Nebraska Car Insurance Minimum Requirements

Nebraska requires at least 25/50/25 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $25,000 for property damage.

Shorthand: 25/50/25
Those three numbers are the liability part only. A Nebraska policy must also carry uninsured and underinsured motorist coverage at 25/50 each, and the Uninsured and Underinsured Motorist Insurance Coverage Act gives the named insured no way to reject them. There is no personal injury protection requirement — Nebraska is a fault state.
Bodily injury — per person: $25,000
Bodily injury — per accident: $50,000
Property damage: $25,000
Uninsured / underinsured motorist: Both required at 25/50 — cannot be rejected
No policy on a vehicle principally garaged in Nebraska may be delivered, issued or renewed unless it covers both an uninsured and an underinsured motorist at $25,000 per person and $50,000 per accident. The act contains no rejection or waiver provision, so the floor cannot be signed away. Higher limits must be written on written request, but the insurer can be forced no higher than $100,000 per person and $300,000 per accident. Stacking is barred: however many policies apply, recovery cannot exceed the highest single limit.
Personal injury protection (PIP): Not required and not offered as a statutory coverage
Nebraska has no no-fault act and no PIP mandate. Medical payments coverage is sold here, but it is an optional contract term, not a coverage the statutes define or require. Guides that print a PIP figure for Nebraska are importing it from a neighboring no-fault state such as Kansas.

Property damage minimum — where Nebraska sits

Nebraska sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Nebraska compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Nebraska drivers actually spend. The average premium written per insured vehicle here was $356 in 2023, 41st highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Nebraska will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Nebraska?

Both required at 25/50 — cannot be rejected.

Is PIP required in Nebraska?

Not required and not offered as a statutory coverage.

Is full coverage required in Nebraska?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Nebraska law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Nebraska

Why the rule looks like this

More on Nebraska

Checked against the primary sources above on September 28, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.