The state that took action against your driving privilege sets the obligation, and the policy is written where the vehicle is garaged. Living in Council Bluffs and working in Omaha usually means an Iowa filing on an Iowa-rated policy.
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Garaging is where the vehicle sits at night, not where you park during your shift, so a Council Bluffs resident commuting west is an Iowa risk on an Iowa policy even if every working hour happens in Nebraska. Where it gets genuinely complicated is a driver with citations on both sides of the river, which is not rare in a metro this integrated. Each state action is independent: an Iowa filing does not close a Nebraska obligation and a Nebraska filing does not close an Iowa one, and a driver can end up maintaining proof to both agencies at once. That situation is worth handling with a producer licensed in both states rather than one, and worth confirming directly with each agency rather than assuming one covers the other.