Cheapest SR-22 Car Insurance in Nebraska: 2026 Rates and Requirements

GEICO offers the cheapest SR-22 car insurance in Nebraska at $88 per month for minimum coverage. Compare top providers and learn what Nebraska requires for SR-22 filings.

Written by Mark Fitzpatrick

Updated: May 2, 2026

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Key Takeaways

GEICO is the cheapest SR-22 insurer in Nebraska at $88 per month for minimum coverage, well below the state average.

Nebraska drivers with a DUI pay an average of $91 per month for state minimum SR-22 coverage, among the highest violation surcharges.

Nebraska requires SR-22 filings for three years from the conviction date, and any lapse restarts the clock from scratch.

Cheapest SR-22 Insurance in Nebraska

GEICO is the cheapest SR-22 insurer in Nebraska at $88 per month for minimum coverage. Progressive comes in second at $127 per month, a $39 monthly gap. A clean-record driver in Nebraska pays $40 per month for minimum coverage, meaning an SR-22 requirement with GEICO costs 120% more than a standard policy.

Drivers seeking the lowest possible rate to satisfy Nebraska's reinstatement requirement will find GEICO's $88 monthly minimum the most affordable path back to licensed status. Drivers with a financed vehicle who need full coverage car insurance in Nebraska should note GEICO's full coverage SR-22 rate is $219 per month. Those with credit challenges should also review car insurance for drivers with bad credit to understand how their score affects SR-22 premiums.


Geico	$88	$219	51%
Progressive	$127	$290	34%
Allstate	$133	$245	40%
AAA	$275	$561	33%
Farmers	$421	$788	92%

Cheapest SR-22 by Violation

GEICO is the cheapest SR-22 provider in Nebraska for drivers with multiple speeding tickets at $39 per month for minimum coverage, the lowest rate across all violation categories. Hit-and-run convictions carry the highest rates, with Auto-Owners as the cheapest option at $155 per month for minimum coverage, a $116 monthly gap versus the speeding-ticket category. DUI drivers should review car insurance after a DUI for strategies to reduce premiums during the SR-22 period.


Drivers With Hit-And-Run Accident	Farmers Mutual Ins Co of NE	$64	$148	68%
Drivers With Hit-And-Run Accident	Auto Owners	$155	$268	36%
Drivers With Multiple Speeding Tickets	Auto Owners	$127	$233	8%
Drivers With Multiple Speeding Tickets	Geico	$39	$96	65%
Drivers With Other Violations	Farmers Mutual Ins Co of NE	$44	$115	46%
Drivers With Other Violations	Auto Owners	$57	$115	42%
Drivers With Racing Violation	Auto Owners	$70	$141	67%
Senior Drivers With a Suspension	Shelter Insurance	$70	$144	63%
Senior Drivers With a Suspension	Progressive	$73	$165	58%
Young Drivers With a Suspension	Progressive	$99	$236	57%
Young Drivers With a Suspension	Farmers Mutual Ins Co of NE	$90	$207	62%
Most Drivers Needing a SR-22	Progressive	$81	$188	57%
Most Drivers Needing a SR-22	Shelter Insurance	$80	$165	61%

Cheapest SR-22 Insurance in Nebraska by City

Cambridge is the cheapest city for SR-22 insurance in Nebraska at $48 per month for minimum coverage, while Omaha is the most expensive at $98 per month, a $50 monthly spread. The cheapest company varies by city: Progressive tops Lincoln and Omaha, Shelter leads Dannebrog and Bellevue and Farmers Mutual is cheapest in Cambridge. Drivers comparing options statewide should also check cheapest car insurance in Nebraska to see how SR-22 rates compare to standard market rates in their city.


Cambridge	Farmers Mutual Ins Co of NE	$48	$148	66%
Dannebrog	Shelter Insurance	$54	$133	66%
Lincoln	Progressive	$76	$170	56%
Bellevue	Shelter Insurance	$81	$156	63%
Omaha	Progressive	$98	$221	55%

Best SR-22 Insurance Companies in Nebraska

Progressive ranks first in MoneyGeek's Nebraska SR-22 analysis with a score of 4.66, the highest in this comparison, combining a near-perfect affordability score of 4.95 with the highest coverage score at 4.82 out of 5.

Auto-Owners ranks second overall (4.64) and ranks first in customer experience with a perfect 5.0 out of 5, making it the better choice for drivers who prioritize claims support and service quality during a high-stress SR-22 period. If you want to compare more options, take a look at best car insurance companies and best car insurance in Nebraska.


