Nebraska Car Insurance Requirements

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Minimum car insurance in Nebraska

Nebraska requires liability insurance and uninsured/underinsured motorist coverage. Many people buy more than what's required in case they cause a lot of damage or injuries. Other insurance types are optional in Nebraska. Here's how it all breaks down:

Minimum liability insurance in Nebraska:

Liability insurance pays for damage and injuries to others if you cause a car accident. Nebraska car owners must buy liability limits of at least:

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

This is often written as 25/50/25.

Minimum uninsured/underinsured motorist (UM/UIM) coverage:

  • Nebraska requires both uninsured motorist and underinsured motorist coverage. These pay for your car crash medical bills if you're hit by someone with little or no auto liability insurance. You must buy UM coverage of at least $25,000 per person/$50,000 per accident (25/50). You also must buy UIM in an amount that matches your bodily injury liability limits.

Optional insurance types

Comprehensive coverage
For theft of your vehicle or damage from hitting an animal, hail, flood, fire, vandalism, falling objects and explosions.

Collision coverage
For damage to your vehicle caused by hitting another car or an object, like a sign post or fence.

You are likely already required to buy comprehensive and collision insurance if you have a car loan or car lease. 

Rental reimbursement
Pays for a rental car while your vehicle is being repaired due to a car accident. It is not the same as "rental car insurance," which you buy to rent a car on vacation, for example.

Medical payments (MedPay)
Pays medical bills for you and your passengers no matter who was at fault.

You must show an insurance ID card (or other proof of financial responsibility) in Nebraska when:

  • Law enforcement requests it.
  • You renew vehicle registration.

Penalties for not having car insurance in Nebraska

  • Registering a motor vehicle without insurance is a Class IV misdemeanor (punishable by a fine of $100 to $500).
  • Operating a motor vehicle without insurance is a Class II misdemeanor (punishable by a fine up to $1,000, six months imprisonment, or both).
  • Forging a policy is a Class I misdemeanor (punishable by a fine up to $1,000, one year imprisonment, or both).

Source: Property Casualty Insurers Association of America

Complaints against auto insurance companies

Each state's department of insurance handles and tracks complaints against car insurance companies that operate in the state. A national "complaint ratio" shows the number of complaints against a company relative to its size of business. Here are the complaint ratios for the largest car insurance companies in Nebraska.

Nebraska auto insurance company complaints comparison

Updated Aug. 13, 2018

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