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
State Requirements
Drivers with DUI convictions, license suspensions for violations, or caught driving uninsured must file SR-22 proof of financial responsibility with the Nebraska DMV for 3 years. Nebraska uses a point system where accumulating 12 or more points in a 2-year period triggers license suspension, but most point violations do not require SR-22 unless accompanied by a suspension or uninsured driving charge.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$216–$236/mo
Typical monthly rate in Nebraska, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Number of points on record: Nebraska assesses 1–6 points per violation; drivers near the 12-point suspension threshold face higher premiums
- Time since violation: Rate impact decreases annually as violations age; most violations lose premium impact after 3–5 years
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 stay on your record in Nebraska?
Nebraska requires SR-22 filing for 3 years from the date of license reinstatement or conviction, depending on the triggering offense. If your insurance lapses at any point during the 3-year period, your license is immediately suspended and the entire 3-year requirement restarts from the new filing date. The underlying violation (DUI, suspension, etc.) remains on your driving record for 5–12 years depending on offense type.
How many points until license suspension in Nebraska?
Nebraska suspends your license if you accumulate 12 or more points within a 2-year period. Points range from 1 point for minor violations like defective equipment to 6 points for reckless driving or DUI. Speeding tickets assess 1–3 points depending on speed over the limit, and at-fault accidents typically add 2–4 points.
How long do points stay on your license in Nebraska?
Points remain on your Nebraska driving record for 5 years from the date of conviction. However, insurance companies typically only surcharge for violations for 3–5 years, with rate impact decreasing each year. Most carriers stop applying premium increases after 3 years for minor violations and 5 years for major violations like DUI.
What insurance companies offer SR-22 in Nebraska?
Non-standard carriers like The General, Direct Auto, Progressive's high-risk division, Bristol West, and National General regularly file SR-22 in Nebraska. Most standard carriers (State Farm, Allstate, Farmers) either do not offer SR-22 or severely restrict eligibility. Working with an independent agent who specializes in high-risk coverage typically provides the most carrier options and competitive rates.
Can I get SR-22 removed early in Nebraska?
No, Nebraska's 3-year SR-22 requirement cannot be shortened or removed early regardless of clean driving during the filing period. The only way to end SR-22 filing is to maintain continuous coverage without lapse for the full 3 years. Once the requirement period ends, your insurer will stop filing SR-22 automatically, though you should verify with the DMV that the requirement has been satisfied.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Nebraska's 25/50/25 minimum is mandatory but often insufficient—serious accidents can easily exceed $25,000 per person in medical costs.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your liability exposure and your own vehicle damage. Required by lenders if you finance or lease a vehicle.
SR-22 Insurance
Electronic proof of financial responsibility filed by your insurer with the Nebraska DMV. Required for DUI convictions, uninsured driving, and license suspensions related to violations.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, multiple violations, SR-22 requirements, or license suspensions who cannot obtain standard market insurance. Often requires higher down payments or monitoring devices.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay for your injuries and damage. Nebraska requires insurers to offer UM coverage but allows drivers to reject it in writing.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident or collision with an object, regardless of fault. Required by lenders and recommended for vehicles worth more than $3,000–$5,000.