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 at-fault state for car insurance claims.

Field report · NE

Car insurance in Nebraska

Nebraska is a at-fault state with a minimum liability requirement of25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/25

Fault systemAt-fault

Uninsured motoristRequired

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

Illustrative estimate: roughly $375-$380/year for minimum coverage - among the cheapest states nationally.

Why this is a range, 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 ourcost calculator for a figure based on your own details, orget 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 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.

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