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Nebraska Motorcycle Insurance Requirements

Nebraska Motorcycle Insurance Requirements

Nebraska is located in the Midwest region of the United States and is on the Great Plains. A unique trait of this state is that it is split into 2 different time zones. The eastern half of the state follows Central Time, while the western portion of the state follows Mountain Time. There are three major rivers that cross the state from west to east including: The Platte River, the Niobrara River, and the Republican River. Two major land regions make up the state’s geography: the Dissected Till Plains and the Great Plains.

Nebraska was nicknamed the “Cornhusker State” due to the nickname of University of Nebraska athletic teams. The term originated from a sportswriter named Charles S. Sherman in 1900 when he wrote for the Nebraska State Journal. The economy in this state is largely geared towards production of agriculture including beef, pork, corn, and soybeans. Other economic influences are from freight transportation, insurance, manufacturing information technology, and telecommunications.

Nebraska Motorcycle Insurance Requirements

In most states, you are required to establish financial responsibility before you can legally drive a motorcycle. Financial responsibility means having a necessary amount of money or insurance to pay for any potential damages in the event that you are “at-fault” for an accident. If you drive without any financial responsibility, you are going against the law. If you get into an accident without having funds to reimburse others for your damages, you could end up paying thousands of dollars out of your own pocket.

How to Establish Financial Responsibility in Nebraska

There is no shortage of ways to establish financial responsibility in the state of Nebraska. Most people opt to get insurance, but there are a plethora of alternatives that can be pursued. Below are your options if you are a resident in the state of Nebraska.

  • Liability Insurance – This is the most common way to establish responsibility. Purchase a liability policy from a state-authorized insurer.
  • Cash Deposit – You have the option of making a cash deposit of at least $75,000 with the State Treasurer.
  • Property Bond – Individuals are allowed to get a property bond with 2+ sureties who own properties in the state
  • Self-Insurance – You must have at least 26 vehicles registered under your name in order to get self-insured.
  • Surety Bond – You have the option of getting a bond from a company licensed to issue them in Nebraska.

Motorcycles / Two-Wheeled Vehicles Defined

It is important to understand the definition of various 2-wheeled vehicles in your state. This helps you know what rules and regulations need to be followed. If you are unsure about the classification of your vehicle, you can read the definitions below. For individuals that need further assistance, contact the Nebraska Department of Motor Vehicles (DMV) at the following number: (402)-471-3918.

Motorcycle: A motor vehicle with a seat or saddle for the use of the rider that is designed to travel on not more than 3 wheels in contact with the ground. Tractors, ATV’s, and personal mobility devices are excluded from this definition.

Moped: A motorized bicycle with fully operative pedals for human propulsion and an automatic transmission. The motor must not exceed 50 cc and must not produce more than 2-brake horsepower. These vehicles must not travel faster than 30 mph. Mopeds are exempt from titling and registration. They can be operated on public roads as long as proper laws are followed. Note: If the pedals are ever removed from your moped, it is not allowed to be driven on public roads.

Motor Scooter: A motor vehicle that is similar to a motorcycle, but is smaller and less powerful. These typically have a seat, a flat foot rest, and handlebars for the operator. If your scooter has tires bigger than 14 inches and produces more than 45 cc engine displacement, it should be treated as a motorcycle. You need a motorcycle license to drive a motor scooter.

Note: Electric Scooters with 3 or 4 wheels that are used by disabled individuals are not classified as motor scooters.

Nebraska Motorcycle Insurance Minimum Requirements

In this particular state, you are required to have both liability coverage as well as uninsured motorist coverage. Liability coverage is what protects you if you accidentally injure another person, multiple people, or damage someone’s property. Uninsured motorist coverage is what will protect you in the event that someone hits you and doesn’t have sufficient insurance to pay for the damages that they cause. Below are the minimum amounts needed to legally operate your motorcycle.

Liability Insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $25,000 property damage per accident

Uninsured Motorist Insurance:

  • $25,000 per person

  • $50,000 per accident

In order to find an insurance policy that meets these requirements, you can use the 100% free tool at the top (or bottom) of the page to enter your Zip Code. From here, you will find a list of insurance providers that will help you get a policy to fulfill these requirements. Keep in mind that the above amounts are strictly the minimums and may not be enough protection in moderate or severe accidents. It is up to you to work with an insurance provider and come up with coverage limits that best fit your personal needs.

Nebraska Laws: Safety & Licensing Requirements

Below are laws that must be followed if you plan on driving a motorcycle in this state. All drivers should know helmet requirements, whether they need eye-protection, and when to use headlights. You should also be aware of what type of licensing is required for your vehicle.

  • Helmets – All drivers (and passengers) are required to wear helmets while operating a motorcycle. Helmets need to be in compliance with the FMVSS 218 standard.
  • Eye Protection – Although protective eye-wear is not required, it is recommended.
  • Headlights – You are not required to use headlights in the daytime, but it is recommended for safety and visibility.
  • Licensing – All individuals must obtain a Class M endorsement on their driver’s license before operating a motorcycle. You can get a motorcycle license by completing the required written and road (skills) test in Nebraska. If you have already completed a Motorcycle Safety Foundation Basic Rider Course, you may be able to skip the road test.

Proof of Insurance / Financial Responsibility in Nebraska

You should know that while driving it is important to always carry proof of insurance. If you are pulled over by a police officer, they may ask to see your insurance information. If you are unable to produce it, you could face various penalties of the law. Below are some acceptable forms of proof.

  • Insurance Card – All insurance providers will issue you an insurance card when you purchase a policy. Keep this with you at all times while driving your motorcycle.
  • Certificate – If you are self-insured, the DMV will issue you a certificate of proof. If you have a surety or property bond, whoever issued it to you will provide you with a certificate or some official proof. If you opted to make a cash deposit with the state, the State Treasurer will issue you a certificate.

Penalty for Lack of Insurance or Responsibility

If you think you can get away without insurance, the legal system will eventually catch up with you. All it takes is to get pulled over once and for a police officer to ask you to see insurance information. If you are unable to show proof of coverage, you may face significant legal penalization.

  • Fines: You will be issued a fine for driving without insurance. The amount you are fined will depend on whether you have committed prior offenses.
  • Suspensions: Your title and registration may face suspension for riding without insurance. Your driver’s license may also get suspended for an assigned period of time. Once the suspension period is served, you must have insurance before they are reinstated.
  • File an SR-22 Form: You will be required to file an SR-22 form with the Nebraska DMV. This allows them to keep tabs on you as a driver. They will know when you have insurance coverage and when your policy expires. Filing one of these forms will likely increase your rates.

Nebraska Motorcycle Insurance Companies

In order to find the best insurer for you and your motorcycle, it is important to research some insurance companies. You may want to take some time to read company reviews on this website and determine which companies you like the most. One tool that will really help you narrow down your search is the box below (or at the top of the page).

Use the box by entering your Zip Code and checking out some of the companies that are shown in your area. From here you can collect quotes and compare them to the amount of coverage that is offered. Choose the company that is offering the most coverage for a reasonable rate.

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