Nebraska Car Insurance Regulations & Required Coverage

Nebraska car insurance regulations operate under a tort system. With this type of system, after an accident, someone must be held responsible for causing it – also known as being at-fault for the accident. Under Nebraska auto insurance law, all vehicles must have minimum Bodily Injury and Property Damage to cover at-fault accidents.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The state of Nebraska has multiple options for establishing financial responsibility but the most popular is to obtain car insurance coverage. Their laws are similar to other states but do vary and should be reviewed to ensure you meet all the requirements and maintain the right coverage.

Nebraska insurance law follows a tort system. Under this type of system, after an accident, someone must be held responsible for causing it – also known as being found at fault. The at fault driver and their insurance company are then held liable for covering related expenses.

Required Coverage

All personal vehicles in Nebraska require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage
Minimum Nebraska Car Insurance Requirements
Bodily Injury Liability $25,000 / $50,000 Limit
Property Damage Liability $25,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage
  • Uninsured / Underinsured Motorist Coverage

Collision covers repairs or replacement of your vehicle after it’s been in an accident. Comprehensive covers damages resulting for non-collision incidents such as your vehicle being broken into or a fire. A list of the most stolen vehicles in Nebraska can give you an immediate idea if your car is in danger of being stolen and making this coverage even more useful. Each coverage has a deductible that must first be payed before receiving compensation.

Uninsured or underinsured motorist coverage pays out when the at fault party either doesn’t have insurance, doesn’t have enough coverage or is a hit and run driver. Even though the state requires drivers to maintain insurance, not everyone does making this coverage recommended.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy
  • Self insurance – must have more than 25 vehicles insured
  • Cash deposit of $75,000 with the State Treasurer
  • Surety bond with a company licensed by the state

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Insurance ID card
  • Certificate of self insurance
  • Certificate of cash bond
  • Proof of surety bond

You must maintain proof of insurance and financial responsibility:

  • When asked by a police officer
  • After an accident
  • When registering your vehicle
  • Anytime you drive your vehicle

Failure to Maintain Financial Responsibility Penalties

If you are not able to show proof of insurance, you can face the following penalties:

  • Fines up to $500
  • Suspension of your license and registration
  • Requirement to file an SR-22
  • Applicable reinstatement fees

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