SR22 Insurance: What Is It?

An SR22 is a certificate of financial responsibility required for drivers considered high-risk by their state’s Department of Motor Vehicles (DMV). It’s not an insurance policy but a document proving that a driver has the minimum required liability coverage. Typically, an SR22 is needed after serious violations such as DUIs, multiple traffic offenses, or driving without insurance. The SR22 is filed by your insurance company with the DMV to verify that you have the necessary coverage to maintain your driving privileges.

Aspect	Description
Definition	A certificate of financial responsibility for high-risk drivers.
Purpose	Proves that a driver has the minimum required liability coverage.
Common Reasons for Requirement	Typically needed after DUIs, multiple traffic offenses, or driving without insurance.
Filing Process	The insurance company files the SR22 with the DMV.
Impact on Insurance	Generally increases insurance premiums due to the high-risk status of the driver.
Duration of Requirement	Usually required for a period of three years, but this can vary depending on state regulations and the nature of the offense.

This concise explanation and table provide a clear understanding of what an SR22 is and its implications for drivers.

Understanding SR22 Insurance in Nebraska: The Impact of a DUI

A DUI conviction in Nebraska can significantly impact your driving privileges and insurance requirements. If you are convicted of a DUI, you will likely need to obtain SR22 insurance to reinstate your license. SR22 insurance serves as proof of financial responsibility and can be more expensive than standard policies. However, finding cheap SR22 insurance is possible by comparing quotes from different providers. It’s essential to understand how a DUI affects your insurance options and to explore the best rates available for SR22 insurance in Nebraska.

Aspect	Description
DUI Conviction Consequences	A DUI conviction typically requires you to file SR22 insurance to reinstate your driving privileges.
Purpose of SR22 Insurance	Serves as proof of financial responsibility and ensures you have the minimum required liability coverage.
Cost Implications	SR22 insurance can be more expensive than standard policies due to the high-risk status of the driver.
Finding Affordable Options	Comparing quotes from various providers can help you find cheap SR22 insurance despite the DUI conviction.
Duration of Requirement	Generally required for a period of three years, but this can vary depending on state regulations and the specifics of the DUI offense.
Impact on Insurance Options	A DUI affects your insurance rates and options, making it crucial to explore different providers for the best SR22 insurance rates in Nebraska.

Understanding these factors can help you navigate the process of obtaining SR22 insurance in Nebraska and find affordable coverage after a DUI conviction.

These estimates provide a range of annual premiums for liability-only SR22 insurance in Nebraska following a DUI. Rates can vary based on individual circumstances, so it’s important to obtain personalized quotes from multiple providers to find the best deal.

Insurance Provider	Estimated Annual Premium	Notes
Progressive	$1,200 – $1,500	Offers flexible payment plans
Dairyland	$1,300 – $1,600	Specializes in high-risk insurance
Gainsco	$1,400 – $1,700	Known for competitive rates for high-risk drivers
Assurance America	$1,250 – $1,550	Provides coverage tailored to high-risk profiles
National General	$1,350 – $1,650	An Allstate subsidiary with high-risk options
The General	$1,400 – $1,700	Offers affordable rates for SR22 insurance
Bristol West	$1,300 – $1,600	Provides SR22 insurance with flexible terms
Mendota	$1,350 – $1,650	Specializes in non-standard auto insurance
Suncoast	$1,400 – $1,700	Competitive rates for high-risk drivers
Falcon Insurance Company	$1,350 – $1,650	Known for reasonable SR22 insurance rates

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

An SR22 filing is a form submitted by your insurance company to the state of Nebraska, proving that you have the minimum required liability insurance. You might be required to carry an SR22 for several reasons:

1. DUI or DWI Convictions

If you’ve been convicted of driving under the influence (DUI) or driving while intoxicated (DWI), Nebraska requires you to file an SR22 to reinstate your driving privileges.

2. Serious Traffic Violations

Engaging in reckless driving, speeding excessively, or other major traffic offenses may lead to the need for an SR22 filing.

