Fair auto insurance in Nebraska
From Lincoln to Valentine, Ogallala to Grand Island, and all the way to Omaha, good drivers in Nebraska can get the cheap car insurance rates they deserve. In fact, good drivers could save hundreds. Download our easy-to-use app and see if your safe driving can save you money on quality coverage.
How it works
Car insurance rates are traditionally based on demographics—things like age, credit score, and ZIP code. But Root is a different kind of insurance company. We base rates primarily on how you drive, not who you are. It’s the fair way to price auto insurance.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for car insurance in Nebraska
What are the minimum auto insurance requirements in Nebraska?
To legally operate a vehicle in Nebraska, you must carry Liability insurance and Uninsured/Underinsured Motorist coverage. If you are found driving without these coverage, you may face fines and suspension of your vehicle registration.
Liability coverage
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.
Minimum required Liability coverage in Nebraska:
$25,000 Bodily Injury (per person)
$50,000 Bodily Injury (per accident – multiple people injured)
$25,000 Property Damage
You can select higher limits if you’d like more coverage.
Uninsured/Underinsured Motorist Coverage (UM/UIM)
Uninsured Motorist and Underinsured Motorist coverages are both required coverages. They pay for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. You’re also covered if you’re in an accident with a driver whose car insurance is insufficient or is considered underinsured.
Minimum required Uninsured Motorist and Underinsured Motorist coverage in Nebraska:
$25,000 Bodily Injury (per person)
$50,000 Bodily Injury (per accident – multiple people injured)
You can always opt for higher limits if you want more coverage.
What is SR-22 insurance?
SR-22 insurance is a liability document for high-risk insurance policies. It’s proof of responsibility and a guarantee that you’ll be insured for a certain period of time. If you decide to cancel your coverage or it lapses for any reason, your insurance company is required to notify the Nebraska Department of Motor Vehicles. You can easily request an SR-22 in the Root app.
What other coverages does Root offer?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
(included with every Root policy)
What is the average cost of car insurance in Nebraska?
The average Nebraskan pays $1,365 [1] per year for their auto policy, but many drivers pay a lot more. Bad drivers often drive up prices for good drivers. Root doesn’t insure bad drivers, so Root customers could save up to $900 a year—all while enjoying fair and simple car insurance.
Start saving on Nebraska auto insurance
Get a car insurance quote based primarily on how you drive. You could save hundreds.