State guide
Car Insurance in Nebraska
Updated August 2026
Nebraska requires 25/50/25 liability limits — $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage — but that's only half the mandate. Unlike most at-fault states, Nebraska also makes uninsured and underinsured motorist coverage compulsory: every auto policy issued in the state must include UM/UIM bodily injury coverage of at least $25,000 per person and $50,000 per accident under Neb. Rev. Stat. §44-6408.
The practical effect is that a minimum Nebraska policy protects you in both directions — your liability coverage pays people you injure, and your UM/UIM coverage pays you when the at-fault driver carries nothing or too little. Nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council), which is precisely the exposure Nebraska legislated against.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $25,000 |
| PIP / medical | Not required (at-fault state) |
| Additional requirements | Uninsured/underinsured motorist bodily injury coverage of $25,000 per person / $50,000 per accident is mandatory (Neb. Rev. Stat. §44-6408) |
| No-fault state | No |
| SR-22 used | Yes |
Source: Neb. Rev. Stat. §60-346, §44-6408; Nebraska Department of Insurance
Average annual expenditure for auto insurance in Nebraska was $872 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement)
How Nebraska's mandatory UM/UIM coverage works
Uninsured motorist coverage pays for your injuries when the at-fault driver has no insurance; underinsured motorist coverage tops you up when their limits are too low for your medical bills. In Nebraska both are baked into every policy at 25/50 minimums — there's no rejection form for the coverage itself, only choices about limits.
On written request, insurers must offer higher UM/UIM limits under their rating plans, up to $100,000 per person and $300,000 per accident. Since carriers price UM/UIM very differently, this is one of the line items where comparing quotes side by side shows real spread even at identical limits.
SR-22s and license reinstatement in Nebraska
Nebraska does use SR-22 filings. After a court-ordered revocation, point revocation, or a no-proof-of-insurance suspension, the Nebraska DMV requires proof of financial responsibility to stay on file for three years — normally an SR-22 certificate filed by your insurer — plus a reinstatement fee.
Not every carrier files SR-22s, and among those that do, the premium attached to the underlying violation varies widely. Drivers coming off a revocation typically benefit more from shopping multiple carriers than almost any other group.
What Nebraska drivers pay
Average annual expenditure for auto insurance in Nebraska was $872 in 2022, per the NAIC — noticeably below the $1,127 countrywide average that year, even with the state's extra UM/UIM mandate. Hail claims and rural-versus-Omaha rating territories still move individual quotes around a lot, so the average is a reference point, not a prediction. Comparing quotes at your actual address and limits is what turns it into a real number.
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Frequently asked questions
What car insurance is required in Nebraska?+
Liability coverage of at least $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (25/50/25), plus mandatory uninsured/underinsured motorist bodily injury coverage of $25,000/$50,000 under Neb. Rev. Stat. §44-6408.
Is Nebraska a no-fault state?+
No. Nebraska is an at-fault (tort) state: the driver who causes the accident pays for the other side's injuries and property damage through their liability coverage. There is no PIP requirement.
Can I decline uninsured motorist coverage in Nebraska?+
No. UM/UIM bodily injury coverage at 25/50 limits is mandatory in every Nebraska auto policy. You can choose higher limits, but you can't drop the coverage.
Does Nebraska use SR-22s?+
Yes. After certain revocations and suspensions, the Nebraska DMV requires an SR-22 certificate of insurance to remain on file for three years from reinstatement eligibility, filed by your insurance company.
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