Nebraska Minimum Car Insurance Requirements
Nebraska requires all drivers to carry liability insurance: minimum $25,000 for injury per person, $50,000 per accident, and $25,000 for property damage. This is among the lowest minimums in the US.
Driving without insurance in Nebraska can result in license suspension, fines up to $300, and vehicle registration suspension. Your vehicle can be impounded.
Proof of insurance must be carried in your vehicle at all times.
Can Immigrants Get a License in Nebraska?
Nebraska does NOT issue driver licenses to undocumented immigrants. You must have legal presence or valid visa status to qualify.
If you have legal status, bring your passport or visa, proof of Nebraska residency (utility bill, lease), Social Security number or ITIN, and pass a written and driving test.
Some immigrants use an ITIN (Individual Taxpayer Identification Number) from the IRS to file taxes. Learn more at https://www.irs.gov/individuals/individual-taxpayer-identification-number
If you cannot get a license, some Nebraska insurers still offer coverage with an ITIN and foreign passport. You must register your vehicle to get insurance.
Best Insurance Options for Immigrants in Nebraska
Major insurers like State Farm, Allstate, and Progressive accept ITIN numbers in Nebraska instead of Social Security numbers. Rates vary widely - get quotes from multiple companies.
Smaller insurers like Acceptance Insurance and Bristol West also work with ITIN holders. Do not pay cash agents who do not provide official documents.
Without a driver license, some companies will not insure you. Call ahead and ask: "Do you insure drivers with a foreign passport and ITIN?"
Insurance companies are NOT immigration enforcement. They do not report you to ICE. Your information is protected by federal privacy law.
Tips for Immigrant Drivers in Nebraska
Keep your insurance card, vehicle registration, and passport in your vehicle. If stopped by police, stay calm and polite. You have the right to remain silent about immigration status.
Nebraska has strong winter driving conditions. Make sure your insurance covers collision and comprehensive damage if you have a loan or lease on the vehicle.
Liability-only insurance does not cover your own vehicle damage in an accident you cause. Consider adding collision coverage for protection.
If you cannot get a Nebraska license, ask your insurer about non-owner policies (covers you if you rent or borrow cars).
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Per injured person |
| Bodily Injury (per accident) | $50,000 | Total per accident |
| Property Damage | $25,000 | Damage to others property |
| Uninsured Motorist (BI) | $25,000/$50,000 | Required in Nebraska |
| Uninsured Motorist (PD) | $25,000 | Required in Nebraska |
| Medical Payments (PIP) | Not required | Optional coverage available |
📋 Official Sources
Frequently Asked Questions
Tak. Ubezpieczyciele w Nebrasce akceptują ITIN zamiast SSN. Podaj ITIN podczas składania wniosku. Zaktualizuj polisę, gdy otrzymasz SSN.
Nie. Nebraska nie wydaje praw jazdy osobom bez pełnego statusu imigracyjnego. Sprawdź możliwości praw jazdy w innych stanach lub opcje transportu.
Nebraska wymaga: 25 tysięcy dolarów za obrażenia na osobę, 50 tysięcy za wypadek, 25 tysięcy za szkody majątkowe. To minimalne pokrycie odpowiedzialności.
State Farm, Allstate, GEICO i inne większe firmy akceptują ITIN. Niektóre specjalizują się w imigrantach. Uzyskaj wyceny od wielu firm, aby porównać.
Zagraniczna licencja może czasami działać przez 30-60 dni, ale musisz uzyskać licencję Nebraska. Ubezpieczyciele mogą wymagać licencji USA do pełnego ubezpieczenia.
