What is the minimum car insurance requirement in Nebraska?

Nebraska requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Is Nebraska an at-fault or no-fault state?

Nebraska is an at-fault state for car insurance claims.

Field report · NE

Car insurance in Nebraska

Nebraska is an at-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/251

Fault systemAt-fault1

Uninsured motoristRequired1

RegulatorNebraska Department of Motor Vehicles (DMV)

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

UM/UIM coverage is required on every policy in addition to liability limits.

Estimated cost

$524 a year for minimum coverage, $2,393 for full coverage2

Average annual premiums in Nebraska for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI conviction (a 5-year filing period, with lapses resetting the clock), driving uninsured, or reckless driving.

Local conditions worth knowing

Nebraska is roughly 73% rural, meaning higher-speed open-highway crashes and longer emergency-response times increase per-accident severity; the state also ranks among the top states for tornado frequency and deer collisions.

Frequently asked

What is the minimum car insurance requirement in Nebraska?: Nebraska requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
Is Nebraska an at-fault or no-fault state?: Nebraska is an at-fault state for car insurance claims.
Do I need an SR-22 in Nebraska?: Typically required after a DUI conviction (a 5-year filing period, with lapses resetting the clock), driving uninsured, or reckless driving.
Is uninsured motorist coverage required in Nebraska?: UM/UIM coverage is required on every policy in addition to liability limits.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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