Car Insurance in Kearney, NE

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Get Covered in Kearney

Kearney is a small community in Central Nebraska with a population of 34,277. As the seat of Buffalo County, it's also part of the Kearney micropolitan statistical area, which also includes Kearney County and has a total population of 56,479.

Surrounded by natural scenery, the area is home to several parks and nature centers. With access to shopping, museums, recreational options and the University of Nebraska at Kearney, residents live life to its fullest. While you're enjoying yourself, don't forget to protect your vehicle with car insurance in Kearney, NE.

Kearney Weather and Climate Facts

Kearney has hot humid summers and cold snowy winters. Yearly snowfall averages 11.9 inches. while annual rainfall typically totals 19.9 inches. Nebraska winters can be brutal, with severe storms and temperatures dipping as low as zero degrees Fahrenheit. Driving safely is key, but having auto coverage provides an extra layer of protection.

Commuting in Kearney, NE

The Buffalo County Public Transportation program provides bus service throughout Kearney. While buses are available Monday through Friday, evening and weekend service may be limited. Most residents get around by car, driving an average of 16.8 minutes commuting to work or school. With auto insurance in Kearney being a vital need,VIU by HUB allows you to get fast free quotes and choose your policy from a wide range of insurance carriers.

An Overview of Auto Insurance in Kearney

No two drivers' coverage needs are alike, so knowing what to expect with auto insurance is important. Learning about your state's insurance requirements, pricing and available policy options can help you choose wisely.

Nebraska Auto Insurance Requirements

Nebraska requires drivers to carry liability coverage. which pays for the other party's losses if you're the at-fault driver in an accident. The state also mandates uninsured and underinsured motorist coverage on auto policies. You must meet several minimum coverage requirements to drive legally in the Cornhusker State:

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

Only 9.3% of Nebraska drivers hit the roads without insurance. While that's lower than the national average of 12.6%, it still emphasizes the necessity for uninsured/underinsured motorist protection. The uninsured motorist portion pays for your losses if you're in an accident with an at-fault driver who has no coverage. By comparison, underinsured motorist coverage handles claims if an at-fault driver doesn't have enough insurance to completely pay for your expenses.

Extra Protection With Comprehensive and Collision

Nebraska law doesn't require you to have comprehensive or collision coverage, but your auto lender probably will if you financed your vehicle. Nevertheless, both provide extra indemnity protection above and beyond standard liability coverage. Collision policies pay for damage resulting from accidents with other vehicles and objects. Comprehensive coverage handles everything else that's not accident-related, ranging from hail damage to vandalism.

Costs of Car Insurance in Kearney, NE

Kearney drivers pay an average of $1,547 annually for full coverage auto insurance. That's lower than the state average and the typical national rate of $2,014 per year. Your specific premiums depend on several factors: your vehicle's make, model, year, condition and value, along with your driving record and claims history and demographics such as age and gender.

No matter what your budget or insurance needs are, VIU by HUB simplifies shopping for car insurance in Kearney, NE. Use it to get quotes and see policies from multiple carriers, then choose your preferred coverage options.

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


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