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Nebraska SR-22 Insurance & High-Risk Auto Coverage

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

Yes

A defensive driving course can reduce points on your record

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Nebraska

Drivers with DUI convictions, license suspensions for violations, at-fault accidents while uninsured, or multiple serious offenses typically must file SR-22 proof of insurance with the Nebraska Department of Motor Vehicles. High-risk drivers often need coverage above state minimums to meet SR-22 requirements and protect against out-of-pocket liability costs. Driving without continuous coverage during the SR-22 period resets the filing clock and can result in additional suspension time.

Liability Insurance

Nebraska's 25/50/25 minimums are the legal floor, but these limits leave high-risk drivers exposed to major out-of-pocket costs in serious accidents. Many SR-22 filers carry 50/100/50 or 100/300/100 limits to reduce lawsuit risk and demonstrate financial responsibility to the court or DMV.

SR-22 Insurance

SR-22 is not a separate policy—it's a certificate your insurer files with the Nebraska DMV proving you carry at least minimum liability coverage. Most DUI and suspension cases require 3 years of continuous SR-22 filing, and any lapse in coverage resets the entire period.

Non-Standard Auto Insurance

Drivers with DUI convictions, multiple violations, or suspended licenses typically need non-standard or high-risk carriers that specialize in SR-22 filings. Nebraska has several regional and national non-standard carriers that write SR-22 policies for high-risk profiles.

Uninsured Motorist Coverage

Nebraska does not mandate uninsured/underinsured motorist coverage, but high-risk drivers should consider it given the state's uninsured driver rate. If you're hit by an uninsured driver while carrying SR-22, you're still responsible for maintaining continuous coverage—and UM/UIM protects you from paying out-of-pocket for another driver's lack of insurance.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance to protect both your legal obligations and your vehicle. While not legally required unless you have a loan or lease, full coverage is common among high-risk drivers who need to prove financial stability or who drive newer vehicles.

What Drivers Pay in Nebraska

$216–$236/mo

Typical monthly rate in Nebraska, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Type of violation: DUI produces the largest rate increases, followed by reckless driving, suspensions, and uninsured accidents
  • Length of time since violation: Rates decrease gradually over 3–5 years as the incident ages off your record
  • Carrier type: Non-standard insurers specializing in SR-22 filings may offer lower rates than standard carriers reluctant to write high-risk policies
  • Credit and payment history: Some high-risk carriers use credit-based insurance scores; others focus purely on driving record and require upfront payment or higher deposits
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Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Required by law and foundational to any SR-22 filing in Nebraska.

SR-22 Filing

Certificate proving continuous coverage filed with the Nebraska DMV. Required for DUI, suspensions, and uninsured accidents.

Non-Standard Auto Insurance

Specialized coverage from carriers that underwrite high-risk drivers standard companies decline or won't file SR-22 for.

Full Coverage

Liability plus collision and comprehensive. Protects your vehicle and meets lender requirements if you're financing or leasing.

Uninsured Motorist Coverage

Pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient limits.

Collision Coverage

Pays to repair or replace your vehicle after an accident, regardless of fault. Requires a deductible of $500–$2,000.

Find Your City in Nebraska

Omaha

urban

Lincoln

urban

Bellevue

suburban

Grand Island

urban

Kearney

urban

Fremont

suburban

Norfolk

urban

North Platte

urban