Auto insurance isn’t just about meeting state requirements—it’s about protecting yourself, your passengers, and your financial future. Whether you’re new to buying coverage or reviewing your existing policy, understanding the different types of auto insurance coverage will help you make informed choices.
Let’s walk through the key coverages you’ll encounter, what’s required in Nebraska, and what’s recommended.
Minimum Required Coverage in Nebraska
In Nebraska, you’re legally required to carry at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
This is often written as 25/50/25. It covers injuries and damages you cause to others in an at-fault accident.
Required Uninsured/Underinsured Motorist Coverage
Nebraska also requires:
- $25,000 per person
- $50,000 per accident
This kicks in if you’re hit by a driver who has no insurance or not enough to cover your injuries.
Optional but Recommended Coverages
Medical Payments (MedPay)
Covers medical expenses for you and your passengers, regardless of who’s at fault. Coverage amounts typically range from $1,000 to $25,000.
Collision Coverage
Pays for repairs to your vehicle if you:
- Hit another car
- Hit an object (like a pole or guardrail)
- Roll your vehicle
You’ll choose a deductible, usually $500 or $1,000, that you pay before coverage kicks in.
Comprehensive Coverage
Covers non-collision events like:
- Theft
- Hail and storm damage
- Vandalism
- Animal strikes
Often required by lenders or lease companies.
Additional Coverages to Consider
Depending on your insurance provider, you can add:
- Towing & roadside assistance
- Rental reimbursement
- New car replacement
- Gap coverage
Every driver’s needs are different. The best policy is one that balances cost and protection based on your vehicle, driving habits, and budget.
For more Nebraska-specific info, visit GEICO’s Nebraska coverage guide.
Conclusion
Understanding the different types of auto insurance coverage ensures you’re not just meeting the minimum—but actually protected when the unexpected happens. Whether you’re upgrading your policy or just getting started, it pays to get advice from a local expert.
📞 Need help deciding what coverage is right for you? Contact Nebraska’s Insurance—we’re here to walk you through it.