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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.

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2023

Cheapest Companies for SR-22 Car Insurance in Nebraska

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.

Company
Annual Premium
Monthly Premium

American National P&C

$138

$12

American National P&C

$157

$13

American National P&C

$163

$14

American National P&C

$165

$14

American National P&C

$187

$16

American National P&C

$193

$16

American National P&C

$194

$16

American National P&C

$217

$18

American National P&C

$219

$18

Auto-Owners Insurance Co

$222

$18

American National P&C

$229

$19

Auto-Owners Insurance Co

$233

$19

Farmers Mutual of Nebraska

$240

$20

American National P&C

$246

$21

Farmers Mutual of Nebraska

$247

$21

Auto-Owners Insurance Co

$254

$21

American National P&C

$257

$21

Auto-Owners Insurance Co

$261

$22

Farmers Mutual of Nebraska

$262

$22

Auto-Owners Insurance Co

$287

$24

Farmers Mutual of Nebraska

$290

$24

Farmers Mutual of Nebraska

$293

$24

Auto-Owners Insurance Co

$294

$24

Auto-Owners Insurance Co

$304

$25

GEICO

$312

$26

Iowa Farm Bureau

$323

$27

GEICO

$323

$27

Farmers Mutual of Nebraska

$324

$27

Progressive

$328

$27

Auto-Owners Insurance Co

$339

$28

State Farm

$340

$28

GEICO

$343

$29

GEICO

$343

$29

State Farm

$352

$29

Farmers Mutual of Nebraska

$354

$29

GEICO

$366

$31

GEICO

$366

$31

Iowa Farm Bureau

$369

$31

State Farm

$375

$31

State Farm

$375

$31

American National P&C

$381

$32

Progressive

$385

$32

Progressive

$385

$32

Auto-Owners Insurance Co

$385

$32

Farmers Mutual of Nebraska

$387

$32

State Farm

$397

$33

State Farm

$397

$33

Iowa Farm Bureau

$404

$34

American National P&C

$405

$34

Progressive

$408

$34

Iowa Farm Bureau

$409

$34

State Farm

$410

$34

Progressive

$416

$35

IMT Insurance Company

$421

$35

IMT Insurance Company

$426

$35

Shelter

$429

$36

Farmers Mutual of Nebraska

$430

$36

Progressive

$431

$36

State Farm

$433

$36

State Farm

$434

$36

American National P&C

$440

$37

Progressive

$453

$38

AAA

$455

$38

American National P&C

$461

$38

Progressive

$462

$39

AAA

$463

$39

Iowa Farm Bureau

$464

$39

State Farm

$478

$40

State Farm

$478

$40

Farmers Mutual of Nebraska

$478

$40

IMT Insurance Company

$490

$41

American National P&C

$493

$41

IMT Insurance Company

$495

$41

Iowa Farm Bureau

$495

$41

Progressive

$497

$41

American National P&C

$504

$42

GEICO

$513

$43

Iowa Farm Bureau

$513

$43

American National P&C

$520

$43

State Farm

$523

$44

Auto-Owners Insurance Co

$526

$44

Shelter

$526

$44

Farmers Mutual of Nebraska

$528

$44

Auto-Owners Insurance Co

$530

$44

Farmers

$541

$45

Allstate

$553

$46

American National P&C

$559

$47

Allstate

$561

$47

American National P&C

$567

$47

Iowa Farm Bureau

$569

$47

American National P&C

$571

$48

GEICO

$586

$49

Farmers

$587

$49

AAA

$591

$49

Progressive

$595

$50

Allstate

$605

$50

Allstate

$611

$51

Allstate

$623

$52

IMT Insurance Company

$627

$52

Iowa Farm Bureau

$630

$52

Auto-Owners Insurance Co

$641

$53

American National P&C

$646

$54

Farmers

$648

$54

Iowa Farm Bureau

$649

$54

Progressive

$650

$54

Progressive

$659

$55

Farmers

$664

$55

Allstate

$679

$57

Allstate

$681

$57

Auto-Owners Insurance Co

$681

$57

GEICO

$682

$57

