Nebraska Minimum Coverage Car Insurance: Requirements and Costs (November 2024)

Name: Nebraska Minimum Coverage Car Insurance: Requirements and Costs (November 2024)
Item: Nebraska Minimum Coverage Car Insurance: Requirements and Costs (November 2024)
Author: Mark Fitzpatrick

All Nebraska drivers must carry the state minimum coverage liability limits of 25/50/25. The average annual cost for minimum car insurance in Nebraska is $494, or about $41 per month for affordable coverage options.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Rae Osborn

Updated: October 29, 2024

Advertising & Editorial Disclosure

Nebraska requires drivers to carry the state minimum car insurance, which includes bodily injury liability of $25,000 per person, $50,000 per accident and $25,000 property damage liability per accident. Uninsured/Underinsured motorist coverage is also mandatory and has the same limits. Nebraska operates under an at-fault system, which means the driver responsible for the accident is liable for the damages.

Residents looking for the cheapest car insurance in Nebraska can find state minimum coverage at an average monthly cost of $41. This is a cost-effective way for drivers to meet the minimum car insurance requirements and drive legally. Remember that these are average costs, and individual premiums may vary.

TABLE OF CONTENTS

Nebraska Minimum Coverage Requirements
Average Cost of Minimum Coverage Car Insurance in Nebraska
Cheapest Companies in Nebraska for Minimum Coverage
Add-On Coverages in Nebraska
Penalties for Driving Without Insurance in Nebraska
FAQ

Why Trust MoneyGeek? MoneyGeek analyzed data from Quadrant Information Services and the Nebraska Department of Insurance to give you the most accurate cost data for a range of Nebraska drivers.

These rates reflect the cost of minimum coverage car insurance requirements in Nebraska as of November 2024.

20,871Quotes Analyzed

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27ZIP Codes

Nebraska Minimum Coverage Car Insurance Requirements

In Nebraska, drivers must carry the state minimum car insurance coverage to operate a vehicle legally. The required coverage limits include:

$25,000 for bodily injury liability per person
$50,000 for bodily injury liability per accident
$25,000 for property damage liability per accident
$25,000 uninsured motorist bodily injury per person
$50,000 uninsured motorist bodily injury per accident

Since Nebraska is a fault state, the driver who is at fault for an accident is responsible for covering the damages. Being found at fault in an accident could result in higher insurance costs.

DOES NEBRASKA REQUIRE COLLISION AND COMPREHENSIVE COVERAGE?

Nebraska does not mandate that drivers carry collision and comprehensive insurance as part of its state minimum coverage. However, lenders often require both when financing or leasing a vehicle to protect their investment against damages from accidents, theft, natural disasters or vandalism. While not legally required by the state, drivers with a lien on their vehicle should obtain collision and comprehensive coverage.

What Does Minimum Coverage Cover?

What Liability Insurance Covers	What Liability Insurance Doesn't Cover
Injuries to others if you are at fault in an accident	Your injuries
Damage to another person’s property if you are at fault in an accident	Damages to your car
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy	Repairs for weather-related accidents or an animal hit you
	Property damage caused by uninsured/underinsured drivers, unless additional coverage is purchased

This table reflects Nebraska's minimum car insurance inclusions. Your policy's coverage details will depend on its terms and conditions.

Average Cost of Minimum Coverage Car Insurance in Nebraska

Age is a significant factor in determining the cost of minimum car insurance rates and can greatly influence the price of a policy. Drivers between the ages of 22 and 29 face the highest premiums due to their relative inexperience and higher risk of accidents.

The table below shows the average cost of minimum coverage auto insurance in Nebraska by age group.


22-29	$622	$52
30-59	$494	$41
60 +	$494	$41

Cheapest Companies for Minimum Coverage Car Insurance in Nebraska

For Nebraskans seeking affordable minimum coverage insurance, these are the most budget-friendly options:

American National P&C: $197 per year and $16 per month
Farmers Mutual of Nebraska: $307 per year and $26 per month

While the cheapest plan may adhere to Nebraska's state minimum insurance requirements, it's important to consider a policy that aligns with your personal needs and provides adequate protection. Ensure you're making the best choice by exploring the best car insurance in Nebraska.

Data filtered by:Results filtered by:

Age Group:

Age Group:30-59


American National P&C	$197	$16
Farmers Mutual of Nebraska	$307	$26
Progressive	$352	$29
GEICO	$367	$31
Auto-Owners Insurance Co	$400	$33
State Farm	$413	$34
Iowa Farm Bureau	$482	$40
Shelter	$494	$41
IMT Insurance Company	$519	$43
AAA	$632	$53
Allstate	$834	$69
Farmers	$931	$78

Optional Add-On Coverages in Nebraska

In Nebraska, drivers can opt for additional coverages such as comprehensive, collision, uninsured/underinsured motorist, medical payments and towing and labor. While not mandated by law, these options can provide valuable protection against various incidents. Determine how much car insurance you need to know which additional coverages to include in your policy.

