Updated April 2026
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.
How 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
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Sources
- Nebraska Department of Motor Vehicles - SR-22 Requirements and Point System
- Nebraska Revised Statutes Chapter 60 - Motor Vehicle Insurance Requirements
- Nebraska Department of Insurance - Consumer Guide to Auto Insurance