Nebraska car insurance: requirements & free quotes
Nebraska requires liability plus uninsured and underinsured motorist coverage, and it is an at-fault state. Hail is a frequent hazard on the plains, along with deer on rural roads.
Minimum coverage in Nebraska
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Uninsured/underinsured motorist $25,000 per person / $50,000 per accident
Shown as 25/50/25 + UM/UIM 25/50. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Nebraska
- Comprehensive coverage is important for hail and deer-collision claims.
- Consider raising UM/UIM limits to match your liability coverage.
- Ask about discounts for multiple vehicles and bundled policies.
- Drivers with long rural commutes may value roadside assistance.
We connect drivers across Nebraska
Including Omaha, Lincoln, Bellevue, Grand Island and Kearney — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Nebraska car insurance FAQ
No. Nebraska is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.