Nebraska Auto Insurance for First-Time Drivers

Bodily injury liability pays for medical bills, lost wages, and legal costs when you injure someone in an accident you cause. Nebraska's tort system allows injured parties to sue you directly for amounts beyond your policy limits.

Property damage liability covers repair costs when you damage another vehicle, fence, building, or structure. Nebraska does not require you to carry collision coverage for your own vehicle, but your liability coverage is mandatory regardless of your car's value.

Uninsured motorist coverage protects you when you're hit by a driver with no insurance or insufficient coverage to pay your bills. Nebraska requires insurers to offer this coverage at the same limits as your liability policy, but you can decline it in writing.

Collision coverage pays to repair or replace your own vehicle after an accident, regardless of who caused it. Nebraska does not require this coverage, but lenders and leasing companies do if you finance or lease your car. If you own your car outright, collision is optional — but without it, you pay out-of-pocket to fix your vehicle after any accident, even minor fender-benders in parking lots.

Comprehensive coverage pays for damage to your car from events other than collisions — hail, theft, vandalism, hitting a deer, or flood damage. Nebraska ranks in the top 10 states for deer-vehicle collisions, with over 2,500 reported annually, and severe thunderstorms produce hail damage across the state every spring. Like collision, comprehensive is not required by the state but is typically mandated by lenders if you finance your vehicle.