Progressive	4.66	4.95	4.82	4.04
Auto Owners	4.64	4.67	3.4	5
Shelter Insurance	4.45	5	4.47	3.33
Allstate	4.33	4.76	4.11	3.56
IMT Insurance	4.33	4.73	4.56	3.45

Top Pick for SR-22 Overall in Nebraska

Progressive

Progressive earns the highest overall MoneyGeek score for SR-22 drivers in Nebraska at 4.66 out of 5, combining a near-perfect affordability score with the highest coverage breadth score of any ranked provider. Its minimum coverage averages $127 per month. Progressive's NAIC complaint ratio is 0.88, below the national median of 1.00, indicating fewer-than-expected complaints relative to its size. Our research found Progressive's digital tools and online SR-22 filing process to be among the most straightforward available in Nebraska. Progressive holds an AM Best financial strength rating of A+ (Superior).

Top Pick for SR-22 Customer Experience in Nebraska

Auto-Owners

Auto-Owners earns a customer experience score of 5.0 out of 5 for SR-22 drivers in Nebraska, making it the right choice for drivers who need responsive claims handling during a stressful reinstatement period. The company's NAIC complaint ratio is 0.45, well below the national median, with a proven track record of resolving policyholder issues. Our research found Auto-Owners agents to be especially effective at guiding SR-22 drivers through the Nebraska DMV filing process. Auto-Owners holds an AM Best rating of A++ (Superior).

How Much Is SR-22 Insurance in Nebraska?

Nebraska drivers with a DUI pay an average of $91 per month for state minimum SR-22 coverage, compared to $40 per month for a clean-record driver, a 128% increase for the most serious violation category. Other violations carry lower surcharges: speeding adds $10 per month above the clean-record baseline and texting adds $6 per month. For a full breakdown by driver profile, see average cost of car insurance in Nebraska and use the car insurance calculator for Nebraska to estimate your specific rate.

Data filtered by:


DUI - BAC >= .08	State Minimum Liability Only	$91	$1,091	No Data
At Fault Accident ($1000-$1999 Prop Dmg)	State Minimum Liability Only	$70	$842	No Data
Speeding 11-15 MPH over limit	State Minimum Liability Only	$50	$600	No Data
Texting While Driving	State Minimum Liability Only	$46	$554	No Data

SR-22 FILING FEE IN NEBRASKA

Nebraska insurers charge a one-time filing fee to submit your SR-22 to the Nebraska Department of Motor Vehicles (DMV). Fees typically run $15 to $25, though some carriers charge up to $50. This fee is separate from your insurance premium and from the DMV reinstatement fee, which varies by violation type.

Nebraska SR-22 Insurance Requirements

An SR-22 is a certificate of financial responsibility, not an insurance policy, that your insurer files with the Nebraska Department of Motor Vehicles to prove you carry the state's required minimum liability coverage. Nebraska requires the SR-22 to remain on file for three years from the conviction date. The requirement is triggered by serious violations including DUIs, reckless driving, driving without insurance and license suspensions. Nebraska doesn't use the FR-44 form; all high-risk drivers in the state file the standard SR-22.

If coverage lapses at any point during the three-year SR-22 period, your insurer is required to notify the Nebraska DMV immediately, which triggers an automatic license suspension with no grace period, and the three-year clock restarts from scratch. Reinstating your license after a lapse requires filing a new SR-22 and paying a $125 reinstatement fee to the DMV. Drivers in this situation should review how to get car insurance after a lapse in coverage to avoid repeating the cycle.

Nebraska Minimum Liability Limits

Nebraska law requires all drivers, including those with an SR-22, to carry at least 25/50/25 liability coverage.

$25,000 Bodily Injury Per Person

Covers up to $25,000 for injuries sustained by any single person in an accident you cause. If injuries exceed this limit, you are personally liable for the difference.

$50,000 Bodily Injury Per Accident

Covers up to $50,000 total for all bodily injury claims arising from a single accident you cause, regardless of how many people are injured.

$25,000 Property Damage

Covers up to $25,000 for damage you cause to another person's property, including vehicles and structures. Nebraska's 25/50/25 minimums are in line with the national average but may be insufficient for newer vehicles.

Nebraska SR-22 Filing Types

Nebraska issues two types of SR-22 certificates depending on whether the driver owns the vehicle they are insuring.

Owners Certificate

Filed for drivers who own the vehicle they are insuring. This is the standard SR-22 form attached to an active auto insurance policy covering your owned vehicle.

Operators Certificate

A non-owner SR-22 is for drivers who don’t own a vehicle. It’s filed with the Nebraska Department of Motor Vehicles (DMV). Learn more about non-owner SR-22 insurance and non-owner car insurance so you know what to expect.

