Nebraska Car Insurance
Nebraska drivers must carry 25/50/25 liability under the Motor Vehicle Safety Responsibility Act (Neb. Rev. Stat. § 60-310)1 plus 25/50 UM/UIM compulsory on every policy under Neb. Rev. Stat. § 44-64082. Nebraska is a traditional tort state and does not require PIP4.
YesWeSure Bottom Line
UM/UIM compulsory, not must-offer. Nebraska is one of the states that requires UM and UIM on every personal auto policy; you cannot reject it in writing2.
Traditional tort state. First-party medical bills typically flow through health insurance or optional MedPay; tort recovery against the at-fault driver remains the primary mechanism4.
How to make a real decision. Treat 25/50/25 as a floor, not a target. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Nebraska car insurance law requires
Minimum liability limits
25 / 50 / 251
$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage per accident, under the Motor Vehicle Safety Responsibility Act (Neb. Rev. Stat. § 60-310).
Personal Injury Protection (PIP)
Not required4
Nebraska is a traditional tort state. No PIP is required on personal auto. Medical Payments coverage is an optional first-party add-on insurers typically offer.
Uninsured / Underinsured Motorist
25 / 50 BI required2
Neb. Rev. Stat. § 44-6408 requires UM and UIM bodily-injury coverage at 25/50 on every Nebraska personal auto policy. UM/UIM is compulsory, not merely must-offer.
Coverage verification
Nebraska DMV insurance verification3
The Nebraska DMV administers insurance verification. Confirmed lapse under Neb. Rev. Stat. § 60-3,163 can trigger driver license and registration suspension plus SR-22 filing requirements.
Rate approval regime
Nebraska DOI oversight4
Nebraska does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/25 compulsory liability
Neb. Rev. Stat. § 60-310 compels every registered Nebraska vehicle to carry 25/50/25 liability1. Many Nebraska drivers carry higher limits.
PIP: not required in Nebraska
Nebraska does not require Personal Injury Protection. Medical Payments coverage is an optional first-party add-on that insurers typically offer. For how MedPay compares to PIP in states that require it, see our medical payments coverage guide.
25/50 UM and UIM compulsory
Neb. Rev. Stat. § 44-6408 requires UM and UIM bodily-injury coverage at 25/50 on every Nebraska personal auto policy2. UM/UIM is compulsory, not merely must-offer.
DMV verification and lapse enforcement
The Nebraska DMV administers insurance verification5. A confirmed lapse under Neb. Rev. Stat. § 60-3,163 can trigger driver license and registration suspension plus SR-22 filing requirements3. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Nebraska does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age4.
Where the Nebraska situation rules live on YesWeSure
This State Guide owns the Nebraska pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Nebraska SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DMV consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Nebraska. New-resident registration is treated in our moving-to-another-state guide.
Ready to compare Nebraska quotes at or above the compulsory limits?
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Common questions
What is the minimum car insurance required in Nebraska?
25/50/25 liability under Neb. Rev. Stat. § 60-3101 plus compulsory 25/50 UM and UIM under § 44-64082.
Is Nebraska a no-fault state?
No. Nebraska is a traditional tort state and does not require PIP4.
Is UM/UIM required in Nebraska?
Yes. UM and UIM are compulsory at 25/50 on every Nebraska personal auto policy under Neb. Rev. Stat. § 44-64082.
Sources & methodology
- Neb. Rev. Stat. § 60-310: Motor Vehicle Safety Responsibility Act; 25/50/25 compulsory liability. (Nebraska Legislature)
- Neb. Rev. Stat. § 44-6408: Uninsured and Underinsured Motorist coverage compulsory at 25/50. (Nebraska Legislature)
- Neb. Rev. Stat. § 60-3,163: driver license suspension for operation without compulsory motor vehicle insurance; SR-22 filing for reinstatement. (Nebraska Legislature)
- Nebraska Department of Insurance: Automobile Insurance consumer page. (Nebraska Department of Insurance)
- Nebraska Department of Motor Vehicles: Insurance Requirements consumer page. (Nebraska Department of Motor Vehicles)
- YesWeSure: Car insurance after an accident (YesWeSure)
- YesWeSure: Car insurance after a DUI (YesWeSure)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure)
- YesWeSure: Car insurance when moving to another state (YesWeSure)
- YesWeSure: What is medical payments coverage? (YesWeSure)
- YesWeSure: How to choose coverage limits (YesWeSure)
- YesWeSure: How insurers calculate rates (YesWeSure)
Every claim on this page traces to a source listed above. Every legal number traces to a Nebraska primary source: Neb. Rev. Stat. §§ 44-6408, 60-310, 60-3,163. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .