State guide
Insurance in Nebraska
Required coverage, penalties, official contacts and sources for Nebraska, reviewed 2026-10.
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Car insurance
What Nebraska requires.
Liability minimum 25/50/25 plus uninsured/underinsured motorist coverage. Claims system: fault-based claims.
| Coverage | Requirement in Nebraska |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Required. The Department of Insurance page lists uninsured/underinsured motorist limits of $25,000 per person and $25,000 per accident, while other sources list $25,000 / $50,000. Confirm the limits with the Department |
Required coverage
- Bodily injury: $25,000 for one person and $50,000 for two or more people in any one accident (Neb. Rev. Stat. 60-534)
- Property damage: $25,000 in any one accident
- Uninsured/underinsured motorist coverage, which the Department lists among Nebraska's required coverages
- Proof of financial responsibility or evidence of insurance with a registration application (Neb. Rev. Stat. 60-387)
Other coverage commonly available
- Collision
- Comprehensive
- Higher liability and uninsured/underinsured limits
If you drive without required coverage
According to the Nebraska DMV, if you could not produce proof of insurance when a law enforcement officer asked and you were not insured on the date of the citation, you must file proof of financial responsibility, normally an SR-22 for each vehicle registered in your name. It stays on file with the DMV for three years from the citation date. DMV phone: 402-471-3985.
Notices
What to know in Nebraska.
- The Department of Insurance says driving without insurance could lead to fines and could result in your vehicle being impounded.
- If you were insured when you were cited for no proof of insurance, your insurance company can send the DMV a letter of verification that states you were covered on the date of the citation.
- The DMV maintains a motor vehicle insurance database used to check coverage for registration (Neb. Rev. Stat. 60-387).
- If you have a car loan, most lenders require insurance, and this may include collision and comprehensive coverage.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Nebraska Department of Insurance
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Nebraska Department of Insurance is the state authority for questions about insurers, agents and complaints.
Health insurance
HealthCare.gov
HealthCare.gov (federal marketplace)
- Nebraska is not on HealthInsurance.org's list of state-run or state-based marketplaces for the 2026 plan year, so residents use HealthCare.gov.
- Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.
Contacts
Who to contact.
- Nebraska Department of Insurance
- Website: doi.nebraska.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
- Nebraska Department of Insurance: Auto insurance and types of coverage
- Nebraska Revised Statute 60-534: Policy; contents; limits
- Nebraska DMV: No proof of insurance conviction
- Nebraska DMV: Insurance database
- HealthInsurance.org: What type of health insurance exchange does my state have? (2026 plan year)
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