Nebraska requires the following insurance coverage or financial responsibility at a minimum:

25/50/25– This is shorthand for the liability policy limits required which means you need a minimum coverage of:

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $25,000 for property damage to others

Drivers must also obtain uninsured/underinsured coverage of 25/50$25,000 per person and $50,000 per accident.

Flag of Nebraska
Guide to Car Insurance in Nebraska

Nearly all car insurance policies have a provision that will adjust your coverage from the minimums required in your state to the minimum insurance or proof of financial responsibility in another U.S. state. So you do not need to get a new insurance policy for each state you are driving through. However, if you buy a policy in a low limits state (like Montana or Nebraska) but live in a high limits state (such as Alaska), insurers will only write a policy where your car is principally garaged. So if your home is in Alaska, you should buy the minimum limits for Alaska.

As in virtually all states, Nebraska’s required insurance limits are very low, compared to the real cost of repair and damages likely to expect from an accident. If you are in a serious collision and the damages you caused are greater than the coverage limits you purchased, you may be personally liable to pay for those damages that exceed your insurance coverage. Buying additional coverage is relatively cheap but offers considerable more protection.

Auto Insurance Laws and Requirements in Nebraska

Nebraska is a modified comparative fault state with a 50% rule. This is a legal defense that means that a plaintiff can recover for an injury, reducing the amount that the plaintiff can recover based on the percentage of which the plaintiff is at fault if it is determined that his or her fault in causing the injury is less than 50%. If the plaintiff’s fault level reaches 50% or more, he or she cannot recover any damages resulting from the accident. If the damage caused is less than 50%, the claimant can only recover their damages as reduced by their percentage of fault.

Driving Under the Influence (DUI)

In Nebraska, a first time offense of Driving Under the Influence (DUI) is a misdemeanor offense. If you are 21 years or older, if you have a Blood Alcohol Content (BAC) level of .08% or higher while driving, Nebraska law presumes you are driving while intoxicated. If you are under 21, a lower BAC may apply to you.

1st DUI

If convicted, you may be sentenced from 7 days to up to 60 days in jail. A court fine of $500 may be imposed. You will also be responsible for other court fees. Your license will be suspended or restricted for 6 months or up to 1 year. You may be required to install an ignition interlock device. You may also be required to take attend an alcohol assessment or treatment. SR-22 or FR-44 forms will be required for a 1st DUI.

2nd DUI

If convicted, you may be sentenced from 30 days up to a maximum of 1 year in jail, depending whether other enhancement factors are present. Fines may be imposed from $500 up to $1000. Your license may be suspended for at least 1 year up to 15 years. Your vehicle may be immobilized for 5 days up to 8 months. If you are eligible for a restricted driver’s license, you may be required to install an ignition interlock device. You may also be required to take attend an alcohol assessment or treatment. SR-22 or FR-44 forms will be required for a 2nd DUI.

Nebraska Auto Insurance Resources


NAIC 2010 Market Share Information (List does not contain duplicates of associated or affiliated insurance companies.)

Other useful links

Top Ten Car Insurance Companies in Nebraska

These are the top twelve insurance companies or insurance groups, holding 73% of the market share in the state:

  1. Allstate Fire & Casualty Ins.
  2. American Family Mutual Ins. Co.
  3. Farm Bureau Mutual Ins. Co.
  4. Farmers Ins. Exchange
  5. Farmers Mutual Ins. Co. of Nebraska
  6. Motor Club Insurance Association
  7. Nationwide Agribusiness Ins. Co.
  8. Progressive Insurance Group
  9. Shelter Mutual Insurance Co.
  10. State Farm Insurance Group
  11. Geico
  12. United Services Automobile Association