Updated April 2026
State Requirements
Nebraska requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. 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.
Cost Overview
High-risk auto insurance in Nebraska costs significantly more than standard policies, with rates varying by violation type, location, age, and driving history. DUI convictions typically increase premiums by 80–150%, while at-fault accidents raise rates by 40–70%. Non-standard carriers that specialize in high-risk drivers—such as Progressive, The General, and Dairyland—often offer lower rates than assigned risk pools, but all high-risk policies cost substantially more than preferred rates.
What Affects Your Rate
- Violation type: DUI convictions carry higher surcharges (80–150%) than at-fault accidents (40–70%) or speeding tickets (15–30%)
- 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
- Location: Omaha and Lincoln drivers pay 20–35% more than rural Nebraska due to higher accident frequency, theft rates, and uninsured motorist claims
- Age and experience: Drivers under 25 with violations face compounded surcharges, often paying 2–3 times standard high-risk rates
- Coverage level: Increasing liability from 25/50/25 to 100/300/100 raises premiums 15–25%, but comprehensive and collision coverage can double total policy costs
- Credit-based insurance score: Nebraska allows insurers to use credit history in underwriting—poor credit combined with a DUI can increase rates by 100–200% over high-risk drivers with good credit
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Get Your Free QuoteCoverage 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.