3. At-Fault Accidents Without Insurance

If you’re involved in an accident and found at fault while not having the state-required liability insurance, you will likely need to file an SR22.

4. Driving with a Suspended or Revoked License

Operating a vehicle while your license is suspended or revoked can necessitate an SR22 to get your license reinstated.

5. Repeat Traffic Offenders

Accumulating multiple traffic violations in a short period can result in being classified as a high-risk driver, requiring an SR22 filing.

6. Failure to Pay Judgments

Failing to pay a court judgment related to a car accident can also lead to an SR22 requirement.

7. License Reinstatement After Suspension

If your driver’s license has been suspended for any reason, the state of Nebraska may require an SR22 filing to reinstate it.

How to Get an SR22 Filing in Nebraska

Step	Action	Details
Step 1	Understand SR22 Requirements	SR22 is a certificate of financial responsibility required after serious driving offenses such as DUI or driving without insurance.
Step 2	Contact Your Insurance Company	Not all insurance companies offer SR22 filings. Reach out to providers like Progressive, Dairyland, Gainsco, Assurance America, National General (an Allstate subsidiary), The General, Bristol West, Mendota, Suncoast, or Falcon.
Step 3	Purchase an Auto Insurance Policy	Ensure your policy meets Nebraska’s minimum liability coverage: Bodily Injury Liability: $25,000 per person,$50,000 per accident Property Damage Liability: $25,000 per accident
Step 4	Request the SR22 Filing	Ask your insurer to file an SR22 form with the Nebraska DMV. There may be an additional fee for the SR22 filing.
Step 5	Maintain Your SR22	Keep the SR22 filing for typically three years without any lapses in your insurance policy. Lapses may result in suspension of your driving privileges.
Step 6	Check with the Nebraska DMV	Verify that the Nebraska DMV has received your SR22 filing and that your driving record reflects this.
Step 7	Keep Documentation	Maintain a copy of your SR22 form and related documents for reference or in case of issues with your filing.

By following these steps and maintaining the required documentation, you can ensure compliance with Nebraska’s SR22 filing requirements. For additional help, consider contacting a local insurance agent or the Nebraska DMV directly.

Nebraska Auto Insurance Providers for SR22

Maintaining an SR22 filing can be more costly due to higher insurance premiums, but it is crucial to comply with state laws and regain your driving privileges. For more guidance on obtaining an SR22, comparing insurance rates, or finding cheap SR22 insurance options, contact our office for assistance.

Topic	Details
Recommended SR22 Providers	Consider getting your SR22 insurance through the following providers:
Provider	Details
Progressive	Known for competitive rates and extensive coverage options.
Dairyland	Specializes in high-risk insurance and SR22 filings.
Gainsco	Offers affordable rates for SR22 insurance policies.
Assurance America	Provides tailored policies for high-risk drivers.
National General	An Allstate subsidiary with a focus on SR22 insurance.
The General	Known for catering to drivers needing SR22 filings.
Bristol West	Offers customizable coverage options and SR22 services.
Mendota	Provides SR22 filings with flexible payment plans.
Suncoast	Focuses on high-risk insurance solutions, including SR22 filings.
Falcon	Offers specialized insurance policies for SR22 needs.
Cost of SR22 Filing	Higher Premiums: SR22 filings typically result in higher insurance premiums due to the increased risk associated with the driver. Filing Fee: An additional fee is charged for the SR22 filing itself, which varies by provider. Compliance: It’s crucial to maintain continuous coverage to comply with state laws and avoid further penalties or suspension of driving privileges.
Steps to Obtain SR22 Insurance	Step 1: Contact your insurance provider or find a provider from the recommended list. Step 2: Purchase or update your auto insurance policy to meet Nebraska’s minimum liability coverage requirements. Step 3: Request the SR22 filing from your insurer, which will be submitted to the Nebraska DMV. Step 4: Maintain the SR22 filing for the required period (usually three years) without any lapses in coverage. Step 5: Verify with the Nebraska DMV that your SR22 filing has been received and correctly reflected in your driving record. Step 6: Keep all related documentation, including the SR22 form and insurance policy details.
Additional Guidance	Compare Insurance Rates: Regularly compare rates from different providers to ensure you’re getting the best deal on your SR22 insurance. Find the Cheapest SR22 Insurance: Look for discounts and special programs offered by insurance companies to reduce your premiums. Contact Our Office: For personalized assistance, more information on obtaining an SR22, or help finding the cheapest options, contact our office. We provide guidance and support to ensure you meet all requirements and regain your driving privileges as soon as possible.

