Nebraska
Nebraska

Find out how much you can save on Nebraska car insurance.

Download the app. Take a test drive around the Cornhusker State. Get a free quote.

Why choose Root for your Nebraska auto insurance policy?

Fair and affordable car insurance has finally come to the Cornhusker State. Whether you’re driving the busy streets of Omaha or a wide-open stretch of I-80, we believe good drivers in Nebraska should be rewarded with lower rates. With Root, you can save up to $100/month.

What makes Root different from traditional insurers in Nebraska?

We base rates primarily on how you actually drive, not just your demographics—like age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy—all within the app. And because we don’t insure high-risk drivers, good driving Nebraskans can save up to 52%.

Root is disrupting the broken insurance system by bringing fairness, ease, and technology to customers across the state.

It’s a great time to be a good driver in Nebraska.

Because Nebraska is now an electronic proof of insurance state, you’ll always have legal proof of coverage on hand with the Root app, which is a lot easier than keeping track of that tiny piece of paper. Root’s competitive quotes and simple app prove that full coverage car insurance can be affordable and easy for the best drivers of Nebraska—from Lincoln to North Platte, Omaha to Grand Island, and in all corners of the state.

The worst 30% of drivers
cause 50% of accidents1
Bad drivers cause 50% of accidents

What are the minimum car insurance requirements in Nebraska?

Nebraska requires all drivers to have liability car insurance, the coverage that helps to pay for any bodily injuries or property damage that occur from a car accident you cause.

Minimum liability coverage Nebraska drivers must carry:

  • $25,000 for each injured person
  • $50,000 for injuries, per accident
  • $25,000 for property damage

Proof of insurance is required with your car at all times, which is easy with the Root app.

When you’re caught violating Nebraska car insurance laws, you are subject to:

  • Fines, which vary due to location
  • Possible suspension of your driver’s license
  • Possible license revocation
  • Assessment of violation points to your driving record

SR-22 filing

If your license has been suspended/revoked as a result of a court conviction, accumulation of points or lack of insurance, you must prove to the state of Nebraska that all vehicles you own are insured.

The only proof of insurance form that the Department of Motor Vehicles accepts is called an SR-22 filing. It’s your responsibility to notify your insurance company, as soon as possible, that you need an SR-22 filing. You or your insurance company will need to mail or personally deliver the SR-22 filing to the DMV office for review, unless the insurance company can electronically submit the filing. Good news! SR-22 filing is free with a Root policy.

What other coverages does Root offer?

  • Collision
  • Comprehensive
  • Medical Payments
  • Personal Injury Protection
  • Uninsured/Underinsured Motorist Bodily Injury (UM/UIM)
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

What is the average cost of car insurance in Nebraska?

Nebraska is the 40th most expensive state in the nation (lucky you!) and that means Nebraskans are paying relatively low annual premiums—an average of $1,112.2 But many people are paying much more than that, due to their bad driving counterparts. Root customers are saving up to $100/month, on average—all while enjoying simple, fair car insurance.

What our customers tell us

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Choosing your car insurance coverage just got easier.

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