SR-22 insurance in Nebraska: Quotes, rankings and information

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#1
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USAA
4.72 ★★★★★
4.72 ★★★★★
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#2
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AAA
4.12 ★★★★★
4.12 ★★★★★
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#3
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Grinnell Mutual
4.11 ★★★★★
4.11 ★★★★★
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#4
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4.10 ★★★★★
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#5
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4.09 ★★★★★
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#6
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4.06 ★★★★★
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#7
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Nationwide
4.04 ★★★★★
4.04 ★★★★★
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#8
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allstate
4.00 ★★★★★
4.00 ★★★★★
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#9
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4.00 ★★★★★
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#10
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3.98 ★★★★★
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#11
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Esurance, Inc.
3.98 ★★★★★
3.98 ★★★★★
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#12
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3.95 ★★★★★
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#13
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3.92 ★★★★★
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#14
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dairyland
3.82 ★★★★★
3.82 ★★★★★
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#15
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3.57 ★★★★★
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#16
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3.30 ★★★★★
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#17
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3.25 ★★★★★
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#18
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2.64 ★★★★★
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#19
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2.50 ★★★★★
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#20
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2.43 ★★★★★
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Why would you need an SR-22 in Nebraska?

If you’ve committed a driving violation in Nebraska, you may be required by the state or court to file an SR-22 form. An SR-22 filing is completed through your insurance company and its purpose is to provide proof to Nebraska that you have at least the minimum amount of liability coverage required in the state. It's important to know what type of insurance you're required to have in Nebraska, and where you can obtain the most affordable auto insurance policies. If your Nebraska driver’s license has been suspended or revoked due to reckless driving, you may need to file an SR-22 in order to get your driving privileges reinstated.

Although an SR-22 is commonly referred to as insurance, the SR-22 is actually a document filed by an insurance company, acting as proof of insurance during a license suspension, showing that a driver is financially responsible for any accidents that he/she may be responsible for. It’s not different from your traditional car insurance, but it’s often called SR-22 insurance because it affects your car insurance coverage and rates. On average, drivers with SR-22 insurance after a DUI in Nebraska pay 68 percent more for car insurance than drivers with a clean record.

Typically, SR-22 insurance is required in Nebraska for a minimum of three years. Your required filing period of time could vary based on your situation and the violation you committed. Throughout your filing period, you must maintain your SR-22 insurance policy. If your policy is canceled and you have a lapse in coverage, you may need to start the filing period over again and your license may be suspended.

Those who require an SR-22 to prove financial responsibility but do not own a vehicle can get a non-owner SR-22 insurance policy. This will allow you to work towards getting your driving privileges reinstated and completing your SR-22 insurance requirement.

If you maintain your SR-22 insurance policy for your required filing period, keep a clean driving record free from violations, and complete all other requirements associated with your violation, you may see your car insurance rates begin to decrease once your filing period is completed.

This may not always be the case. Because auto insurance rates can fluctuate when you're required to have an SR-22, you may want to see what else is out there so you can meet the minimum coverage requirements and not break the bank at the same time. There's a wide array of companies in Nebraska, so if your current carrier isn't willing to work with you because of your SR-22 status, you can always shop around. We also have an online, free tool that will let you compare quotes from different companies.

What are your insurance limits in Nebraska?

An SR-22 form verifies to the state of Nebraska that you have at least the minimum amount of liability coverage required of you. In Nebraska, all drivers are required to have liability insurance coverage. You must have at least the following liability coverages and limits:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident

You may think that these limits are high, but comparing them against medical expenses accrued after an accident may prove otherwise.

Who needs SR-22 insurance in Nebraska?

