Nebraska drivers pay around $2,402 a year for full coverage — about 11% under the national average. The state is at-fault but mandates uninsured/underinsured motorist coverage on top of a 25/50/25 liability minimum. Here's the coverage you must carry, what Nebraskans pay, and how to find a cheaper rate.
Nebraska runs on an at-fault (tort) basis but mandates uninsured/underinsured motorist coverage alongside its 25/50/25 liability minimum. Full coverage averages roughly $2,402 a year, about 11% under the national average, with hail and tornado exposure as the main driver of comprehensive claims. Credit history is a permitted rating factor, and Omaha and Lincoln rates run above the statewide figure.
The coverages below are the minimum a driver must legally carry in Nebraska. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $25k | Mandatory |
| Uninsured / underinsured motorist | $25k / $50k | Compulsory in Nebraska |
| Personal injury protection | Not required | Nebraska follows an at-fault model |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,402/yr | 11% below U.S. | Comprehensive and collision included |
| Minimum coverage | $524/yr | 38% below U.S. | Bundles the required UM/UIM |
Estimates apply national rate-increase multipliers to Nebraska's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,402/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,435/yr | +43% | 2,402 × 1.43 per Bankrate |
| Speeding ticket | ~$2,978/yr | +24% | 2,402 × 1.24 per Bankrate |
| DUI on record | ~$4,516/yr | +88% | 2,402 × 1.88 per Bankrate |
| Young driver (18–24) | ~$4,804/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$4,083/yr | +70% | 2,402 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Nebraska's below-average pricing gets a lift from required UM/UIM that adds protection at modest cost. Severe-weather risk — hail above all — makes comprehensive coverage worthwhile. With credit and ZIP code driving differences between carriers, comparison shopping is the most reliable way to lock in Nebraska's lower baseline.
Nebraska is a below-average-cost state with required UM/UIM built into the minimum. Weighing carriers and keeping your credit healthy is the best way to secure a competitive Nebraska rate.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Nebraska are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Nebraska insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.