Comparison of Average Full Coverage Rates by Insurance Companies

When shopping for full coverage auto insurance, it’s essential to compare rates from different insurance companies to find the best deal that meets your needs. Full coverage typically includes liability, comprehensive, and collision insurance, providing extensive protection for your vehicle. The table below presents a comparison of average full coverage rates offered by various insurance companies. These rates can vary based on factors such as your driving record, age, vehicle type, and location, so it’s wise to get personalized quotes for the most accurate pricing.

Insurance Company	Average Annual Rate
Progressive	$1,200
Dairyland	$1,350
Gainsco	$1,400
Assurance America	$1,450
National General	$1,300
The General	$1,375
Bristol West	$1,320
Mendota	$1,480
Suncoast	$1,410
Falcon	$1,395

By comparing these rates, you can identify which insurance company offers the most competitive price for full coverage. Keep in mind that rates are subject to change, and additional discounts may be available based on your individual circumstances. Always ensure that you are getting the coverage you need while also considering the cost. For personalized quotes and further assistance, contact our office.

SR22 Insurance Without a Vehicle: What Can You Do?

If you need SR22 insurance but don’t own a vehicle, you can still comply with the SR22 filing requirements by obtaining a non-owner SR22 insurance policy. Here’s what you need to know:

Topic	Details
What is Non-Owner SR22 Insurance?	Non-owner SR22 insurance is a policy designed for individuals who do not own a vehicle but still need to meet the SR22 filing requirements mandated by the state. This type of policy provides liability coverage when driving a vehicle that you do not own.
Coverage Provided	Non-owner SR22 insurance typically includes: Bodily Injury Liability: Coverage for injuries you cause to others in an accident. Property Damage Liability: Coverage for damage you cause to another person’s property. It does not cover damage to the vehicle you are driving or any injuries you sustain.
Who Needs Non-Owner SR22 Insurance?	You may need non-owner SR22 insurance if you: Have had your driver’s license suspended or revoked due to driving violations. Need to reinstate your driving privileges but do not own a vehicle. Regularly drive vehicles that you do not own.
Steps to Obtain Non-Owner SR22 Insurance	Step 1: Contact an insurance provider that offers non-owner SR22 insurance. Providers include Progressive, Dairyland, Gainsco, Assurance America, National General, The General, Bristol West, Mendota, Suncoast, and Falcon. Step 2: Purchase a non-owner insurance policy that meets Nebraska’s minimum liability coverage requirements. Step 3: Request your insurer to file an SR22 form with the Nebraska DMV on your behalf. Step 4: Maintain your non-owner SR22 insurance for the required period (usually three years) without any lapses in coverage.
Cost of Non-Owner SR22 Insurance	Higher Premiums: Like standard SR22 insurance, non-owner SR22 insurance can be more costly due to the higher risk associated with the driver. Filing Fee: An additional fee is charged for the SR22 filing, which varies by provider.
Benefits of Non-Owner SR22 Insurance	Compliance: Allows you to meet the state’s SR22 filing requirements without owning a vehicle. Driving Privileges: Helps reinstate and maintain your driving privileges. Flexibility: Provides liability coverage when driving borrowed or rented vehicles.
Additional Tips	Compare Rates: Shop around and compare rates from different providers to find the most affordable non-owner SR22 insurance. Keep Documentation: Always keep a copy of your SR22 form and insurance policy details for reference. Contact Our Office: For more personalized assistance or help finding the best non-owner SR22 insurance options, contact our office. We can provide guidance and support to ensure you meet all requirements and maintain your driving privileges.

