Nebraska requires 25/50/25 liability limits, $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage, but that's only half the mandate. Unlike most at-fault states, Nebraska also makes uninsured and underinsured motorist coverage compulsory: every auto policy issued in the state must include UM/UIM bodily injury coverage of at least $25,000 per person and $50,000 per accident under Neb. Rev. Stat. §44-6408.
The practical effect is that a minimum Nebraska policy protects you in both directions, your liability coverage pays people you injure, and your UM/UIM coverage pays you when the at-fault driver carries nothing or too little. Nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council), which is precisely the exposure Nebraska legislated against.
The figures below explain the policy structure used in Nebraska. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Nebraska minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $25,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $50,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $25,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- Not required (at-fault state)
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Additional state rule
- Required amount or rule
- Uninsured/underinsured motorist bodily injury coverage of $25,000 per person / $50,000 per accident is mandatory (Neb. Rev. Stat. §44-6408)
- What it generally addresses
- Review the selection or rejection shown on the quote
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $25,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $50,000 | Total covered injuries in one accident |
| Property damage liability | $25,000 | Covered damage you cause to other property |
| PIP or medical coverage | Not required (at-fault state) | Medical coverage rules vary by policy |
| Additional state rule | Uninsured/underinsured motorist bodily injury coverage of $25,000 per person / $50,000 per accident is mandatory (Neb. Rev. Stat. §44-6408) | Review the selection or rejection shown on the quote |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Nebraska
State law is only the starting point. These Nebraska-specific details show what to confirm before you compare coverage or buy a policy.
How Nebraska's mandatory UM/UIM coverage works
Uninsured motorist coverage pays for your injuries when the at-fault driver has no insurance; underinsured motorist coverage tops you up when their limits are too low for your medical bills. In Nebraska both are baked into every policy at 25/50 minimums, there's no rejection form for the coverage itself, only choices about limits.
On written request, insurers must offer higher UM/UIM limits under their rating plans, up to $100,000 per person and $300,000 per accident. Since carriers price UM/UIM very differently, this is one of the line items where comparing quotes side by side shows real spread even at identical limits.
SR-22s and license reinstatement in Nebraska
Nebraska does use SR-22 filings. After a court-ordered revocation, point revocation, or a no-proof-of-insurance suspension, the Nebraska DMV requires proof of financial responsibility to stay on file for three years, normally an SR-22 certificate filed by your insurer, plus a reinstatement fee.
Not every carrier files SR-22s, and among those that do, the premium attached to the underlying violation varies widely. Drivers coming off a revocation typically benefit more from shopping multiple carriers than almost any other group.
What Nebraska drivers pay
Average annual expenditure for auto insurance in Nebraska was $872 in 2022, per the NAIC, noticeably below the $1,127 countrywide average that year, even with the state's extra UM/UIM mandate. Hail claims and rural-versus-Omaha rating territories still move individual quotes around a lot, so the average is a reference point, not a prediction. Comparing quotes at your actual address and limits is what turns it into a real number.
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Start a Nebraska quote requestWhat affects car insurance rates in Nebraska?
Average annual expenditure for auto insurance in Nebraska was $872 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement. It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Nebraska ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Nebraska car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Nebraska. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Nebraska city
State law applies across Nebraska, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Nebraska page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is Neb. Rev. Stat. §60-346, §44-6408; Nebraska Department of Insurance. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Nebraska Department of Insurance — Auto coverage ↗Official state consumer guidance on Nebraska auto insurance and required coverage.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
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