Nebraska Auto Insurance

Last updated : June 2024
Published By : Direct Auto

Whether you’re driving to work in Omaha or enjoying a windows-down drive on an open stretch of road, affordable auto insurance coverage can help protect you, your loved ones, and your vehicle on every adventure. So, take a few minutes to learn about cheap car insurance in Nebraska. Find out which coverages are mandatory, which ones are optional, and how a Direct Auto Insurance policy could be your cheap Nebraska car insurance solution. Get a free quote to see how much money you can save.

Nebraska Car Insurance Laws

Do you have to have car insurance in Nebraska?

Nebraska law requires drivers to have proof of financial responsibility which is most commonly satisfied with a car insurance policy. Nebraska auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Nebraska are 25/50/25, as shown below under Nebraska Minimum Car Insurance Requirements.

Nebraska Minimum Car Insurance Requirements

Wondering what your insurance policy needs to meet Nebraska’s legal requirements? Here’s a quick breakdown by coverage type.

Coverages

Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $25,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Yes. UM and UIM bodily injury coverage must be provided at state minimum limits of $25,000 bodily injury per person/$50,000 bodily injury per accident.

Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Not required.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

IMPORTANT NOTE: While purchasing liability coverage and other state mandated coverage ensures you satisfy Nebraska’s laws, it doesn’t protect you or your vehicle in every circumstance. You would need to add additional coverage, like comprehensive and collision, to better protect yourself and your vehicle.

1Your lender may require these coverages if you lease or finance your vehicle.

Are there additional coverage options?

For added peace of mind, there may be add-on services and other insurance products available to Nebraska drivers:

Nebraska Proof of Financial Responsibility and Penalties

What if I don't meet Nebraska’s minimum car insurance requirements?

Nebraska takes a serious stance against driving uninsured. If you’re found guilty of a citation for no proof of insurance, your driving privileges will be suspended. You’ll also be forced to fulfill SR-22 requirements for three years and pay a fee to have your driving privileges reinstated.

Penalties for Driving with a Suspended License in Nebraska

Driving without a valid license can lead to harsh penalties in Nebraska. In fact, driving while revoked, suspended, or unlicensed can lead to steep fines, potential jail time, and an increased license suspension/revocation period.

SR-22 Insurance in Nebraska

Some states require high-risk drivers to keep an SR-22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. You might be required to keep one on file in Nebraska if:

If you have any questions about SR-22 filings, we’d be happy to help. Our agents specialize in helping people find affordable car insurance coverage, regardless of their history.

High-Risk Auto Insurance in Nebraska

Many individuals do not have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. While some companies try to steer clear of these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.

We believe your driving history shouldn't define you forever, and we work hard to find quality, affordable coverage for every driver, regardless of their past.

Where can I find the cheapest car insurance rates in Nebraska?

Car insurance costs vary depending on a number of factors, including:

  • The amount & type of coverage you choose
  • The year, make, and model of the vehicle you drive
  • How much you drive, where you drive, and where you live
  • Your demographics
  • Your driving record
  • Your credit history

Other Nebraska Auto Insurance Resources

Find Cheap Car Insurance in Nebraska with Direct Auto!

Looking for affordable auto coverage in Nebraska? Get a free car insurance quote that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible.

*Emergency Protection Plans (EPP) and Roadside Assistance are not insurance and are administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.

**The “Direct Auto Insurance” brand is used by insurers in the National General Group, Winston-Salem, NC to describe their direct-to-consumer auto insurance programs. Direct Auto Insurance branded policies are produced by Direct General Insurance Agency, Inc. dba “Direct Auto Insurance” and by National General Insurance Marketing Inc.

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