Nebraska SR-22 & High-Risk Auto Insurance
Nebraska requires 25/50/25 liability coverage and is an at-fault state.
Find SR-22 Coverage 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
The state mandates SR-22 filing for drivers convicted of DUI, driving without insurance, repeat serious violations, and license suspensions. High-risk drivers often need higher limits than state minimums to satisfy court orders or reduce future liability exposure. Nebraska is a tort state, meaning at-fault drivers can be sued beyond policy limits.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$235–$356/mo
Typical monthly rate in Nebraska, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Years since violation: Rates decrease as DUI and major violations age beyond 3–5 years
- License status: Suspended or revoked licenses require reinstatement fees and proof of SR-22 before coverage can be issued
- Coverage lapses: Gaps in coverage signal higher risk to insurers and increase premiums significantly
- Location: Urban areas like Omaha and Lincoln have higher rates due to accident frequency and theft rates
- Vehicle type: Newer or high-value vehicles cost more to insure for high-risk drivers due to increased collision and comprehensive risk
See What Your SR-22 Should Really Cost
Find SR-22 Coverage 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 after a DUI?
Nebraska requires SR-22 filing for 3 years from the date of filing or license reinstatement following a DUI conviction. If your policy lapses at any point during the 3-year period, the requirement restarts from the date you file a new SR-22 certificate. Continuous coverage is mandatory to avoid license suspension and additional penalties.
Which insurance companies offer SR-22 in Nebraska?
Non-standard carriers such as The General, Direct Auto, Acceptance Insurance, and Progressive specialize in high-risk SR-22 policies in Nebraska. Standard carriers like State Farm and Nationwide may offer SR-22 filing for existing customers depending on violation severity. Rates and eligibility vary by carrier, so comparing multiple quotes is essential for high-risk drivers.
Do I need SR-22 if I get a DUI in another state but live in Nebraska?
Yes. If you are convicted of DUI in another state but hold a Nebraska driver's license, you must file SR-22 with the Nebraska DMV to reinstate your license. Nebraska participates in the Driver License Compact, meaning out-of-state DUI convictions are reported to your home state and trigger the same SR-22 and suspension requirements as an in-state offense.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Nebraska requires 25/50/25 minimums, but high-risk drivers often need higher limits to satisfy court orders or reduce lawsuit exposure.
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage to the Nebraska DMV. Required for 3 years following DUI, uninsured driving, or serious violations.
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Approximately 11% of Nebraska drivers are uninsured, increasing your risk of out-of-pocket costs after an accident.
Collision Coverage
Pays for damage to your vehicle after an accident regardless of fault. Required by lenders if your vehicle is financed or leased, but optional otherwise.
Comprehensive Coverage
Covers non-collision damage like theft, hail, vandalism, and animal strikes. Required by lenders but not by Nebraska law.
Non-Standard Auto Insurance
Coverage designed for drivers turned down by standard insurers due to DUIs, violations, accidents, or lapses. Non-standard carriers specialize in high-risk underwriting and SR-22 filing.