Teen Driver Insurance in Nebraska: Parents' Guide
Nebraska requires 25/50/25 liability coverage and is an at-fault state.
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Nebraska at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Teen drivers progress through a three-stage graduated licensing system: learner's permit at 15 (50 hours supervised driving required), intermediate license at 16 (midnight–6am curfew, passenger restrictions for first 6 months), and full license at 17. Nebraska statute 44-513.01 mandates that all insurers licensed in the state must offer a good student discount to policyholders with teen drivers who maintain a B average or equivalent.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
Cost Overview
$200–$368/mo
Typical monthly rate in Nebraska, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Add Your Teen Without Doubling Your Bill
Compare Teen Driver RatesRules for new drivers
Night driving
midnight-6am (secondary)
Passengers
no more than 1 passenger younger than 19
Source: IIHS and state DMV records, verified July 2026
Frequently Asked Questions
What are Nebraska's graduated licensing restrictions and how do they affect insurance?
Nebraska teen drivers progress through three stages: learner's permit at age 15 (requires 50 hours supervised driving), intermediate license at age 16 (midnight–6am curfew, passenger restrictions for first 6 months), and unrestricted license at age 17. Insurance rates are highest during the learner and intermediate stages and begin declining once the teen reaches age 17 with a full license and clean driving record.
Coverage Types
Liability Insurance
Covers injuries and property damage your teen causes to others. Nebraska's 25/50/25 minimum is low; most parents increase to 100/300/100 or 250/500/100 when adding a teen driver.
Collision Coverage
Pays to repair your teen's vehicle after an at-fault accident. Required if financing, optional if the vehicle is paid off.
Comprehensive Coverage
Covers non-collision losses: theft, vandalism, weather damage, and animal strikes. Typically less expensive than collision.
Uninsured/Underinsured Motorist
Protects your teen if hit by a driver with no insurance or insufficient coverage. Nebraska insurers must offer this; you can only decline it in writing.
Full Coverage
Liability above state minimums plus collision and comprehensive. Standard for financed vehicles and recommended for newer vehicles a teen driver operates.
Medical Payments Coverage
Pays medical expenses for you and your passengers after an accident, regardless of fault. Optional in Nebraska but provides immediate coverage without determining liability.