Cheapest SR-22 Car Insurance in Nebraska (2023)

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.

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.

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.

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

• Auto-Owners: $174 per year
• GEICO: $241 per year

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.

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.

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.

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:

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.

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.

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