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.
What we verified for this page
- Strong25/50/25 minimum liability under Neb. Rev. Stat. § 60-310 verified against the statute.
- StrongNebraska is a traditional tort state (no PIP) verified against the Nebraska DOI consumer guide. Consistent with the frozen YesWeSure medical-payments guide; no conflict.
- StrongUM/UIM compulsory at 25/50 under Neb. Rev. Stat. § 44-6408 verified against the statute. UM/UIM is compulsory, not merely must-offer.
- StrongNebraska DMV insurance verification under Neb. Rev. Stat. § 60-3,163 verified against the statute and the Nebraska DMV consumer page.
- LimitedDeliberately omitted from V1. A Nebraska modeled cost anchor; carrier-specific NE underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Nebraska-licensed reviewer is tracked as a pre-launch YMYL item.
Ready to compare Nebraska quotes at or above the compulsory limits?
Compare Nebraska car insurance quotesYesWeSure may receive compensation when readers use quote-comparison links. Compensation does not influence the statutory or regulatory information on this page or the sources cited above. See our advertiser disclosure and editorial standards.
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, TIER 1)
- Neb. Rev. Stat. § 44-6408: Uninsured and Underinsured Motorist coverage compulsory at 25/50. (Nebraska Legislature, TIER 1)
- Neb. Rev. Stat. § 60-3,163: driver license suspension for operation without compulsory motor vehicle insurance; SR-22 filing for reinstatement. (Nebraska Legislature, TIER 1)
- Nebraska Department of Insurance: Automobile Insurance consumer page. (Nebraska Department of Insurance, TIER 1)
- Nebraska Department of Motor Vehicles: Insurance Requirements consumer page. (Nebraska Department of Motor Vehicles, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Nebraska Revised Statutes, Nebraska Department of Insurance, Nebraska DMV). 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 .