Nebraska Car Insurance Info

Fast, Free Auto Insurance Quotes

Bellevue Car Insurance | Fremont Car InsuranceGrand Island Car Insurance | Hastings Car Insurance | Kearney Car InsuranceLincoln Car Insurance | Norfolk Car Insurance | North Platte Car InsuranceOmaha Car Insurance | Papillion Car Insurance

nebraska leaderboard
Rank Name Score
1 maddog2283 99.7
500+ miles
2 Southpaw316 99.4
1000+ miles
3 chr 99.1
650+ miles
4 Nascar 1 97.8
250+ miles
5 joejen 97.4
1350+ miles
6 andersonbroc 95.9
1350+ miles
7 ms.moose 95.8
450+ miles
8 tras 95.2
350+ miles
9 gwenb 94.8
550+ miles
10 dmnelson76 92.7
1000+ miles
11 jon.ramos06 92.4
1850+ miles
12 achambers1954 91.9
400+ miles
13 cliff 91.5
800+ miles
14 sarareffett 91.5
700+ miles
15 heb.13.3 90.3
600+ miles
16 meisinger_r 89.5
750+ miles
17 gabejknisley 88.6
400+ miles
18 ebseadio 85.2
750+ miles
19 nickshum 84.1
500+ miles
20 kjrose1968 83.6
1150+ miles

General Nebraska Insurance Guidelines

Nebraska currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle.

Minimum Liability Coverage in Nebraska

Nebraska's minimum liability amounts are as follows:

  • $25,000 bodily injury per person
  • $50,000 total bodily injury per accident
  • $25,000 total property damage per accident

These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.

Penalties for Driving Without Insurance

The penalties for driving without insurance in Nebraska are:

  • Immediate license suspension

Uninsured/Underinsured Motorist Coverage

Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Nebraska does not require UM/UIM coverage.

No-Fault Insurance

Some states have “No-Fault” laws where a policyholder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Nebraska is not a “No-Fault” state.

Personal Injury Protection (PIP)

Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Nebraska does not require drivers to purchase PIP insurance.

SR-22 Requirements for Nebraska

An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Nebraska requires an SR-22 filing for driver’s license reinstatement.

Nebraska DUI Laws

It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver's licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Nebraska are:

  • Minimum 7 days to 60 days imprisonment
  • Up to $500 fine
  • Up to 6-month license suspension
  • 1-year license suspension if BAC is equal to or greater than 0.15% 
  • Possible alcohol treatment and assessment

Additional Information on Insurance for Nebraska

For more information, please contact Nebraska Department of Insurance: 1-877-564-7323 or visit their website at

Be the best driver in Nebraska: Download EverDrive for your iOS or Android phone and start competing with your neighbors and friends!

Beatrice Car Insurance | Columbus Car Insurance | La Vista Car Insurance | Lexington Car Insurance | Scottsbluff Car Insurance | South Sioux City Car Insurance