✓ Updated January 2026 – Based on Real Nebraska Quotes
Nebraska Auto Insurance Requirements & Costs
Complete guide to Nebraska car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.
Nebraska Minimum Coverage
25/50/25
Nebraska requires liability insurance of $25,000 per person / $50,000 per accident for bodily injury, plus $25,000 for property damage. Many owners choose higher limits for better protection.
Nebraska Quote Data Status
No Matching Records Yet
Right now, our first-party dataset doesn’t have enough Nebraska quote volume to publish reliable average monthly insurance rates by coverage, driver, or vehicle. This page focuses on requirements, risk factors, and SR22 guidance until more data is available.
SR22 vs Non-SR22
SR22 Often Costs More
SR22 insurance is a state filing (not a separate policy). In Nebraska, SR22 drivers commonly see higher premiums because the underlying violation changes how insurance companies rate risk. SR22 is typically required for about 3 years.
Violations Drive Rate Changes
Underwriting Tightens
DUI, accidents, and driving without insurance can raise insurance rates and reduce company options. Keeping continuous coverage and avoiding lapses is one of the simplest ways to protect your premium month over month.
Nebraska Auto Insurance Requirements
Nebraska law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.
At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.
| Coverage Type | Minimum Required | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Medical expenses and lost wages for one person injured in an accident you cause |
| Bodily Injury (per accident) | $50,000 | Total medical expenses and lost wages for all people injured in an accident you cause |
| Property Damage | $25,000 | Damage to another person’s vehicle or property in an accident you cause |
Important: These are legal minimums. Most drivers benefit from higher coverage limits to protect against serious accidents. Consider 50/100/50 or 100/300/100 for better protection.
Optional but Recommended Coverage
While not legally required, these coverages provide crucial protection:
- Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
- Collision: Covers damage to your vehicle from accidents, regardless of fault
- Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
- Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault
Learn more about different coverage types on our auto insurance guide, or explore Nebraska liability insurance options in detail.
How Violations & Risk Factors Affect Your Nebraska Rates
Your driving record and risk profile significantly impact insurance costs in Nebraska. Understanding these factors helps you anticipate rate changes and make informed decisions.
Understanding SR-22 Insurance in Nebraska
An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the Nebraska Department of Public Safety. You may need an SR-22 if you have:
- DUI or DWI conviction
- Multiple traffic violations in a short period
- At-fault accident without insurance
- License suspension or revocation
- Conviction for driving without insurance
SR-22 Cost Impact: Drivers requiring SR-22 certification typically pay 50-80% more for auto insurance. The SR-22 filing itself costs $15-50, but the underlying violation causes the major rate increase. SR-22 is usually required for 3 years in Nebraska.
Need SR-22 insurance? Learn more about SR-22 insurance in Nebraska and get quotes from providers who specialize in high-risk coverage.
How DUI Affects Your Nebraska Insurance Rates
A DUI conviction has severe consequences for auto insurance in Nebraska:
- Rate Increase: Average increase of 60-100% for 3-5 years
- SR-22 Requirement: Mandatory filing for minimum 3 years
- Limited Options: Many standard insurers will not cover DUI drivers
- Long-term Impact: DUI stays on your record for 10 years in Nebraska
After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.
Common Traffic Violations and Rate Impacts in Nebraska
| Violation Type | Typical Rate Increase | Duration of Impact |
|---|---|---|
| Speeding (15+ mph over) | 20-30% | 3 years |
| At-fault accident | 30-50% | 3-5 years |
| Reckless driving | 40-70% | 3-5 years |
| DUI/DWI | 60-100% | 5-10 years |
| Driving without insurance | 50-80% | 3 years |
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.
Why Nebraska Auto Insurance Rates Change Over Time
Auto insurance rates in Nebraska fluctuate based on multiple factors. Understanding what drives these changes helps you make informed decisions about when to shop for coverage and how to manage your insurance costs effectively.
Key Factors That Affect Your Nebraska Insurance Rates
- Inflation and Repair Costs: Vehicle repair costs and medical expenses increase annually, driving up premiums
- Accident Frequency: Higher accident rates in your area lead to increased premiums
- Market Competition: New insurers entering Nebraska or existing ones adjusting pricing strategies
- Your Personal Profile: As your driving record, age, and credit change, your rates adjust accordingly
Best Practice: Compare quotes from at least 3-5 insurance providers every 6-12 months. The average Nebraska driver who shops around saves $400+ annually. Your current insurer may gradually increase rates, banking on you not noticing. Shopping around ensures competitive pricing. Learn more about Progressive insurance in Nebraska and other top carriers.
Important: Even a single day without insurance can have serious consequences in Nebraska. If your policy lapses, you face fines, potential SR-22 requirements, and significantly higher rates when you reinstate coverage.
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Auto Insurance Coverage Across Nebraska Counties
Find detailed auto insurance information, rates, and requirements specific to your Nebraska county.
Frequently Asked Questions
What are the minimum auto insurance requirements in Nebraska?
Nebraska requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. This is the legal minimum to drive in Nebraska, though most financial advisors recommend higher limits for better protection.
How much does auto insurance cost in Nebraska?
Auto insurance costs in Nebraska vary widely based on location, driving record, age, vehicle, and coverage level. On average, liability-only coverage costs significantly less than full coverage. Urban areas like Omaha and Bellevue typically have higher rates than rural counties due to accident frequency and theft rates. The best way to find your actual cost is to compare quotes from multiple providers.
Is Nebraska a no-fault insurance state?
No, Nebraska is an at-fault state. This means the driver who causes an accident is responsible for damages through their liability insurance. The at-fault driver’s insurance pays for injuries and property damage to other parties. This is why adequate liability coverage is crucial in Nebraska.
What happens if I get caught driving without insurance in Nebraska?
Driving without insurance in Nebraska results in serious penalties: fines, suspension of your driver’s license and vehicle registration, potential SR-22 requirement for future coverage, and significantly higher insurance rates when you reinstate coverage. Nebraska takes uninsured driving very seriously, and penalties increase for repeat offenses.
Do I need SR-22 insurance in Nebraska?
You need SR-22 insurance in Nebraska if you’ve had a DUI/DWI, multiple serious traffic violations, an at-fault accident without insurance, or your license was suspended or revoked. The SR-22 is a certificate your insurance company files with the Nebraska Department of Public Safety proving you carry the required minimum coverage. It’s typically required for 3 years and increases your insurance rates by 50-80%.
How does a DUI affect my car insurance rates in Nebraska?
A DUI in Nebraska typically increases your insurance rates by 60-100% and remains on your driving record for 10 years. You’ll need to file an SR-22 for at least 3 years, and many standard insurance companies won’t cover you, forcing you to seek high-risk insurers. Rates gradually decrease over time if you maintain a clean record, but expect elevated premiums for 5-10 years.
Should I get more than the minimum coverage in Nebraska?
Yes, most insurance experts recommend purchasing more than Nebraska’s minimum 25/50/25 coverage. These minimums may not cover all damages in a serious accident, leaving you personally liable for the difference. Consider at least 50/100/50 or 100/300/100 coverage, plus uninsured motorist coverage, to protect your assets. The additional cost is usually modest compared to the increased protection.
How often should I shop for new car insurance rates in Nebraska?
You should compare car insurance quotes every 6-12 months, even if you’re satisfied with your current provider. Insurance rates change frequently based on market conditions, and you may qualify for new discounts or find better rates elsewhere. Life changes like marriage, moving, or buying a home can also significantly affect your rates. Shopping around regularly can save Nebraska drivers $400 or more annually.
Last Updated on by Jayleen Ridgeway