Nebraska Car Insurance Requirements in 2026

Nebraska car insurance requirements at a glance

Coverage	Minimum Requirement in Nebraska
Bodily injury liability	$25,000 per person/$50,000 per accident
Property damage liability	$25,000 per accident
Uninsured/underinsured motorist	$25,000 per person/$25,000 per accident

Nebraska car insurance requirements explained

Nebraska’s minimum coverage requirement, commonly expressed as 25/50/25, is the most common minimum liability limit among U.S. states.^[1] Nebraska is a tort state, meaning the driver who causes a crash is also financially responsible for injuries and property damage.

Nebraska car insurance requirements don’t include no-fault medical benefits. But drivers must carry uninsured/underinsured motorist insurance, which is also a requirement in nearly half of all states.

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Nebraska bodily injury liability insurance requirements

Nebraska law requires auto insurance policies to have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage, a moderate requirement compared to other states. Bodily injury coverage pays for medical bills, lost wages, and related costs when you cause an accident that injures another driver or their passengers.^[2]

Nebraska uses a modified comparative negligence rule. That means if you’re 50% or more at-fault in a car accident, the other party can sue you for damages, but their share of fault will reduce the amount of their award. Your bodily injury liability covers injury-related costs up to the limits of your policy when you’re at fault.

Nebraska property damage liability insurance requirements

Nebraska law requires drivers to carry $25,000 in property damage liability coverage, a common minimum coverage requirement for many states. This pays to repair or replace another person’s vehicle or property when you cause an accident. For example, if you damage another driver’s vehicle or crash into their fence, property damage insurance covers the repairs.

Nebraska uninsured/underinsured motorist (UM/UIM) insurance requirements

Nebraska requires drivers to have at least $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage. About half of states require UM/UIM coverage that matches bodily injury liability limits. It covers medical expenses and other costs related to injuries for you and your passengers if a driver with insufficient insurance coverage or no insurance at all hits you.

For example, if an uninsured driver causes an accident that results in death or injury for you or someone in your car, you can file a claim against your own insurance policy to cover medical care or funeral expenses. UM/UIM coverage in Nebraska doesn’t pay for property damage.

Are Nebraska’s car insurance requirements sufficient for most drivers?

Nebraska’s minimum liability limits likely aren’t sufficient for most drivers. In fact, the Nebraska Department of Insurance warns that state-minimum coverage requirements may not be enough to cover the damage if a car accident results in a total loss.

For example, the average new-car price was more than $50,000 in August 2026 — twice the minimum property damage limit. Any damage you cause that exceeds your policy limit becomes your financial responsibility.

Most insurance industry experts recommend buying enough liability coverage to protect your assets. You can typically raise your coverage limits for a minimal increase in your insurance premium. The table below shows common recommendations for coverage limits in Nebraska.

Coverage	Recommended Limit
Bodily injury liability	$100,000 per person/$300,000 per accident
Property damage liability	$100,000 per accident
Uninsured/underinsured motorist	$100,000 per person/$300,000 per accident

Agent Tip: Consider a full-coverage policy for better financial security

“If you’re considering a liability-only policy to get a lower premium, it’s still worth the investment to buy higher limits than your state’s minimum. Nebraska’s limits, like many other states, probably don’t provide enough coverage for most people.”

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Austin MoyersLicensed P&C Insurance Agent and Sales Manager

Austin Moyers' bio

Other car insurance requirements to be aware of in Nebraska

A minimum-coverage policy will allow you to drive legally in Nebraska, but other factors will influence what additional coverages you need.

• Full-coverage insurance: If you have an auto loan or lease, your lender may require comprehensive and collision coverage, which pay for theft or damage to your own vehicle after a crash or non-collision event like severe weather.^[3]

• Other vehicle insurance: Your auto policy won’t cover other types of vehicles you might own. Nebraska requires you to have a separate insurance policy if you operate a motorcycle, ATV, RV, or off-road or commercial vehicle.

