Nebraska Auto Insurance: Minimum Coverage & Rates
Nebraska requires 25/50/25 liability coverage and is an at-fault state.
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Nebraska at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Nebraska operates as a tort-based liability state, meaning the at-fault driver's insurance pays for damages in an accident. All drivers must carry proof of financial responsibility — typically satisfied through liability insurance — or face license suspension. The Nebraska Department of Motor Vehicles enforces these requirements through an electronic insurance verification system that flags uninsured vehicles in real time.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
$32–$67/mo
Typical monthly rate in Nebraska, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The foundation of Nebraska's legal requirement — pays others' expenses when you cause an accident. Minimum 25/50/25 limits expose you to personal financial liability in any serious crash, but upgrading to 50/100/50 costs only $15–$25 more per month and substantially reduces lawsuit risk.
Uninsured Motorist Coverage
Covers your medical bills and lost income when an at-fault driver has no insurance or flees the scene. You can reject this coverage in writing, but approximately 9% of Nebraska drivers operate uninsured — meaning roughly 1 in 11 vehicles you encounter lacks coverage to pay your expenses.
Comprehensive Coverage
Pays to repair or replace your vehicle after hail, theft, vandalism, flood, or animal strikes — any damage not caused by a collision. This coverage makes sense only if your vehicle's value exceeds $5,000 and you cannot afford to replace it out of pocket.
Collision Coverage
Covers your vehicle repair or replacement costs when you hit another car, object, or roll over — regardless of fault. With a $500–$1,000 deductible, this coverage costs $40–$80/month and only benefits drivers whose vehicles retain significant market value.
Full Coverage
Combines liability, comprehensive, and collision into a complete protection package. The total cost of $130–$180/month makes financial sense only when your vehicle's value exceeds $8,000–$10,000 — below that threshold, paying cash for repairs or replacement is typically cheaper than years of premiums.
SR-22 Insurance
Not a separate coverage type but a state-mandated certificate proving you carry continuous insurance after a DUI, reckless driving conviction, or license suspension. The SR-22 filing itself costs $15–$25, but the underlying rate increase from the violation adds $60–$110/month to your premium for three years.