Nebraska car insurance: minimums, prices and your estimate
Nebraska requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Nebraska is an at-fault state with no personal injury protection requirement, but every policy must include both uninsured and underinsured motorist coverage of at least 25/50.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (3 years)
What drivers in Nebraska can expect to pay
Monthly ranges from our model, anchored to Nebraska's position in 7 published price studies from 2025 and 2026 ($2,590 a year for full coverage and $523 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $186-$246 | $2,590 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $38-$50 | $523 |
| Young driver, full coverage20, own policy, clean record | $345-$518 | $5,180 |
| Senior, full coverage70, clean record | $178-$236 | $2,486 |
| After one at-fault accident35, full coverage | $278-$369 | $3,885 |
| After a DUI35, full coverage | $325-$487 | $4,869 |
| Poor credit35, clean record, full coverage | $331-$477 | $4,843 |
Build your Nebraska estimate
Rules worth knowing in Nebraska
- If you ask in writing, your insurer must offer uninsured and underinsured motorist limits above 25/50, up to 100/300.
- You need proof of insurance or other financial responsibility to register a vehicle. Besides an insurance certificate, the state accepts a bond, a deposit of money or securities, or a self-insurance certificate.
- Insurers may use credit-based insurance scores, but credit alone cannot be the reason to deny, cancel or refuse to renew a policy, or to set your renewal rate.
- Some credit inquiries and medical collection accounts cannot count against you, and you can ask to be re-rated at renewal.
- The Nebraska DMV requires an SR-22 filed by your insurer for 3 years after a court-ordered or points revocation ends or after a no-proof-of-insurance citation, and for as long as you hold an employment or medical hardship permit.
Questions about Nebraska car insurance
What is the minimum car insurance in Nebraska?
Nebraska requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Nebraska per month?
For a 35-year-old with a clean record, our model puts full coverage at about $186 to $246 a month and state-minimum coverage at about $38 to $50. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Nebraska a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Nebraska use my credit score?
Yes. Many insurers in Nebraska use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Nebraska?
Only if a court or the state requires one, usually after a serious violation or a lapse. The Nebraska DMV requires an SR-22 filed by your insurer for 3 years after a court-ordered or points revocation ends or after a no-proof-of-insurance citation, and for as long as you hold an employment or medical hardship permit.