Affordable Nebraska car insurance that puts you first
Root rewards Nebraska drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Nebraska auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Nebraska auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Cornhusker State
Nebraska’s open highways make it easy to appreciate just how much road fits between Omaha and the western edge of the state. Lincoln, Grand Island, Kearney, and Scottsbluff show how much the Good Life extends beyond its largest city.
Omaha to Lincoln: I-80 connects Nebraska’s two largest cities before continuing west through Grand Island, Kearney and North Platte.
Off the interstate: Drivers can trade highway lanes for Sandhills scenery, Chimney Rock, and routes following the Platte River.
Plan the miles ahead: The Nebraska Department of Transportation provides road and transportation information for drivers across the state.
From Omaha to Lincoln and beyond: Explore Nebraska car insurance from Root.
Nebraska's minimum auto insurance requirements
To legally operate a vehicle in Nebraska, you must carry Liability insurance and Uninsured/Underinsured Motorist Coverage. If you are found driving without these coverages, you may face fines and suspension of your vehicle registration.
The minimum coverage amounts required for drivers in Nebraska are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist coverage (UM/UIM)
$25,000 bodily injury per person
$50,000 bodily injury per accident (multiple people injured)
Types of Nebraska auto insurance we offer
Explore our Nebraska car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Nebraska?
The average Nebraska driver pays $2,095 per year for full coverage car insurance [2].
Root customers looking to purchase Nebraska car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Nebraska Auto Insurance FAQs
What is the minimum car insurance required in Nebraska?
To legally operate a vehicle in Nebraska, you must carry liability insurance and uninsured/underinsured motorist coverage.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance and uninsured/underinsured motorist coverage are the only coverages you are legally required to select when purchasing auto insurance in Nebraska.
Is it legal to drive without insurance in Nebraska?
No, you cannot legally drive without auto insurance in Nebraska. State law requires every driver and vehicle owner to maintain continuous liability insurance and uninsured/underinsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Nebraska?
Yes. Nebraska requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Nebraska?
The easiest ways to save on your Nebraska car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Cornhusker State.
Is Nebraska a no-fault car insurance state?
No, Nebraska is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Nebraska?
Nebraska law does not require drivers to carry collision coverage. The state only requires minimum liability insurance and uninsured/underinsured motorist coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Nebraska?
Yes, Nebraska requires drivers to carry uninsured/underinsured motorist coverage. It helps pay for injuries (and, depending on your policy, vehicle damage) when the at-fault driver has no insurance or not enough coverage. You can review your uninsured/underinsured motorist coverage options, including higher limits, in our app.
Does Root offer full coverage car insurance in Nebraska?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining Liability (Bodily Injury and Property Damage), Collision, and Comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Nebraska?
High-risk Nebraska drivers may be ordered by a court or the Nebraska DMV to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
What happens if I'm partly at fault for an accident in Nebraska?
Nebraska uses a modified comparative negligence rule with a 50% bar. You can recover damages only if you're less at fault than the other driver, and your compensation is reduced by your share of fault. If you're found 50% or more at fault, you can't recover damages.
Helpful resources for Nebraska drivers
Nebraska Department of Insurance
The Nebraska Department of Insurance regulates insurance in the state and helps consumers with insurance questions and complaints.
Nebraska Department of Motor Vehicles
The Nebraska DMV issues driver's licenses and ID cards, manages vehicle titles and registrations, and maintains driving records.
Nebraska Department of Transportation
NDOT maintains Nebraska's highways and shares travel information.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Nebraska Department of Insurance. Importance of Auto Insurance and Types of Coverage.
Insure.com. Annual average rates were compiled in 2026.