Nebraska Minimum Coverage Car Insurance: Requirements and Costs (2024)

Nebraska requires drivers to carry the state minimum car insurance, which includes bodily injury liability of $25,000 per person, $50,000 per accident and $25,000 property damage liability per accident. Uninsured/Underinsured motorist coverage is also mandatory and has the same limits. Nebraska operates under an at-fault system, which means the driver responsible for the accident is liable for the damages.

Residents looking for the cheapest car insurance in Nebraska can find state minimum coverage at an average monthly cost of $31. This is a cost-effective way for drivers to meet the minimum car insurance requirements and drive legally. Remember that these are average costs, and individual premiums may vary.

In Nebraska, drivers must carry the state minimum car insurance coverage to operate a vehicle legally. The required coverage limits include:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

Since Nebraska is a fault state, the driver who is at fault for an accident is responsible for covering the damages. Being found at fault in an accident could result in higher insurance costs.

This table reflects Nebraska's minimum car insurance inclusions. Your policy's coverage details will depend on its terms and conditions.

The table below outlines the average cost of minimum coverage auto insurance in Nebraska by age group, providing a guide to how age influences the financial responsibility of owning and operating a vehicle in Nebraska. Drivers between the ages of 22 and 29 face the highest premiums due to their relative inexperience and higher risk of accidents.

For Nebraskans seeking affordable minimum coverage insurance, these are the most budget-friendly options:

• American National P&C: $163 per year and $14 per month
• Auto-Owners: $272 per year and $23 per month

While the cheapest plan may adhere to Nebraska's state minimum insurance requirements, it's important to consider a policy that aligns with your personal needs and provides adequate protection. Ensure you're making the best choice by exploring the best car insurance in Nebraska.

In Nebraska, drivers can opt for additional coverages such as comprehensive, collision, uninsured/underinsured motorist, medical payments and towing and labor. While not mandated by law, these options can provide valuable protection against various incidents. Determine how much car insurance you need to know which additional coverages to include in your policy.

In Nebraska, the cost of a ticket for driving without insurance varies based on whether it's a first-time or repeat offense. Penalties may be more lenient for first-timers, while repeat offenders can expect harsher consequences. Drivers can face a range of penalties, such as:

• Monetary fines: The amount you pay can increase with repeat offenses.
• License suspension: Authorities can temporarily revoke your driving privilege, and once eligible, you must pay a fee for reinstatement.
• Vehicle registration suspension: When your vehicle registration is suspended, you cannot drive the car legally.
• Requirement to file an SR-22: An SR-22 is a certification of financial responsibility, that you need to file for a specified period.
• Potential jail time: If you are involved in an accident without insurance, you can face jail time.

It's important to obey the laws on car insurance. Driving with at least state minimum coverage in Nebraska keeps you compliant with the law and protects you financially in case of an accident. Remember, staying insured is a legal requirement and a responsible choice for every driver.

After a car insurance policy is canceled, drivers in Nebraska should immediately seek a new policy to avoid the legal issues of driving uninsured. You can renegotiate with your insurance agent or find another provider. The Nebraska Department of Motor Vehicles (DMV) will be notified of any lapse in coverage, potentially leading to fines or license suspension.

If traditional insurance companies deny coverage, Nebraska drivers can explore the Nebraska Automobile Insurance Plan for high-risk drivers. It ensures that all drivers have access to the state minimum coverage.

Remember, it's important to maintain at least the minimum coverage required in Nebraska and avoid driving without insurance to stay on the right side of the law.

To help you comply with local laws, we provide clear information about Nebraska's state minimum car insurance requirements. Here, you'll find answers to common questions about the coverage you need to drive legally in the Cornhusker State.