SR-22 insurance in Nebraska is not an insurance policy. Rather, it’s a certificate proving financial responsibility that some drivers must submit to the state. It’s necessary for individuals who are found guilty of specific driving offenses, including DUI, driving without insurance and reckless driving.
Your insurer files an SR-22 form with the Nebraska DMV to verify that your policy meets the state’s minimum liability coverage requirements. This form is typically required when you need to reinstate driving privileges after they were revoked or suspended due to violations. You must maintain continuous coverage throughout the specific period for compliance with the court or DMV.
This guide provides an overview of what SR-22 insurance covers in Nebraska and how it can influence your annual premiums.
Who needs an SR-22 in Nebraska?
In Nebraska, if your driver’s license gets suspended or revoked because of certain violations, you might need SR-22. It is a form that proves you have car insurance.
Here are some reasons why a driver might need an SR-22:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
The SR-22 requirement in Nebraska typically lasts 3 years, although it can vary depending on the violation. You must maintain at least the minimum car insurance coverage required by Nebraska laws during this period.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Nebraska?
To obtain SR-22 insurance in Nebraska, you must first get a car insurance policy. Then, the insurance company will submit an SR-22 form to the Department of Motor Vehicles (DMV) on your behalf.
Getting the right car insurance:
- Contact your current insurance provider: Many insurers can handle SR-22 filings, but remember that your rates may change. It’s important to confirm whether they offer an SR-22 and if it will affect your premiums.
- Shop for quotes: It’s important to compare quotes from different insurers that offer SR-22 coverage. Disclose your need for an SR-22 so you get accurate estimates.
- Meet state minimum liability limits: Make sure that your coverage meets Nebraska’s required minimums, which is 25/50/25.
Filing the SR-22:
- Inform your insurance company about your SR-22 requirement. They will take care of the paperwork and file the form with the DMV for you.
- Pay the fees. There will be a filing fee for the SR-22 from your insurer and the increased premiums due to your high-risk status.
- Maintain continuous coverage. Make sure there is no lapse in the insurance coverage to avoid license suspension by the DMV.
Having an SR-22 may increase your car insurance costs because it signifies a riskier driver. To minimize the impact, compare quotes from different insurers and focus on safe driving habits to get lower rates in the future.
Discover your options for getting SR-22 insurance without a valid license
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How much is SR-22 insurance in Nebraska?
In Nebraska, full coverage car insurance cost with an SR-22 is $2,262 per year $169 higher than the national average cost in the U.S., which is $2,093 a year. But if you have a DUI, your yearly premium can increase up to $4,412 in Nebraska.
In addition to the increased premium, most insurance companies also charge a small fee for filing the SR-22 form. If you’re facing a license suspension, getting an auto insurance policy along with an SR-22 form is typically the only way to reinstate your license.
How much is SR-22 insurance per month in Nebraska?
For drivers in Nebraska convicted of a DUI, the average monthly insurance cost for full coverage car insurance with an SR-22 is $368 per month.
Not all insurance companies offer car insurance for high-risk drivers, so you might need to shop around to secure coverage. When you do find an insurer, expect to pay higher premiums.
However, by driving responsibly and avoiding speeding tickets, DUIs and other infractions, you can gradually improve your driving record and secure lower insurance rates in the future.
Affordable SR-22 insurance companies by state
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Nationwide provides the most affordable SR-22 car insurance for drivers in Nebraska, with an average annual premium of $1,231 . Auto-Owners and Progressive also offer competitive SR-22 insurance rates in Nebraska, according to CarInsurance.com data.
After a DUI or other traffic violation in Nebraska, getting SR-22 insurance is a requirement. While the SR-22 form doesn’t impact insurance costs, the violations that necessitate it typically result in higher premiums. However, high-risk drivers can still find affordable auto insurance rates in Nebraska.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Nationwide | 1,216 | 1,232 |
| Auto-Owners | 1,193 | 1,612 |
| Progressive | 1,964 | 2,155 |
| Geico | 2,372 | 2,403 |
| State Farm | 2,344 | 2,691 |
| Allstate | 2,621 | 2,864 |
| USAA* | 1,328 | 1,356 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Nebraska?
You will need SR-22 in Nebraska for a duration of 3 years It assures the Nebraska DMV that you’re consistently maintaining at least the minimum required coverage levels mandated by the state.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
What happens if I cancel my insurance?
If you discontinue your SR-22 insurance in Nebraska before the mandated period ends, you could face severe consequences.
- Driver’s license suspension: If your SR-22 policy is canceled, your insurance provider will notify the state. This typically leads to a suspension of your driver’s license since insurance coverage must be maintained for the mandated period.
- Fines and penalties: In some states, you might face additional fines or penalties for not complying with the SR-22 requirement.
- Extended probationary period: If your SR-22 is part of a probation period for a driving offense, canceling it might restart your probationary period.
- Increased insurance costs: A lapse in coverage and violations on your driving record resulting from SR-22 policy cancellation can lead to significantly higher insurance premiums in the future.
Failing to maintain continuous SR-22 coverage for the mandated period can result in legal consequences and the suspension of your driving privileges.
How to get an SR-22 removed in Nebraska
The most common way to get your SR-22 removed is to wait until the required filing period is over. In Nebraska, the standard SR-22 filing period is 3 years from its filing date.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in Nebraska?
The requirement of an SR-22 certificate can increase your car insurance premiums significantly. Most insurance companies consider drivers with SR-22 high risk, resulting in premium hikes.
Your specific increase in rates will vary based on various factors, including your driving record and the reason for the SR-22.
Don’t settle for the first offer. Compare quotes from multiple insurers to get the best deal on car insurance with an SR-22. If you stay violation-free and comply with the SR-22 requirements, your rates could go down over time.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for Nebraska drivers
If you’re in a situation where you require an SR-22 in Nebraska but don’t have a vehicle, non-owner SR-22 insurance can help you reinstate your Nebraska driver’s license and fulfill the state requirements.
Non-owner car insurance offers liability coverage for individuals who don’t own a vehicle. An added benefit is that some insurers can file the SR-22 form with the DMV for you, which may be required in certain situations.
Frequently asked questions: SR-22 insurance in Nebraska
How do I check my SR-22 status online in Nebraska?
You can easily check your SR22 status by visiting the official website of the Nebraska DMV and using their online services. Alternatively, you can contact the Nebraska DMV by phone to inquire about your SR-22 status, and they can provide you with the required information.
Do I need an SR-1P or SR-22 in Nebraska?
Both the SR-22 and SR-1P are forms your insurance company submits to the Nebraska DMV, ensuring you meet the mandated liability coverage. For motorcycle riders, mopeds, and scooter users, the SR-1P is the relevant form. If you’ve been caught riding your two-wheeler without insurance or have had your license suspended, you’ll require an SR-1P.
What happens to your SR-22 insurance in Nebraska if you move?
An SR-22 requirement stays even when you move to a new state. Find a new insurance company licensed in your current state to file a new SR-22. They must submit the form with both the Nebraska DMV and your new state’s DMV to transfer the requirement. Maintain continuous coverage until the new SR-22 is in effect.
SR-22 requirements can vary from state to state, so it’s essential to consult with your new insurance company and the Department of Motor Vehicles (DMV) in your new state to determine the necessary steps.
Does Geico offer SR-22 in Nebraska?
Geico provides SR-22 in Nebraska, ensuring you meet the state’s insurance requirements and offer adequate coverage required by the state.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed November 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in Nebraska. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
Note: USAA is only available to military community members and their families.
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Laura Longero
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Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Guide to car insurance (with rates) in cities of Nebraska