Updated April 2026
Minimum Coverage Requirements in Nebraska
Nebraska requires liability minimums of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions typically must file SR-22 proof of financial responsibility with the Nebraska Department of Motor Vehicles for three years. State law requires continuous coverage during the SR-22 period—any lapse triggers license re-suspension and restarts the filing requirement. High-risk drivers often need coverage above state minimums to meet insurer underwriting standards and avoid policy cancellation.
How Much Does Car Insurance Cost in Nebraska?
High-risk insurance premiums in Nebraska vary widely based on violation type, driving history, age, and location. DUI offenders typically face the steepest increases—rates can triple or quadruple compared to a clean record. Non-standard carriers dominate the SR-22 market and price policies based on risk tier, with some requiring payment in full or large down payments upfront.
What Affects Your Rate
- Violation type: DUIs increase rates more than speeding tickets or lapses
- Time since violation: rates decrease 10–20% each year without new incidents
- Age and experience: drivers under 25 with violations pay the highest premiums
- Location: Omaha and Lincoln rates run 15–25% higher than rural Nebraska due to accident frequency
- Credit score: Nebraska allows credit-based insurance scoring, which can add 20–40% to premiums for high-risk drivers with poor credit
- Carrier choice: non-standard specialists often offer lower rates than standard carriers for SR-22 policies
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Sources
- Nebraska Department of Motor Vehicles – SR-22 Certificate of Financial Responsibility
- Nebraska Revised Statutes Chapter 60 – Motor Vehicles (Financial Responsibility)
- Nebraska Department of Insurance – Consumer Resources