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Nebraska SR-22 & High-Risk Auto Insurance

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 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.

Liability Insurance

Nebraska's 25/50/25 minimums are the legal floor but may not protect high-risk drivers from out-of-pocket costs in serious accidents. Many non-standard carriers require higher limits for drivers with recent at-fault accidents or DUI convictions to offset their underwriting risk.

Uninsured Motorist Coverage

Nebraska law requires insurers to offer uninsured and underinsured motorist coverage at the same limits as your liability policy, but you can reject it in writing. Declining this coverage increases your financial exposure if you're hit by an uninsured driver while still recovering from a previous violation.

SR-22 Insurance

SR-22 is not a separate insurance policy but a certificate your insurer files with the Nebraska DMV proving you carry at least minimum liability coverage. Not all carriers offer SR-22 filings in Nebraska, limiting your shopping options and often forcing you into the non-standard market.

Full Coverage

Full coverage combines Nebraska's mandatory liability minimums with collision and comprehensive protection for your own vehicle. Drivers with financed vehicles must carry full coverage regardless of their violation history, but rates for collision and comprehensive rise significantly after at-fault accidents.

Non-Standard Auto Insurance

Non-standard carriers specialize in insuring drivers with DUI convictions, multiple violations, lapses in coverage, or SR-22 requirements that standard insurers decline. These policies cost more but offer the only viable path to legal coverage for drivers who cannot access the standard market.

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

  • 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
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Coverage 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.

Find Your City in Nebraska

Omaha

urban

Lincoln

urban

Bellevue

suburban

Grand Island

urban

Kearney

urban

Fremont

suburban

Norfolk

urban

North Platte

urban