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Nebraska Auto Insurance

Each state requires motorists to carry certain types of auto insurance. In Nebraska, drivers must have coverage that includes bodily injury and property damage liability along with uninsured/underinsured motorist protection.

The two liability coverages kick in if you're found to be at fault in a collision. Bodily injury liability covers medical expenses in the event that another party is injured as a result of a wreck you caused. Property damage liability pays for damage you cause to another person's vehicle or other property if you hit them. Both liability protections only cover costs up to your policy's maximum limits. If expenses go beyond those maximums, you'll have to pay the remainder out of pocket, which is why it's often wise to purchase a policy that exceeds the state-required coverages.

In the Cornhusker state, the minimum liability stipulations are:


  1. $25,000 bodily injury coverage per person
  2. $50,000 total injury coverage per incident
  3. $25,000 coverage for property damage

Nebraska also requires drivers to have uninsured/underinsured motorist protection, which can pay to correct property damage in the event that you're hit by a driver who either doesn't have insurance or doesn't have enough of it.

To better protect yourself when you're on the road, you should consider going above the state-required minimum coverages.

You should also consider other types of protection that aren't mandated by the state (though your lender may require them as a condition of your car loan). These include comprehensive and collision coverage. Comprehensive coverage steps in if your car is damaged by fire, vandals or flooding, among other perils. Collision helps repair your vehicle if you're at fault in a wreck.

Prepare yourself for the unexpected by speaking with a representative to find out which coverage best fits your needs.

Car insurance discounts for Nebraska motorists

Though every discount isn't offered by every provider, Nebraskans may qualify for the following:

  • Good student discount.
  • Multi-car discount.
  • Homeowner discount.
  • Multi-policy discount.
  • Claim-free discount.
  • Safety features discount.

Call a agent today to get an auto insurance quote!

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