Cheapest SR-22 Car Insurance in Nebraska (2024)

Enter your ZIP code to get started


Free. Simple. Secure.

Updated: May 20, 2024

Advertising & Editorial Disclosure

Nebraska’s two cheapest companies for SR-22 car insurance are American National P&C, with annual minimum coverage rates of $217, and Progressive, with yearly rates of $385.

Meanwhile, the two cheapest non-owner SR-22 car insurance policies are from Auto-Owners, at $174 yearly, and GEICO, at $241 annually.

SR-22 car insurance is a mandated certificate of financial responsibility rather than an insurance policy. Nebraska requires an SR-22 for drivers who have committed certain violations, such as a DUI. MoneyGeek explored the importance of SR-22 insurance, its cost implications and how to find the most affordable insurance options.

MoneyGeek Logo IconCheapest SR-22 InsuranceNebraska

Cheapest Companies for SR-22 Car Insurance in Nebraska

Why Trust MoneyGeek? Our team obtained data from the Nebraska department of insurance and Quadrant Information Services to determine the most affordable SR-22 and FR-44 insurance companies for various driver profiles.

20,871Quotes Analyzed
13Companies Compared

Cheapest Companies for SR-22 Car Insurance in Nebraska

Car insurance tends to become more expensive after a driving violation, but you can find affordable options by comparing rates. In Nebraska, the two cheapest companies for a minimum coverage policy for drivers with a DUI are:

  • American National P&C: $217 per year
  • Progressive: $385 per year

For a full coverage policy, the cheapest options are:

  • American National P&C: $571
  • Allstate: $1,294 per year

To find Nebraska’s cheapest SR-22 car insurance, refer to the table below to view companies by their rates. Nebraska’s yearly SR-22 insurance premiums range from $217 to $2,280 for minimum coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
Driving Violation:
Driving Violation:DUI
American National P&CAnnual Premium$217Monthly Premium$18
ProgressiveAnnual Premium$385Monthly Premium$32
State FarmAnnual Premium$397Monthly Premium$33
Auto-Owners Insurance CoAnnual Premium$526Monthly Premium$44
Farmers Mutual of NebraskaAnnual Premium$528Monthly Premium$44
AllstateAnnual Premium$705Monthly Premium$59
IMT Insurance CompanyAnnual Premium$731Monthly Premium$61
Iowa Farm BureauAnnual Premium$746Monthly Premium$62
FarmersAnnual Premium$767Monthly Premium$64
GEICOAnnual Premium$892Monthly Premium$74
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

What Is SR-22 in Nebraska?

An SR-22 is a mandated certificate of financial responsibility that serves as proof of insurance coverage. It is not an insurance policy but a form that certain states require, including Nebraska. Filing an SR-22 is necessary when a driver's license has been suspended or revoked due to a driving violation. Its purpose is to demonstrate that a driver’s vehicles are insured or, if not owning any cars, that an individual has purchased a non-owner policy.

States vary in how long they require an SR-22 form. Nebraska requires you to hold an SR-22 for three years.

When you need an SR-22, your insurance company will fill out the form on your behalf and send it to the Nebraska Department of Motor Vehicles. Note that filing an SR-22 may lead to increased insurance rates, as your insurer will likely consider you higher risk due to the violations on your record.

mglogo icon

Once you have fulfilled the terms of your financial responsibility requirement and completed the mandated SR-22 filing period, your insurance company is responsible for filing a Financial Responsibility Cancellation Form.

This form notifies Nebraska that your SR-22 filing period has ended. It’s essential to properly file this form to confirm your compliance with state requirements and to avoid any issues with your driving privileges.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Nebraska

Nebraska’s two cheapest companies for non-owner SR-22 car insurance are:

USAA is a recommended option for military community members, offering non-owner SR-22 car insurance at an annual premium of $345.

It's important to note that even non-vehicle-owning drivers may be required to file an SR-22. It may be necessary if your car was totaled or taken away or if you need to reinstate your license.