You may need SR-22 insurance in Nebraska if your license was suspended. Your license could be suspended for a number of reasons and there are many instances in which you may be required to file an SR-22 insurance in Nebraska. You could need SR-22 insurance for the following reasons:

  • Conviction for driving under the influence (DUI or DWI)
  • Driving without car insurance
  • Driving with a revoked or suspended license
  • Having repeated traffic violations in a certain amount of time, including speeding tickets
  • Numerous at-fault accidents
  • A fatal at-fault accident or one that results in injuries
  • Reckless or dangerous driving
  • Assignment from a court order
  • Failure to pay fines from tickets
  • Refused consent to breathalyzer or blood alcohol test

What are the rates of insurance in Nebraska?

If you need Nebraska SR-22 insurance, you’ll be considered a high-risk or a non-standard driver. Drivers who are a high risk typically pay the most for car insurance coverage because of the risk they pose to insurance companies. However, car insurance rates can vary by company. Other factors besides your driving record that can affect your cost of SR-22 insurance include your age, gender, ZIP code, credit score, vehicle type, marital status and so on.

One of the most common reasons drivers are required to get SR-22 insurance is because of a DUI. On average, drivers with one DUI conviction in Nebraska pay $1,666 per year for car insurance. That’s 68 percent more than car insurance for a driver with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from.

In the table below, you can find average rates for Nebraska drivers who have one DUI conviction from some of the largest companies in the state.

Company Car insurance rate
Progressive $1,152
American Family $1,287
Farmers $1,376
State Farm $1,479
Allstate $1,605
Safeco $1,647
USAA* $1,761
Auto-Owners $1,831
Nationwide $1,868
Farmers Mutual of Nebraska $2,091
Farm Bureau Property & Casualty Insurance Company (FBPCIC) $2,332

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Nebraska will differ. Rate data is provided by Quadrant Information Services.

How do you file for an SR-22 in Nebraska?

Not all car insurance companies offer SR-22 insurance. In order to get an SR-22 form filed, you need to go through a car insurance company licensed in Nebraska. You can’t file an SR-22 form on your own.

If you’re required to file an SR-22 in Nebraska, you can contact your car insurance company to see if it offers SR-22 insurance. If it doesn’t, you’ll need to shop around for a new policy and find a company that offers SR-22 insurance.

You may want to shop around for a new policy even if your company does offer SR-22 insurance. SR-22 insurance rates vary by company, so you may be able to find a company that can offer you more affordable rates.

Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in Nebraska with a minimum of 25 reviews. If you want to see which companies customers say are the best car insurance companies for SR-22 insurance in Nebraska, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available, or visit the company’s website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

Are there any fees associated with an SR-22 in Nebraska?

In addition to the cost of the car insurance policy, your insurance company may charge you a one-time fee to file the SR-22 insurance form on your behalf. The fee may cost between $25 and $50. This can be said in more places than just Nebraska, but it doesn't hurt to double check.

You may also be required to pay other fees associated with your violation that caused you to need SR-22 insurance. For example, if you had a DUI and your license was suspended, you may need to pay a reinstatement fee to get your license back, a fine for the DUI as well as many other potential requirements that may cost you.

How are car insurance rates calculated?

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

Auto policies can be fine tuned to match your needs, so it's best to understand the types of coverage that are offered. Plus, since the minimum requirements are different from state to state, you should know what you're expected to have as well.

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How can you save money on your car insurance?

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your auto policy with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better rates

You can always ask your insurance carrier if you have the right level of coverage as well. There's also the possibility of driver discounts as well.

How does Clearsurance rank companies in Nebraska?

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer service
  • Overall experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Is there a guide available with more information?

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper wealth of knowledge regarding car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

Just keep in mind that the lowest rates won't necessarily provide you with the best coverage. Should you require an SR-22 certificate as a form of proof that you meet your state's insurance requirements, you may need to talk with more than a few companies just to find a decent cost for a standard policy.

If you'd like to comparison shop, try our free online quote tool.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

Save Money by Comparing Insurance Quotes
Compare Free Insurance Quotes Instantly
ZIP Code must be filled out!
 Secured with SHA-256 Encryption