Nebraska Minimum Car Insurance Requirements
Nebraska requires all drivers to carry liability insurance with minimum limits of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage.
Driving without insurance in Nebraska can result in fines up to $300, license suspension, and registration hold. You must prove coverage when registering your vehicle.
Comprehensive and collision coverage are optional but recommended if you have a loan or lease.
Can Immigrants Get a License in Nebraska?
Nebraska does NOT issue driver licenses to undocumented immigrants. You must have proof of legal presence or lawful status to qualify.
Documented immigrants and visa holders can apply with a passport, visa, I-94, or employment authorization document (EAD). You also need proof of Nebraska residency and pass a written and driving test.
If you cannot get a license, some Nebraska insurers still offer coverage with an ITIN and ID from your home country. Call ahead to confirm.
Best Insurance Options for Immigrants in Nebraska
Major carriers like State Farm, GEICO, and Allstate operate in Nebraska and may accept ITIN instead of SSN. Always ask the agent directly: "Do you accept ITIN for policy holders?" before applying.
Smaller regional or specialty insurers sometimes have more flexible ID requirements. Get quotes from multiple companies because rates vary widely.
You can use an ITIN to build an insurance history even without a license. This helps you later when you get legal status.
Tips for Immigrant Drivers in Nebraska
Buying car insurance does NOT alert immigration authorities. Insurance companies are not immigration enforcement. Your policy information is protected under federal privacy law (Gramm-Leach-Bliley Act).
Keep your insurance card, registration, and ID with you always. Nebraska police may ask for proof of insurance during traffic stops.
If you do not have a Nebraska license, carry a passport or visa as proof of identity. Document your conversations with insurers about what ID they accept.
Visit the Nebraska DMV website or call (402) 471-3912 to learn about eligibility and required documents for licensing.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | |
| Bodily Injury (per accident) | $50,000 | |
| Property Damage | $25,000 | |
| Uninsured Motorist (BI per person) | $25,000 | Required |
| Uninsured Motorist (BI per accident) | $50,000 | Required |
| Uninsured Motorist (PD) | $25,000 | Required |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Most Nebraska insurers accept ITIN. Get yours at https://www.irs.gov/individuals/individual-taxpayer-identification-number
No. Nebraska does not issue driver licenses to undocumented immigrants. Check https://www.ncsl.org/transportation/states-that-allow-unauthorized-immigrants-to-get-a-drivers-license for neighboring states that do.
Nebraska requires: $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage. Ask your insurer to confirm current minimums.
State Farm, Allstate, GEICO, and Mutual of Omaha accept ITIN. Rates vary—get quotes from multiple companies. Insurance is NOT immigration enforcement.
Some insurers accept foreign licenses temporarily (usually 30-90 days). You need a valid Nebraska license to drive legally. Check with your specific insurer first.