Fees, Lapse Rules, and Filing Process

Nebraska's filing fee can reach $50 and its $125 reinstatement fee is among the highest flat fees alongside Michigan. A single lapse here carries more financial consequence than in most other states.

SR-22 Filing Fee

Nebraska insurers charge a one-time fee of $15 to $25 at policy inception to file your SR-22, though some carriers charge up to $50. This is separate from your insurance premium.

Coverage Lapse Consequences

Any lapse in coverage triggers immediate license suspension with no grace period. The three-year SR-22 clock restarts from scratch, and a new SR-22 and $125 reinstatement fee are required before your license can be reinstated.

Filing Process

Your insurer files electronically with the Nebraska Department of Motor Vehicles (DMV). Processing takes 24 to 48 hours. The DMV confirms receipt within three to five business days.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers deny you coverage, you may qualify for the Nebraska Automobile Insurance Plan (NBAIP), the state's insurer of last resort. NBAIP provides state minimum liability coverage (25/50/25). Apply through any licensed Nebraska insurance agent. Rates are higher than voluntary market rates. See your options for low-income car insurance and find ways to keep costs manageable.

SR-22 Car Insurance in Nebraska: Bottom Line

GEICO is the cheapest SR-22 insurer in Nebraska at $88 per month for minimum coverage, making it the most accessible option for drivers focused solely on meeting the reinstatement requirement at the lowest cost. Progressive is the best choice for drivers who want a balance of competitive pricing and solid coverage options, especially those who anticipate needing full coverage or who want the reliability of a highly rated insurer throughout their three-year filing period.

Before the SR-22 period ends, confirm the exact expiration date with the Nebraska DMV in writing so your insurer doesn't cancel the filing prematurely and trigger a new suspension. Once the SR-22 requirement is fulfilled, compare rates through cheapest car insurance in Nebraska to move back to standard market pricing.

Frequently Asked Questions About SR-22 Insurance in Nebraska

Who needs SR-22 insurance in Nebraska?

Nebraska drivers need an SR-22 after serious violations including DUI or DWI convictions, reckless driving, driving without insurance, at-fault accidents with an uninsured vehicle, and certain license suspensions or revocations. The Nebraska DMV notifies you by mail if an SR-22 is required. You then have a set deadline to file through a licensed Nebraska insurer before your driving privileges can be reinstated.

How much does SR-22 insurance cost after a DUI in Nebraska?

Nebraska drivers with a DUI pay an average of $91 per month for state minimum SR-22 coverage, about 128% more than the roughly $40 per month a clean-record driver pays. The cheapest DUI SR-22 rate available in Nebraska is $88 per month through GEICO. Rates vary based on the specifics of your violation, your age, and your credit score, so comparing multiple carriers is important.

How long do you need SR-22 insurance in Nebraska?

Nebraska requires SR-22 coverage to remain continuously on file for three years from the conviction date. If your policy lapses at any point, even for a single day, your insurer must notify the Nebraska DMV, your license is suspended immediately, and the three-year clock restarts from the date the lapse occurred. There is no grace period.

Does Nebraska allow insurers to use credit scores when setting SR-22 rates?

Yes, Nebraska permits insurers to use credit-based insurance scores as a rating factor when pricing auto insurance, including SR-22 policies. Drivers with poor credit may pay substantially higher SR-22 premiums than drivers with good credit for the same violation. This contrasts with states like California, where Proposition 103 prohibits the use of credit scores in auto insurance pricing.

How much does the SR-22 filing fee cost in Nebraska?

Nebraska insurers charge a one-time SR-22 filing fee ranging from $15 to $25, though some carriers charge up to $50. This fee is set by the individual insurer and is separate from your monthly insurance premium. It's also separate from the Nebraska DMV's $125 license reinstatement fee, which you must pay directly to the state before your driving privileges are restored.

What happens if I cannot find an insurer willing to file an SR-22 in Nebraska?

If two or more standard market insurers deny you coverage, you may be eligible for the Nebraska Automobile Insurance Plan (NBAIP), the state's assigned risk pool and insurer of last resort. NBAIP provides state minimum liability coverage (25/50/25) to drivers who cannot get insurance in the voluntary market. You must apply through any licensed Nebraska insurance agent. NBAIP rates are higher than voluntary market rates, so continue shopping standard carriers periodically during your SR-22 period.

MoneyGeek analyzed SR-22 insurance rates from Quadrant Information Services across Nebraska cities and violation types, focusing on drivers with serious violations such as DUIs, speeding convictions and at-fault accidents.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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