Nebraska Auto Insurance Guide
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From Scottsbluff to Kearney, Fremont to Grand Island, Omaha to North Platte, Nebraska has thousands of miles of roadways. They’ll take you the across the Great Plains, along the banks of the Missouri and into downtown Lincoln . They’re used by over 1.3 million licensed drivers, who each put in an average of 10,300 miles a year. Along the way, those drivers are involved in thousands of traffic accidents every year, including many that result in serious injury or death. Wherever you live and drive in the Cornhusker State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Nebraska’s basic vehicle insurance requirements and laws.
Nebraska state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines and jail time. Under Nebraska’s tort system, you may also be liable for actual damages (expenses associated with property damage and medical costs), economic damages (lost wages and earning capacity) and emotional and physical pain and suffering.
The bare minimum car insurance requirement for Nebraska drivers is:
Nebraska does not require you to carry additional coverage such as personal liability insurance or Collision and Comprehensive. However, If you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
You are required by law to carry proof of Nebraska car insurance in your car and show it if a law enforcement officer asks to see it. Failure to do so can result in severe penalties. A first offense carries fines of up to $500. Repeat offenders can be fined up to $7,500. Your license and registration will be immediately suspended until you can show proof of insurance.
Vehicle insurance premiums are regulated by the Nebraska Department of Insurance. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
Nebraska also allows insurers to consider your credit history to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Nebraska. The following laws have recently been enacted in Nebraska and may affect your insurance coverage decisions.
Nebraska Department of Insurance
Nebraska Department of Motor Vehicles
Insurance Information Institute
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