The Cornhusker State

Get A Nebraska Auto Insurance Quote

Nebraska Auto Insurance Coverage

Known for its natural attractions and agriculture, there's a lot to explore when in Nebraska. But whether you're new in town or have deep roots in the Cornhusker State, it's important that you understand the auto insurance requirements in Nebraska.

Required Auto Insurance in Nebraska

Nebraska requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Nebraska requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $20,000 per accident.
  • Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident.

Nebraska Teen Driving Laws

Nebraska operates under a Graduated Drivers License (GDL) Law, which includes three stages: Learner's Permit, Provisional Operator's Permit, and Operator's License. 

  • Learner's Permit: At 15, Nebraska teens can apply for their learner's permit. With a learner's permit, teens must complete 50 hours of supervised driving, with 10 hours being at night.
  • Provisional Operator's Permit: At 16, teens may obtain a provisional operator's permit after completing their supervised driving requirements and holding their permit for 6 months. With this permit, teens are restricted from driving between midnight and 6:00 AM. 
  • Operator's License: At 17, teens who have held their provisional operator's permit for at least a year are eligible for an operator's license.

Please be aware of additional restrictions for teen drivers in Nebraska. 

Nebraska Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Nebraska. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage Options in Nebraska

No law in Nebraska states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Nebraska auto insurance quote online, or by calling (888) 772-4247.

Learn More About Nebraska

Green welcome to Nebraska road sign
About Nebraska

Nebraska became America's 37th state in 1867. Fun fact: the world's largest mammoth fossil was found in Lincoln County, Nebraska. It is currently on display at Morrill Hall in Nebraska.