Motorcycle Insurance Minimum Requirements in Nebraska

All state residents who ride must, by law, maintain proof of financial responsibility. Most riders honor this obligation with liability insurance.

Ways to Establish Financial Responsibility

To meet the state's insurance requirements and prove you're financially responsible for the damages your motorcycle might cause in an accident, you must protect your bike with one of the following coverages:

• A certificate of self-insurance. You must have a minimum of 26 vehicles registered under your name to qualify for this option.

• A surety bond with a company authorized to operate in Nebraska, or a bond with at least two individual sureties who each own real estate within the state.

• A cash deposit in the amount of $75,000 with the State Treasurer.

• A liability insurance policy.

Two-Wheeled Vehicles Defined

If you're unsure about whether you need to register your bike with the state, which would then mean it requires insurance, you can call the Department of Motor Vehicles (DMV) at (402) 471-3918.

For clarity's sake, the state defines a two-wheeled vehicle as:

• Motorcycle―Any motor vehicle having a seat or saddle for the use of the operator and designed to travel on not more than three wheels in contact with the ground.

• Motor Scooter―Basically, the state thinks of motor scooters as small motorcycles. If your motor scooter has an engine size of at least 45 cc and tires bigger than 14 inches, you must title and register it.

• Moped―A moped has an engine of 50 cc or less, or is human-powered with pedals, and can't travel faster than 30 mph. You don't have to title or register a moped.