Nebraska Car Insurance Laws (2025)

Nebraska’s population has grown in recent years: At the end of 2024, it was the 17th-fastest-growing state in the country.

If you’re a new resident in the Cornhusker State, you have a limited amount of time to register your vehicle and purchase the required insurance within the state. Otherwise, you risk steep penalties and fines.

Here’s what you need to know about Nebraska auto insurance laws.

Auto insurance requirements in Nebraska

Like most states, Nebraska requires all drivers to have car insurance that meets certain coverage minimums. Your policy must meet the following state minimums for liability insurance:1

• $25,000 in bodily injury liability coverage for one person

• $50,000 in bodily injury liability coverage for two or more people

• $25,000 in property damage liability coverage

In Nebraska, approximately 8% of drivers are uninsured.2 As a result, the state car insurance requirements also include uninsured/underinsured motorist coverage. This insurance reimburses you if you’re in an accident with a driver without insurance or with insufficient coverage.

Nebraska requires the following minimums for uninsured/underinsured motorist coverage:3

• $25,000 in bodily injury liability coverage for one person injured in your vehicle in an accident with an uninsured or underinsured driver

• $50,000 in bodily injury liability coverage for all injuries caused in an accident with an uninsured or underinsured driver

Are Nebraska’s minimum insurance requirements enough coverage?

Nebraska’s minimum coverage requirements are comparable to the requirements of other states. But depending on your situation, you may need additional coverage. If you have a higher-value car, a loan, or a lease, you may need higher liability limits to protect yourself.

Nebraska drivers may benefit from adding the following coverages to their policy.

To adequately protect your car, look into a full-coverage policy, which combines liability insurance with collision and comprehensive insurance.

Penalties for driving without insurance in Nebraska

Nebraska requires all drivers to maintain car insurance that meets state requirements. If you operate a vehicle without coverage, you’re guilty of a Class II misdemeanor and face the following consequences:4

• Suspension of your driver’s license, registration, and license plates

• If convicted of driving without insurance, you’ll have to carry proof of financial responsibility, an SR-22 certificate, for at least three years after the violation.

If you’re new to Nebraska, you have 30 days to register your vehicle and purchase an auto insurance policy that meets the state’s requirements.

Other forms of coverage in Nebraska

Nebraska requires all drivers to have proof of financial responsibility. For most drivers, that requirement is fulfilled by maintaining a car insurance policy that meets the state’s liability coverage minimums. But you have other ways to meet those requirements:5

• Bond: Bonds are issued by surety companies authorized to do business in the state. The bond must be conditioned for the payment of up to $75,000, and it must be filed with the Department of Motor Vehicles.

• Property bond: Another option is a property bond with at least two individual sureties who each own real estate within Nebraska — effectively two people who use their property as a guarantee. Their guarantee is submitted to the court and approved by a judge, and it states that you’ll pay up to $75,000 in damages if you’re in an accident.

• Certificate of deposit: You can meet this requirement if you deposit $75,000 or more in cash or securities (investments) into an account under the custody of the state treasurer.

• Certificate of self-insurance: People who own fleets of vehicles — 26 registered vehicles or more — can apply for a certificate of self-insurance. The application must show you have funds in reserve to cover any damages, and you’ll be issued an official certificate of insurance.

Nebraska insurance laws FAQs