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Nebraska’s Car Insurance Minimum Requirements

In the state of Nebraska to be legal to drive you have to be able to provide one of the following:

  • Certificate of Insurance

  • Bond

  • Property Bond

  • Certificate of Self Insurance

  • Certificate of Deposit

The majority of drivers in the state of NE usually get a certificate of insurance from an insurance firm authorized to do business in the state. The other options require an amount of $75,000 whether on deposit, a bond, or certificate of self insurance. For drivers in the state the minimum liability  car insurance is required:

Bodily injury Liability

In the event the insured individual is at-fault in an accident, bodily injury liability will pay for the medical bills of the other driver and the passengers in their vehicle. When the minimum quantity of coverage is purchased the insurance firm will pay up to $25,000 for an individual person or $50,000 for multiple folks.

Property Damage Liability

Property damage responsibility covers damages to an individual’s vehicle public property like traffic signs or personal property like a place a business. Under the minimum needed protection, an insurer will pay up to $25,000 for required repairs.

Beautiful vehicle picture in Omaha, Nebraska. Image Credit to Nan Palmero, Flickr, Creative Commons.

Beautiful vehicle picture in Omaha, Nebraska. Image Credit to Nan Palmero, Flickr, Creative Commons.

Since the chance of being involved in an auto accident with an uninsured motorist is high in NE (even in communities such as Blair or Gering) the state requires every driver to get uninsured motorist protection in the amount of $25,000 for one passenger injured; and $50,000 for more than one passenger injured in an auto accident.

Local Car Insurance Agents in Nebraska – Popular Cities

Those these are the minimum requirements it is highly recommended to get comprehensive, and collision. If you have a newer model car then all both optional insurances would provide proper cover in any unforeseen accident. For late model vehicle or those valued less than $3000 you may want to compare some insurance quotes and consult with a broker or agent when you have found some that fit your budget. Nebraska is a state that offers Gap insurance. If your vehicle is financed then Gap insurance would cover the difference between the “actual-value” and the financed amount from the bank or lending institution.

The following are the average amount of coverage per driver in the state of NE:

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 100,000

  • Comprehensive Coverage – $250 deductible

  • Collision Coverage – $500 deductible

  • Uninsured Motorist Protection – 100,000/300,000

  • Medical Payment Coverage – $5,000

At Autoinsuresavings you can use the quote comparison tool at the top of the page to find lower rates from Omaha, Lincoln, to Sidney. It takes less than a few minutes to get three or more. Once you find the policy that fits your needs then you may want to ask the following questions to the insurance agent:

  • Am I in your lowest-priced company? If not, why

  • How can I get a better rate?

  • Do I qualify for any discounts offered by the company?

  • Are any discounts included in the rate quoted?

  • What payment plans do you offer?

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Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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