Nebraska SR-22 Auto Insurance

The Zebra
Nov. 16, 2018

If you need an SR-22 to get car insurance in Nebraska, you aren't the only one. This relatively standard legal requirement is often needed after a violation like a DUI/DWI, a citation for driving without insurance, a collision causing substantial property damage, a citation for driving with a suspended license, or amassing too many points on your license.

Finding inexpensive insurance coverage with an SR-22 in Nebraska might take some research, but it might be worthwhile. The Zebra assessed how much a Nebraska SR-22 would cost and how to easily get one — let's look at the details.

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Average SR-22 costs in Nebraska

Insurance after an SR-22 in Nebraska is often expensive. This isn't a direct cost of the certificate — filing fees could be as cheap as $15 to $35 — but because of the insurance rate increases affiliated with the driving violation that made the SR-22 necessary.

Car insurance companies charge higher-risk clients steeper rates to account for the heightened risk of claims payouts. The rate increase you’ll face depends on the frequency and severity of your infractions — below are average auto insurance rates for drivers with SR-22s in Nebraska.

Rating factorAverage annual rateIncrease vs. no violations
No citations$1,184.20
At-fault collision (>$2,000)$1,855.00$670.80
Speeding (21-25 mph > limit)$1,427.15$242.95
Reckless driving$1,948.69$764.49
Leaving the scene of an accident$1,836.32$652.12

If you're seeking affordable car insurance with a SR-22, we are here to help. Enter your ZIP code below to get personalized auto insurance quotes from leading companies.

How to obtain an SR-22 in Nebraska

For currently insured drivers:

If you already have auto insurance, obtaining an SR-22 certificate should be simple. Phone your insurance company ask them to file a SR-22 request for you. If your current car insurance company won't request a certificate, you should look for a new auto insurance company.

For uninsured drivers:

When filing for car insurance, you'll be billed extra for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. Needing an SR-22 might disqualify you from being insured by some carriers, while others would be happy to sell you a policy.

For drivers who don’t own a vehicle:

Not owning a vehicle makes it tougher to obtain an SR-22, as you'll need proof of insurance to receive the certificate. In this scenario, you should purchase a non-owners auto insurance policy before pursuing an SR-22. Non-owners car insurance is typically less expensive than standard coverage since it doesn't protect against material damage sustained by your vehicle.

Our methodology

Between September and December 2017, we performed car insurance price analysis through our proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra examined almost 53 million premiums to identify trends related to specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.