Minimum Coverage Requirements in Nebraska
Nebraska requires minimum liability coverage of 25/50/25 — $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers convicted of DUI, driving without insurance, or accumulating 12 or more points in a 24-month period typically face SR-22 filing requirements. SR-22 is not a separate insurance policy but a certificate filed by your insurer with the Nebraska Department of Motor Vehicles proving you carry continuous coverage. Most drivers must maintain SR-22 for 3 years, and any lapse triggers license suspension and restarts the clock.
Meeting the state minimum keeps you legal. See whether it's enough — get your Nebraska quote.
Get your Nebraska quoteHow Much Does Car Insurance Cost in Nebraska?
High-risk drivers in Nebraska face premiums 50–200% higher than clean-record drivers due to violation surcharges, SR-22 classification, and placement with non-standard carriers. A DUI conviction typically increases rates by 80–150%, while a suspension for points or uninsured driving adds 60–120%. Rates begin to decline after 3 years of continuous coverage with no new violations, and most drivers see standard market eligibility return after 5 years.
What Affects Your Rate
- Violation type — DUI convictions carry the highest surcharges, often 80–150% increases, while at-fault accidents add 40–70%
- SR-22 filing requirement — adds $15–$50 upfront plus 20–50% ongoing premium increase for high-risk classification
- Point accumulation — 6–11 points typically increase rates 30–60%; 12+ points trigger suspension and SR-22 requirement
- Coverage lapses — any gap in coverage during SR-22 period restarts the 3-year clock and adds lapse surcharges of 20–40%
- Non-standard carrier placement — specialist insurers charge 50–100% more than standard market but are often the only option for SR-22 drivers
- Time since violation — rates drop 10–20% per year after 3 years of clean driving, with full standard market eligibility typically returning after 5 years
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Nebraska requires 25/50/25 minimums, but a serious injury claim can exhaust these limits in minutes.
SR-22 Insurance
A certificate filed by your insurer with the Nebraska DMV proving you carry continuous liability coverage. Required for 3 years after DUI, suspension, or uninsured violations.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers with DUIs, suspensions, or multiple violations. These insurers file SR-22 and offer payment plans but charge significantly higher premiums.
Full Coverage
Combines liability, comprehensive, and collision to cover both your legal exposure and your vehicle's repair or replacement cost. Required by lenders and lessors.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when you're hit by a driver with no insurance or insufficient coverage. Nebraska does not require UM but insurers must offer it.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Typically required if you have a loan or lease.
