Do I need auto insurance to apply for a NE drivers license? Nebraska

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No. You don’t need proof of auto insurance to obtain a driver license.

Although you do not need to have auto insurance in order to apply for a drivers license, the Nebraska Department of Motor Vehicles (DMV) does require proof of financial responsibility as a condition of vehicle registration unless the vehicle meets one of the following criteria for exemption:

  • Camper on the back of a truck that is properly insured.
  • Trailer with a properly insured pulling unit.
  • Snowmobile.
  • Boat.
  • 30-day plated vehicle.
  • Dealer-plated vehicle.
Generally, drivers choose to demonstrate proof of financial responsibility by presenting a certificate of insurance or an insurance policy from a company authorized to do business in Nebraska. A binder can be accepted as proof of insurance if it contains all of the information found on a certificate of insurance with the exception of the policy number.

Minimum Auto Insurance Requirements

According to the NE DMV, minimum car insurance requirements are:

  • $25,000 per person bodily injury damage coverage.
  • $50,000 per accident bodily injury damage coverage.
  • $25,000 per accident property damage coverage.
However, this amount of auto insurance coverage may not provide sufficient protection for all drivers. Depending upon your financial assets and the type of vehicle you drive, you may wish to obtain additional protection. Comparison shopping by obtaining multiple insurance quotes will help you make sure you get the policy with the best possible insurance rates.

Enter your Zip Code below to get a Free Quote. We suggest getting quotes from multiple companies to ensure you get the best rate. There is no obligation to purchase.

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