Buy Cheap Nebraska Auto Insurance in 2025
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$25,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Nebraska Auto Insurance in 2025
Explained
Hand-Held Cell Phone Ban:
No
No ban in Nebraska.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers under the age of 18 with a Learner or Intermediate License cannot use a cell phone at all while driving.
Texting Ban:
Yes
In Nebraska, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Nebraska Auto Insurance in 2025
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.15
There's an increased penalty for drivers with a BAC of 0.15 or above.
1st offense Suspension:
90 days
Administrative license suspension on the 1st offense: In Nebraska, law enforcers can confiscate a first-time offender's driver's license for 90 days if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted after 30 days.
Ignition Interlocks:
Mandatory for all offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Nebraska made the installation of ignition interlocks mandatory for all offenders.
Repeat Offenders:
Yes
Minimum penalties for repeat offenders include suspension of driving privileges for no less than one year, impoundment or immobilization of any and all of the offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and a sentence of at least five days of imprisonment or 30 days of community service for a second-time offender. Third-time and further offenders can see at least ten days of imprisonment or 60 days of community service.
Open Container Law:
Yes
No driver or passenger can have any bottle, can, or other receptacle containing any alcoholic beverage that has been opened or unsealed in his or her possession. Open containers must be stored in a vehicle's trunk.
Graduated Drivers License
Buy Cheap Nebraska Auto Insurance in 2025
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period of time lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving, 10 of which need to be at night. If a new driver takes drivers education, then there are zero required supervised driving hours.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: Midnight-6am
Passenger Restriction: No more than 1 passenger under 19 (first 6 months)
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of midnight and 6am and cannot drive with with more than one passenger under the age of 19 for the first six months.
Full Privilege Age:
Age: 17
(Full driver's license): At the age of 17, Nebraska drivers can now get a standard driver's license without any restrictions. At 16 and 6 months, the passenger restrictions end.
Speed Limit
Rural Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
75
MPH
Urban Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
65
MPH
Other Limited Access Roads:
SPEED LIMIT
65
MPH
SPEED LIMIT
65 MPH
Page Source: ghsa.org
Buy Cheap Nebraska Auto Insurance in 2025
Department of Insurance
Website: doi.nebraska.gov/
Address: 941 'O' Street, # 400, Lincoln, Nebraska 68508-3690
Phone: 402-471-2201
Buy Cheap Nebraska Auto Insurance in 2025
DMV Information
Website: www.dmv.nebraska.gov/
Phone: 402-471-3861
Call Center Hours:
8:00-5:00 CDT (Mon-Fri)