Nebraska Car Insurance Requirements

Minimum Coverage Requirements

Nebraska requires drivers to carry minimum liability insurance of 25/50/25 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage.

Average Car Insurance Costs in Nebraska

Drivers in Nebraska typically pay approximately $1,290 per year ($108/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Nebraska

State Regulations and Key Rules

Nebraska is an at-fault state with a low uninsured driver rate. Uninsured and underinsured motorist coverage must be offered but is not required. Nebraska uses a modified comparative fault rule (51% bar).

What Makes Nebraska Unique

Nebraska's agricultural landscape means deer collisions are a significant source of comprehensive claims, particularly during autumn months. Hail damage is also common in spring and summer.

Uninsured Drivers in Nebraska

Approximately 6.8% of drivers in Nebraska are estimated to be uninsured. This is among the lower uninsured rates in the country, though carrying uninsured motorist coverage remains a sound financial decision.

Risk Factors Specific to Nebraska

Nebraska experiences significant hailstorm activity, particularly in the eastern half of the state. Deer collisions peak in October and November statewide. Blizzard conditions in winter can create dangerous highway conditions, particularly in the Panhandle.

What Nebraska’s Minimum Actually Covers

Nebraska’s minimum is 25/50/25: $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Nebraska

Nebraska also requires UM/UIM coverage, which pays when the at-fault driver has no insurance or too little.

How Nebraska Compares: Uninsured Drivers and Price

An estimated 6.8% of Nebraska drivers are uninsured — roughly 1 in 15 — one of the lowest uninsured rates in the country.

Our average premium estimate of $1,290 a year puts Nebraska below the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Nebraska

Omaha rates are above the state average due to urban congestion and theft — suburban drivers save by confirming accurate addresses. Nebraska's hail risk makes comprehensive coverage advisable even though rates are moderate. Annual payment discounts are widely available.

• Nebraska's minimum liability requirement of 25/50/25 is the legal floor, not a safe target — since PIP isn't required in Nebraska, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 6.8% of Nebraska drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Nebraska?

25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability.

Is Nebraska a no-fault state?

No. Nebraska is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

Is uninsured motorist coverage required in Nebraska?

Yes. Nebraska requires UM/UIM coverage.

How many drivers are uninsured in Nebraska?

An estimated 6.8% of Nebraska drivers are uninsured, roughly 1 in 15.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.