Motorcycle Insurance in Nebraska

Riding a motorcycle through Nebraska offers a thrilling mix of open highways, rural roads, and city traffic—but it also comes with unique risks that vary across the state. From the high-speed stretches of I-80 to the unpredictable weather sweeping across the Great Plains, Nebraska riders face challenges that make motorcycle insurance not just a legal requirement but a critical safeguard.

That’s why GEICO prides itself on offering well-rounded protection at affordable rates—so every rider in the state can secure the right coverage at the right price.

Is Motorcycle Insurance Required in Nebraska?

Yes, motorcycle insurance is required for all motorcyclists in Nebraska.

To register a motorcycle, riders must provide valid proof of insurance, either in paper or electronic form, to the county treasurer’s office. Operating a motorcycle without insurance is considered a serious offense and can result in penalties such as fines, suspension of both license and registration, and the requirement to file an SR-22 certificate for several years. Additionally, if a rider is caught without proof of insurance during a traffic stop or accident, their license and registration may be immediately suspended unless they can provide proof of coverage within a set timeframe.

Simply put: motorcycle insurance in Nebraska is legally mandated, and riding without it isn’t worth the risk.

Minimum Motorcycle Insurance Coverage Requirements in Nebraska

Coverage Type	What It Covers	Nebraska Minimum Limits
Bodily Injury Liability	Injuries to others in an accident	$25,000 per person / $50,000 per accident
Property Damage Liability	Property damage you cause	$25,000 per accident
Uninsured/Underinsured Motorist	Injuries if the other driver is uninsured	$25,000 per person / $50,000 per accident (if required)

Optional Motorcycle Insurance Coverages in Nebraska

While Nebraska’s state-required minimums offer a solid starting point for motorcycle insurance, many riders seek more extensive protection to cover a wider range of risks, like theft, vandalism, and custom parts coverage. That’s why GEICO provides a variety of optional add-ons, allowing policyholders to personalize their coverage to match their individual riding habits and lifestyle.

From collision and comprehensive coverage to equipment protection and emergency roadside service, GEICO makes it easy for riders to build the perfect plan tailored to their specific needs:

Collision coverage: Helps pay for repairs to your motorcycle after an accident, regardless of fault.
Comprehensive coverage: Covers damage from theft, vandalism, weather, or other non-collision events.
Emergency Roadside Service: Provides help if you’re stranded due to a flat tire, dead battery, or breakdown.
Emergency Roadside Service with trip interruption: Helps cover road travel costs if your motorcycle is rendered inoperable during a trip at least 100 miles away from your residence.
Transport trailer coverage: Provides comprehensive or collision coverage for trailers used to tow your motorcycle.
Stored gear: Up to $3,000 of coverage for gear stored on your motorcycle.
Safety riding apparel: Helps replace safety apparel damaged during a collision up to $3,000.
Total loss replacement: Provides the MSRP value of a new motorcycle of the same make and model in the event of a total loss of your covered motorcycle.

Discounts stack subject to minimum premium amounts that vary by product and by state.

How Much Does Motorcycle Insurance Cost in Nebraska?

In Nebraska, the average annual cost of motorcycle insurance is slightly below the national average. This modest advantage is influenced by factors like Nebraska’s relatively low theft rates, less dense traffic, and milder climate with seasonal riding.. However, it’s important to note that personal circumstances—such as your driving record and bike choice—play a much larger role in determining the exact premium any individual policyholder will pay.

Factors that can affect your motorcycle insurance rate include:

Age & Riding Experience: Younger or less experienced riders typically face higher rates, while rates tend to decrease as riders mature and gain clean riding histories.
Type and Value of Bike: High-performance or expensive motorcycles cost more to insure due to greater risk and repair expenses.
Location: Riders in urban areas may pay more because of higher traffic risk and theft rates; rural riders often benefit from lower premiums.
Driving and Claims History: Tickets or at-fault accidents increase your risk profile and can significantly raise premiums.
Coverage Selection & Deductibles: Broader coverage (like collision or comprehensive) and lower deductibles raise the cost, while higher deductibles lower premiums.

Fortunately, no matter how your personal circumstances are currently influencing your rate, there are a variety of ways you can secure more affordable motorcycle insurance. One of the easiest and most effective of which is by taking advantage of available discounts.

Discounts on Motorcycle Insurance in Nebraska

If you're looking for motorcycle insurance discounts, it doesn't get much better than GEICO. GEICO offers an extensive array of savings opportunities designed to help nearly every policyholder cut costs—whether it's by bundling multiple policies, renewing without a lapse in coverage, or completing an approved motorcycle safety course:

Motorcycle policy transfer: Up to 10% discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
Multiple motorcycles: Up to 10% discount if you insure more than one motorcycle.
Mature riders: Up to 10% discount for mature riders.
Insurance renewal: Up to 10% discount when you renew your motorcycle insurance with GEICO® Motorcycle.
Safety course: Up to 10% discount for completing a Motorcycle Safety Foundation or Military Safety Course.
Instructors: Up to 20% discount if you are a current Motorcycle Safety Foundation instructor.
Multi-policy: Up to 10% discount on your motorcycle policy if you also insure your car or RV with GEICO.
Paperless Discount: save on coverage when you switch to GEICO's paperless options.
Military Discounts: GEICO offers military discounts for active duty service members, retired military, and members of the National Guard or Reserves.
Home Ownership (No Bundle Required): get discount on your motorcycle insurance just for owning your home. This is different from multi-policy discount.

Why Choose GEICO for Motorcycle Insurance in Nebraska?

Even beyond its wide range of discounts, GEICO is the preferred insurer for motorcyclists across Nebraska for many other reasons.

Firstly, riders appreciate the flexibility GEICO offers through a wide range of policy options, coverage for many different types of bikes, and multiple payment plans to fit different budgets. GEICO also stands out for its strong customer support, including digital tools, responsive service, and a fast, hassle-free claims process. Combined with our long-standing reputation as one of the most reliable and trusted insurance providers in the industry, it's easy to see why so many Nebraska riders choose GEICO for their motorcycle coverage.

Get a Free Motorcycle Insurance Quote in Nebraska

Motorcycle insurance is essential for riders in Nebraska, providing crucial financial protection against the unique risks they face on the road, from unpredictable weather to varying traffic conditions across the state.

Every rider’s situation is different, so it’s important to carefully evaluate your personal needs and riding habits to choose the coverage that fits you best. Whether you opt for just the state-mandated minimums or prefer to enhance your policy with optional add-ons, having the right insurance ensures you can ride confidently and stay protected no matter where the road takes you.

Ready to take the first step toward securing your personalized motorcycle insurance policy? Obtaining a free quote from GEICO takes just a few minutes and can be done either online or by phone—get yours today!