Having the right amount of car insurance isn’t just about staying in compliance with the law. Getting into an accident without sufficient insurance coverage can spell trouble, both for your car and for your finances.

Thankfully, getting

cheap car insurance

is easy with the licensed broker and comparison app

Jerry

. Jerry compiles quotes from 40+ top providers and then takes care of everything for you, from setting up your new policy to canceling your old one.

Here’s everything you need to know about Nebraska car insurance laws, including how to lower your

Nebraska car insurance costs

with Jerry's

trusted insurance comparison tool

RECOMMENDED

Compare auto insurance policies

No spam or unwanted phone calls · No long forms

ZIP Code

Find insurance savings

Car insurance requirements in Nebraska

Nebraska law requires drivers to have both liability coverage and uninsured/underinsured motorist coverage.

Minimum liability coverage: 25/50/25	Uninsured/underinsured motorist coverage
$25,000 bodily injury per person	$25,000 bodily injury per person
$50,000 bodily injury per accident	$50,000 bodily injury per accident
$25,000 property damage per accident

Liability coverage in Nebraska

Liability coverage

pays for damages and medical expenses for other drivers if you’re the at-fault driver in a collision.

The minimum liability coverage requirements in Nebraska follow a 25/50/25 pattern, meaning you must have at least:

$25,000 in bodily injury coverage per person

$50,000 in bodily injury coverage per accident

$25,000 in property damage coverage per accident

Liability coverage does not cover your own damages or medical expenses when you’re at fault in an accident, so you’ll definitely want to purchase additional coverage.

Personal injury protection (PIP)

, for example, pays for your damage and medical bills after an at-fault collision.

MORE:

Get cheap car insurance in Nebraska

Uninsured/underinsured motorist coverage in Nebraska

Uninsured/underinsured motorist coverage

covers your medical expenses if you’re in a collision with an at-fault driver who doesn’t have insurance.

The minimum uninsured/underinsured motorist coverage requirements in Nebraska are as follows:

$25,000 in bodily injury coverage per person

$50,000 in bodily injury coverage per accident

Key Takeaway Nebraska law requires all drivers to have 25/50/25 liability coverage and 25/50 uninsured/underinsured motorist coverage.

RECOMMENDED

Compare auto insurance policies

No spam or unwanted phone calls · No long forms

ZIP Code

Find insurance savings

State-mandated car insurance limits

A car insurance "limit" is the maximum amount of coverage your provider will give you in a particular coverage category. A state-mandated car insurance limit is a legally required minimum that you must have with your insurance provider.

State-mandated limits for liability coverage in Nebraska

$25,000 in bodily injury coverage per person means that your insurance provider will contribute no more than $25,000 in bodily injury coverage per person in an accident where you are at fault

$50,000 in bodily injury coverage per accident means that your insurance provider will contribute no more than $50,000 in bodily injury coverage in total per accident in an accident where you are at fault

$25,000 in property damage coverage per accident means that your insurance provider will contribute no more than $25,000 in property damage coverage per accident in an accident where you are at fault

State-mandated limits for uninsured/underinsured motorist coverage in Nebraska

$25,000 in bodily injury coverage per person means that your insurance provider will contribute no more than $25,000 in bodily injury coverage per person for you and/or other passengers if you were in an accident with an uninsured or underinsured at-fault driver.

$50,000 in bodily injury coverage per accident means that your insurance provider will contribute no more than $50,000 in bodily injury coverage in total per accident for you and/or other passengers if you were in an accident with an uninsured or underinsured at-fault driver

If you want more coverage than the state-mandated limits, you can purchase higher limits with your insurance provider. This helps ensure that you’ll never be responsible for costs out of pocket.

MORE:

How to register a car in Nebraska

Do Nebraska’s required insurance minimums provide enough coverage?

Nebraska’s state-mandated car insurance minimums are comparable to most other states. But, in general, carrying the minimum amount of car insurance coverage isn’t a great idea as it’s easy to quickly exhaust your limits. If you cause a collision that results in one or two hospitalizations, for instance, you can quickly blow past that $50,000 bodily injury liability limit.

Remember: once you’ve hit your limits, you will be liable for any remaining expenses. We suggest purchasing higher insurance limits. This will typically look like a slightly higher monthly premium, but it could mean saving thousands of dollars if you ever get into a bad collision.

Key Takeaway While Nebraska’s state-mandated limits are comparable to other states, they could be easily reached after an accident. Higher limits are a good idea to offer greater protection.

RECOMMENDED

Compare auto insurance policies

No spam or unwanted phone calls · No long forms

ZIP Code

Find insurance savings

Penalties for driving without insurance in Nebraska

Driving without car insurance

is illegal in Nebraska. Nebraska holds a few penalties for driving without proof of insurance:

Minimum $50 fine

Temporary license suspension (until you show proof of insurance)

SR-22

filing requirement

On top of these legal penalties, driving without insurance has huge financial consequences. If you get into an at-fault collision, you will be personally liable for damages and expenses, which could cost you tens of thousands of dollars.

MORE:

Get SR-22 insurance

Optional auto insurance coverage in Nebraska

Comprehensive coverage

can cover the costs of physical damages to your vehicle that are not the result of a collision (e.g., vandalism)

Personal injury protection (PIP)

covers your own damages and medical expenses when you are in a collision—regardless of who is at fault

Collision coverage

can help you cover the cost of repairs for your vehicle after a collision with another vehicle or fixed object

Medical payments coverage

covers the cost of medical bills or funeral expenses resulting from a collision

Roadside assistance

helps with things like fixing flats, towing, or jumping batteries—the type of coverage will vary between companies

Rental car reimbursement

will cover the cost of a rental vehicle while your car is being repaired after a claim

Where to buy car insurance in Nebraska

Looking to buy car insurance in Nebraska?

Jerry

is here to help.

Jerry is a

car insurance

comparison and broker app that does all the work of comparison shopping for you—so you can find the lowest rates possible for your car insurance.

In addition to finding you cheap rates for great coverage, Jerry takes care of the calls and paperwork for your new policy and cancels your old one. No overpaying and no hassles.

"Using Jerry was quick and easy, and I’m going to save $850 a year with the same coverage limits!" —Jerry user

MORE:

Top 10 cheapest cars to insure

FAQs

Is car insurance required in Nebraska?

Yes. All Nebraska drivers must have liability coverage following a 25/50/25 pattern and uninsured/underinsured motorist coverage following a 25/50 pattern.

How long do you have to get insurance after buying a used car in Nebraska?

When buying a new car in Nebraska, there is a grace period of 2 to 30 days for getting car insurance. You’ll probably need to show proof of insurance to a dealer to drive the car off the lot, though.

This may not be the case for a used car—especially if you’re buying from a private seller. Regardless, you should buy car insurance as soon as possible after purchasing a car—and you should never drive in Nebraska without car insurance.

RECOMMENDED