Nebraska · state requirements

Commercial auto insurance in Nebraska

For Nebraska contractors, delivery businesses, movers and passenger carriers: state minimums, the UM and UIM you cannot drop, PSC filings and what to have ready for a quote.

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What similar businesses pay

Commercial auto in Nebraska: About $208 a month
Commercial auto, national: $245 a month
Business auto (cars, vans, small trucks): $276 a month

Published benchmarks, not quotes. Your price depends on underwriting.

Cost

What commercial auto insurance in Nebraska costs

About $208 a month

Commercial auto in Nebraska

Insureon average for Nebraska customers, limited data, updated March 2026

$245 a month

Commercial auto, national

Insureon national median, updated March 2026

$276 a month

Business auto (cars, vans, small trucks)

Progressive Commercial national average per power unit, 2025

$926 a month

For-hire transport trucks

Progressive Commercial national average per power unit, 2025

Insureon reports that its Nebraska small-business customers pay an average of about $208 a month, or $2,497 a year, for commercial auto, based on limited data updated March 2026; its national median is $245 a month, with annual premiums from under $375 to over $16,000. Progressive’s 2025 national averages per power unit run from $276 a month for business autos such as cars, vans and small trucks to $926 for for-hire transport trucks. Nebraska law puts a floor under every quote: 25/50/25 liability plus mandatory UM and UIM at 25/50. Movers and passenger carriers buying PSC limits of $500,000 to $5,000,000 typically pay well above these figures.

What moves your price

Where each vehicle is principally garaged, which also decides whether Nebraska’s UM and UIM rules apply
The liability limits your customers, contracts or the PSC require above the 25/50/25 floor
For passenger carriers, seat count: the PSC floor jumps from $500,000 to $1.5 million at 8 seats and to $5 million at 16
Whether you buy UM and UIM above the 25/50 minimum
Each driver’s record, and any SR-22 filing after an uninsured conviction
Trailers you pull, since the power unit’s policy has to cover them

Nebraska

What’s different in Nebraska

25/50/25 is the floor, from an insurer authorized in Nebraska

Neb. Rev. Stat. 60-310 sets the minimum at $25,000 per person and $50,000 per accident for injuries and $25,000 for property damage, written by an insurer authorized in Nebraska. Anything a crash costs above your limits is yours to pay.

UM and UIM are on every policy, and you cannot sign them away

Neb. Rev. Stat. 44-6408 bars any auto liability policy on a vehicle principally garaged in Nebraska unless it includes uninsured and underinsured motorist cover of at least 25/50, with no rejection option. On written request, your insurer must sell up to $100,000 per person and $300,000 per accident.

The owner is presumed to know who is driving

Under Neb. Rev. Stat. 60-3,167, letting a registered vehicle run uninsured is a Class II misdemeanor for the owner, punishable by up to six months in jail, a $1,000 fine or both under 28-106. The owner is presumed to know when someone else drives. A conviction suspends license, registration and plates and requires SR-22 proof for three years.

Registering without keeping coverage is its own offense

Neb. Rev. Stat. 60-3,168 makes it a Class IV misdemeanor, with a mandatory penalty, to pay registration fees without keeping liability cover in force for the whole registration period.

The state database is not daily, so keep the card in the cab

The Nebraska DMV says insurers report to its database on a regular cycle but not daily, and the database does not replace written certificates. Proof must ride in the vehicle. A driver without it has 10 days under 60-3,167 to show the prosecutor coverage was in force and have the citation dismissed.

Carrying passengers or household goods for pay needs PSC authority

The Public Service Commission requires authority for for-hire passenger carriers and household goods movers. Its rules set liability floors of $500,000 to $5,000,000 by seat count for passenger carriers and $750,000 plus $5,000 cargo for movers. Filings must be continuous; term policies do not qualify.

Coverage

Coverage Nebraska businesses need

Commercial auto liability

Pays for injuries and property damage your vehicles cause to others. Nebraska requires at least 25/50/25, but contracts and the PSC often require far more. This is the policy a Form E filing certifies.

How commercial auto works →

Uninsured and underinsured motorist

Mandatory at 25/50 for vehicles garaged in Nebraska. Under 44-6409, UIM pays your damages minus what the at-fault driver’s insurer paid, up to your limit.

How commercial auto works →

Physical damage

Collision and comprehensive for your own vehicles. Not required by state law, but lenders and lessors usually require it.

How commercial auto works →

Trailer coverage through the power unit

The DMV requires the towing vehicle’s insurance to cover any trailer it pulls, so list every trailer on the policy.

How commercial auto works →

Motor truck cargo for movers

PSC-regulated household goods movers must carry at least $5,000 in cargo insurance, filed on Form H, alongside $750,000 in liability under 291 NAC 3, rule 003.03A.

