What is the minimum car insurance required in Nebraska?

Bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000, and uninsured/underinsured motorist coverage of $25,000 per person.

Is underinsured motorist coverage required in Nebraska?

Yes. Nebraska requires both uninsured and underinsured motorist coverage, which is a more complete mandate than most states impose — UIM covers the common case where the at-fault driver has insurance but not enough of it.

Does hail damage come out of my Nebraska liability coverage?

No. Hail is a comprehensive claim. Nebraska sits in an active hail corridor and a liability-only policy leaves damage to your own vehicle entirely uncovered.

Is hitting a deer covered in Nebraska?

Under most policies an animal collision is a comprehensive claim rather than a collision claim. Deer collisions are frequent across Nebraska, so it is worth confirming how your policy treats them.

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

Nebraska is an at-fault state. The driver who caused the crash is responsible for the resulting damage, and their liability coverage pays up to the policy limits.

Nebraska

Auto insurance in Nebraska: what’s required, and what isn’t

By Gaby Valencia, Insurance Content Editor

Last verified August 26, 2026

Nebraska requires 25/50/25 liability plus both uninsured and underinsured motorist coverage — a more complete mandate than most states manage. Requiring the underinsured half matters, because a driver carrying the bare minimum can injure you well past their own limits, and that is a far more common scenario than someone driving with no policy at all.

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What Nebraska requires you to carry

Minimum liability limits in Nebraska — 25/50/25
Bodily injury, per person	$25,000
Bodily injury, per accident	$50,000
Property damage, per accident	$25,000

Nebraska also requires

Uninsured and underinsured motorist coverage: Nebraska requires both. UM responds when the at-fault driver has no policy; UIM responds when their limits run out before your losses do. Requiring both puts Nebraska in a small group of states that close the whole gap rather than half of it.

These are floors, not recommendations. Nebraska sets the minimum a driver may legally carry. It does not assess whether that amount would cover a claim you caused. Anything above your limits is your personal exposure.

How Nebraska enforces it

Nebraska requires proof of financial responsibility, verified against carrier data. Because both uninsured and underinsured motorist coverage are compulsory alongside liability, a policy missing either is not a compliant Nebraska policy.

How rates are set in Nebraska

Nebraska is an at-fault state. The driver responsible for a crash is responsible for the resulting injury and property damage, and their liability limits cap what the insurer pays on their behalf.

The Nebraska Department of Insurance regulates carriers, handles complaints and publishes both an auto insurance guidebook and a shopping tool. Nebraska is a competitive-rating state, so carriers apply their own filed models.

Because liability, UM and UIM are all compulsory, a Nebraska minimum policy contains considerably more protection than the 25/50/25 headline suggests.

Credit-based insurance scores in Nebraska

Nebraska permits credit-based insurance scores in rating. The Department of Insurance publishes an auto insurance guidebook and a shopping tool comparing carriers, which is a faster route to a sense of the market than gathering quotes one at a time.

What actually moves your premium here

Both halves of the uninsured problem are covered

Most states that compel uninsured motorist coverage stop there, leaving the more common problem — an at-fault driver whose limits are too small — uncovered. Nebraska requires underinsured motorist coverage as well, which is a materially more complete mandate.

Severe convective weather is the main comprehensive risk

Nebraska sits squarely in the hail and tornado corridor, and a single storm can produce thousands of vehicle claims across the eastern half of the state. All of it is comprehensive coverage, which the state minimum does not require.

Omaha and Lincoln against a very rural remainder

Two metros hold most of the population and most of the crash frequency, while western Nebraska is long-distance rural driving with the severity profile that comes with it. Carriers rate by garaging ZIP, so the statewide average describes neither well.

Deer collisions run high

Animal collisions are frequent across Nebraska. Under most policies that is a comprehensive claim rather than a collision claim, which is worth confirming on your own policy before treating comprehensive as optional.

See what you’d be matched with in Nebraska

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Comparing carriers in Nebraska

Confirm a quote includes both uninsured and underinsured motorist coverage. Both are required here, and a quote missing either is cheaper because it is not issuable.

Price comprehensive deliberately, particularly in the eastern half of the state. Hail is the single most likely claim a Nebraska driver will make and liability responds to none of it.

One habit matters more than any single carrier choice: re-check every year or two, and again after anything that changes your risk profile — a move across town, a new vehicle, a driver added or removed, or a violation ageing off your record. Carriers re-weight their rating factors continuously, so the one that priced you best three years ago is often not the one that prices you best today.

If you need an SR-22 in Nebraska

Nebraska requires an SR-22 filing after certain suspensions, including driving without insurance and DUI convictions. Your insurer files it with the DMV and must notify the state if the policy lapses. Confirm the period for your case with Nebraska DMV, since it runs from your reinstatement date.

Nebraska auto insurance FAQ

What is the minimum car insurance required in Nebraska?: Bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000, and uninsured/underinsured motorist coverage of $25,000 per person.
Is underinsured motorist coverage required in Nebraska?: Yes. Nebraska requires both uninsured and underinsured motorist coverage, which is a more complete mandate than most states impose — UIM covers the common case where the at-fault driver has insurance but not enough of it.
Does hail damage come out of my Nebraska liability coverage?: No. Hail is a comprehensive claim. Nebraska sits in an active hail corridor and a liability-only policy leaves damage to your own vehicle entirely uncovered.
Is hitting a deer covered in Nebraska?: Under most policies an animal collision is a comprehensive claim rather than a collision claim. Deer collisions are frequent across Nebraska, so it is worth confirming how your policy treats them.
Is Nebraska an at-fault or no-fault state?: Nebraska is an at-fault state. The driver who caused the crash is responsible for the resulting damage, and their liability coverage pays up to the policy limits.

Sources

Requirements on this page were verified against Nebraska’s own regulator and motor vehicle agency on the date shown at the top. Rules change — if you are making a decision that turns on an exact figure, confirm it at the source.

Consumer help in Nebraska: Nebraska Department of Insurance, (877) 564-7323.