Nebraska SR-22 & High-Risk Auto Insurance Guide
Nebraska requires 25/50/25 liability coverage and is an at-fault state.
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Nebraska at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
The state mandates SR-22 filing for specific violations including DUI convictions, driving without insurance, license suspensions for points accumulation, and at-fault accidents while uninsured. Uninsured/underinsured motorist coverage is required at the same limits as liability unless rejected in writing. High-risk drivers should expect most carriers to require full coverage if financing a vehicle, and state minimums rarely provide adequate protection after a major violation.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
Cost Overview
$15–$34/mo
Typical monthly rate in Nebraska, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- Time since violation: Premiums decrease gradually as violations age off your record—most surcharges drop after 3 years, with full rate recovery after 5–7 years
- Age and experience: Drivers under 25 with violations face compounded surcharges, often paying 2–3 times standard high-risk rates
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Employment Driving Permit (EDP, §60-4,129) for point/support suspensions; Ignition Interlock Permit (IIP) for DUI/ALR
application fee $50.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 insurance in Nebraska?
Nebraska requires SR-22 filing for 3 years from the date of license reinstatement or conviction, depending on the violation. The 3-year clock does not start until you reinstate your license and file the SR-22 certificate. If your policy lapses at any point during the 3-year period, the Nebraska DMV suspends your license and you must restart the entire 3-year requirement from the new reinstatement date.
When do high-risk insurance rates go back down in Nebraska?
Most violation surcharges decrease gradually over 3 years and drop off entirely after 5–7 years. DUI convictions remain on your Nebraska driving record for 12 years but typically affect insurance rates for only 5–7 years. At-fault accidents impact premiums for 3–5 years, while speeding tickets affect rates for 3 years. Even after your SR-22 requirement ends at 3 years, the underlying violation continues to affect your rates until it fully ages off your record.
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others in an accident. Required throughout your SR-22 filing period and the minimum foundation for any legal policy in Nebraska.
SR-22 Filing
Certificate of financial responsibility filed by your insurer to prove continuous coverage to the Nebraska DMV. Required for 3 years after DUI, uninsured driving, or license suspension.
Uninsured/Underinsured Motorist Coverage
Covers your medical bills and vehicle damage if you're hit by a driver with no insurance or insufficient coverage. Required in Nebraska unless rejected in writing.
Comprehensive Coverage
Pays for vehicle damage from theft, vandalism, hail, weather, and animal collisions. Required if you finance or lease your vehicle.
Collision Coverage
Covers your vehicle damage after an at-fault accident, regardless of fault. Required by lenders but optional if you own your car outright.
Non-Standard Auto Insurance
Policies designed for high-risk drivers who cannot secure coverage through preferred carriers. Offered by specialists like Progressive, The General, Dairyland, and state assigned risk pools.