Nebraska SR-22 Insurance After Filing Ends
Nebraska requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After SR-22Nebraska at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$125
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Nebraska
Drivers with DUI convictions, license suspensions for uninsured driving, or repeat violations typically face SR-22 filing requirements lasting 3 years. The Nebraska Department of Motor Vehicles mandates SR-22 filing before license reinstatement, and any lapse during the required period restarts the 3-year clock. Once your SR-22 requirement ends, you're no longer legally required to maintain the filing, but your driving history continues to affect rates for several years.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
What Drivers Pay in Nebraska
$173–$356/mo
Typical monthly rate in Nebraska, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Credit-based insurance score: Nebraska allows credit-based pricing, which heavily impacts post-SR22 drivers who had financial stress during their violation period
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Employment Driving Permit (EDP, §60-4,129) for point/support suspensions; Ignition Interlock Permit (IIP) for DUI/ALR
application fee $50.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Nebraska's 25/50/25 minimum is often insufficient for post-SR22 drivers, as a single at-fault accident can erase years of rate recovery progress.
Full Coverage
Combines liability, comprehensive, and collision. Post-SR22 drivers with full coverage see rate drops accelerate at the 12-month and 24-month marks if they avoid new claims.
Uninsured Motorist Coverage
Protects you if you're hit by a driver with no insurance. Approximately 13% of Nebraska drivers are uninsured, one of the higher rates in the region.
SR-22 Insurance
SR-22 is a filing, not a coverage type. Once your 3-year Nebraska SR-22 requirement ends, you no longer need to maintain the filing, but your violation history continues to affect rates for 3–5 years.
Comprehensive Coverage
Covers non-collision damage including hail, theft, vandalism, and animal strikes. Nebraska ranks high nationally for hail and deer collision claims.
Non-Standard Auto Insurance
Specialized carriers that write policies for drivers with violations, DUIs, or SR-22 filings. These carriers often offer better rates than standard carriers during the first 12 months post-SR22.