Motorcycle Insurance for Nebraska
Nebraska motorcycle insurance for riders who know the roads.
Nebraska motorcycle insurance for riders who know the roads.
From the Sandhills Journey Scenic Byway on Highway 2 to the Outlaw Trail on Highway 12, Roamly works with carriers who understand how Nebraskans actually ride.
Nebraska at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/25 ($25k bodily injury per person, $50k per accident, $25k property damage). Uninsured and underinsured motorist coverage of at least 25/50 is also required, and neither can be rejected. |
Helmet law | Optional since January 1, 2024, but only for operators 21 and older who have an approved safety course recorded by the Nebraska DMV or hold another state's motorcycle license. Operators also need eye protection or a windshield. |
Lane splitting | Illegal. Nebraska law bars riding between lanes of traffic or between rows of vehicles, and passing in the same lane. Two motorcycles may ride side by side in one lane. |
Registration | No safety inspection and no emissions testing, though bikes coming from out of state need a one-time $10 sheriff's inspection. As of September 2026, the state motorcycle registration fee is $6, plus motor vehicle tax and other county fees. |
Requirements and regulations may change. Verify with the Nebraska Department of Insurance and the Nebraska Department of Motor Vehicles for the most current information.
What you need to know about Motorcycle Insurance in Nebraska
Nebraska made helmets optional for some adult riders in 2024 — but only with the right course on file — and it requires both uninsured and underinsured motorist coverage on every policy. Here's what actually shapes your policy.
Nebraska's 25/50/25 Minimum
The state requires 25k/50k bodily injury and $25k property damage, plus uninsured and underinsured motorist coverage of at least 25k/50k that you can't reject. A 2026 bill to raise the minimums to 50/100/50 was indefinitely postponed, so 25/50/25 still applies as of September 2026. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Softail Standard with the new bars and custom paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders come for the Sandhills on Highway 2 and the Outlaw Trail on Highway 12. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
After a DUI revocation or a suspension for riding without proof of insurance, the Nebraska DMV requires an SR-22 on file for three years. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like deep in the Sandhills on Highway 2, miles from the next town. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — whether or not you qualify to ride without a helmet, good gear isn't cheap to replace. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
The Sandhills and the Niobrara River country draw riders who want long, quiet roads, and a bike can do more than sit in the garage between your own rides. Listing yours on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Nebraska Actually Requires
Nebraska mandates 25/50/25 liability coverage for motorcycles, plus uninsured and underinsured motorist coverage. That's $25k per person and $50k per accident for bodily injury and $25k for property damage, plus at least 25k/50k each of uninsured and underinsured motorist coverage, and neither one can be rejected. Nebraska is an at-fault state with no PIP, so medical payments coverage is an optional add-on worth considering. A helmet is required unless you qualify for the adult exemption, and operators need eye protection or a windshield. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Nebraska law references current as of September 2026 — confirm current requirements with the Nebraska Department of Insurance and the Nebraska Department of Motor Vehicles.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Nebraska requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident is also required. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Nebraska Department of Insurance.
It depends. Since January 1, 2024, operators 21 and older can ride without a helmet if they've completed an approved motorcycle safety course and the proof is recorded with the Nebraska DMV — riders licensed on or after May 1, 2024 need the full basic rider course. Riders 21 and older with a motorcycle license from another state are also exempt. Passengers 21 and older can skip the helmet only if the operator qualifies. Everyone else needs a helmet that meets the federal DOT standard.
It depends on your bike, riding history, where you live, and the coverage you pick. Your uninsured and underinsured motorist limits, and whether you add collision, comprehensive, or medical payments, will change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability plus uninsured and underinsured motorist coverage is what Nebraska requires — liability pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or hail. If you're financing, your lender will likely require both.
An SR-22 is a certificate your insurer files with the Nebraska DMV to prove you carry at least the minimum coverage — the DMV won't accept your policy or ID card instead. It's required after revocations such as DUI and after suspensions for not having proof of insurance, and it has to stay on file for three years. The start date depends on the type of suspension — for a DUI revocation it's counted from the date you're eligible for reinstatement, and for a no-proof-of-insurance suspension from the date of the ticket. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.
It can. Nebraska's credit law limits how insurers use it: they can't deny, cancel, or non-renew solely on credit or base renewal rates only on credit, and medical collections can't count against you. You can also ask to be re-scored at renewal once a year. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
No. Nebraska requires both uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident on every policy, and there's no way to waive it. You can ask for higher limits in writing, and since motorcycle injuries can be serious, that's worth considering. We can help you pick the right limits.
Still have questions?
Call us at 877.725.1245
Nebraska Motorcycle Insurance Quotes in Minutes
Nebraska motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others.
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