Nebraska SR-22 & High-Risk Auto Insurance
Nebraska requires 25/50/25 liability coverage and is an at-fault state.
Get SR-22 Quotes NowNebraska 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
SR-22 filing is required following DUI convictions, driving under suspension, multiple moving violations within 12 months, at-fault accidents without insurance, or license reinstatement after certain suspensions. High-risk drivers often need coverage above state minimums to satisfy SR-22 requirements and protect against liability exposure from prior incidents.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Comprehensive and Collision
Medical Payments 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
- Type of violation triggering SR-22 (DUI carries higher surcharges than point accumulation)
- Time since violation occurred (rates decrease as violations age past 3–5 years)
- Number of incidents on record (multiple DUIs or at-fault accidents compound surcharges)
- Credit-based insurance score where allowed (poor credit combined with high-risk violations further increases rates)
Get Your SR-22 Even Without a Car
Get SR-22 Quotes NowIf 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 in Nebraska?
Nebraska requires SR-22 filing for 3 years from the date the DMV specifies in your reinstatement order, typically starting when you pay fines and refile after a suspension. The clock resets if your policy lapses at any point during the 3-year period. Once you complete the full requirement without lapses, your insurer notifies the DMV and you can switch to a standard policy if eligible.
Which insurance companies offer SR-22 in Nebraska?
Non-standard carriers that regularly file SR-22 certificates in Nebraska include Progressive, The General, National General, and Direct Auto. Many standard insurers like State Farm, Allstate, and Farmers either decline SR-22 business entirely or non-renew policies after DUI convictions, forcing drivers into the non-standard market. Independent agents specializing in high-risk coverage can access multiple non-standard carriers to compare rates.
Does Nebraska require SR-22 for reckless driving?
Nebraska may require SR-22 filing for reckless driving depending on the circumstances and whether it resulted in license suspension, but it is not automatic for all reckless convictions. The DMV typically mandates SR-22 for repeat violations, reckless driving causing injury, or if the conviction leads to point accumulation exceeding 12 points within 2 years. Check your suspension notice or contact the Nebraska DMV to confirm if SR-22 is required in your case.
Coverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your carrier to prove continuous coverage to the Nebraska DMV. Required for 3 years following DUI convictions, suspensions, or uninsured accidents. Your insurer files the SR-22 electronically and must report any lapse within 15 days.
Non-Standard Auto Insurance
Coverage designed for drivers unable to obtain policies from standard carriers due to DUIs, suspensions, multiple violations, or SR-22 requirements. Non-standard insurers specialize in high-risk profiles and offer flexible payment plans.
Liability Insurance
Mandatory coverage in Nebraska that pays for injuries and property damage you cause to others in an at-fault accident. Minimum limits are 25/50/25, but higher limits protect assets and future earnings if you cause a serious accident.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if you're hit by a driver without insurance or with insufficient coverage. Nebraska mandates UM/UIM at 25/50 unless rejected in writing, but higher limits provide better protection.
Full Coverage Insurance
Combination of liability, collision, and comprehensive coverage that protects both your legal exposure and your vehicle. Required by lenders for financed or leased vehicles and recommended for cars worth more than $5,000.
High-Risk Auto Insurance
Umbrella term for coverage provided to drivers with DUIs, suspensions, at-fault accidents, lapses, or SR-22 requirements. Carriers assess risk using violation type, frequency, and recency to calculate premiums.