• SR-22 insurance: About 1.2% of Nebraska drivers have DUI convictions, according to Insurify data. If you accumulate points on your record or have a suspended license due to a court conviction, the Nebraska Department of Motor Vehicles may require an insurer to file an SR-22 certificate on your behalf. This proves you have a car insurance policy that meets state requirements. If you don’t own a vehicle, you’ll need non-owner SR-22 insurance.^[4]

How Nebraska’s car insurance requirements influence rates

The average cost of car insurance in Nebraska is $135 per month for full coverage and $70 for liability-only coverage, per Insurify data. 

Nebraska’s minimum car insurance requirements are moderate relative to other states, and this helps keep the state’s car insurance rates relatively affordable compared to national averages.

Nebraska also has a moderate motor vehicle theft rate, according to Insurify data, and a moderate traffic fatality rate relative to other states. Nebraska ranks 10th for states with the lowest rates of uninsured drivers, according to Insurance Research Council data.

Cheapest state-minimum required car insurance in Nebraska

The below rates in Nebraska are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$41
Progressive	$50
American Family	$57
National General	$57
USAA	$63
GEICO	$66
State Farm	$71
The General	$72
Safeco	$74
AssuranceAmerica	$75
Root	$79
Bristol West	$91
Liberty Mutual	$95
Dairyland	$104
Farmers	$118
Shelter	$121

Disclaimer: Table data sourced from real-time Nebraska car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Nebraska may vary based on the policy buyer's unique driver profile.

Nebraska Automobile Insurance Plan

Like many other states, Nebraska has an assigned-risk auto insurance plan for hard-to-insure drivers. Every insurance company that sells car insurance in the state must participate in the plan.

If you’ve tried to get insurance for 60 consecutive days but couldn’t find anything cheaper than Nebraska Automobile Insurance Plan rates, you may be able to apply for coverage through the plan. Keep in mind that premiums are usually higher for insurance through an assigned-risk plan.

Penalties for driving without insurance in Nebraska

Driving without insurance coverage or alternative proof of financial responsibility in Nebraska is illegal and results in the following penalties and fees:^[5]

• License suspension: If you receive a citation for driving without proof of insurance that results in a conviction, the Nebraska Department of Motor Vehicles will automatically suspend your driver’s license.

• SR-22 certificate: If your license is suspended, you’ll need to file proof of financial responsibility to reinstate it. Typically, a Nebraska car insurance company files an SR-22 form with the DMV and maintains the certificate for three years. Nebraska drivers with an SR-22 also pay higher car insurance premiums on average, according to Insurify data.

• Reinstatement fee: Reinstating your driver’s license after a conviction for driving uninsured also requires you to pay a $50 reinstatement fee.

If you can’t show proof of auto insurance when a law enforcement officer pulls you over, but you had an active car insurance policy at the time of the citation, you can submit a letter of verification from your insurance company. Upon review, the DMV may remove the suspension from your record.

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Other car insurance coverages worth considering in Nebraska

State-minimum liability insurance won’t protect you against every risk in the Cornhusker State. Consider adding these optional coverages:

• Collision coverage: Collision insurance pays for damage to your vehicle if you cause a crash or hit a pothole. About 5.4% of Nebraska drivers have accidents on their records, Insurify data shows.

• Comprehensive coverage: Comprehensive insurance pays for theft and damage from non-collision causes, like vandalism, severe weather, and hitting animals. Nebraska ranks No. 4 in the nation for the number of major hail events, according to the Insurance Information Institute. Comprehensive insurance covers hail damage, and some insurers will pay to repair your windshield with no deductible.

• Medical payments coverage: MedPay covers injuries when you and your passengers are hurt in an accident. This coverage helps you afford care immediately without waiting for insurers to determine fault.

• Roadside assistance coverage: Roadside assistance or towing coverage pays to transport your car to an auto repair shop when it breaks down on the road. It may also cover a minor repair or tire change at the breakdown site. This is helpful when driving on remote or rural roads, such as Nebraska’s many scenic byways.

Nebraska car insurance requirements FAQs