Cheapest SR-22 Car Insurance in Nebraska

Shelter Insurance leads Nebraska with $962 for minimum coverage SR-22 insurance and $1,981 for full coverage. That minimum premium is $1,882 below the state average of $2,845, making Shelter about 56% less expensive, one of the strongest discounts in the region.

Auto-Owners, the most expensive on our list, costs $1,882 for minimum coverage, still 24% below the state average but $920 more than Shelter. Insurers in Nebraska price policies differently for insurance after serious driving violations, creating noticeable cost gaps.

You can find the five insurers offering the cheapest SR-22 premiums in Nebraska in the table below.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Farmers Mutual Ins Co of NE often tops category comparisons. The least expensive group is Drivers With Multiple Speeding Tickets, at $469 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Young Drivers With a Suspension, priced at $1,082 with Farmers Mutual Ins Co of NE. That $613 spread shows how age and suspension history combine to increase SR-22 costs substantially.

Exact premiums vary by violation type and how each insurer scores your SR-22 risk.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Cambridge is Nebraska's cheapest city for minimum coverage SR-22 at $644 (Shelter Insurance), while Omaha averages $1,181 (Shelter Insurance). The $537 gap, or about 83% higher, reflects metro-area traffic and claim volumes.

Insurers factor in ZIP-code crash rates, theft patterns, and repair costs when setting SR-22 prices across Nebraska.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Progressive ranks as the best car insurance provider for SR-22 filing in Nebraska, offering an excellent mix of affordable rates, quality customer service and comprehensive coverage options. Other strong choices include Auto-Owners, Shelter, IMT and Allstate.

Nebraska SR-22 car insurance costs an average of $2,424 annually for minimum coverage and $5,043 for full coverage policies. Nebraska ranks 32nd in affordability for minimum coverage and 35th for full coverage. Monthly premiums can range from $64 to $1,190, depending on individual driver profiles.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

MoneyGeek's analysis of Nebraska SR-22 insurance shows Dannebrog has the lowest average rates at $154 per month, while Omaha residents pay the highest at $238 monthly. Below you can review costs for major cities in the state for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Nebraska laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can extend beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Nebraska drivers need to understand various insurance laws and regulations beyond just maintaining an SR-22 to meet the state's minimum coverage requirements.

In Nebraska, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Nebraska:

MoneyGeek analyzed hundreds of thousands of quotes across Nebraska to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Nebraska SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Nebraska's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.