Nebraska motorcycle insurance

Illustration of Scotts Bluff National Monument in NebraskaIllustration of Scotts Bluff National Monument in Nebraska

Nebraska offers motorcycle riders wide-open skies, boundless prairies, and daring cliffs. But before you cruise through the state’s vast rolling plains, make sure you have adequate motorcycle insurance to cover you and your bike. You’ll want to know the state’s motorcycle laws, too.

What’s required of all motorcycle riders in Nebraska?

To legally operate a motorcycle in Nebraska, you must be at least 17 years old and hold a Class M license. The state also requires all motorcycle riders to observe the following rules:

  • Helmets: If you’re operating or riding on a motorcycle in Nebraska, you’re required to wear a DOT-approved helmet when the bike is in motion. We can help find the right type of helmet for you.

  • Passengers: To carry a passenger on your motorcycle, the bike must be designed to carry more than one person and have footrests for the passenger.

  • Riding position: You can only ride your motorcycle when seated astride it and facing forward.

  • Lane splitting: You’re not allowed to ride between lanes of traffic or between adjacent lines or rows of motor vehicles.

  • Handlebars: Your handlebars can’t be more than 15 inches above the handlebar mounting point.

  • Horn: Your motorcycle must have a horn that’s audible for at least 200 feet.

  • Brakes: Your motorcycle must have at least one functional brake on one wheel.

  • Lights: Your bike is required to have one or two headlamps, as well as a taillight visible from at least 500 feet.

Illustration of a rider on a motorcycle

What are the motorcycle insurance requirements in Nebraska?

Like most states, Nebraska has minimum motorcycle insurance coverage requirements. Here’s what you need in Nebraska:

Liability coverage

  • $25,000 for bodily injury liability or death of one person

  • $50,000 for bodily injury liability or death of two or more persons

  • $25,000 for property damage liability

Uninsured/Underinsured motorist coverage

  • $25,000 for bodily injury to one person

  • $50,000 for bodily injury to two or more persons

Illustration of the Nebraska state map

Checking our Carhenge by bike?

Read our motorcycle insurance coverage recommendations before starting your trip.

Illustration of Nebraska

Are optional motorcycle insurance coverages available in Nebraska?

Yes. If damages exceed your minimum insurance coverage in an accident, you’ll have to pay for the extra expenses out of pocket. That’s why we offer optional coverages in Nebraska, including:

Collision coverage

When your motorcycle is involved in a collision with another vehicle or a stationary object—or even if it just tips over and is damaged—your collision coverage can help pay for the resulting costs of the damage.

Comprehensive coverage

If your motorcycle is damaged by something other than a collision, comprehensive motorcycle insurance can help you pay for repairs and other costs. This coverage frequently applies following incidents like theft, vandalism, and weather events like hailstorms.

Medical payments coverage

Medical payments coverage can help pay for the costs of medical coverage if you and your passengers sustain bodily injuries, regardless of who was at fault in the accident that led to the injuries.

Illustration of someone thinking about a question

Confused by coverages?

Illustration of a desk with a computer, phone, calendar and lamp

How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

Illustration of the number one in a circle

Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

Illustration of the number two in a circle

Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

Illustration of the number three in a circle

Select the coverages you want.

Nebraska motorcycle insurance discounts

We offer a range of motorcycle insurance discounts to help you find even more value in your coverage. Check out the list of discounts below, all of which are available in Nebraska, and talk to your Dairyland® agent to see which ones you may qualify for.

  • Multi-vehicle

  • Operator safety course

  • Rider group

  • Transfer

  • Loyalty

  • Harley Owners Group (H.O.G.) member

Sites to see in Nebraska

Nebraska, known as the Cornhusker State, has a lot to offer motorcycle riders. Geological formations, manmade attractions, and over 20,000 square miles of dunes known as the Sandhills are just some of the sites you can check out on your motorcycle when you’re in Nebraska.


Built by Jim Reinders in 1987 to commemorate his father’s death, Carhenge is a replica of England’s Stonehenge—but instead of stones, it was constructed using old cars. The unique structure attracts visitors from around the world. Carhenge is open daily all year round from morning to evening.

Toadstool Geologic Park and Campground

Also known as the Moonscape of the Badlands, Toadstool Geologic Park is famous for its abnormal rock formations resembling toadstools or mushrooms. It’s also an amazing place for you and your friends to hike. Some trailheads are accessible by motorcycle while others can only be reached on foot.

Nebraska has trails to ride, and we have coverage for your ATVs, UTVs, dirt bikes, and snowmobiles. Make sure your rides are covered with Nebraska off-road vehicle insurance.

Get a Nebraska motorcycle insurance quote

Dairyland provides reliable motorcycle insurance in Nebraska for all types of bikes. Learn more and get started by entering your information below or calling us at 866-324-7952.

Encuentra Tu Seguro