The Complete Guide to Nebraska Car Insurance
Lemonade is on the way to the Cornhusker State and we’ll let you know as soon as we arrive! In the meantime, we’ll help you navigate all things NE car insurance like rates, requirements, and throw in smart shopping tips.
How much does car insurance cost in Nebraska?
Car insurance in Nebraska averages $193/month for full coverage, but your actual rate depends on where you live, what you drive, and your driving record.
Here’s what drivers pay in major cities:
| City | Average cost of car insurance |
|---|---|
| Omaha | $211 |
| Lincoln | $183 |
| Bellevue | $193 |
| Grand Island | $185 |
| Kearney | $180 |
Source: ValuePenguin
Why is car insurance so low in Nebraska?
Nebraska drivers face unique risks that drive insurance costs
Uninsured drivers
9.3% of drivers in Nebraska are uninsured vs. 13% nationally, lowering costs for everyone else.
Car theft
FBI data shows there were 4,910 reported motor vehicle thefts in 2024 in NE, up 5% from the previous year.
Natural disasters
NE has a relatively low FEMA disaster rating of 39, lowering comprehensive coverage costs, though tornado and inland flooding are still threats.
What car insurance do I need in Nebraska?
All Nebraska drivers must carry minimum insurance coverage to legally drive.
Here’s what the state requires:
| Required minimum coverages for Nebraska drivers | Minimum amount required | What’s covered | What’s not covered |
|---|---|---|---|
| Bodily injury liability | $25,000 (per person) $50,000 (per accident) | Medical bills, lost wages, and other costs when you hurt someone else in an accident | Your own injuries, damage to your car, amounts above your policy limits |
| Property damage liability | $25,000 | Damage you cause to other people’s cars, fences, buildings, and property | Damage to your own car, your own property, amounts above your policy limits |
| Uninsured/Underinsured Motorist Bodily Injury | $25,000 (per person) $50,000 (per accident) | Your injuries caused by drivers with no insurance OR not enough insurance | Car damage, amounts above your limits |
What additional car insurance coverages are offered in Nebraska?
Beyond state minimums, these optional coverages provide
extra protection for Nebraska drivers
Collision coverage
Pays to repair or replace your car if it's damaged in an accident with another vehicle or object like a fence or guardrail.
Read moreComprehensive coverage
Covers damage to your car from non-collision events like theft, vandalism, hail storms, flooding, or hitting an animal.
Read moreRental car reimbursement
Pays to cover alternative transportation while your car's being repaird. Specific coverage varies by insurer
Read moreWhat does (and doesn’t) car insurance cover in Nebraska?
Car insurance protects you financially in many situations, but it does not cover everything.
- Vandalism
- Fire damage
- Weather damage
- Theft
- Injuries to other people
- Damage to property
- Damage from a collision
- Fender benders
- Rental car reimbursement
- Towing
- Roadside assistance
- Windshield damage
Your insurance won’t cover oil changes, engine problems, stolen personal items like your purse, or damage from field trail riding
How much car insurance do I need in Nebraska?
You need enough coverage to protect yourself financially when accidents happen. If your car needed major repairs, could you afford these local Nebraska labor rates? Keep in mind, parts and materials cost extra.
| City | Body repair | Frame repair | Mechanical repair | Paint repair |
|---|---|---|---|---|
| Lincoln | $83 | $107 | $153 | $83 |
| Omaha | $83 | $107 | $153 | $83 |
| Bellevue | $83 | $107 | $153 | $83 |
| Fremont | $83 | $107 | $153 | $83 |
| Papillion | $83 | $107 | $153 | $83 |
Source: Caliber
What happens if I drive without insurance in Nebraska?
Nebraska takes uninsured driving seriously, and the penalties add up fast.
Fines
No standard fine specified, but you’ll pay $50 each for license and registration reinstatement.
Suspension
License and registration suspended unless you prove insurance within 10 days of traffic stop.
Jail time
Nebraska uses administrative penalties instead of jail time for insurance violations.
What do you need to get a car insurance quote in Nebraska?
You’ll need some basic information like your driver’s license number and your car’s VIN, but with the right details handy, getting quotes is quicker than your morning coffee run. Here’s your checklist:
Your Details
- Driver's license number
- Social Security number (for credit check)
Your Car
- VIN number (found on your dashboard or door frame)
- Current registration or title
Your History
- Any accidents or tickets from the past 5 years
- Current insurance company and policy number (if you have coverage)
Your Preferences
- How much coverage you want
- Deductible amount you're comfortable with
- Monthly budget range
How does car insurance work in Nebraska?
Think of car insurance as a financial safety net for when things go wrong on the road.
Pick your protection
Shop around and choose coverage that fits your budget.
Make payments
Keep up with monthly payments and you’re covered.
When S%!t happens
File a claim, pay your deductible, and your insurer covers the rest up to your limits.
Nebraska car insurance FAQs
Is Nebraska a no-fault state?
No, Nebraska isn’t a no-fault state. Nebraska uses at-fault auto insurance. If you’re injured, you can file claims against the at-fault driver’s insurance. PIP coverage is optional.
Do I need insurance to register a car in Nebraska?
Yes, Nebraska requires proof of insurance to register a car. You must carry minimum liability coverage. Insurance is verified electronically during registration — vehicles can’t remain registered without active coverage.
What are the top risks for driving in Nebraska?
Nebraska’s rural highways feature high-speed traffic mixed with slow agricultural equipment. Severe winter weather creates icy, dangerous conditions for months. The long distances between towns contribute to driver fatigue, while frequent wildlife crossings pose additional collision risks.
How long do I have to report an accident in Nebraska?
In Nebraska, accidents involving injury, death, or property damage of $1,000 or more must be reported to police immediately. If law enforcement doesn’t investigate, you must submit a report to the Nebraska Department of Transportation within 10 days. Insurance reporting should be done promptly.
What are the top safety tips for driving in Nebraska?
In Nebraska, watch for farm equipment and wildlife on country roads. Those long, straight highways can make you sleepy, so stop regularly. Slow down during winter storms. Keep a safe distance when it’s windy.
All coverage is subject to individual policy limits, terms, and conditions. Any hypothetical examples used in Lemonade editorial content are purely expositional.
*Uninusured driver rate sourced from ValuePenguin: https://www.valuepenguin.com/auto-insurance/uninsured-motorist-statistics sourced February, 2026
**Theft rate sourced from the FBI’s crime data explorer: https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/query sourced February, 2026
***Disaster risk rating sourced from FEMA’s Disaster Resilience Hub: https://resilience-fema.hub.arcgis.com/datasets/national-risk-index-states-expected-annual-loss/explore sourced February, 2026
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