Allstate

$690

$57

Farmers Mutual of Nebraska

$694

$58

Allstate

$695

$58

Farmers Mutual of Nebraska

$704

$59

Allstate

$705

$59

American National P&C

$713

$59

Auto-Owners Insurance Co

$723

$60

IMT Insurance Company

$731

$61

IMT Insurance Company

$732

$61

IMT Insurance Company

$740

$62

AAA

$741

$62

Iowa Farm Bureau

$746

$62

Auto-Owners Insurance Co

$754

$63

AAA

$760

$63

Farmers Mutual of Nebraska

$761

$63

Farmers

$761

$63

Farmers

$765

$64

Farmers

$767

$64

Allstate

$776

$65

Allstate

$794

$66

Farmers Mutual of Nebraska

$797

$66

Farmers

$805

$67

AAA

$806

$67

Shelter

$808

$67

Auto-Owners Insurance Co

$821

$68

Shelter

$824

$69

AAA

$824

$69

Auto-Owners Insurance Co

$825

$69

Iowa Farm Bureau

$827

$69

GEICO

$835

$70

Farmers Mutual of Nebraska

$845

$70

Farmers

$869

$72

GEICO

$875

$73

Farmers

$880

$73

GEICO

$892

$74

Shelter

$893

$74

Auto-Owners Insurance Co

$894

$74

Farmers

$909

$76

Farmers

$909

$76

Farmers Mutual of Nebraska

$912

$76

GEICO

$913

$76

Shelter

$921

$77

Auto-Owners Insurance Co

$937

$78

Iowa Farm Bureau

$942

$78

GEICO

$962

$80

GEICO

$962

$80

AAA

$963

$80

GEICO

$968

$81

GEICO

$968

$81

Allstate

$977

$81

Shelter

$996

$83

IMT Insurance Company

$1,003

$84

Shelter

$1,007

$84

Farmers Mutual of Nebraska

$1,012

$84

IMT Insurance Company

$1,014

$85

IMT Insurance Company

$1,020

$85

AAA

$1,040

$87

Allstate

$1,040

$87

AAA

$1,043

$87

Allstate

$1,050

$88

GEICO

$1,061

$88

IMT Insurance Company

$1,066

$89

Iowa Farm Bureau

$1,066

$89

Farmers

$1,087

$91

Farmers

$1,091

$91

Shelter

$1,095

$91

IMT Insurance Company

$1,103

$92

Auto-Owners Insurance Co

$1,104

$92

Farmers Mutual of Nebraska

$1,106

$92

Progressive

$1,134

$95

Shelter

$1,136

$95

Allstate

$1,136

$95

AAA

$1,145

$95

Iowa Farm Bureau

$1,148

$96

State Farm

$1,156

$96

IMT Insurance Company

$1,178

$98

Allstate

$1,179

$98

Iowa Farm Bureau

$1,182

$99

Allstate

$1,201

$100

Auto-Owners Insurance Co

$1,212

$101

Farmers Mutual of Nebraska

$1,215

$101

Progressive

$1,237

$103

Allstate

$1,239

$103

IMT Insurance Company

$1,240

$103

Shelter

$1,240

$103

State Farm

$1,247

$104

State Farm

$1,247

$104

State Farm

$1,257

$105

Allstate

$1,274

$106

Allstate

$1,294

$108

Farmers

$1,303

$109

State Farm

$1,339

$112

Allstate

$1,339

$112

Auto-Owners Insurance Co

$1,342

$112

Progressive

$1,346

$112

Iowa Farm Bureau

$1,347

$112

Farmers Mutual of Nebraska

$1,348

$112

IMT Insurance Company

$1,356

$113

Shelter

$1,378

$115

Farmers Mutual of Nebraska

$1,378

$115

Progressive

$1,386

$115

State Farm

$1,387

$116

State Farm

$1,387

$116

Farmers

$1,412

$118

Auto-Owners Insurance Co

$1,430

$119

Iowa Farm Bureau

$1,442

$120

GEICO

$1,445

$120

Farmers

$1,446

$121

Iowa Farm Bureau

$1,450

$121

State Farm

$1,484

$124

Allstate

$1,518

$126

Progressive

$1,521

$127

IMT Insurance Company

$1,522

$127

Farmers

$1,532

$128

Allstate

$1,546

$129

Progressive

$1,548

$129

Progressive

$1,551

$129

IMT Insurance Company

$1,572

$131

Shelter

$1,573

$131

Farmers

$1,587

$132

Farmers

$1,598

$133

Farmers

$1,599

$133

AAA

$1,603

$134

AAA

$1,630

$136

State Farm

$1,631

$136

Shelter

$1,636

$136

Farmers

$1,650

$138

Farmers Mutual of Nebraska

$1,652

$138

Iowa Farm Bureau

$1,653

$138

GEICO

$1,661

$138

Shelter

