Nebraska motorcycle insurance

Q: What's the best motorcycle insurance in Nebraska?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Omaha, Lincoln, Kearney, or anywhere else in the Cornhusker State, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Nebraska for bikers, so you can ride protected without hurting your wallet.

Nebraska offers motorcycle riders long stretches of interstate and winding historic byways just off the beaten path. Progressive offers personalized motorcycle coverage throughout the Cornhusker State plus plenty of discounts, so bikers can enjoy reliable and affordable protection. Find out everything you need to know about motorcycle insurance in Nebraska.

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What are the minimum requirements for motorcycle insurance in Nebraska?

Nebraska motorcycle insurance laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won’t cover damage to your own bike but may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Property damage liability	What it coversDamage you cause to others in an accident	Minimum amount$25,000 per accident
Uninsured/underinsured motorist bodily injury	What it coversInjuries to you and your passengers	Minimum amount$25,000 per person $50,000 per accident

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are often required if you're financing or leasing your motorcycle. If not, these coverages are optional. But we know how important motorcycles are to their owners. Comprehensive coverage can protect your prized possession, as it may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Nebraska?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Nebraska with liability coverage only was $211.53.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Nebraska?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Omaha, Lincoln, Kearney, or anywhere else in the Cornhusker State, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Nebraska for bikers, so you can ride protected without hurting your wallet.

You can decrease the cost of motorcycle insurance in Nebraska with motorcycle insurance discounts, such as:

Multi-policy discount
Advanced quote discount
Harley-Davidson Owner Group (HOG) association discount
Motorcycle license/endorsement discount
Responsible driver discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Nebraska

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage : Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Nebraska

As of January 1, 2024, individuals may ride without a helmet in the state of Nebraska if they are 21 years or older, wear eye protection, and complete a state-approved motorcycle safety course.
Nebraska state law requires all motorcycle operators to have a Class M license or Class M endorsement.
Lane splitting is illegal in Nebraska. Nebraska law states "no person shall operate motorcycle between lanes of traffic or between adjacent lines or rows of vehicles."
Check out the top scenic motorcycle rides in Nebraska and see how this state offers a unique journey through the Heartland of America.