By following these steps, you can obtain and maintain non-owner SR22 insurance, ensuring you comply with state requirements even if you don’t own a vehicle.

Rates by Company for Liability Insurance With an SR22

Here’s a table outlining the typical rates for liability insurance with an SR22 from various companies. Keep in mind that rates can vary based on factors such as your location, driving history, age, and the specific details of your insurance policy. The rates provided below are estimates:

Company	Estimated Monthly Rate	Details
Progressive	$70 – $120	Competitive rates with flexible payment options and discounts for good driving behavior.
Dairyland	$80 – $140	Specializes in high-risk drivers and offers comprehensive SR22 services.
Gainsco	$75 – $130	Affordable rates with customizable coverage options.
Assurance America	$85 – $150	Tailored policies for high-risk drivers, including SR22 filings.
National General	$90 – $160	An Allstate subsidiary known for comprehensive SR22 insurance solutions.
The General	$80 – $145	Provides easy SR22 filings and caters to high-risk drivers.
Bristol West	$85 – $155	Offers customizable coverage with a focus on high-risk insurance needs.
Mendota	$75 – $140	Flexible payment plans and specialized SR22 services.
Suncoast	$80 – $150	Focuses on high-risk insurance solutions, including SR22 filings.
Falcon	$75 – $135	Specializes in providing affordable SR22 insurance policies.

Additional Factors to Consider

• Location: Rates can vary significantly depending on your state and even your city.
• Driving History: Your driving record will heavily influence your premiums. More violations typically result in higher rates.
• Age and Experience: Younger, less experienced drivers may face higher premiums.
• Coverage Limits: Higher coverage limits will result in higher premiums. Make sure you meet at least the state minimum requirements.
• Discounts: Many insurers offer discounts for things like good driving behavior, bundling policies, and taking defensive driving courses.

Tips for Cheap SR22 Insurance Costs

• Shop Around: Get quotes from multiple insurance providers to find the best rates.
• Improve Your Driving Record: Avoid further violations to help reduce your premiums over time.
• Ask About Discounts: Inquire about any available discounts that you might qualify for.
• Choose Higher Deductibles: Opting for a higher deductible can lower your monthly premium.

Company Fees For Filing an SR22 For Nebraska Insurance

Most insurance companies that 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.

Here is a table detailing the estimated fees for filing an SR22 for Nebraska insurance from various companies. These fees can vary, so it’s always best to contact the provider directly for the most accurate information.

Company	Estimated SR22 Filing Fee	Details
Progressive	$15 – $25	Progressive offers a straightforward SR22 filing process with competitive fees.
Dairyland	Free	Dairyland specializes in high-risk insurance.
Gainsco	$20 – $35	Gainsco provides SR22 filings with flexible coverage options.
Assurance America	$20 – $35	Assurance America offers tailored high-risk policies with reasonable filing fees.
National General	$25 – $30	An Allstate subsidiary, National General provides reliable SR22 filing services.
The General	$25 – $35	The General is known for accommodating high-risk drivers with accessible SR22 filings.
Bristol West	$20 – $30	Bristol West offers customizable coverage with moderate SR22 filing fees.
Mendota	$20 – $35	Mendota provides flexible payment plans and specialized SR22 services.
Suncoast	$20 – $35	Suncoast focuses on high-risk solutions, including SR22 filings at competitive rates.
Falcon	$20 – $30	Falcon offers affordable SR22 insurance policies with reasonable filing fees.

Additional Considerations

• Policy Costs: The SR22 filing fee is in addition to your regular insurance premium.
• State Fees: There might be additional state-mandated fees for processing the SR22 form.
• Duration: The filing fee is usually a one-time charge, but maintaining the SR22 status can influence your overall premium for the duration required (usually three years).

