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Nebraska is an at-fault (tort) state. Drivers must carry at least 25/50/25 in coverage, and the average full-coverage premium is $2,380 a year, 19% below the national average of $2,922. This guide covers what Nebraska requires, what drivers pay, the rules on fault, uninsured drivers, penalties, teen drivers and phone use, and how to pay less.
| Minimum coverage | 25/50/25 |
| Fault system | At-fault (tort) |
| Average full coverage | $2,380 a year ($198 a month), 19% below the national average of $2,922 |
| Uninsured drivers | 9.5% (2023), the 42nd highest rate of 51 |
| Filing after serious violations | SR-22 |
Nebraska requires $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability (Nebraska Department of Motor Vehicles, "Insurance Requirements (Proof of Financial Responsibility)").
| Uninsured/underinsured motorist | Required: uninsured motorist coverage of at least $25,000 per person and $50,000 per accident. |
The minimums are a legal floor, not a recommendation. Property damage limits in particular don't go far when a new car can cost more than the limit to replace, and anything above your limits is your personal responsibility. See how limits and deductibles work and every type of coverage explained.
The average full-coverage premium in Nebraska is $2,380 a year, 19% below the national average of $2,922. That makes Nebraska the 18th cheapest of 49 (48 states plus D.C.; Alaska and Hawaii aren't in the data) (Experian, "Car Insurance Average Costs by State," published September 9, 2026; full coverage, 12 months to August 2026).
Within Nebraska, prices still vary a lot by ZIP code, driving record and car, and 9.5% of drivers on Nebraska roads were uninsured in 2023, so the coverage you choose matters as much as the premium.
Your own price depends on your ZIP code, age, driving record, car and coverage. Try our car insurance calculator with Nebraska preselected for a personal estimate, and see what determines your car insurance cost.
Nebraska uses modified comparative fault with a 50% bar: your damages are reduced by your share of the blame, and you recover nothing if you are 50% or more at fault. (Matthiesen, Wickert & Lehrer, "Contributory Negligence/Comparative Fault Laws in All 50 States," updated June 10, 2026)
An estimated 9.5% of Nebraska drivers were uninsured in 2023, the 42nd highest rate among the 50 states and D.C. (Insurance Research Council, uninsured motorist estimates for 2023, via Insurance Information Institute "Facts + Statistics: Uninsured motorists"). Uninsured and underinsured motorist coverage protects you when one of them hits you. See coverage types.
You must be able to show proof of insurance, and a vehicle whose driver can't meet the insurance requirements can be impounded immediately until a valid license and proof of financial responsibility are provided. (Nebraska Department of Motor Vehicles)
Driving without proof of insurance is a Class I misdemeanor. A conviction for no proof of insurance leads to license suspension, and you must keep proof of financial responsibility (normally an SR-22) on file with the DMV for three years from the date of the citation, for each vehicle registered in your name. (Nebraska Department of Motor Vehicles, "No Proof of Insurance Conviction")
A conviction for driving uninsured also follows you into your next policy. In CarInsurance.com's rate analysis, it raised the average full-coverage premium in Nebraska from $1,902 to $2,448 a year, an increase of 29% (CarInsurance.com, "Penalty for driving without insurance in every state," updated March 24, 2026; rate analysis).
Beyond the penalties, driving uninsured leaves you personally liable for any damage you cause. See what happens if you drive without car insurance.
After a no-proof-of-insurance conviction, Nebraska requires an SR-22 on file for three years from the citation date. If it's canceled early, the insurer files an SR-26 and your privileges are suspended again. (Nebraska Department of Motor Vehicles, "SR-22 For Revocations/Suspensions" and "SR-26")
Nebraska uses graduated driver licensing (Insurance Institute for Highway Safety, "Graduated licensing laws" table):
Adding a teen is usually the biggest single increase in a family's premium. Keeping them on the family policy, a good-student discount and a safe, modest car help most.
A distracted-driving ticket can count against your record and your premium. (Insurance Institute for Highway Safety, "Electronic device laws" table)
See how to compare car insurance quotes, or get quotes for your ZIP code.
For questions about a policy, a claim or an insurer's conduct, contact the Nebraska Department of Insurance. It handles consumer questions and complaints about insurers in Nebraska.
AutoInsuranceQuery editorial team. Last reviewed: September 29, 2026.
