Cheap SR-22 Insurance in Nebraska From $30
Auto-Owners offers the cheapest rates for SR-22 holders, at $30 per month.
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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Updated November 21, 2024
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Table of contents
If authorities catch you driving under the influence or without insurance in Nebraska, you’ll need to get an SR-22 certificate. This document provides the Nebraska Department of Motor Vehicles (DMV) with proof that you meet the state’s minimum liability insurance requirements.
Here’s how to find car insurance with an SR-22 certificate.
Quick Facts
You may require an SR-22 if your license is revoked due to the accumulation of too many points, a court-ordered revocation, or another administrative action.
The SR-22 must remain on file with the DMV for three years from the date of eligibility for reinstatement.
A lapse in SR-22 coverage can result in the suspension of your driver’s license.
Cheapest companies for SR-22 insurance in Nebraska
If you have to get an SR-22 in Nebraska, you can expect higher insurance premiums. But it’s still possible to find reasonable coverage. The table below lists some cheap auto insurance companies to consider.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $30 | $48 |
| American Family | $42 | $65 |
| USAA | $46 | $73 |
| GEICO | $48 | $76 |
| Allstate | $51 | $80 |
| State Farm | $52 | $86 |
| Clearcover | $59 | $105 |
| National General | $67 | $146 |
| Nationwide | $70 | $110 |
| Progressive | $75 | $119 |
| Safeco | $80 | $179 |
| AssuranceAmerica | $83 | $138 |
| Farmers | $86 | $137 |
| Shelter | $88 | $140 |
| Dairyland | $116 | $267 |
| Foremost | $125 | $317 |
| The General | $131 | $334 |
| Liberty Mutual | $139 | $261 |
| Bristol West | $140 | $322 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What is SR-22 insurance in Nebraska?
An SR-22 isn’t technically insurance. Rather, it’s a certificate of financial responsibility proving that you meet the minimum liability insurance requirements in your state.
In Nebraska, minimum liability amounts include:[1]
$25,000 of bodily injury liability to or death of one person per accident
$50,000 of bodily injury liability to or death of two or more people per accident
$25,000 of property damage liability per accident
Only certain Nebraska drivers need to carry an SR-22 form — including those who’ve had the state suspend or revoke their license due to racking up too many points, a court-ordered revocation, DUI, or driving without insurance. Even if you don’t own a car but get a violation, you have to purchase a non-owner SR-22 insurance policy.
If you need an SR-22 filing, it’s up to you to notify your insurance company. You or your insurance company are also responsible for mailing, electronically submitting, or personally delivering your SR-22 to the DMV.
The form includes:
Name
Address
Valid insurance policy number
Name of insurance company
Effective date and certification date of policy
You also need the document signed by someone authorized by the DMV.
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Difference between SR-22 and FR-44
An SR-22 and FR-44 are both certificates of insurance that high-risk drivers need to prove they have the necessary insurance.
While an SR-22 provides proof that you meet the minimum insurance requirements in your state, an FR-44 form requires higher liability coverage than the minimum requirements.
An FR-44 is only available in Florida and Virginia and used only in the most serious offenses.
Nebraska drivers don’t need to worry about an FR-44 unless they move to Florida or Virginia.
When you need SR-22 insurance
You’ll only need an SR-22 form if you have a high-risk driving violation on your record.
Some specific examples of driving offenses that may require an SR-22 include driving under the influence (DUI), driving without insurance, driving with a suspended license, or having too many accidents on your record.
How to get SR-22 insurance in Nebraska
If you need to get an SR-22 certificate in Nebraska, follow these steps:[2] [3]
1. Surrender your license
Surrender your Nebraska driver’s license to the downtown Lincoln DMV office only at 301 Centennial Mall South. If you lost your license or no longer have it, you can sign an affidavit of lost license.
2. Complete a driver improvement course
The DMV must approve the course, and it must consist of at least four hours of instruction. You have to complete the course after the date of revocation. Submit your DMV Certificate of Completion electronically.
