Updated March 2026
State Requirements
Nebraska requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. 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.
Cost Overview
High-risk auto insurance premiums in Nebraska average $2,400–$4,800 annually for drivers with DUI convictions, SR-22 requirements, or major violations, compared to $1,200–$1,800 for clean-record drivers. Drivers with minor point violations like speeding tickets or single at-fault accidents typically see rate increases of 20–40% for 3–5 years until the violation ages off. Premium impact varies significantly by violation type, number of points assessed, and whether SR-22 filing is required.
What Affects Your Rate
- Violation type: DUI increases premiums 80–150%, reckless driving 60–100%, speeding tickets 15–30%, at-fault accidents 20–50%
- Number of points on record: Nebraska assesses 1–6 points per violation; drivers near the 12-point suspension threshold face higher premiums
- SR-22 filing requirement: Adds $800–$2,400 annually beyond base premium increases from the underlying violation
- Time since violation: Rate impact decreases annually as violations age; most violations lose premium impact after 3–5 years
- Carrier type: Non-standard insurers charge 40–120% more than standard market but offer better availability for recent major violations
- Urban vs rural location: Omaha and Lincoln drivers pay 15–25% more than rural Nebraska due to higher accident and theft rates
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Frequently Asked Questions
Sources
- Nebraska Department of Motor Vehicles - SR-22 Requirements and Financial Responsibility
- Nebraska Department of Insurance - Auto Insurance Minimum Requirements
- Nebraska Revised Statutes §60-4,184 through §60-4,187 - Financial Responsibility and SR-22
- Nebraska Point System - Administrative License Revocation