Nebraska Insurance Requirements & Rates

Nebraska requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage). Nebraska is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is required.

Nebraska homeowners face risks from tornadoes, hail storms, severe thunderstorms, flooding. The flood risk level is moderate and earthquake risk is low. Separate wind/hail deductible common in tornado-prone areas. The average annual home insurance premium is $4,635.

Nebraska requires all motorcycle riders to wear helmets. Lane splitting is not legal. The riding season is april–october.

Yes, workers' compensation insurance is required in Nebraska. Sole proprietors and partners may opt out. Nebraska has approximately 200,000 small businesses, with top industries including Agriculture, Insurance, Transportation & Logistics.

Yes, Nebraska has expanded Medicaid. The state uses the federal marketplace at healthcare.gov. The uninsured rate is 8.8%.

Yes, landlords in Nebraska can require tenants to carry renters insurance as a condition of the lease. About 34% of Nebraska residents are renters, with average monthly rent of $925.

With a median household income of $66,644, most Nebraska families should consider 10-12x their annual income in life insurance coverage. Currently, 56% of Nebraska households have life insurance.