Nebraska Car Insurance Guide
Whether you’re driving to work in Omaha or enjoying a windows-down drive on an open stretch of road, affordable auto insurance coverage can help protect you, your loved ones, and your vehicle on every adventure. Take a few minutes to learn about cheap car insurance in Nebraska, including which coverages are mandatory and which are optional. EagleWay Auto Insurance can help you find a plan that fits your needs. Get a free quote to see how much you can save.
Do You Have to Have Car Insurance in Nebraska?
Nebraska law requires drivers to have proof of financial responsibility, most commonly satisfied with a car insurance policy. Nebraska auto insurance policies must at least meet the state’s minimum liability coverage limits. For example, the liability limits in Nebraska are 25/50/25.
Nebraska Minimum Car Insurance Requirements
| Coverage Type | Required by Law | Limits |
|---|---|---|
| Bodily Injury Liability – Pays for medical expenses and legal services if you injure someone in an accident. | Yes | $25,000 per person / $50,000 per accident |
| Property Damage Liability – Pays for damage to other people’s property. | Yes | $25,000 per accident |
| Uninsured/Underinsured Motorist (UM/UIM) – Pays for medical bills if the other driver has insufficient coverage. | Yes | $25,000 per person / $50,000 per accident |
| Medical Payments (Med Pay) – Pays for your medical expenses regardless of fault. | Not required | – |
| Collision – Pays to repair or replace your vehicle after a collision. | Not required¹ | – |
| Comprehensive – Pays for non-collision damage like fire, flood, vandalism, or animals. | Not required¹ | – |
¹May be required by your lender if you lease or finance your vehicle.
Important: While state-mandated coverage ensures compliance, additional coverages like collision, comprehensive, and UM/UIM are recommended for full protection.
Additional Coverage Options
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Proof of Financial Responsibility and Penalties
Nebraska takes driving without insurance seriously. If you are found guilty of no proof of insurance, your driving privileges will be suspended, you may be required to maintain SR-22 coverage for three years, and you will need to pay a fee to reinstate your license.
Penalties for Driving with a Suspended License
Operating a vehicle without a valid license in Nebraska can result in fines, potential jail time, and longer suspension or revocation periods.
SR-22 Insurance in Nebraska
High-risk drivers may be required to file an SR-22 if they have committed serious violations, failed to maintain coverage, or were convicted of a DUI/DWI. EagleWay Auto Insurance agents can assist with SR-22 filings and provide guidance for high-risk coverage.
High-Risk Auto Insurance
Drivers with multiple violations or serious infractions may be considered high-risk. Non-standard insurance provides protection for these drivers. EagleWay Auto Insurance offers affordable coverage regardless of your driving history.
Finding the Cheapest Car Insurance Rates in Nebraska
Car insurance costs depend on coverage, vehicle, driving habits, location, demographics, driving record, and credit history. EagleWay Auto Insurance helps drivers, including high-risk drivers, find affordable coverage. Get a free quote online or work with an EagleWay agent to create a plan that meets state requirements and fits your needs while maximizing discounts.