Add-On Coverage	What It Covers	What It Doesn't Cover
Uninsured/Underinsured Motorist Coverage	Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance.	Damage to your vehicle if you are at fault or damages that exceed policy limits.
Personal Injury Protection (PIP)	Medical expenses, lost income and funeral costs for you or your passengers, regardless of who's at fault.	Vehicle damage or injuries to the other driver.
Roadside Assistance	Services like towing, flat tire changes and jump-starts when your car breaks down.	Cost of parts or repairs needed after the tow.
Gap Insurance	Pays the difference between your car's current value and what you still owe if it's totaled or stolen.	Vehicle depreciation or overdue loan payments.
Rental Car Reimbursement	The cost of a rental car while your vehicle is being repaired after a covered event.	Fuel, insurance or other rental extras.
Collision Coverage	Repairs to your car after an accident, regardless of fault.	Damage due to theft, vandalism or natural disasters.
Comprehensive Coverage	Repairs to non-collision damages from events like theft, fire or hail.	Damages from a collision or personal injuries.
Towing and Labor Coverage	Towing and basic roadside assistance labor costs at the site of your vehicle's breakdown.	More extensive repairs needed at a garage.
Custom Parts and Equipment Coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems.	Original parts that came with your vehicle.
Accidental Death Coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident.	Non-accidental death or injuries.
Classic Car Insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars.	Regular use like your daily commute.

Penalties for Driving Without Insurance in Nebraska

In Nebraska, the cost of a ticket for driving without insurance varies based on whether it's a first-time or repeat offense. Penalties may be more lenient for first-timers, while repeat offenders can expect harsher consequences. Drivers can face a range of penalties, such as:

Monetary fines: The amount you pay can increase with repeat offenses.
License suspension: Authorities can temporarily revoke your driving privilege, and once eligible, you must pay a fee for reinstatement.
Vehicle registration suspension: When your vehicle registration is suspended, you cannot drive the car legally.
Requirement to file an SR-22: An SR-22 is a certification of financial responsibility, that you need to file for a specified period.
Potential jail time: If you are involved in an accident without insurance, you can face jail time.

It's important to obey the laws on car insurance. Driving with at least state minimum coverage in Nebraska keeps you compliant with the law and protects you financially in case of an accident. Remember, staying insured is a legal requirement and a responsible choice for every driver.

What to Do if Your Policy Is Canceled

After a car insurance policy is canceled, drivers in Nebraska should immediately seek a new policy to avoid the legal issues of driving uninsured. You can renegotiate with your insurance agent or find another provider. The Nebraska Department of Motor Vehicles (DMV) will be notified of any lapse in coverage, potentially leading to fines or license suspension.

If traditional insurance companies deny coverage, Nebraska drivers can explore the Nebraska Automobile Insurance Plan for high-risk drivers. It ensures that all drivers have access to the state minimum coverage.

Remember, it's important to maintain at least the minimum coverage required in Nebraska and avoid driving without insurance to stay on the right side of the law.

WHY WAS MY POLICY CANCELED?

Your car insurance policy in Nebraska may have been canceled for a few reasons:

Non-Payment of Premiums: The insurance company may cancel your policy if you don't pay your insurance on time.
License Suspension: If your driver's license gets suspended, you can lose your insurance.
Fraud or Misrepresentation: Lying on your insurance application or when filing a claim can lead to cancellation.
Too Many Accidents or Violations: If you're in a lot of accidents or have many traffic tickets, your insurer might cancel your policy.

FAQ: Nebraska Minimum Coverage Car Insurance

To help you comply with local laws, we provide clear information about Nebraska's state minimum car insurance requirements. Here, you'll find answers to common questions about the coverage you need to drive legally in the Cornhusker State.

What is the minimum car insurance coverage in Nebraska?

In Nebraska, the minimum coverage auto insurance includes bodily injury liability of $25,000 per person and $50,000 per accident, along with property damage liability of $25,000 per accident. Uninsured/underinsured motorist coverage is also mandatory, with a minimum of $25,000 per person and $50,000 per accident. This basic coverage ensures that you are financially protected if you're responsible for causing an accident or involved in a collision with an uninsured driver.

Why does Nebraska require minimum automobile liability coverage for motorists?

Nebraska mandates minimum coverage auto insurance to ensure that all drivers can bear the financial responsibility if they cause an accident. This protects the person at fault and any other involved parties from the potentially high costs of property damage and medical expenses. By having this requirement, the state helps maintain a degree of protection for everyone on the road.

Do you need comprehensive insurance in Nebraska?

Nebraska law doesn't require comprehensive insurance. However, if you have a loan or lease on your vehicle, your lender may mandate it. Comprehensive insurance protects against non-collision-related damage, such as theft, vandalism or natural disasters. Adding comprehensive insurance is worth considering to safeguard against a broader range of potential losses.

What happens if you drive uninsured in Nebraska?

Driving uninsured in Nebraska is illegal and can lead to severe penalties. If caught, you could face fines starting at $50 for a first offense, with the potential for license and registration suspension. Proof of insurance and a reinstatement fee are required to reinstate them. Repeat offenses result in higher fines and longer suspension periods. You could also be subject to a court judgment against you or be liable for all damages. Securing minimum coverage protects you from these risks and ensures compliance with state laws.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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