Nebraska Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by liability insurance. The Minimum amount of liability coverage required by the state of Nebraska is $25,000 for injury, $50,000 for all injuries, and $25,000 in property damage. Commonly referred to as 25/50/25 coverage.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer
  • Permanent Insurance Card
  • Policy Declaration Page
  • The actual liability insurance policy issued for the vehicle
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage
All proof must be an original document, no photocopies are acceptable.

If a driver fails to provide proof of insurance during a traffic stop, or at the scene of an accident, their license will be suspended until the nebraska DMV receives proof of valid, qualified insurance.

DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained. After five years time, a traffic conviction loses its‘ point value for suspension purposes. However, it will stay on your permanent driving record and may effect your insurance rates.

Below is a list of violations and their corresponding point values:


Business & Residential District

  • 1 thru 5 MPH – 1 Point
  • Over 5 thru 10 MPH – 2 Points
  • Over 10 MPH – 3 Points
  • Over 35 MPH – 4 Points

County Roads / State Highways

  • 1 thru 10 MPH – 1 Point
  • Over 10 thru 15 MPH – 2 Points
  • Over 15 MPH – 3 Points
  • Over 35 MPH – 4 Points

Interstate Highway

  • 1 thru 10 MPH – 1 Point
  • Over 10 thru 15 MPH – 2 Points
  • Over 15 MPH – 3 Points
  • Over 35 MPH – 4 Points

Additional violations/infractions:

  • Motor Vehicle Homicide – 12 Points
  • Driving Under the Influence – 3rd Offense or Subsequent Offense** – 12 Points
  • Failure to render aid in accident you are involved in – 6 Points
  • Driving Under the Influence – 1st and 2nd Offense – 6 Points
  • Willful reckless driving (deliberate & intentional) – 6 Points
  • Reckless driving (rash, heedless, dangerous) – 5 Points
  • Careless driving (inattentive, forgetful, inconsiderate) – 4 Points
  • Leave the scene of an accident – 6 Points
  • Failure to yield to a pedestrian with bodily injury to the pedestrian – 4 Points
  • Negligent driving (indifferent, offhand, neglectful) – 3 Points
  • Failure to yield to a pedestrian with no bodily injury to pedestrian – 2 Points
  • Failure to submit to an alcohol content test – 1 Point
  • Most other Violations – 1 point
When a driver accumulates 12 points within a 2 year period, their license will be revoked for 6 months for first offenders. If an additional point revocation occurs within 5 years, the revocation period is 3 years. Out of state violations ARE counted towards your nebraska point total.

Disclaimer is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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