Your Guide to the Best Rates:
Nebraska Motorcycle Insurance
Welcome to the Cornhusker State! Stay safe and insured while you are enjoying the Nebraska scenery on your motorcycle.
- Nebraska Motorcycle Insurance
- Nebraska Motorcycle Insurance: State Minimum Requirements
- Nebraska Motorcycle Insurance: Laws You Need to Know
- Which Companies Offer Nebraska Motorcycle Insurance?
- Nebraska Motorcycle Insurance: Rating Factors
- Nebraska Motorcycle Insurance: Cost for Liability Only
- Nebraska Motorcycle Insurance: Cost for Full Coverage
- Nebraska Motorcycle Insurance: How to Get a Free Quote
- Nebraska Motorcycle Insurance: How to Get the Best Discounts
- Nebraska Motorcycle Insurance Frequently Asked Questions: Answered
- Other Helpful Nebraska Insurance Guides
Nebraska Motorcycle Insurance: State Minimum Requirements
We understand cheap insurance is a priority, but it’s crucial to understand what your state requires, so at the very least, you are in compliance with the law.
In Nebraska’s case, they require the following coverage, for motorcycle and auto insurance alike:
- $25,000 for bodily injury per person
- $50,000 limit for bodily injury for all persons per each accident
- $25,000 for property damage per accident.
Some states require something called “personal injury protection/PIP” also known as “no-fault insurance.” This will cover expenses such as medical bills, lost wages, and even funeral costs, and pays out regardless of who is found at fault. Nebraska does NOT require PIP.
Nebraska Motorcycle Insurance: Laws You Need to Know
Not only do you need to meet the liability insurance requirements for Nebraska, but you need to understand beyond Nebraska motorcycle insurance…what other laws must you follow?
- Nebraska Safety and Equipment Requirements
- Handlebar height must be at least 15 inches above the fastening point
- Helmets are REQUIRED
- IF carrying a passenger, passenger seat and footrests are required
- Headlights are required
- A muffler is required and in good working order
- You Must Obtain a Motorcycle License/Endorsement. Click the link to find out how to get your license.
- While not required unless you are under the age of 18, it is highly recommended that you complete a motorcycle safety course
Which Companies Offer Nebraska Motorcycle Insurance?
Some of the most widely known auto insurance companies offer motorcycle insurance options in Nebraska such as:
- The General
It’s good to be aware that one of the most impactful rating factors for how affordable, or how expensive your Nebraska motorcycle insurance will be, is the city you live in.
We have made it easier for you and found the most reasonable and low-cost insurance company in your city. See the chart below!
|City in Nebraska||Most Affordable Motorcycle Insurance Co.|
|David City||The General|
|South Sioux City||Farmers|
|Central City||The General|
|La Vista||The General|
Nebraska Motorcycle Insurance: Rating Factors
If you haven’t noticed…this year has proven to be expensive…not just with insurance, but gas, groceries, cars, homes, and computers…it can leave you with sticker shock at times. It’s good to understand why car insurance, and conversely, motorcycle insurance have become so expensive these days.
However, once you understand the rating factors involved, you can make more informed decisions, that can ultimately lead to cheaper motorcycle and auto insurance rates.
Take a look at the biggest rating factors that will affect your Nebraska Motorcycle Insurance:
|Nebraska Motorcycle Insurance Rating Factors|
|Type of bike (engine size)|
Nebraska Motorcycle Insurance: Cost for Liability Only
As mentioned above, you need to at least have liability coverage for your Nebraska motorcycle insurance policy.
Remember, while certain options such as uninsured & underinsured motorist coverage, and medical payments ARE NOT required in Nebraska, it doesn’t hurt to ask your insurance agent what your premium would look like with those things added.
It might not make the biggest difference, and you will be happy to have the extra peace of mind.
But if you really are searching for the cheapest, most “bare bones” insurance coverage for your motorcycle, take a look at what those rates could look like.
|City in Nebraska||Average Annual Cost for Motorcycle Insurance-Liability Only|
Nebraska Motorcycle Insurance: Cost for Full Coverage
If you noticed in the chart above, motorcycle insurance isn’t terribly expensive after all, so why not see what your full coverage options could be?
First, what exactly is full coverage motorcycle insurance?
In a nutshell, or in a cornhusk (hehe…get it?)…Full coverage includes comprehensive and collision.
While not required by the state to drive legally, this will give you added protection in the event that you hit another vehicle or a non-moving structure like a tree or telephone pole.
You also have insurance for damage to your bike from things like fire, flood, or a windstorm.
And maybe…full coverage isn’t optional for you at all…if you are making payments to your motorcycle, your lienholder will require you to have full coverage.
Take a look at the average annual cost for full coverage insurance on your motorcycle in your city in Nebraska:
|City, Nebraska||Average Annual Full Coverage Cost|
|South Sioux City||$189|
Nebraska Motorcycle Insurance: How to Get a Free Quote
Now that you know the basics for your Nebraska Motorcycle Insurance, you need to know the best way to go about getting the most affordable insurance rates.
The first step is easy. Just give us a call! Or text, chat, e-mail…whatever works for you. We always have someone ready and willing to help you.
To know what to expect with the quote process, take a look at this helpful guide (it applies to motorcycle and auto insurance.) But one thing we definitely advise…give yourself at least 10-15 minutes.
We will go as quickly as possible, your time is valuable!
However, we want to make sure you give yourself enough time to explore all of the discount possibilities, take a look at several coverage options, and time to look at different insurance carriers. We want to make sure we find the best possible solution for your needs.
Nebraska Motorcycle Insurance: How to Get the Best Discounts
Speaking of discounts, did you realize how many potential discounts there were for motorcycle insurance seekers?
That’s why we strongly encourage you to speak with one of our agents to make sure you aren’t missing out on some of these discount opportunities:
|Motorcycle Insurance Discounts|
|Motorcycle Rider Group Discount|
|MC Endorsement on License|
|Operator’s Education Course|
|Years of riding experience|
|Vehicle usage & Mileage|
|Multi Lines Discount|
|Garaged or locked storage|
|Operators Safety Course|
|approved safety course|
Nebraska Motorcycle Insurance Frequently Asked Questions: Answered
Last Updated on by Moss Camron