Minimum Coverage Requirements in Nebraska
Nebraska requires liability coverage of at least 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Drivers with DUI convictions, license suspensions for point accumulation, at-fault accidents without insurance, or driving under suspension must file SR-22 certification with the Nebraska Department of Motor Vehicles. Nebraska uses a point system that suspends driving privileges at 12 points in a 2-year period, triggering SR-22 requirements for reinstatement. Most standard violations like speeding tickets add points to your record but do not trigger SR-22 unless they result in suspension.
Meeting the state minimum keeps you legal. See whether it's enough — get your Nebraska quote.
Get your Nebraska quoteHow Much Does Car Insurance Cost in Nebraska?
High-risk auto insurance in Nebraska costs significantly more than standard coverage due to violation-based risk classifications. DUI convictions typically result in the highest increases—200–300% above baseline rates—while at-fault accidents and multiple speeding tickets generate 40–80% increases. Rates decline gradually as violations age off your driving record, with most carriers reassessing risk annually.
What Affects Your Rate
- Type of violation: DUI convictions generate the highest surcharges, typically 200–300% over standard rates, while single at-fault accidents increase rates 40–70%
- Time since violation: Rates begin declining 3 years after a DUI and drop significantly after 5 years; speeding tickets typically stop affecting rates after 3 years
- Nebraska point system: Accumulating points from multiple violations compounds rate increases; 12 points in 2 years triggers suspension and SR-22 requirements
- SR-22 filing status: The filing itself costs $15–$35, but having an active SR-22 requirement signals high risk to all carriers and limits your market to non-standard insurers
- Coverage level selected: Collision and comprehensive premiums rise sharply after at-fault accidents; choosing liability-only can save $70–$150/mo if you own your vehicle outright
- Non-standard vs. standard market access: Drivers with clean records for 3+ years may requalify for standard carriers at 30–50% lower rates than non-standard market pricing
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Pays for injuries and property damage you cause to others in an at-fault accident. Nebraska requires 25/50/25 minimums, but these limits may not cover the full cost of a serious crash.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both other drivers and your own vehicle. Required by lenders if you finance or lease your car.
SR-22 Insurance
A certificate filed by your insurer proving you carry minimum liability coverage, required by the Nebraska DMV after DUI, suspension, or uninsured accidents. The SR-22 itself is not insurance but a compliance document.
Non-Standard Auto Insurance
Policies designed for drivers with DUI convictions, multiple violations, lapses, or SR-22 requirements who cannot access standard carriers. Higher premiums reflect elevated underwriting risk.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance or insufficient coverage to pay for your injuries and damages. Nebraska does not require this coverage but insurers must offer it.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or collision with an object, minus your deductible. Not required by Nebraska but mandated by lenders for financed vehicles.
