Cheap SR22 Nebraska Auto Insurance

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The filing of an SR-22 form with the Nebraska Department of Motor Vehicles is required by the state before a suspended or revoked license can be reinstated. Certain violations can lead to such a license suspension and some of them are:

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Drivers Who Need Nebraska SR22 Insurance

Reckless Driving

DUI/DWI violation

Driving Uninsured

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  • Conviction for Driving Under the Influence
  • Conviction for Driving While Intoxicated
  • Driving without insurance
  • Driving under a suspended or revoked license

In the event that any of the above violations have been committed, the state would require that a driver file an SR-22 which is basically a proof of future financial responsibility on the part of the driver.

Cost of an SR-22 policy in Nebraska

The cost of filing an SR-22 form in the state of Nebraska is usually between $20 and $50, depending on the insurance provider doing the charging. However, compared to the increased premiums that would be required of an offending driver, the fee is insignificant.

An SR-22 is usually required as a result of a traffic offense and the filing of the form means that a driver has been legally recognized by the state as high risk. The insurance provider thus, takes this high risk status into consideration and subsequently charges such a driver higher rates as a result.


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Cheap SR22 Car Insurance Nebraska

Types of SR-22 forms available in Nebraska

  • Auto owner policy. This is a standard auto insurance policy that covers a driver on their own vehicle, the only difference being the SR-22 form attached. Drivers with personal cars are required to possess this.
  • Non owner’s policy. This is a policy that drivers who do not own their own vehicles can purchase to provide liability coverage. The policies cost less than the auto owner policies and still meet the minimum liability coverage requirements of the state.

What to do if you have no car or license

If you are required to file an SR-22 but do not own a car, you would still be required by the state of Nebraska to file the form if you ever want to legally drive within the state. Along with the filing, you must also purchase an auto insurance policy that meets the state requirements. The same goes for drivers with suspended or revoked licenses. Only upon the filing of the SR-22 form and purchase of a valid insurance policy can the licenses be reinstated.

How to file for an SR-22 in Nebraska

To file for an SR-22 in Nebraska, you need to have a valid insurance policy with a provider that issues SR-22 forms in the state. The valid insurance policy purchased with such a provider must also meet the following state-mandated minimum requirements:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $25,000 property damage coverage
  • $25,000 uninsured motorist bodily injury liability coverage per person
  • $50,000 uninsured motorist bodily injury liability coverage per accident

Once the policy has been purchased and the filing fee has been paid to the provider, the insurance provider can file the form with the state on your behalf.

If you are from another state or are moving to another state

If you are from out of state and you have an SR-22 from your previous location, the Nebraska Department of Motor Vehicles required you to submit an out-of-state SR-22 filing directly from the home office of your insurance company/provider.

If you are moving from Nebraska to another state but you have an SR-22 within Nebraska, you would still be required to maintain your SR-22 till your mandate is complete.

Maintaining an SR-22 form in Nebraska

In Nebraska the length of time for which an SR-22 filing must be maintained is unique to every situation. For instance, different terms and duration of maintenance must be set for point revocations, lack of proof of insurance and unsatisfied judgment payments. So, depending on the situation, the court would determine how long the SR-22 is required but it usually is between three to five years.

What to do if the SR-22 lapses

If your SR-22 insurance coverage lapses, is not renewed or is cancelled during the filing period, your insurance provider is required by law to report this to the state. This would further result in your license being suspended again and extra penalties could be awarded.

To avoid this fate, you might like to renew your policies weeks in advance and, in cases of a change in policy or provider, wait for the new policy to kick it before cancelling the old one.

If your license is suspended again, you would need to renew your policy and pay whatever reinstatement and court fees may accrue though, your failing period may be reset.

How to go about cancelling my filing when I no longer need SR-22 coverage

Once the mandated period of filing has been completed, you no longer need the SR-22 filing. You should first call the Nebraska Department of Motor Vehicles to confirm the completion of your mandate before contacting your insurance provider for the cancellation of the filing. Following the cancellation of the filing, your insurance premiums should return to normal.


Frequently Asked Questions (FAQ)

  • How long do you have to have an SR-22 in Nebraska?
  • In Nebraska the length of time for which an SR-22 filing must be maintained is unique to every situation. For instance, different terms and duration of maintenance must be set for point revocations, lack of proof of insurance and unsatisfied judgment payments. So, depending on the situation, the court would determine how long the SR-22 is required but it usually is between three to five years.

    For specific information pertaining to another state in question, please refer to the respective state guides that are more in-depth.

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  • How do I find out if I still need an SR-22?
  • If you are confused as to whether or not you still need to file an SR-22 with the state of Nebraska, you should contact the Nebraska Department of Motor Vehicles to confirm. If you still need the filing, the state requires you to keep maintaining your SR-22 insurance policy but if you do not need the filing anymore, you can contact your insurance provider to cancel the filing. Cancelling the filing would also result in an adjustment of your insurance rates.

  • How long is an SR-22 on your record?
  • An SR-22 is only required to be on your driving record for the duration that the filing is to be maintained for. Once the filing period has been seen through, the filing can be cancelled and your insurance premiums should be adjusted accordingly.

  • How much is an SR-22 per month?
  • The SR-22 filing fee is a one-time fee but the inflated premiums you are required to pay as part of insurance policy can be paid in a manner agreed upon between you and your provider. This amount would vary from provider to provider but the average cost in Nebraska is $192. It can be further increased in the event that other driving offences are committed during the duration of your mandate.

  • Do I need an SR-22 if I don’t drive?
  • In the event that you have committed a traffic violation in Nebraska that requires you to file for an SR-22 with the state, a failure to do so would mean that you are not legally permitted to drive within the state. If you have any plans to drive within the state, the SR-22 filing along with a valid insurance policy would be required.

  • Does SR-22 cover any car I drive?
  • It can. If you want your SR-22 to cover any car you drive, you would have to purchase a policy that offers such coverage.

  • Do I need SR-22 and regular insurance?
  • Yes. While the SR-22 is a proof of financial responsibility that is required for the state for the reinstatement of driving privileges, the insurance policy that is to be purchased is the real source of said financial responsibility. As such, both the SR-22 and a valid regular insurance policy are needed.

  • How much does SR-22 raise your insurance?
  • If you have to file for an SR-22 in Nebraska, your insurance premiums can rise by an average of 58%.

  • How can I get a SR-22 without a car?
  • You can contact your insurance provider and have them process the filing on your behalf. If you are required to file an SR-22 but do not own a car, you would still be required by the state of Nebraska to file the form if you ever want to legally drive within the state. Along with the filing, you must also purchase a non owner insurance policy that meets the state requirements.

  • How much is a non car owner SR-22 cost?
  • An average non car owner insurance policy in the state of Nebraska costs $283. Related: Car insurance for low income individuals