$1,664

$139

Progressive

$1,669

$139

Shelter

$1,714

$143

Farmers

$1,722

$143

AAA

$1,738

$145

AAA

$1,742

$145

State Farm

$1,763

$147

State Farm

$1,763

$147

Iowa Farm Bureau

$1,769

$147

Farmers

$1,790

$149

IMT Insurance Company

$1,804

$150

GEICO

$1,804

$150

Shelter

$1,824

$152

Progressive

$1,833

$153

AAA

$1,852

$154

State Farm

$1,895

$158

IMT Insurance Company

$1,901

$158

Iowa Farm Bureau

$1,903

$159

Progressive

$1,956

$163

Progressive

$1,977

$165

Auto-Owners Insurance Co

$2,002

$167

Shelter

$2,010

$167

Shelter

$2,030

$169

IMT Insurance Company

$2,070

$172

IMT Insurance Company

$2,168

$181

Iowa Farm Bureau

$2,171

$181

Farmers Mutual of Nebraska

$2,201

$183

Shelter

$2,242

$187

Progressive

$2,263

$189

AAA

$2,278

$190

AAA

$2,280

$190

Iowa Farm Bureau

$2,324

$194

GEICO

$2,362

$197

IMT Insurance Company

$2,410

$201

AAA

$2,415

$201

Shelter

$2,496

$208

GEICO

$2,530

$211

AAA

$2,554

$213

Shelter

$2,773

$231

GEICO

$2,804

$234

AAA

$2,850

$238

IMT Insurance Company

$2,879

$240

Shelter

$3,096

$258

Shelter

$3,448

$287

AAA

$4,121

$343

AAA

$4,255

$355

AAA

$5,502

$458

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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.

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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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$174

$15

Auto-Owners Insurance Co

$196

$16

GEICO

$241

$20

State Farm

$384

$32

Progressive

$391

$33

GEICO

$429

$36

State Farm

$435

$36

Farmers

$592

$49

Progressive

$659

$55

Farmers

$872

$73

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WHAT IS NON-OWNER CAR INSURANCE?

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.

Driving Record
Annual Premium
Monthly Premium

DUI

$785

$65

Ticket

$482

$40

Ticket

$488

$41

DUI

$1,777

$148

Clean

$465

$39

DUI

$1,884

$157

Ticket

$609

$51

At-Fault Accident

$762

$64

At-Fault Accident

$1,859

$155

Clean

$368

$31

DUI

$967

$81

At-Fault Accident

$613

$51

Clean

$972

$81

Clean

$1,238

$103

DUI

$779

$65

At-Fault Accident

$1,522

$127

At-Fault Accident

$616

$51

DUI

$2,305

$192

Ticket

$1,250

$104

Clean

$362

$30

Ticket

$1,558

$130

Ticket

$1,157

$96

At-Fault Accident

$1,426

$119

Clean

$904

$75

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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

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$377
accident2
After a DUI

Annual Premium for Minimum Coverage

$785
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:

1

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.

2

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.

3

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.

4

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.

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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.

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NEBRASKA LICENSE REINSTATEMENT FEE

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.

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    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.

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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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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