Umbrella or excess liability

Adds limits above your auto liability when a general contractor, shipper or public agency asks for more than your primary policy carries.

How umbrella / excess works →

Rules

Nebraska requirements

Every vehicle registered in Nebraska needs liability plus UM and UIM from an insurer authorized in the state, with proof in the vehicle. For-hire passenger carriers and household goods movers also answer to the Public Service Commission.

Requirement	Applies to	What it means
Minimum liability	Every motor vehicle registered in Nebraska	$25,000 per person, $50,000 per accident bodily injury and $25,000 property damage, from an insurer authorized in Nebraska (Neb. Rev. Stat. 60-310).
UM and UIM	Every auto liability policy on a vehicle principally garaged in Nebraska	Both at 25/50 minimum; the insurer must sell up to 100/300 on written request (Neb. Rev. Stat. 44-6408).
Proof in the vehicle	All registered vehicles except trailers, dealer-plated vehicles and a few others	Original or electronic card carried at all times; fleets of 5 or more may use a card covering all vehicles of the named insured (Nebraska DMV).
Owner liability for an uninsured vehicle	Owners of vehicles required to be registered in Nebraska	Class II misdemeanor; suspension of license, registration and plates until SR-22 proof, kept for three years (Neb. Rev. Stat. 60-3,167).
Coverage for the full registration period	Anyone paying Nebraska registration fees	Letting coverage lapse during the registration period is a Class IV misdemeanor with a mandatory penalty (Neb. Rev. Stat. 60-3,168).
Household goods movers	For-hire movers of household goods within Nebraska	PSC authority, $750,000 liability on Form E and $5,000 cargo on Form H (291 NAC 3, rule 003.03A).
Passenger carriers	For-hire limousine, taxi, charter and similar carriers	PSC authority; liability of $500,000 up to 7 seats, $1.5 million for 8 to 15 and $5 million for 16 or more, plus 100/300 UM and UIM (291 NAC 3, rules 003.03 and 006.02).
Continuous PSC filings	Carriers with PSC authority	Insurance must be continuous and can be cancelled only on 30 days’ written notice to the Commission; six-month or one-year term policies do not qualify (291 NAC 3, rule 006.03).
Transportation network companies	Rideshare companies and their drivers	$1 million primary liability once a ride is accepted and while passengers are aboard; 25/50/25 while the app is open (291 NAC 3, rule 012.16).

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Pay less

How to lower the cost

Keep every policy continuous: one uninsured conviction under 60-3,167 means three years of SR-22 proof, which narrows your choice of insurers.
For passenger work, match vehicles to the PSC tier you need: a vehicle seating 7 falls under the $500,000 floor, one seating 8 under $1.5 million.
Put 5 or more vehicles on one fleet policy so a single blanket card covers them all.
List trailers on the power unit’s policy instead of buying cover you do not need, since Nebraska requires the towing vehicle’s insurance to cover them.
Check drivers’ records before hiring and every year after.
Compare quotes at renewal; Florin is an independent broker that compares options from several insurers.

Before you start

What underwriters ask for

Vehicle schedule with year, make, model, VIN, value and lienholder
The Nebraska garaging address for each vehicle
Driver list with license numbers, dates of birth and years of experience
Trailers you pull and what they carry
Seat capacity of each passenger vehicle, if you carry passengers
PSC certificate or application details, and USDOT number if you cross state lines
Current declarations page and loss runs from prior insurers
The limits and certificate wording your customers require

Common questions

Commercial auto insurance in Nebraska: questions

Can I reject uninsured motorist coverage in Nebraska?

No. Neb. Rev. Stat. 44-6408 requires both uninsured and underinsured motorist cover of at least 25/50 on every auto liability policy for a vehicle principally garaged in Nebraska, with no rejection option. You can ask in writing for higher limits, which the insurer must provide up to 100/300.

Does each fleet vehicle need its own insurance card?

Not if you have at least 5 vehicles with the same owner. The Nebraska DMV accepts a card stating that coverage applies to all vehicles owned by the named insured, if the named insured matches the registered owner.

Do trailers need proof of insurance in Nebraska?

The DMV does not require separate proof for trailers. The insurance on the vehicle pulling the trailer must cover it, so make sure your policy lists or extends to the trailers you tow.

What happens if my driver is stopped without proof of insurance?

Under Neb. Rev. Stat. 60-3,167, the owner has 10 days to show the prosecutor or county attorney that coverage was in force at the time. If it was, the citation is dismissed at no cost.

How much insurance does a Nebraska limousine or shuttle need?

PSC rules set liability of $500,000 for vehicles seating up to 7 passengers, $1.5 million for 8 to 15 and $5 million for 16 or more. Passenger carriers also need UM and UIM of $100,000 per person and $300,000 per accident.

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Sources (13)

Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.