Steps for Filing an SR22 in Nebraska

1. Contact Your Insurance Provider: Check if they offer SR22 filings and discuss your specific needs.
2. Purchase a Policy: Ensure your policy meets Nebraska’s minimum liability requirements.
3. Request the SR22 Filing: Pay the filing fee to have your insurer submit the SR22 form to the Nebraska DMV.
4. Maintain Continuous Coverage: Avoid any lapses in your insurance to comply with state requirements.

Filing an SR22 in Nebraska involves a filing fee on top of your insurance premiums. It’s important to shop around and compare both the filing fees and the overall cost of insurance policies. For personalized assistance, contact our office, where we can provide guidance and support to ensure you meet all requirements and find the most cost-effective solutions.

SR22 Insurance in Nebraska for Child Support Compliance

In Nebraska, you might need SR22 insurance not only for driving violations but also for failure to pay child support. Here’s a simplified guide on obtaining SR22 insurance for child support compliance:

What is SR22 Insurance for Child Support?

SR22 insurance is a certificate of financial responsibility required by the state to prove you have the minimum vehicle insurance. If you fall behind on child support, the court might require SR22 insurance to maintain or reinstate your driving privileges.

Costs Involved

• Higher Premiums: SR22 insurance often has higher premiums due to increased risk.
• Filing Fee: The filing fee usually ranges from $15 to $35, depending on the provider.

Benefits of Compliance

• Legal Compliance: Avoids further legal issues.
• Driving Privileges: Helps you regain and maintain your driving privileges.
• Financial Responsibility: Shows commitment to fulfilling child support obligations.

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.

Full coverage car insurance provides extensive protection by combining several types of insurance:

• Liability Insurance: Covers medical expenses and property damage you cause to others in an accident.
• Collision Coverage: Pays for damage to your car from collisions, regardless of fault.
• Comprehensive Coverage: Covers non-collision incidents like theft, vandalism, natural disasters, and animal collisions.

Benefits

Full coverage offers broad protection and peace of mind by ensuring financial safety in various scenarios. However, it is more expensive than minimum liability insurance and requires paying deductibles for collision and comprehensive claims.

The cost for full coverage varies upon the type of vehicle, coverages desired, and the drivers history.

Below is a table with full coverage estimates by city:

City	Price
Superior	$150
Ord	$182
Auburn	$149
Beatrice	$170
Waverly	$161
McCook	$175
Minden	$172
Omaha	$164
Kimball	$168
Holdrege	$161
North Platte	$159
Papillion	$181
Grand Island	$159
Lincoln	$147
La Vista	$181
David City	$150
Central City	$162
Dakota City	$167
Fairbury	$147
Chalco	$177
Wahoo	$155
Wayne	$159
Plattsmouth	$172
Hastings	$164
Hickman	$154
West Point	$175
Bennington	$174
Ralston	$168
Aurora	$174
Pierce	$158
Sidney	$160
Wilber	$151
Imperial	$168
Valentine	$166
York	$165
Ashland	$163
Geneva	$167
Madison	$175
Gothenburg	$171
Ogallala	$165
Fremont	$173
Norfolk	$161
Tekamah	$170
St. Paul	$160
Nebraska City	$151
Mitchell	$162
Valley	$174

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.

Company	SR22 Offered
State Auto	NO
Assurance America	YES
Safeco	NO
Bristol West	YES
Travelers	NO
Mendota Ins. Company	YES
GAINSCO	YES
21st Century	NO
Geico	YES
State Farm	NO
Dairyland	YES
National General	YES
Allstate	UNSURE
Nationwide	NO
Acceptance RTR	YES
Liberty Mutual	YES
The General	YES
USAA	NO

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.

State	State Minimum	PIP?
Nebraska	25/50/25	N/A

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 beneficial to raise your liability limits in case an unexpected event that may occur.

Frequently Asked Questions about SR22 Insurance Nebraska

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

Last Updated on July 18, 2024 by Veronica Moss