SR-22 in Nebraska: What You Need to Know

Nebraska requires drivers to maintain an SR-22 for at least three years after they have been convicted of a serious driving offense.
Written by Tom Hindle
Reviewed by Kathleen Flear
In Nebraska, SR-22 insurance is required for a minimum of three years after a driver has committed a serious traffic offense.
Following a conviction for a major moving violation, such as a DUI, DWI, or reckless driving, your driver’s license could be suspended or revoked.
That’s where the SR-22 comes in. It serves as proof from your car insurance company that you have the minimum coverage necessary to have your license reinstated.
, the
car insurance
shopping app, here's what you need to know about SR-22s and how they can affect your
car insurance in Nebraska:

What is an SR-22 in Nebraska?

In Nebraska, SR-22 insurance is a form submitted to the DMV by insurers on behalf of
high-risk drivers
who’ve had their license suspended or revoked due to a major driving conviction.
An SR-22 is basically support from your insurance provider stating that you can still pay your minimum coverage despite legal and financial punishment.
If you drive safely for three years following your conviction, you will no longer need SR-22 insurance.
An SR-22 usually becomes necessary after a significant driving issue, such as:
  • Driving while intoxicated
  • Driving under the influence
  • Reckless driving
  • Driving with a suspended license
  • Driving without insurance coverage
Following a conviction for one of these violations, you’ll need an SR-22 that guarantees a minimum of:
Keep in mind, though, that these are
Nebraska's minimum requirements
, and you might want to ask your insurance company to give you a more robust package.
Key Takeaway You’ll need an SR-22 for three years after having your license revoked or suspended in Nebraska.

Who needs an SR-22 in Nebraska?

Drivers who’ve had their
license suspended or revoked
due to a DUI or reckless driving conviction typically need an SR-22 to get back on the road.
You might also be required to get one if you’ve accrued too many points on your license.
Whether you’ll need one—or for how long—is determined on a case-by-case basis.
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How do you get an SR-22 in Nebraska?

After you receive a court order to obtain an SR-22, it’s your job to inform your provider that your license has been suspended, and after that, they will usually help you file the necessary documents.
You’ll have to make sure you pay any fines or legal fees outstanding from your conviction. You might also have to pay some expensive license reinstatement fees. A lot of the process can be completed online, though!
Also, be aware that some insurers simply won’t
file an SR-22
. Whether you’re too much of a risk, or the financial commitment is too large, it’s ultimately their choice. Some companies don’t offer them at all.
Key Takeaway Your insurance provider will file an SR-22 for you in Nebraska, but you might have to shop around for a new provider.

How much does an SR-22 cost in Nebraska?

Your insurance company will handle most of the paperwork and it’ll only cost you between $15 to 25.
Unfortunately, there are a few other costs associated with SR-22 certificates in Nebraska. For one, your
insurance costs will probably increase
. Average yearly costs are almost double for SR-22-insured drivers compared to drivers with clean records.
You can also expect to lose any
safe driver discounts
or safe driving merits you may have earned—further hiking up your insurance prices.
Also, remember that SR-22 certificates are the result of convictions. You’ll likely have fines and possibly even court fees to deal with. To top it all off, the DMV will charge you a license reinstatement fee.
The bottom line, an SR-22 is an expensive endeavor.

How does an SR-22 impact your insurance in Nebraska?

A serious moving violation on your record will result in a serious hike in your premiums. The exact figure, however, will depend on the severity of the incident and the strength of your driving record.
It’s also possible that you may have to obtain a new insurance package altogether. Some companies simply don’t offer SR-22, especially if you’re considered a high-risk driver.
There is some good news. If you follow the rules and maintain an excellent driving record for three years, your SR-22 insurance will be lifted and this should bring your premiums back to more manageable levels.

How to find cheap car insurance

An SR-22 certificate doesn't look great on your driving record, but it’s not the end of the world! That’s right, you can still find a good car insurance package at a price that suits you. To find the best deal, try
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