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Nebraska Minimum Car Insurance and Penalties for Driving Without It
The short answer
Nebraska requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: UM/UIM 25/50.
Nebraska at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | Uninsured and underinsured motorist coverage are both required, each at $25,000 per person and $50,000 per accident. |
| First offense for driving uninsured | An owner who lets the vehicle be driven without insurance commits a Class II misdemeanor, with up to six months in jail, a fine of up to $1,000, or both. On conviction, the DMV suspends the license, registration and plates until the owner complies, and the owner must keep proof of financial responsibility (normally an SR-22) on file for three years from the date of the citation. |
| Repeat offense | Not confirmed on a state source; ask the agency |
| Fee to restore after a lapse | $50 reinstatement fee after a No Proof of Insurance conviction ($3 more when paid online by card); there is no cost if you show coverage existed when the citation was issued. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Nebraska?
Nebraska requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: UM/UIM 25/50.
What happens if you drive without insurance in Nebraska?
An owner who lets the vehicle be driven without insurance commits a Class II misdemeanor, with up to six months in jail, a fine of up to $1,000, or both. On conviction, the DMV suspends the license, registration and plates until the owner complies, and the owner must keep proof of financial responsibility (normally an SR-22) on file for three years from the date of the citation.