Car Insurance in Papillion, NE
Protect your vehicle with the best car insurance in Papillion.
Papillion may look similar to the French word for butterfly, but locals pronounce the name of their city with a hard letter L in the middle. Early French explorers named the area after butterflies they saw along a creek running through the middle of town. Later, the spelling and pronunciation changed to Papillion.
The population has increased in the past two decades to a modest 23,794 residents. As a suburb of Omaha, this area's growth coincides with the state's growing trend. People move to Papillion for the ability to live within driving distance of 23 parks, including Big Elk Recreation Area and Halleck Park.
Despite the availability of two bus lines, the public Omaha Metro Transit System and the private Big Blue Bus, only 0.1% of Papillion residents ride a bus to work. One reason they drive their own vehicles and buy car insurance in Papillion is that standing at a bus stop in freezing temperatures is not a pleasant way to start the work day.
The Ford-150 is the most popular vehicle in the state of Nebraska, partly because of its ability to maneuver on snow. Papillion receives an average of 27.30 inches of snow each year, so a 4-wheel drive comes in handy as you head east on Cornhusker Road.
The harsh winters make car insurance in Papillion a necessity. Ice can crack windshields and the onslaught of road salt can make the bottom of your car rust. And if you have ever changed a tire in 20-degree weather, then you are probably happy to pay a little extra on your premium for roadside assistance.
If you make the short commute on I-80 into Omaha, then you need insurance to pay for pothole damage to your vehicle. Although the city encourages people to report any potholes they encounter, it has paid for repairs in only 9% of cases since 2020.
The average cost of car insurance in Papillion is $1,121 per year. This rate is slightly lower than the national average of $1,311 but higher than in other Nebraska towns. The following factors based on where you live can influence your premium:
Although only an average of 1 in 1000 people are victims of car theft in Papillion, the town's proximity to the big city of Omaha lowers its safety score.
Nebraska law requires all drivers to carry basic liability insurance to protect other drivers in case of an accident. Depending on your needs, you may choose more coverage that goes beyond this minimum requirement. You can even obtain non-owner insurance if you are in the habit of borrowing cars from friends or family.
Check with VIU by HUB before you waste time calling an insurance company that may not offer car insurance in Papillion. You can see a list of available providers when you type in your address and other basic information. You are then free to research the companies on your own time before talking with an agent.
If you do not live in one of Nebraska's 40,549 millionaire households, you will appreciate being able to compare insurance rates side-by-side before you buy. With VIU by HUB's handy comparison tool, you can keep your monthly premium as low as possible while getting the coverage you need.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
