Nebraska Liability Insurance: Complete Coverage Guide
Get affordable Nebraska liability insurance that meets all state requirements. Compare rates from top providers and understand exactly what coverage you need to drive legally and safely in Nebraska.
Why Choose A Plus Insurance for Your Nebraska Liability Insurance?
Finding the right Nebraska liability insurance can be confusing. We simplify the process by comparing multiple carriers to find you the best coverage at the most competitive rates.
Multi-Carrier Comparison
We work with over 25 top insurance providers in Nebraska to ensure you get the best nebraska liability insurance rates available.
Expert Nebraska Knowledge
Our agents understand Nebraska’s specific insurance requirements and can help you navigate the state’s comparative fault system.
Fast & Easy Quotes
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Nebraska Liability Insurance Requirements
Nebraska law mandates specific minimum liability insurance coverage for all drivers. Understanding these requirements is crucial for legal compliance and financial protection.
Minimum Nebraska Requirements
All Nebraska drivers must carry at least 25/50/25 liability coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
Since Nebraska follows a comparative fault system, proper liability coverage is essential for protecting your assets.
Average Nebraska Liability Insurance Costs by City
| City | Average Monthly Cost | Most Affordable Provider |
|---|---|---|
| Omaha | $101 | Farmers Insurance |
| Lincoln | $95 | Progressive |
| Bellevue | $91 | Bristol West |
| Grand Island | $94 | Liberty Mutual |
| Kearney | $103 | Farmers Insurance |
Beyond Basic Nebraska Liability Insurance
While Nebraska liability insurance meets legal requirements, additional coverages provide crucial protection. Consider these options for comprehensive protection.
Recommended Additional Coverages
For complete protection, consider adding:
- Collision Coverage: Protects your vehicle in accidents
- Comprehensive Coverage: Covers non-collision damage (theft, weather)
- Uninsured Motorist: Essential in Nebraska where 6% of drivers are uninsured
- Medical Payments: Covers medical expenses regardless of fault
Cost Comparison: Liability vs Full Coverage
| Insurance Provider | Liability Only (Monthly) | Full Coverage (Monthly) | Best For |
|---|---|---|---|
| National General | $80 | $144 | Budget-conscious drivers |
| The General | $83 | $178 | High-risk drivers |
| Progressive | $105 | $154 | Most Nebraska drivers |
| Geico | $127 | $182 | Military & government |
| State Farm | $137 | $179 | Multi-policy discounts |
Frequently Asked Questions: Nebraska Liability Insurance
Last Updated on by Brian Muse