Cheap SR-22 Insurance in Nebraska From $48
Auto-Owners offers the cheapest rates for SR-22 holders, at $48 per month.
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If authorities catch you driving under the influence or without insurance in Nebraska, you’ll need to get an SR-22 certificate. This document provides the Nebraska Department of Motor Vehicles (DMV) with proof that you meet the state’s minimum liability insurance requirements.
Here’s how to find car insurance with an SR-22 certificate.
Cheapest companies for SR-22 insurance in Nebraska
If you have to get an SR-22 in Nebraska, you can expect higher insurance premiums. But it’s still possible to find reasonable coverage. The table below lists some cheap auto insurance companies to consider.
What is SR-22 insurance in Nebraska?
An SR-22 isn’t technically insurance. Rather, it’s a certificate of financial responsibility proving that you meet the minimum liability insurance requirements in your state.
In Nebraska, minimum liability amounts include:1
$25,000 of bodily injury liability to or death of one person per accident
$50,000 of bodily injury liability to or death of two or more people per accident
$25,000 of property damage liability per accident
Only certain Nebraska drivers need to carry an SR-22 form — including those who’ve had the state suspend or revoke their license due to racking up too many points, a court-ordered revocation, DUI, or driving without insurance. Even if you don’t own a car but get a violation, you have to purchase a non-owner SR-22 insurance policy.
If you need an SR-22 filing, it’s up to you to notify your insurance company. You or your insurance company are also responsible for mailing, electronically submitting, or personally delivering your SR-22 to the DMV.
The form includes:
Name
Address
Valid insurance policy number
Name of insurance company
Effective date and certification date of policy
You also need the document signed by someone authorized by the DMV.
Difference between SR-22 and FR-44
An SR-22 and FR-44 are both certificates of insurance that high-risk drivers need to prove they have the necessary insurance.
While an SR-22 provides proof that you meet the minimum insurance requirements in your state, an FR-44 form requires higher liability coverage than the minimum requirements.
An FR-44 is only available in Florida and Virginia and used only in the most serious offenses. Nebraska drivers don’t need to worry about an FR-44 unless they move to Florida or Virginia.
When you need SR-22 insurance
You’ll only need an SR-22 form if you have a high-risk driving violation on your record.
Some specific examples of driving offenses that may require an SR-22 include driving under the influence (DUI), driving without insurance, driving with a suspended license, or having too many accidents on your record.
How to get SR-22 insurance in Nebraska
If you need to get an SR-22 certificate in Nebraska, follow these steps:2 3
How long Nebraska requires SR-22 insurance
The form must remain on file for three years for Nebraska drivers requiring an SR-22 due to point revocation, no proof of insurance, or other court-ordered revocations. A lapse or cancellation of your SR-22 during the three-year term can result in the suspension of your license and driving privileges.4
The length of time the Nebraska DMV requires SR-22 insurance can also vary depending on certain circumstances. For example, if you have an employment drive permit or medical hardship permit, you’ll require an SR-22 on file until the permit expires.
How SR-22 insurance affects driving record and future rates in Nebraska
Your driving record is one of the factors insurers consider when calculating your insurance premiums. Since SR-22s are given to high-risk drivers, you can expect your insurance premiums to increase.
If you want to work on improving your driving record and lower your auto insurance rates while having SR-22 insurance, consider the following tips:
Increase your deductible. Your deductible is the amount of money you have to pay out of pocket before your insurance kicks in. Increasing your deductible can lower your monthly premiums. Before making a change, make sure you can afford to pay a higher deductible if you need to submit a claim.
Look for discounts. Most insurance companies offer a variety of discounts that can help you save. Examples include bundling discounts, defensive driving discounts, good student discounts, and loyalty discounts.
Compare insurance companies. Different insurance companies offer different premiums and discounts. Before you choose an insurer, compare multiple companies to see which one fits your needs and budget.