Lowest Rates By City For a Nebraska SR22 With Insurance Carriers

SR22 Insurance Nebraska: Many of the Insurance companies listed below specialize in SR22 filings, or ‘high-risk’ drivers. They offer competitive rates compared to other companies that may not prefer high risk drivers.

SR22 Insurance Nebraska: DUIs and What it Means For You

If you’ve been convicted of a DUI in Nebraska, you will be required to carry an SR22 with at least State minimum liability for 3-5 years. Details pertaining to your specific case can be answered by your local DMV.

1. SR-22 Requirement: If you are convicted of a DUI or DWI in Nebraska, the state may require you to obtain an SR-22 certificate from your insurance company. This certificate verifies that you have the minimum liability insurance coverage required by law.
2. Duration: The duration for which you are required to maintain SR-22 insurance in Nebraska typically depends on the specifics of your DUI conviction and any related circumstances. In many cases, you may be required to maintain SR-22 coverage for several years following your conviction.
3. Impact on Insurance Premiums: A DUI conviction can have a significant impact on your auto insurance premiums. Insurance companies consider DUI convictions as high-risk behavior, which often results in higher insurance rates. As a result, you can expect your insurance premiums to increase substantially after a DUI conviction, especially when you are required to file an SR-22.
4. Coverage Requirements: When obtaining SR-22 insurance in Nebraska, you must meet the state’s minimum liability coverage requirements. These requirements include bodily injury liability coverage per person, bodily injury liability coverage per accident, and property damage liability coverage per accident.
5. Filing Process: To obtain SR-22 insurance, you will need to contact your insurance provider. They will file the SR-22 form on your behalf with the Nebraska Department of Motor Vehicles (DMV). Not all insurance companies offer SR-22 filings, so you may need to shop around for one that does if your current provider does not.
6. Consequences of Non-Compliance: It is crucial to maintain continuous SR-22 coverage for the entire duration required by the Nebraska DMV. If your coverage lapses for any reason (such as non-payment), your insurance company is obligated to notify the DMV, which could result in the suspension of your driving privileges.
7. Legal Requirements: Keep in mind that SR-22 insurance is a legal requirement, and failure to maintain the required coverage can lead to severe consequences, including additional fines, license suspension or revocation, and even potential jail time.

Reasons You May be Required to Carry An SR22 Nebraska Insurance Filing

Major violations typically require an SR22, like the ones listed below. Minor violations, such as speeding, or failure to yield do not.

A SR22 is a Court ordered or State ordered document which in itself proves that you meet the States minimum insurance requirements.

The people who need a SR22 are those who may have been involved in a major traffic violation such as, but not limited to, Driving Under the Influence (DUI), Driving with no insurance, or Reckless driving.

Average Full Coverage Rates by Company

Most Nebraska insurance companies offer SR22 filings. You will see in the chart below the average cost for full coverage with an SR22 for each insurance provider. The companies listed as N/A do not offer SR22 filings.

Need an SR22 but No Vehicle?

If you need SR22 Insurance, but do not own a vehicle you can purchase a Broad form policy in the State of Nebraska. A Broad form policy is an alterative insurance policy that will cover you for the Minimum Liability requirements, and you can add the SR22 for little to no extra cost. Dairyland Insurance specializes in SR22 filings, and do not charge a fee.

Rates by Company for Liability Insurance With an SR22

The insurance companies listed above with “N/A”, unfortunately, do not cover SR22 liability. However, if you are interested in one of the carriers that do offer SR22 liability, go to the website below.

Call or chat with one of our available A Plus Insurance Agents! 

Company Fees For Filing an SR22 For Nebraska Insurance

Most insurance companies that do offer SR-22 filings charge a flat fee of $5-$25 in most cases. Some Insurance providers, such as Dairyland Insurance, do not charge an additional fee when filing for a SR22

SR22 Insurance Nebraska: Child support

If your license has been suspended for failure to pay child support, SR22 needs to be on file for three (3) years from the date eligible for reinstatement.

Average Cost for Full Coverage With an SR22

Full coverage can be tailored for each vehicle. You can adjust your deductibles and add extra coverages such as Roadside and Rental Reimbursement. The cost for full coverage varies upon the type of vehicle, coverages desired, and the drivers history.

Which Companies Offer the Nebraska Insurance SR22 Filing?

If you are already insured, check with your insurance company to see if they offer SR22. If your Nebraska insurance company offers an SR22, you are able to add that onto your existing policy which will be cheaper compared to taking out a second policy just for the SR22 filing.

Nebraska State Minimum Requirements

The State Minimum Liability Requirements in Nebraska are $25,000 per person for bodily injury protection, up to $50,000 per accident and $25,000 for property damage. These are the minimum limits you are required to carry on your insurance policy.

However, you are always capable of increasing your liability if needed. Talk to your insurance company about increasing your liability or contact them in regards to changing your liability coverages to the minimum requirement.

Always remember, it may be more beneficial to have more liability in case of an unexpected event that may occur.

Frequently Asked Questions about SR22 Insurance Nebraska

For personalized assistance with SR22 insurance in Nebraska, call us at 1.888.445.2793.

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Last Updated on April 19, 2024 by Amanda Moss