Auto Insurance Minimums for Nebraska

In the state of Nebraska, you are required by law to have minimum liability insurance of 25/50/25. This ratio translates to $25K of Liability Bodily Injury coverage per person, $50K of Liability Bodily Injury coverage per accident, and $25K of Property Damage coverage.  In addition, the Nebraska Department of Insurance strongly suggests that you carry uninsured/underinsured motorist protection (UM/UIM).  This is because approximately 8% of Nebraska motorists are uninsured.  Roughly 105,000 drivers defy state law and put you at risk; this does not include the thousands of others that are inadequately insured.
Choosing to drive without insurance can result in immediate license suspension fine of up to $500 for the first offense.  With this kind of risk, paying for the required insurance really isn’t that much- especially if you take time to find reasonable auto insurance quotes.

On average, Nebraska drivers spend $1,299 on car insurance per year.  This is not much compared the emotional and financial risk of driving without coverage.  Affordable auto insurance quotes are as easy to find as checking out Save Today’s online resource.  All you need to do is find the quote that best serves your needs and you can avoid all the legal challenges of being an uninsured driver.

Nebraska DUI Law

Nebraska has less alcohol related accident fatalities than other states; however, the state still takes driving while under the influence very seriously. Nebraska has an implied consent law, which means that any time you drive you are agreeing to take a sobriety test should an officer of the law suspect that you have been drinking. Furthermore, first offense DUI convictions in Nebraska are treated with the same severity as second offenses.
The blood alcohol content limit in Nebraska is 0.08%. Special sentence enhancements may be applied to those who are arrested with a BAC of 0.15% or higher. If you are arrested with a DUI, you will lose your license for three months. After 30 days a driver may appeal for a limited license. A first DUI offense is classified as a Class W misdemeanor in Nebraska. This means that if you are arrested with a DUI—even a first offence DUI—you will serve a mandatory 7 days in jail. You will also be fined $400-$500.

Nebraska Teen Driving Laws/Auto Insurance Requirements

Nebraska teens get in accidents much more than adults in the state do, and most of these accidents occur at night. Many of these fatalities could be avoided if teens regularly observed traffic rules like wearing a seatbelt, avoiding cell phone related distractions and avoiding alcohol consumption while driving. In order to help prepare teens for driving, Nebraska has implemented the Graduated Driver Licensing (GDL) program.

Nebraska teens must be at least 15 years old in order to start the GDL program. The first step for teens is gaining a learner’s license, which they must then keep for six months and complete 50 hours of behind the wheel training—including 10 hours at night. If teens are 14 and live within 1.5 miles of their school they can qualify for an LPE permit or a limited license called a School Permit.

To advance from a learner’s permit to a restrictive license, teens must be at least 16 years old. At 18 teens may apply for an unrestrictive license.
It is illegal for teens in Nebraska to operate any vehicle while under the influence of alcohol. A teen with a BAC of 0.02% or higher (that’s about the amount in one drink, perhaps less) will be convicted of a DUI, and may lose their license. They must also wait longer to apply for a license again—sometimes up to a year.

Teens in Nebraska need to have at least the minimum insurance amount required by the state. However, since teens are more likely to become involved in automobile accidents, it is recommended that they carry more than the minimum amount.