Nebraska Car Insurance

Nebraska Car Insurance Laws

Nebraska’s basic liability car insurance requirements of $25,000 bodily injury liability per person and $50,000 per accident, plus $25,000 for property damage liability, are substantial enough to protect many drivers. If you have assets such as a business, home or savings, you should consider increasing those limits to match.

Nebraska also requires uninsured and underinsured motorist coverage for bodily injuries.

Alternative forms of financial responsibility: Besides a Nebraska auto insurance policy, state laws provide that it’s acceptable for motorists to show proof of financial responsibility with one of the following:

• Bond of $75,000 issued by a surety company authorized in Nebraska
• Property bond conditioned for the payment of up to $75,000
• Certificate of deposit or money or securities of $75,000
• Certificate of self-insurance issued by the Nebraska Department of Motor Vehicles

Proof required for registration: To register your vehicle, you must have acceptable proof of financial responsibility.

Uninsured motorist penalties for Nebraska: If caught driving without insurance in Nebraska, you may be fined up to $1,000, your license and registration may be suspended, you may be sentenced to six months in jail and you could be required to file an SR-22 form.

School permit for young teens: At 14 years 2 months a teenager can request a permit that will allow the individual to drive a motor vehicle, moped or motorcycle to and from school if the teenager meets very specific conditions described on the Nebraska Department of Motor Vehicles website. Otherwise a teen must wait until age 15 to get a learner’s permit.

Largest car insurance companies for Nebraska by market share