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The state of Nebraska requires a minimum coverage of $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of more than one person, and $25,000 for property damage. This is commonly referred to as “25/50/25” coverage. While these are the bare minimum amount of coverage you need to lawfully operate a vehicle in the state of Nebraska, you may want to consider more extensive coverage. As bills and expenses can be extremely expensive after an accident, it is important to understand what amount of coverage is right for your budget. Most experts recommend coverage of at least $100,000 per person and $300,000 for all persons in an accident.

The state of Nebraska follows a tort system, meaning that one person must be found at fault for every accident. As a result, the individual at fault and his/her insurance company are responsible for all property and injury expenses.

An additional coverage that may be obtained is Uninsured/Underinsured motorist covered. This covers you in the event that an uninsured or an underinsured motorist is at fault, which may not be covered in an ordinary auto insurance plan. The state of Nebraska does not require this type of coverage to operate a vehicle, but it is something to consider when choosing your auto insurance coverage.

Our customers from Omaha, Lincoln, Bellevue, Grand Island, Kearney, Fremont, Hastings, North Platte, Norfolk, and many other great cities throughout Nebraska use our services to find the most affordable Nebraska auto insurance. Our vast network of insurance agents and brokers can answer any questions you have, and find the right automotive insurance coverage within your budget.