The table below showcases the cheapest car insurance companies for non-owner SR-22 car insurance in Nebraska and their annual rates. These rates range from $174 from Auto-Owners to $872 from Farmers.

Data filtered by:Results filtered by:
Driving Violation:
Driving Violation:Accident $1000-$1999 Prop Dmg
Auto-Owners Insurance CoAnnual Premium$196Monthly Premium$16
GEICOAnnual Premium$429Monthly Premium$36
State FarmAnnual Premium$435Monthly Premium$36
ProgressiveAnnual Premium$659Monthly Premium$55
FarmersAnnual Premium$872Monthly Premium$73
ignition icon

Insurers provide non-owner car insurance for individuals who do not own a vehicle but still require insurance coverage. This type of insurance may benefit renters, ride-share drivers, professional drivers and those who need to file SR-22 but don't own a car. It provides liability coverage when driving a borrowed or rented vehicle.

To help you find the best deals, MoneyGeek explored cheap non-owner car insurance in Nebraska.

Average Cost of SR-22 Car Insurance in Nebraska

In Nebraska, the average annual cost of minimum coverage SR-22 insurance for a driver with a DUI on their record is $785, while the average yearly cost of full coverage SR-22 insurance is $1,884. Nebraska may also require SR-22 forms for other driving offenses, such as speeding or at-fault accidents. These forms serve as proof of financial responsibility.

Insurance companies consider drivers with offenses as higher-risk customers to insure, typically leading to increased rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Minimum Coverage
DUIAnnual Premium$785Monthly Premium$65
TicketAnnual Premium$488Monthly Premium$41
CleanAnnual Premium$368Monthly Premium$31
At-Fault AccidentAnnual Premium$616Monthly Premium$51
mglogo icon

We recommend drivers compare insurance rates at each renewal or annually to ensure they receive the most affordable prices for SR-22 insurance in Nebraska. Rates vary among insurance providers, and by comparing options, you can find better deals and ensure you get the lowest price available for your SR-22 insurance coverage.

How SR-22 Affects Car Insurance Rates in Nebraska

Filing an SR-22 can have a significant impact on car insurance rates, leading to higher premiums. Rates increase because Nebraska requires an SR-22 after severe driving offenses, like a DUI or multiple traffic violations. To compensate for the risk of insuring these drivers, providers raise premiums to cover the potential costs. Nebraska’s average yearly minimum coverage premiums increase from $377 with a clean driving record to $785 after a DUI.

The need to file an SR-22 can vary depending on several factors. The severity of the offense, such as DUI or reckless driving, often triggers the requirement. Additionally, state laws and regulations play a role, as each state sets unique conditions for SR-22 filings. A driver's past driving history, including multiple traffic violations or at-fault accidents, may also contribute to the need for an SR-22.

Car Insurance Rate Comparison Based on Driving Records in Nebraska

Clean Driving Record

Annual Premium for Minimum Coverage

After a DUI

Annual Premium for Minimum Coverage

Car insurance premiums after a DUI are on average: :$408 more

This is 108% more expensive.

Other Effects of SR-22 on Car Insurance in Nebraska

Filing an SR-22 in Nebraska can have several impacts on your car insurance. These effects include potential policy cancellation if you fail to maintain continuous coverage, limited insurance options and filing fees.

Below are some ways filing an SR-22 affects your car insurance in Nebraska:

Limited number of insurance options

Filing an SR-22 can limit your options for car insurance. Not all insurance companies provide coverage for drivers who require an SR-22, which means you may have fewer choices when finding your best policy.

Possible policy cancellation

Filing an SR-22 may lead to possible policy cancellation if you fail to maintain continuous coverage. Insurance companies may monitor your coverage closely, and any lapse or cancellation of your policy could result in a revoked or suspended license.

Length of required filing

The length of time required to have an SR-22 filing varies by state. In Nebraska, the filing period is three years. It's important to check with the Nebraska Department of Motor Vehicles for information on SR-22 filing requirements.

