Updated April 2026
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.
How 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
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Sources
- Nebraska Department of Motor Vehicles — SR-22 and Financial Responsibility Requirements
- Nebraska Revised Statutes Chapter 60 — Motor Vehicles
- Nebraska Department of Insurance — Consumer Guides