Minimum car insurance in Nebraska.
What Nebraska requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Nebraska, the minimum liability limits are written 25/50/25 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Nebraska is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. UM/UIM required.
What the minimum means in practice
Say a crash you cause injures three people. The Nebraska minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Nebraska
Failure to maintain required financial responsibility is a Class II misdemeanor (Neb. Rev. Stat. 60-3,167), and on conviction the Department suspends the owner's license, registration and plates until the owner complies. The statute text read states no fine amount.
SR-22 and similar filings
Nebraska requires an SR-22 for three years from the citation date for a No Proof of Insurance violation, and the DMV reinstatement fee is $50; the original SR-22 must be mailed because it cannot be faxed.
Also worth knowing in Nebraska
If a new SR-22 has a certification effective date on or before the suspension date, the suspension is withdrawn, which can apply when a driver switches insurers.
Your state regulator
Nebraska Department of Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Nebraska a no-fault state?
Nebraska is generally an at-fault state.