Auto Insurance Minimum Requirements
Nebraska requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Nebraska is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
Uninsured / Underinsured Motorist
Mandatory minimums require 25/50 coverage levels for both UM and UIM.
SR-22 Filings
Required for 3 years following dynamic points suspensions, DUI convictions, or uninsured crashes.
Alternatives to Insurance
A structured cash or corporate bond filing of $75,000 with the Department of Motor Vehicles.
Fine
$100–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Nebraska?
Nebraska requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is Nebraska a no-fault state?
No, Nebraska is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Nebraska?
Yes. Nebraska requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. Mandatory minimums require 25/50 coverage levels for both UM and UIM.
What happens if I drive without insurance in Nebraska?
Driving without insurance in Nebraska can result in fines of $100–$1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Nebraska?
SR-22 filings are used in Nebraska for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for 3 years following dynamic points suspensions, DUI convictions, or uninsured crashes.
What does 25/50/25 mean in Nebraska?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Nebraska Department of Motor Vehicles
More Nebraska Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Nebraska Department of Motor Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.