Insurance requirements for registering a car in Nebraska

Content

Permissible types of financial responsibility
proof of insurance
Nebraska Auto Insurance Plan
Penalties for Violation

The State of Nebraska requires drivers to have liability or "financial liability" insurance on all state-registered vehicles, except for the following types:

Trailers
Snowmobiles
Boats
Cars with dealer numbers
Campers.

Nebraska's minimum financial liability requirements for drivers are as follows:

Minimum $25,000 per person for personal injury or death. This means you need to have at least $50,000 with you to cover the fewest possible number of people involved in an accident (two drivers).
$25,000 minimum for property damage liability

This means that the total minimum financial liability you will require is $75,000 for bodily injury and property damage.

Permissible types of financial responsibility

Most drivers in Nebraska choose to insure their liability through an authorized insurance company. However, there are other acceptable methods of proving financial responsibility. Accepted financial responsibilities in Nebraska include:

Insurance certificate issued by an authorized insurance company
A bond issued by an authorized surety company
Ownership bond
Certificate of deposit for money or securities
Self-insurance certificate issued by the Nebraska Department of Motor Vehicles.

proof of insurance

Drivers from Nebraska are required to show the police officer proof of insurance in the event of a traffic stop or at the scene of an accident. You must also provide this information when registering the vehicle. Any evidence of financial liability listed above is acceptable proof of insurance. An insurance card from an authorized insurance company is also acceptable.

To register your vehicle, the insurance certificate cannot be submitted as a photocopy and must contain the following information:

Name of authorized insurance company
Names of the insured in the insurance plan
Insurance policy number
Year of manufacture, make and model of the insured vehicle
Last three digits of the vehicle identification number if the vehicle model is not specified
Validity and expiry dates of the insurance policy

Nebraska Auto Insurance Plan

Insurance companies in Nebraska have the right to deny coverage to drivers they consider to be at high risk. These are usually drivers who have been involved in accidents or traffic violations repeatedly over a period of time. In this case, the state supports the Nebraska auto insurance program to ensure that all drivers have access to the required legal liability insurance. Under this plan, you can apply for insurance through any authorized insurance company.

Penalties for Violation

If you do not provide proof of insurance to a Nebraska law enforcement officer or do not have insurance, you may face several types of fines, including: