depends on the state. Nebraska is a fault state, meaning that a driver who caused an accident is financially responsible for any injuries or property damage that results from it.

What Types of Coverage Do You Need?

If you drive in Grand Island, or anywhere else in Nebraska, you need to carry liability insurance. This pays for damages that you cause in a motor vehicle collision so that you don't have to pay the other party out of your own pocket. 

To ensure that the coverage is adequate to pay for the most significant damages in an accident, Nebraska requires that you carry the following car insurance minimums: 

  • $25,000 for property damage (including the other party's vehicle and any other personal possessions)
  • $25,000 for the bodily injury or death of one person
  • $50,000 for total bodily injury or death liability

What Is Uninsured Motorist Coverage, and Do You Need It?

Imagine that you sustain an injury in an accident caused by another driver who doesn't have insurance. If you have uninsured motorist coverage, your insurance company will cover the costs associated with the treatment you need to recover from your injuries. Nebraska state law requires you to carry uninsured motorist coverage in addition to your liability coverage.

Is Public Transportation an Option in Grand Island?

There are daily bus services available from Grand Island Metro. Amtrak and Greyhound services are also available for those wishing to get out of town by train or bus. Nevertheless, while multiple public transportation systems are available in Grand Island, only 0.7% of the population takes mass transit to work, while 81% drive their own cars alone. 

Cost of Car Insurance in Grand Island

On average, drivers in Grand Island pay $1,709 for car insurance per year. While lower than the national average, this is more than the average annual premium in Nebraska cities such as Bellevue or Lincoln. 

VIU by HUB makes comparing car insurance rates easy. Using the tool on our website, you answer a few simple questions about yourself and your driving habits. We give you quotes from some top insurers in your area so you can choose the most affordable car insurance in Grand Island. 

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


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