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Last updated: August 25, 2023

Driving Without Insurance in Nebraska

Learn the one way you can avoid fines, points, and court appearances.

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“License and registration, please.” These aren’t words you want to hear while you’re behind the wheel, as they probably mean you’ve been stopped by the police for an alleged driving offense. What happens if you can show proof of your license and registration but not your insurance policy?

Well, it’s illegal to drive without insurance in Nebraska, and 91 percent of the state complies with this law, a rate much higher than the rest of the U.S. (88 percent of drivers are insured nationwide). But you can still get in trouble even if you have an active policy — by not having proof of it when you’re pulled over.

Penalties for Driving Without Insurance in Nebraska

Let’s look at what could happen if you drive without car insurance in Nebraska.

What Happens If You Drive Without Proof of Insurance?

If you’re convicted of not having proof of insurance, the state will suspend your license automatically, as you will have committed a Class II misdemeanor. The Department of Motor Vehicles (DMV) will also revoke your registration and suspend your license plate until you show proof of insurance. You will even face up to six months in jail, a fine of $1,000, or both.

However, if you show proof of your policy or financial responsibility within 10 days of your violation, the citation will be dismissed and you won’t have to pay the fine. The state will return your license plate and reinstate your registration once you pay a $50 fee and provide proof of insurance for three years. You can pay this fee via:

  • Cashier’s check or money order made payable to the Department of Motor Vehicles
  • Online at
  • Mail, with the following information:
    • Name
    • Date of birth
    • License or Social Security number
    • Current mailing address1

What Proof Is Required?

Your proof of financial responsibility can be any of the following:

  • An SR-22 form that your insurance company will file with the state’s DMV stating that you have minimum coverage
  • A $75,000 bond of a surety company or a bond with at least two individual sureties that own real estate in Nebraska
  • A $75,000 cash bond through a bank draft, money order, or certified check
  • A self-insurance certificate, which you can get from the state’s Department of Insurance

Mail your proof to the following mailing address:

  • Department of Motor Vehicles
  • 301 Centennial Mall South
  • P.O. Box 94877
  • Lincoln, NE 68509-4877

Or fax it to 402-471-8288.


To self-insure, you must own 26 or more vehicles and give collateral to the Nebraska Department of Insurance. Apply for self-insurance via

How to Get Your Suspension Withdrawn

But what happens if you had auto insurance all along but just forgot your proof at home? If that’s the case, you may be able to get the suspension withdrawn by giving the DMV a copy of the citation along with a verification letter from your insurance provider. Use the form at

The letter must be on your insurance company or agency’s letterhead and signed by an authorized representative of the company with their title included. The form requires information such as:

  • Name
  • Date of birth
  • Current mailing address
  • Insurance policy number
  • Policyholder
  • Date of citation to make sure you were covered during that time

How to Appeal Your Fine

There are two ways to appeal your fine, but one is significantly more desirable if you’re eligible for it.

Plead Not Guilty

The first option is to plead not guilty and appear in court. However, if the judge declares you’re guilty, you’ll have to face the penalties regardless.

Take a Driving Safety Class

The better option is to take a Safety Training Option Program (STOP) class if you’re within its service area.

County Cost of Safety Training Option Program
Clay $199
Colfax $199
Franklin $224
Gage $219
Hamilton $199
Jefferson $184
Kearney $194
City of Madison $135
City of Milford $234
Morrill $359
Nance $184
City of Norfolk $189
Nuckolls $244
Platte $209
Saunders $195
Seward $234
City of Tilden $135
Wheeler $269

STOP is a four-hour online class that you can take whenever you want. If you complete this class, you won’t have to pay the fine, appear in court, or get points on your driving record. To find out if you’re eligible, contact:

  • Law enforcement
  • Prosecutor’s office
  • The Nebraska Safety Council by either calling 402-483-2511 or emailing nesc@nesafetycouncil.org2

Register for the class online via


While someone with a citation for driving without insurance is eligible for STOP classes in theory, the county or city attorney has the right to refuse anyone.

How to Find Coverage After a Lapse

If you truly didn’t have auto insurance, now is certainly the time to get it. Finding an auto insurance company that will cover you after a lapse in coverage is possible; however, it will be more difficult, as insurers will consider you to be higher risk compared to someone with continuous coverage.

The easiest option is to call We’ll find an insurance provider willing to cover you, one that caters to what the industry calls substandard, or high risk, drivers. Otherwise, you’ll be forced to request quotes from multiple companies without being sure they even want you as a customer. Either way, a good resource to check out is our page on the best auto insurance for high-risk drivers.

More Nebraska Car Insurance Laws

Keep reading for additional essential information all Nebraskan drivers should know.

Minimum Auto Insurance Coverage

The minimum car insurance coverage that Nebraska requires is:

  • $25,000 in bodily injury liability coverage per person, $50,000 per accident
  • $25,000 in property damage liability coverage per accident
  • $25,000 in underinsured motorist coverage and uninsured motorist coverage per person, $50,000 per accident3

Vehicle Registration

You need proof of insurance before you can register a vehicle in the state of Nebraska. A new registration costs $15, and you can obtain them either in person at a DMV location or through the mail. Along with an original document proving you have insurance, you’ll also need proof that you’ve paid the sale or excise tax, as well as a copy of a signed lease agreement, if applicable. Find the nearest DMV at

You can renew your registration either through the mail, in person, or online at For renewals, you’ll need original proof of insurance again as well as the vehicle’s original registration document.


The average cost of auto insurance in Nebraska was only $796 annually the last time the National Association of Insurance Commissioners released such data, representing the 13th-lowest rate in the U.S.4 Perhaps that’s why only 9 percent of Nebraskan drivers lack insurance; nationally, 12 percent of drivers are uninsured.5

Make sure to carry proof of insurance any time you drive. That way, you can avoid the headache of entering a plea, going to court, and paying fines, or taking a four-hour online driving class.

If you lack auto insurance, we recommend getting full coverage, not only to avoid penalties, but also to protect yourself financially if you cause an accident or have other damages. At around $66 per month on average, car insurance is a sound investment to prevent financial losses.


  1. No Proof of Insurance Conviction. Nebraska Department of Motor Vehicles. (2023).

  2. Additional Information: Traffic Cases in Nebraska. State of Nebraska Judicial Branch. (2023).

  3. Nebraska Revised Statute 60-509. Nebraska Legislature. (2023).

  4. 2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).

  5. Uninsured Motorists, 2021 Edition. The Institutes Insurance Research Council. (2021, Mar 22).