Frequently Asked Questions

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Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?
New residents in Nebraska must apply for car insurance policies issued by insurance companies authorized to do business in Nebraska. However, you should not cancel your previous car insurance until you get car insurance in Nebraska.

For more information: Nebraska Auto Insurance – Get a Quote and Save

Do I need to cancel my insurance if I am moving to another state?
Nebraska residents moving out of state should cancel their car insurance only after they have applied for insurance in the new state they are in. Most states have car insurance requirements. Contact the DMV of the state you are moving to for minimum liability requirements.

For more information: Nebraska Auto Insurance – Get a Quote and Save

How can I avoid a license suspension if I choose not to insure my vehicle?
There are certain options for Nebraska residents who do not want to get typical car insurance. Options include:
  • Certificate of Deposit: issued by State Treasurer after vehicle owner has deposited $75,000 in cash or securities with the State Treasurer s office
  • Self-Insurance: must have a minimum of 26 vehicles registered to your name

For more information: Nebraska Auto Insurance – Get a Quote and Save

If I have been in an accident, what property damage do I have to report?
Car accidents in Nebraska that must be reported include the following:
  • Accidents resulting in an injury or death
  • Accidents resulting in over $1,000 in damage

Individuals that have been in accidents that fit into one or both of these categories must file a Driver s Motor Vehicle Accident Report with the Nebraska Department of Roads.

For more information: Nebraska Auto Insurance – Get a Quote and Save

If I live outside of the state for half the year, am I still required to have car insurance?
Nebraska residents must possess proof of financial responsibility for all vehicles they own that are registered in Nebraska. Vehicles that are exempt include:
  • All trailers
  • Snowmobiles
  • Boats
  • Vehicles owned by dealers
  • Campers on the back of trucks

For more information: Nebraska Auto Insurance – Get a Quote and Save

What is the minimum liability insurance coverage?
Getting car insurance in Nebraska is a requirement. Nebraska s DMV sets the minimum liability insurance for cars operated in the state as the following:
  • $25,000 for bodily injury, per person
  • $50,000 for total bodily injury if multiple people are hurt
  • $25,000 for property damage

To learn how to get car insurance and view a range of competitive car insurance quotes, visit the car insurance page.

For more information: Nebraska Auto Insurance – Get a Quote and Save

What proof of insurance can I provide when registering my car?
There are various methods of proving you have insurance for cars you own to the Nebraska DMV. Documentation includes:
  • Certificate of Insurance: issued by your insurance company
  • Bond: issued by an authorized surety company, conditioned for the payment of up to $75,000 and filed with the Nebraska DMV
  • Property Bond: conditioned for the payment of up to $75,000 with at least two individual sureties who each own real estate within Nebraska
  • Certificate of Deposit: issued by State Treasurer after vehicle owner has deposited $75,000 in cash or securities with the State Treasurer s office
  • Self-Insurance: must have a minimum of 26 vehicles registered to your name

For more information: Nebraska Auto Insurance – Get a Quote and Save

What type of car insurance am I required to have?
Drivers in Nebraska are required to have liability car insurance on all vehicles they own. Additionally, voluntary coverage options available in the state include the following:
  • Collision
  • Comprehensive
  • Medical payments
  • Uninsured motorist

For more information: Nebraska Auto Insurance – Get a Quote and Save

What will happen if I fail to get or keep car insurance?
Nebraska residents who own and operate vehicles must always have proof of insurance with their car. Residents found to be driving without insurance can face the following penalties:
  • Fines
  • License suspensions
  • License revocations
  • Points to your driving record

For more information: Nebraska Auto Insurance – Get a Quote and Save

Which types of vehicles need to be insured?
All residents who own vehicles registered in Nebraska are required to get car insurance for those vehicles. Vehicles exempt from insurance requirements include:
  • All trailers
  • Snowmobiles
  • Boats
  • Vehicles with dealer plates
  • Campers on the back of trucks

Before youapply for car insurancein Nebraska, research the various physical and online car insurance policies.

For more information: Nebraska Auto Insurance – Get a Quote and Save