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Nebraska car insurance

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Cutting through car insurance confusion can be intimidating. Understanding state requirements is a great first step to peace of mind for coverage at the lowest price.

All auto insurance policies sold in Nebraska must include liability insurance and uninsured/underinsured motorist insurance. Proof of insurance and registration must be carried at all times. Electronic documents are acceptable via smart devices.

Nebraska drivers must show proof of financial responsibility when registering a vehicle. Insurance is not the only option, but it is the least expensive. Proof of financial responsibility can be established without insurance, with a deposit or surety bond of $75,000.

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Rates last updated February 17th, 2018
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Esurance
Esurance
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
  • CoverageMyWay® helps you make smarter choices
  • Gain peace of mind with 24/7 claims service
  • Manage your policy on the go with Esurance Mobile
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Allstate Auto Insurance
Allstate Auto Insurance
With a range of coverage options at affordable prices, Allstate auto insurance can be personalized to your needs as a driver.
  • Reward System for Safe Drivers
  • Bumper-to-Bumper Basics® Tool
  • Comprehensive Tools to Design a Customized Insurance Plan
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Liberty Mutual Car Insurance
Liberty Mutual Car Insurance
Car insurance through Liberty Mutual will give coverage options for almost any situation.
  • Multi-car discount
  • Bundle discount for combining auto and home policies
  • New vehicle discount
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Minimum driving requirements in Nebraska

Drivers in Nebraska are required to carry liability coverage that includes:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability total per accident.
  • $25,000 property damage liability total per accident.

When shopping for car insurance, you’ll see this written as 25/50/25.

Nebraska is one of the 20 or so states that require its drivers to also carry uninsured/underinsured motorist coverage, which protects a driver against other drivers who aren’t adequately covered by a policy.

To legally drive in Nebraska, you’re required to carry:

  • $25,000 uninsured motorist coverage per person.
  • $50,000 uninsured motorist coverage total per accident.

If you live in Nebraska, you can decline uninsured motorist insurance in writing. While removing this coverage could save you a little month to month, it exposes you to risk if you have an accident with someone carrying no or insufficient coverage.

Do I need additional coverage to protect myself and my assets?

Meeting state requirements is your first task. But you may need coverage beyond the minimum if you’re leasing a car. Or for general peace of mind.

Most car insurance providers in Nebraska offer optional coverage that includes:

  • Collision. Covers damage to your vehicle if you’re in an accident.
  • Medical. Helps cover medical expenses caused by an accident, no matter who’s at fault.
  • Comprehensive. Pays for repairs if your car is damaged by fire, vandalism or something other than an accident.
  • Rental reimbursement. Helps pay for a rental car if you need one after an accident.
  • Emergency roadside assistance. Reimburses you for towing and labor after an accident that damages your car.

What should I do after an accident in Nebraska?

While you can’t completely avoid the chaos that comes after an accident, a clear course of action can help you line up the info to process a potential claim.

1. Safety first. First make sure that drivers and passengers are OK. If anybody requires assistance, call 911.
2. Report the accident. Call your insurance provider to learn what you need to do to start the claims process.
3. Document the scene. To protect your claim, take pictures of the scene and all vehicles involved. Note the names of any police officers that responded, and talk to witnesses.
4. Exchange information. Don’t leave the scene of an accident without the full names, addresses, phone numbers and insurance information for all other drivers. Note the make, model, year, and color of all vehicles involved.

To further protect yourself, avoid admitting fault to other drivers. Suggesting that you caused the accident could result in your provider refusing to pay your claim.

What happens if I don’t have insurance?

Driving without insurance isn’t worth the risk. If you’re pulled over or in an accident while uninsured in Nebraska, you face stiff penalties that include:

  • Fines. Fines start at $50, and reinstatement fees are at least that.
  • Suspension of your driving privileges. You could lose your license and registration on the spot.

Who’s at fault after an accident?

Nebraska is an at-fault state — meaning the person at fault is responsible for all medical expenses of anyone injured in the accident. In the Cornhusker State, insurance claims are typically paid out:

  • If you’re injured in an accident you caused. Your health insurance or medical coverage through an auto policy may cover your expenses up to policy limits.
  • If you’re injured in an accident caused by another driver. That driver’s liability coverage may help cover your medical bills.

How to report an accident in Nebraska

You must report all accidents that result in more than $1,000 in damages or cause death or injury. Failing to report an accident is a misdemeanor and could result in the revocation of your license.

Using the information you gathered from the accident and the other drivers, you’ll need to complete and submit a Driver’s Motor Vehicle Accident Report (Form DR-41).


Uninsured drivers in Nebraska

Nebraska requires its drivers to carry auto insurance that includes coverage for uninsured and underinsured motorists. And you can see it reflected in the state’s rates of uninsured motorists: A mere 6.8% of all Nebraska drivers are without insurance, far below the national average of 12.6%.


Bottom line

To legally drive in Nebraska, you’ll need to carry at least the state’s minimum car insurance coverage. To get the cheapest coverage, carefully research your car insurance options to find a policy that meets your needs and budget.

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