Nebraska Motorcycle Insurance

Nebraska requires that all riders carry motorcycle insurance. That can be in the form of a certificate of self-insurance filed with the Department of Motor Vehicles or it can be in the form of liability insurance. Holding a liability policy is the least expensive option and the easiest to maintain.

Additionally, Nebraska is an “at fault” motorcycle insurance state. If you do not have the right coverage in place and are found at fault in an accident, you will face fines, penalties, license suspension, and potential jail time. Fortunately, we can help you find the rates and policy options you need, online.

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What is a Motorcycle in Nebraska?

According to the legislature in Nebraska motorcycle law, a motorcycle is…

”Any motor vehicle having a seat or saddle for the use of the rider and designed to travel on not more than three wheels in contact with the ground but excluding a tractor, an all terrain vehicle or an electric personal assistive mobility device.”

The statutes go on to include: total wheel and tire diameter of 14 inches or more, and an engine rated capacity of 45 cc or more.

Nebraska Street Legal Motorcycle Requirements

The Cornhusker State is a great place to ride. Once you leave the crowded urban areas around cities like Lincoln, you are in breathtaking rural settings. Whether you are competing with congested traffic or not, your bike needs to be street legal at all times. In Nebraska, the equipment you and your bike must have includes:

  • Eye protection: not required.
  • Handlebar height: maximum of 15 inches above the fasten point.
  • Helmet: required for all riders and passengers.
  • Mirrors: none required.
  • Turn Signals: not required.
  • Passenger Seat and Passenger Footrests: required if carrying a passenger. No restrictions on a passenger’s age.
  • Headlight: required; a modulating daytime headlight is approved.
  • Muffler: required, not cutouts allowed. No acoustical requirements.
  • Safety Inspection: not required.

Nebraska Motorcycle Insurance Requirements

Nebraska’s mandatory motorcycle insurance laws require that all riders have a policy with these minimum limits:

  • $25,000 for death or bodily injury to one person
  • $50,000 for death or bodily injury to two or more persons
  • $25,000 for damage or destruction of property

While Nebraska has fairly high coverage requirements, an accident that results in a serious injury could reach those limits quickly. When your policy falls short, you will be responsible for all additional costs, potentially draining your life savings, whether you are at fault or not.

The basic coverage required in Nebraska is fairly high, but may not be sufficient. That is why you should always carry additional coverage. If there is a lien against your bike, your lender will require better coverage as a condition of the loan. Even if you own your bike free and clear, you should still consider having additional coverages in place to protect your life savings. Some policy types that you should consider are:

Collision Coverage:  This protects your bike in an accident that involves a collision. It may or may not include uninsured/under-insured coverage. If it doesn’t, take care to add it.

Uninsured/Under-insured Motorist Coverage:  Given that nearly 7 percent of the motorists in Nebraska are uninsured on any given day, you can understand the need for this type of coverage. The under-insured aspect of the policy protects you in case the other driver is from a state with lower minimum requirements or the injuries exceed the policy caps of an at fault motorist. Nebraska also requires that riders opt out of uninsured motorist coverage in writing when they purchase a policy.

Comprehensive Coverage:  This protection covers non-collision mishaps such the following:

  • Fire
  • Wind
  • Water
  • Theft
  • Vandalism

Bodily Injury Coverage:  This protection covers certain costs if you injure or kill someone in an at-fault accident. It also protects your passenger.

Medical Payment Coverage:  This covers items such as:

  • Prescription drug payments
  • Dental care
  • Medical co-payments and deductibles from other health coverage policies
  • Home nursing care, or funeral expenses.

Custom Parts Coverage:  This will cover items that are unique like handmade tanks and pipes, as well as aftermarket parts and accessories. More information here.

Insure Your Bike Today

We have an easy to use tool so that you can get quotes for the coverage you need. All you have to do is enter your rider and motorcycle information and you will receive quotes from reliable insurers that serve your part of Nebraska.

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