Cheapest SR-22 Car Insurance in Nebraska

American National offers the cheapest SR-22 insurance in Nebraska at $26 per month for minimum coverage, 69% less than the state average of $85. It's also the most affordable for full coverage at $64.

Auto-Owners offers Nebraska's cheapest non-owner SR-22 insurance at $16 per month or $196 annually. Drivers without cars can still meet state minimum coverage requirements by purchasing non-owner insurance. 

The table below shows providers and average costs for minimum coverage.

The average cost of car insurance in Nebraska for drivers with an SR-22 is $1,025 annually for minimum coverage — 107% more than the $494 average for clean-record drivers.

SR-22 drivers pay an average of $2,310 annually for full coverage, nearly double the $1,189 paid by drivers with clean records.

Having an SR-22 form doesn't raise your insurance rate by itself. The cost depends on the type of violation. The table below compares the price of SR-22 insurance for common violations across age groups.

An SR-22 proves you have the required car insurance. In Nebraska, drivers with certain violations must file one to reinstate their license. High-risk status often means higher premiums.

An SR-22, also known as a certificate of financial responsibility, isn't insurance. It’s a form your insurer files to confirm you meet Nebraska’s Financial Responsibility law for license reinstatement.

In Nebraska, having an SR-22 is required for three years after serious traffic violations. This form certifies that you meet the state's minimum coverage requirements. To comply with SR-22 laws, drivers must meet the following:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident

In Nebraska, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Nebraska's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Nebraska during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, maintain coverage throughout the SR-22 period. You'll need an SR-22 insurance quote if you don't have coverage. Finding SR-22 insurance can be tough. Insurers might cancel your policy or deny coverage when you file.

High-risk drivers in Nebraska might find fewer insurers offering coverage, often resulting in higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance covers frequent drivers without a car, protecting against third-party injuries or property damage in accidents. Ideal for frequent renters or rideshare drivers, it's often cheaper than standard insurance. 

Compare quotes to find the best rates. After purchasing a policy, your insurer can file an SR-22 form to meet state requirements and reinstate your license after three years.

Nebraska drivers with severe driving offenses need an SR-22 to prove meeting minimum coverage requirements. This form is required for three years for major or repeated violations. While SR-22 insurance rates are usually higher, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Nebraska:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Nebraska drivers with various profiles and needs.

Nebraska Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

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
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits 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

Learn more about MoneyGeek's car insurance methodology.