Updated March 2026
State Requirements
Nebraska requires minimum liability coverage of 25/50/25: $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. The state also mandates $25,000/$50,000 uninsured/underinsured motorist coverage unless explicitly waived in writing. 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.
Cost Overview
High-risk auto insurance in Nebraska costs substantially more than standard rates due to violation surcharges, carrier restrictions, and SR-22 filing requirements. A driver with a clean record in Nebraska pays an average of $950–$1,400 annually for minimum liability, while the same coverage with an SR-22 requirement following a DUI averages $2,200–$4,500 depending on age, location, and insurer. Rates decrease gradually as violations age beyond 3–5 years, but the SR-22 filing period itself does not reduce premiums until it expires and the underlying violation drops off your record.
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)
- Age and gender (drivers under 25 with SR-22 requirements pay 30–60% more than older drivers)
- City of residence (Omaha and Lincoln drivers pay 15–25% more than rural Nebraska due to accident frequency)
- Credit-based insurance score where allowed (poor credit combined with high-risk violations further increases rates)
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Coverage Options
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Frequently Asked Questions
Sources
- Nebraska Department of Motor Vehicles – Financial Responsibility and SR-22 Requirements
- Nebraska Department of Insurance – Minimum Auto Insurance Coverage Standards
- National Association of Insurance Commissioners – High-Risk Auto Insurance Data