Cheapest SR-22 Car Insurance in Nebraska

Shelter provides the cheapest SR-22 insurance in Nebraska at $80 monthly for minimum coverage and $165 for full coverage, 56% lower than the state's average rates. However, this only represents 40-year-old drivers with a DUI on record. Farmers Mutual of Nebraska, Progressive, GEICO and IMT may offer more affordable rates for your profile.

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

Farmers Mutual of Nebraska Insurance Co of NE leads in three SR-22 categories in Nebraska, including coverage for young drivers and hit-and-run violations. Shelter wins in two categories, while GEICO and Auto-Owners each excel in one specific coverage type.

* 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.

Our research shows insurance costs vary based on your personal factors. The table below matches you with affordable providers by analyzing your age, gender, coverage needs, credit score and driving history.

Shelter offers the most affordable SR-22 car insurance across Nebraska, with rates starting at $54 monthly. Our research shows the company maintains competitive rates in major cities throughout 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.