3. Notify your insurer
Call your insurance company to confirm it offers SR-22s. Not all insurance companies in Nebraska offer this service.
4. Secure coverage
Satisfy the coverage requirements the SR-22 outlines. If your insurance company doesn’t provide SR-22s, look for a new insurer. Compare multiple companies to find the company that fits your needs and budget.
5. Complete the SR-22 form
This includes your name, address, valid policy number, the name of your insurance company, the effective date and certification effective date of your policy, and a signature authorized by the DVM.
6. Pay the fee
A $125 reinstatement fee is applicable in Nebraska. You can use a cashier’s check or money order payable to the DMV, or you can pay online or by mail.
Submit the SR-22
You or your insurance company can mail, transfer, or deliver the document in person. The DMV won’t accept a fax or photocopy.
How long Nebraska requires SR-22 insurance
The form must remain on file for three years for Nebraska drivers requiring an SR-22 due to point revocation, no proof of insurance, or other court-ordered revocations. A lapse or cancellation of your SR-22 during the three-year term can result in the suspension of your license and driving privileges.[4]
The length of time the Nebraska DMV requires SR-22 insurance for can also vary depending on certain circumstances. For example, if you have an employment drive permit or medical hardship permit, you’ll require an SR-22 on file until the permit expires.
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How SR-22 insurance affects driving record and future rates in Nebraska
Your driving record is one of the factors insurers consider when calculating your insurance premiums. Since SR-22s are given to high-risk drivers, you can expect your insurance premiums to increase.
If you want to work on improving your driving record and lower your auto insurance rates while having SR-22 insurance, consider the following tips:
Increase your deductible. Your deductible is the amount of money you have to pay out of pocket before your insurance kicks in. Increasing your deductible can lower your monthly premiums. Before making a change, make sure you can afford to pay a higher deductible if you need to submit a claim.
Look for discounts. Most insurance companies offer a variety of discounts that can help you to save. Examples include bundling discounts, defensive driving discounts, good student discounts, and loyalty discounts.
Compare insurance companies. Different insurance companies offer different premiums and discounts. Before you choose an insurer, compare multiple companies to see which one fits your needs and budget.
Nebraska SR-22 insurance FAQs
If you’re still looking for more information about SR-22 insurance in Nebraska, check out the additional information below.
How do you know if you need an SR-22?
In Nebraska, drivers need an SR-22 form if they have a suspended or revoked license due to the accumulation of too many points, a court-ordered revocation, or another administrative action.
Are there any fees with SR-22 insurance?
You may have to pay a filing fee to your insurance company when you get an SR-22. The amount may vary between insurers. If you need your license reinstated, you must pay a $125 fee to the Nebraska DMV.
How much do car insurance rates increase after filing an SR-22?
It varies. The amount your car insurance coverage will increase after filing an SR-22 depends on a variety of factors, including your age, driving record, and ZIP code. To get a better idea of how much insurance will cost, you can compare quotes from multiple companies.
How long do you have to hold an SR-22 in Nebraska?
In Nebraska, you typically have to hold onto an SR-22 for three years. The time can vary based on why you require an SR-22. If you have a lapse in coverage, you may need to restart your time requirement.
How do you get rid of an SR-22 in Nebraska?
After holding an SR-22 for three years or the time indicated by the Nebraska DMV, you can contact your insurance company to have it removed.
What happens to your SR-22 in Nebraska if you move?
You must maintain your SR-22 filing as indicated by the Nebraska DMV, whether you live in Nebraska or not.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Nebraska
Sources
- Nebraska DMV. "NEBRASKA COUNTY TREASURER’S MANUAL R E G I S T R A T I O N."
- Nebraska Department of Motor Vehicles. "SR-22 For Revocations/Suspensions."
- Nebraska Department of Motor Vehicles. "Point Revocations."
- Nebraska Department of Motor Vehicles. "Insurance Cancellation Suspensions."
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Jessica Martel
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
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