If you need an SR-22 for auto insurance in Nebraska, you're not alone. This relatively common insurance requirement is often needed after a citation like a DWI conviction, a citation for driving without proof of insurance, an accident with substantial property damage, driving with a suspended license, or accuring excessivepoints on your license.
Getting affordable coverage with a SR-22 in Nebraska might require some research, but it could pay off in the end. We examined how much a SR-22 certificate costs in Nebraska and how to easily get one — let's look at the details.
How much does an SR-22 cost in Nebraska?
Insurance with an SR-22 requirement in Nebraska tends to be expensive. This isn't a result of the SR-22 itself — typical filing fees run just $15 to $35 — but a product of the insurance rate increases caused by the violation that necessitated the SR-22 in the first place.
Auto insurance companies charge high-risk motorists increased rates to account for the increased risk of claims payouts via collisions. The rate increase you will receive may depend on the number and severity of infractions — below are standard insurance rates for drivers with SR-22s in Nebraska.
NEBRASKA INSURANCE RATES AFTER COMMON VIOLATIONS
|High-risk rating factor||Average annual rate||Increase vs. no violations|
|At-fault collision (>$2,000)||$1,902||$532|
|Speeding (21-25 mph > limit)||$1,569||$199|
If you need affordable auto insurance after getting a SR-22 certificate, The Zebra is here to help. Provide your ZIP code below to get personalized auto insurance quotes from popular companies.
How to get an SR-22 in Nebraska
For currently insured driversIf you currently have auto insurance, getting an SR-22 is straightforward. Call your insurer request they file a SR-22 request on your behalf. If your current car insurance company isn’t willing to file for an SR-22, you should look for a new auto insurance company.
If you're currently uninsuredWhen applying for car insurance, you might need to pay extra to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 certification may disqualify you from getting coverage from some companies, while others will sell you a policy.
Don't own a vehicle?If you don't own a vehicle, it could be more difficult to obtain an SR-22, as you will need to furnish proof of insurance to obtain a certificate. If this is the case, you should apply for a non-owners auto insurance policy before pursuing an SR-22. Non-owners car insurance should be less costly than standard coverage since it doesn't protect against physical damages to your vehicle.
The Zebra performed auto insurance rate analysis through its proprietary insurance quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra assessed nearly 53 million premiums to examine trends related to car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.