Minimum Car Insurance in Nebraska
The liability limits Nebraska requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Nebraska requires 25/50/25 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Neb. Rev. Stat. §60-310; §44-6408
| Minimum coverage required | Nebraska requires 25/50/25 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Policies must also include uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident each. A bond is also listed by the DMV as acceptable proof of financial responsibility. UM/UIM: https://nebraskalegislature.gov/laws/statutes.php?statute=44-6408 ; bond: https://dmv.nebraska.gov/dvr/ins-req |
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| At-fault or no-fault | Nebraska uses a fault-based system: a driver who causes an accident is responsible for the resulting injuries and property damage, which liability coverage pays up to its limits. Uninsured/underinsured motorist coverage pays your bodily-injury costs if the at-fault driver has no or insufficient coverage. |
| Uninsured motorist coverage | Uninsured and underinsured motorist coverages are both required in every auto liability policy for a vehicle principally garaged in Nebraska, each at limits of at least $25,000 per person and $50,000 per accident. At the named insured's written request, the insurer must provide higher UM/UIM limits under its rating plan, but not more than $100,000 per person and $300,000 per accident. Source: Neb. Rev. Stat. §44-6408 |
More Nebraska car insurance & vehicle laws
- Driving Without Insurance in Nebraska
- SR-22 Insurance in Nebraska
- When a Car Is a Total Loss in Nebraska
- Transferring a Car Title in Nebraska
- All Nebraska car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Nebraska?
Nebraska requires 25/50/25 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for property damage. Policies must also include uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident each. A bond is also listed by the DMV as acceptable proof of financial responsibility.
Is Nebraska a no-fault car insurance state?
Nebraska uses a fault-based system: a driver who causes an accident is responsible for the resulting injuries and property damage, which liability coverage pays up to its limits. Uninsured/underinsured motorist coverage pays your bodily-injury costs if the at-fault driver has no or insufficient coverage.
Is uninsured motorist coverage required in Nebraska?
Uninsured and underinsured motorist coverages are both required in every auto liability policy for a vehicle principally garaged in Nebraska, each at limits of at least $25,000 per person and $50,000 per accident. At the named insured's written request, the insurer must provide higher UM/UIM limits under its rating plan, but not more than $100,000 per person and $300,000 per accident.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.