Filing fees

When filing an SR-22, you may need to pay a one-time fee. The cost can vary from $15 to $50, depending on the state and the insurance company. It's essential to check with your insurance provider and local DMV to determine the filing fee and any associated costs, such as the fee for license reinstatement.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

How to Get SR-22 Insurance in Nebraska

To obtain car insurance after a violation, you should proceed with the following steps:

  1. Find a car insurance company that offers insurance to drivers with violations on their records. MoneyGeek recommends obtaining quotes from at least three providers to compare rates. Different insurers will have individual policies about driving records, making research even more critical.
  2. Purchase an insurance policy that meets the minimum liability requirements in Nebraska.
  3. Ask your insurance company to file an SR-22 form on your behalf, pay any necessary fees and keep it current. Any lapses in your coverage may result in license suspension.

Following this guidance will help you comply with Nebraska law and avoid further penalties on your record.

driverLicense icon

Specifics cost may vary for reinstating your Nebraska driver’s license. However, reinstatement fees after an SR-22 filing typically range from $75 to $150, depending on the state. It's important to note that fees are subject to change, so it's best to check with your local Nebraska Department of Motor Vehicles (DMV) for the most up-to-date information on reinstatement fees.

The Nebraska DMV provides online access to driving privilege statuses, reinstatement and additional information regarding fees and requirements for license reinstatement.

How to Get Cheaper Car Insurance in Nebraska After a DUI

After a DUI, it's typical for your insurance rates will increase. However, there are measures you can take to reduce your overall costs. Maintaining a clean driving record, completing a defensive driving course and comparing quotes from multiple insurers can help you find more affordable SR-22 car insurance options.

Understanding the basics of SR-22 insurance and its related requirements can assist you in navigating the process and lowering your premiums.

    find icon

    Compare quotes immediately

    Comparing quotes from multiple Nebraska insurance companies allows you to find the best rates after a DUI. It helps you identify insurers specializing in coverage for high-risk drivers, like those with a DUI conviction. You can use online platforms or seek the assistance of an insurance agent to gather and compare quotes.

    car icon

    Complete DUI classes or programs

    Participating in DUI programs and classes can demonstrate your commitment to safe driving and help reduce the likelihood of future offenses. Insurers view the completion of these programs positively, potentially resulting in lower insurance rates. The Nebraska DMV offers a list of certified driver education courses for drivers seeking classes.

    coins2 icon

    Look for discounts

    While certain discounts may no longer be available to individuals with a DUI conviction, others may still be accessible. These can include discounts for bundling policies or completing defensive driving courses. Checking with insurance providers for available discounts can reduce your overall premium costs.

    seatbelt icon

    Practice safe driving

    Avoiding additional driving offenses is crucial after a DUI conviction. Adhering to traffic laws, maintaining appropriate speeds and avoiding reckless behaviors are all safe driving habits that can prevent further marks on your driving record. A clean driving record over time can contribute to lower insurance rates.

    calendar icon

    Shop rates over time

    Insurance rates can fluctuate over time, so it's essential to regularly compare policies before renewing your coverage. By shopping around, you can ensure you are still getting the best possible rates for your profile and potentially switch to a different insurance provider if better options are available.

mglogo icon

Insurers offer non-standard auto insurance for high-risk drivers, including those with DUI convictions. It provides coverage for drivers who may have difficulty obtaining traditional auto insurance. Non-standard policies often offer higher premiums but ensure coverage for individuals with a history of violations or accidents.

Frequently Asked Questions About SR-22 Insurance in Nebraska

Finding Nebraska’s best SR-22 car insurance can be complicated. MoneyGeek answered some of your commonly asked questions to help simplify the process.

What are the cheapest SR-22 car insurance options in Nebraska?
How much does filing an SR-22 increase car insurance rates, on average?
How long do you need to have an SR-22 in Nebraska?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.