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Compare Nebraska Auto Insurance Quotes
Comparing auto insurance in Nebraska is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Nebraska drivers may want to consider comprehensive coverage because the state DOI describes comprehensive coverage as covering non-collision losses such as theft, hail, windstorm, flood, fire, windshield damage and hitting animals.
Nebraska average rates are below Bankrate’s listed national averages for both full and minimum coverage, but premiums can rise sharply after violations, accidents, DUI convictions or poor credit.
Nebraska Minimum Coverage Requirements
Minimum Limit
25/50/25
Nebraska requires at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability. Nebraska also requires uninsured/underinsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.
Fault System
At Fault
PIP
Offer/Rejection Rule
PIP is not required in Nebraska. Medical payments coverage may be available as optional coverage.
UM/UIM
Required
Nebraska requires uninsured/underinsured motorist bodily injury coverage, commonly listed as $25,000 per person and $50,000 per accident.
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
Liability vs. Full Coverage in Nebraska
Nebraska minimum coverage focuses on required protection such as Nebraska requires at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability. Nebraska also requires uninsured/underinsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Liability Coverage: Covers damage or injuries you cause to others, up to the policy limits.
Collision Coverage: Covers damage to your vehicle in a crash, subject to your deductible and policy terms.
Comprehensive Coverage: Protects against many non-collision losses such as theft, vandalism, weather damage, fire, flood, falling objects, and animal collisions, depending on the policy.
Full Coverage: Typically refers to liability plus collision and comprehensive coverage. It is not a standardized legal term.
SR-22 and High-Risk Insurance in Nebraska
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Nebraska may require an SR-22 filing after certain suspensions or revocations. The DMV says SR-22 is commonly required for three years for point revocations, no-proof-of-insurance suspensions and some court-ordered revocations, while some other reinstatement scenarios only require it on file at reinstatement.
Nebraska does not use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Teen Driver Insurance in Nebraska
Adding a teen driver to your Nebraska auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Discounts for Nebraska Drivers
Insurance partners may offer various discounts to Nebraska drivers, including:
Multi-policy discount (bundling auto and home insurance)
Good driver discount (no accidents or violations)
Good student discount (for students with good grades)
Low mileage discount (driving fewer miles per year)
Safety features discount (anti-theft devices, airbags, etc.)
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy and telematics discounts. Drivers who work from home or drive less may benefit from low-mileage programs.
Ask about available discounts when comparing quotes.
Top Carriers in Nebraska
Nebraska personal auto carrier context
Rank
Carrier
1
USAA
2
North Star Mutual
3
Progressive
4
Auto-Owners
5
State Farm
Carrier pricing and availability vary by ZIP code and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Top Cities in Nebraska
Find auto insurance in these major Nebraska cities:
Note: Only featured cities have dedicated pages. Other cities are served through our main Nebraska page.
Frequently Asked Questions
What is the minimum car insurance required in Nebraska?
Nebraska requires 25/50/25 liability coverage: $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability. Nebraska also requires uninsured/underinsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.
Is Nebraska a no-fault state?
No. Nebraska is an at-fault state, so the driver who causes a crash is generally responsible for the other party’s injuries and property damage.
Is uninsured motorist coverage required in Nebraska?
Yes. Nebraska requires uninsured/underinsured motorist bodily injury coverage, commonly listed as $25,000 per person and $50,000 per accident.
How much is car insurance in Nebraska?
Bankrate lists Nebraska’s average annual cost at $2,393 for full coverage and $524 for minimum coverage. Actual quotes depend on location, driving record, vehicle, coverage limits, credit tier and insurer.
Does Nebraska require SR-22 insurance?
Some Nebraska drivers must file an SR-22 after suspensions or revocations, including no-proof-of-insurance suspensions and point revocations. The filing period depends on the reinstatement situation.
Last Updated: June 15, 2026
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
