Cheap SR-22 Insurance in Nebraska (2024)

Most Nebraskans rely on driving to get around on a daily basis, so a suspended or revoked license will likely present a challenging situation. Nebraskans drive to get to work, run errands, and take care of other responsibilities.

To eventually reinstate your license, you may need an SR-22, which can feel overwhelming and confusing to navigate.^[1] Here’s what you need to understand about SR-22 insurance and how it works so you can get back on the road with confidence.

What is SR-22 insurance in Nebraska, and when do you need it?

When looking for an SR-22, you should know it serves as a proof of insurance form and doesn’t qualify as an insurance policy.

“It is different from regular car insurance in that it provides proof to the state that the driver has insurance coverage that meets the state’s minimum requirements,” says George Blake, CFO of LifePart2.com.

An insurance policy usually comes with a card you keep in your vehicle to provide proof of your coverage. An SR-22 form works similarly, except you must file the certificate with the Nebraska Department of Motor Vehicles (DMV) as proof of coverage.

You may need an SR-22 certificate if you accumulate too many points on your license, get caught driving without insurance, or have a DUI conviction.^[2] No matter the reason for needing it, you should understand the requirements and work with a reliable insurance company.

The certificate plays a crucial role in helping you get your driving privileges back after a license suspension or revocation. It also provides the DMV with proof of liability insurance. This ensures that you have the necessary coverage to protect yourself and others in the event of an accident.

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How can you get an SR-22 in Nebraska?

Some insurers avoid taking on high-risk drivers, so they may not offer SR-22 filing assistance. If your current insurer doesn’t offer it, you should find and contact an insurer that offers it as your first step.

But you also need to determine whether you need SR-22 insurance before buying it. Nebraska typically requires it after a court conviction that suspends or revokes your license or if you have too many points on your license. You can check the status of your driving privileges and SR-22 requirements through the Nebraska DMV online services or by phone at 1 (402) 471-3985.

If you need it, check with your insurance company to see if it can file the certificate electronically. Otherwise, you or your insurance company must send the SR-22 filing to the Nebraska DMV for review by mail or in person.

How long is SR-22 insurance required in Nebraska?

Letting your policy lapse before the SR-22 requirement ends could result in you losing your license or restarting the SR-22 process.^[3] Most Nebraska drivers who need an SR-22 must keep it on file for three years from the date they’re eligible for reinstatement.

However, the length of time can vary depending on the offense and your personal circumstances. For example, you may only need to keep the SR-22 on file until your permit expires if you have a medical hardship driving permit or a driving permit that authorizes you to commute to and from work.^[4]

How much is SR-22 insurance in Nebraska?

SR-22 insurance costs in Nebraska vary depending on several factors, such as your driving record, the type of coverage you need, and your insurance company. You can get a better idea of how much you’ll pay through researching companies and comparing quotes.

In addition to paying for your actual insurance coverage, you’ll typically pay a filing fee to your insurance company if you need to carry an SR-22. Filing paperwork with the Nebraska DMV costs around $25, but the amount can vary depending on the insurance company.

Cheapest companies for SR-22 insurance in Nebraska

When it comes to SR-22 insurance in Nebraska, finding an affordable policy can be a challenge. However, some insurance companies offer more budget-friendly options for drivers. Dairyland and Bristol West are among the cheapest car insurance companies for SR-22 insurance in Nebraska.

The average monthly premium for liability-only or full-coverage Dairyland insurance is $241, making it the lower-cost plan of the two insurers. A number of factors can influence the cost of SR-22 insurance, including your driving history and the type of policy you choose.

Cheapest insurance companies in Nebraska with SR-22 by city

Location can have a big effect on your SR-22 insurance costs, due to factors like crime rates, population density, and more. Similar to when you buy a house, prices for car insurance can vary a lot depending on your neighborhood.

In Nebraska, Dairyland provides the cheapest option for SR-22 insurance in both Lincoln and Omaha, compared to Bristol West. In Lincoln, for example, the average quote from Bristol West costs $15 more than coverage from Dairyland. Drivers in Omaha generally see a $24 difference between the two insurers.

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How SR-22 insurance affects driving record and future rates in Nebraska

If you demonstrate risky driving behavior, you may need an SR-22, which can significantly affect your driving record and insurance premiums for as long as you have the certificate on file. When you don’t need the SR-22 form anymore, your rates should decrease.

• Drive safely and avoid risky behavior. If you have SR-22 insurance, make an effort to drive safely to improve your driving record and qualify for lower premiums. This includes following traffic laws, avoiding distractions while driving, and staying within the speed limit.

• Take a defensive driving course. If your license reinstatement conditions require you to take a safe driving class, let your insurance company know. Some insurers offer discounts for completing driving courses, leading to lower rates.

• Increase your deductible. Choosing a higher deductible can lower your premiums. But you’ll end up paying more out of pocket in the event of an accident or property damage to your vehicle. Make sure you can handle the higher cost if you need to file a claim.

• Don’t buy the first SR-22 policy you find. Carefully comparing rates from different insurers will benefit you, especially when you need SR-22 insurance. Rates can vary widely between companies, so take the time to shop around for the best deal.

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