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Nebraska Insurance Information

Nebraska is a state with a colorful past and was part of the famous Oregon Trail. Truly an interesting destination for any history buff, there are plenty of places to drive to and see. Nebraska once held the largest ammunition plant during World War II, supplying 40% of the ammo for the war. Another aspect it leads in is the largest indoor rain forest, which is located at the Omaha Zoo. It has more miles of river than all other states in the United States and even has the country's largest underground water supply, which is the Ogalala Aquifer. For residents or visitors, there are plenty of interesting things to do, but nearly every attraction requires driving. Some may require further drives, as they are located in odd places along Interstate 80. Pioneer Village is one of these oddly-placed attractions, featuring museums, stores, churches and even an old steam carousel from the earlier days of America. There are also many state parks to drive to. Rivers, lakes and campgrounds make fun weekend getaways.

Having good Nebraska car insurance is important. While the minimum insurance may cover legal obligations, there are several other types of insurance that are beneficial to have in this state. Nebraska's winters are very cold and usually there is snow during at least 7 months out of the year. Having a good policy that covers accidents, towing and weather damage is important. There are hundreds of auto accidents each winter both in the cities and along highways outside of the cities, resulting from snow and ice. Nebraska cities use either sand or salt to help with traction. Both salt and sand will damage paint over time, especially when it isn't washed off promptly. When weather remains bad for long periods of time, this is unpreventable. Having insurance that will cover such issues is vital.

Nebraska auto insurance is also important for summer months. Severe thunderstorms, tornadoes and hail cause extensive damage to the bodies of thousands of cars each year in this state. Broken windshields are also seen often; windshields are expensive to replace. Having hail insurance, flood insurance and insurance to cover windshield damage is important. Another way that windshields are commonly broken or cracked is by rocks being thrown from large semi trucks. With Interstate 80 being a popular route for these large vehicles, it is vital to have a special policy for windshield damage. Find Nebraska auto insurance quotes for free on this page. Select the option from the drop-down menu to receive fast Nebraska car insurance quotes now.

Nebraska Population Data At-a-Glance

1,842,641 total population
36 average citizen age
99 males per 100 females
2 number of cities with > 100,000 residents
Omaha largest city in the state

Vital Nebraska Insurance Facts

Possessing a robust understanding of your state insurance details and information will help you manage and customize your policy. Welcome a peace of mind by assuring you have crucial coverage and conform to basic requirements such as your state minimum coverage.

Average Annual Nebraska Insurance Premium Payment


About $100.33/Month. Nebraska ranks as the 31st most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 147,411 Uninsured Drivers in the State of Nebraska

NE Licensing Rules & Regulations

Every state is unique in regards to licensing standards and regulations. Determine whether you are complying with the laws to avoid fines and additional penalties. Infractions such as driving an unregistered vehicle can bring serious repercussions.

Learner's Permit

15 Years

Unrestricted License

17 Years

Renewal Frequency

5 Years

Safety Requirements, Handheld Devices in Nebraska

Accountable policyholders should attempt to conform to all safety requirements. The regulations concerning cell phone usage and text-messaging are different among particular states. Make sure you are aware of the rules and laws of the community in which you are driving.

Seatbelt Offenses


Motorcycle Helmets

All Ages

Handhelds Banned?


Text-Messaging Banned?


Nebraska Impaired Driving Laws

Impaired driving laws, such as DUI laws, vary greatly between each state. Although it is important to never drink and drive, understanding the impaired driving limits can help you make intelligent decisions before driving a motor vehicle.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

6 Days

Maximum Jail Sentence

60 Days

SR-22 Required?


Open Container Law