- Understanding SR-22 insurance in Nebraska
- How much does SR-22 insurance cost in Nebraska?
- Average SR-22 insurance cost in Nebraska by violation
- Non-owners SR-22 insurance in Nebraska
- How long do you need an SR-22 in Nebraska?
- Reasons for requiring SR-22 insurance in Nebraska
- Tips to lower SR-22 insurance costs in Nebraska
- Methodology
- SR-22 insurance in Nebraska: FAQ
- Compare Nebraska SR-22 rates with other states
Understanding SR-22 insurance in Nebraska
SR-22 insurance isn't a type of insurance. It's a form your insurance company files with the state to prove you have the minimum car insurance required to drive in Nebraska. SR-22 insurance generally refers to auto insurance coverage that requires an SR-22 filed by your insurance company for you.
Most drivers in Nebraska don't need SR-22 insurance. Drivers who do need an SR-22 have been convicted of serious violations like reckless driving, DUIs, or multiple offenses in a short time. If you are required to file an SR-22, you will be informed of how long you need to keep it.
"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.
How much does SR-22 insurance cost in Nebraska?
Filing an SR-22 form doesn't cost much, but the fines and increased insurance rates can be expensive. On average, SR-22 insurance in Nebraska costs $2,259 per year, but the actual rate depends on the driver and the specific violation.
Insurance companies charge different rates, so it's smart to shop around and find the cheapest SR-22 insurance available.
Average SR-22 insurance cost in Nebraska by violation
Your insurance rates don't go up because of the SR-22. The state requires the SR-22 due to a violation, and that violation is what causes your rates to increase.
For example, you may need an SR-22 if you get a DUI or drive without insurance. The increase in your car insurance rate will depend on the violation, not the SR-22 itself.
This table shows the average costs for violations that require an SR-22. The rates vary based on the type of violation.
| Violation | Average annual premium |
|---|---|
| Driving without insurance | $2,204 |
| DUI/DWI first offense | $3,761 |
| DUI/DWI second offense | $6,503 |
| Reckless driving | $3,696 |
| SR22 Filing Only | $2,259 |
| SR22 with 1 DUI | $4,321 |
SR-22 insurance cost by company for a first DUI
Auto-Owners offers the lowest car insurance rate for drivers after a single DUI at $2,348 yearly. Finding affordable SR-22 insurance after a DUI can be challenging, but comparing quotes can help. Some insurance companies view a first DUI as a one-time mistake and may offer lower rates than others.
The table below shows how average insurance rates change after one DUI, based on the company. Insurance rates do go up after a DUI, but the increase isn't as high as it is for multiple violations.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Auto-Owners | $2,348 | $196 |
| Progressive | $2,369 | $197 |
| Nationwide | $2,508 | $209 |
| State Farm | $2,522 | $210 |
| Allstate | $3,376 | $281 |
| GEICO | $7,961 | $663 |
| USAA | $2,756 | $230 |
SR-22 insurance cost by company for reckless driving
The cheapest company for SR-22 insurance after a reckless driving conviction is Auto-Owners, with an average rate of $2,348 per year. Reckless driving tickets can be given for different reasons, like speeding, running red lights, texting while driving or tailgating. No matter the cause, reckless driving in Nebraska leads to fines, an SR-22 requirement and higher car insurance rates.
Check the table below to compare average insurance rates for reckless driving from different companies.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Auto-Owners | $2,348 | $196 |
| Nationwide | $2,508 | $209 |
| State Farm | $2,522 | $210 |
| Allstate | $3,376 | $281 |
| Progressive | $4,186 | $349 |
| GEICO | $5,029 | $419 |
| USAA | $1,881 | $157 |
SR-22 insurance cost by company for driving without insurance
The cheapest company for car insurance after getting a ticket for driving without insurance is Nationwide, with an average rate of $1,494 annually.
In Nebraska, drivers must carry at least the minimum required auto insurance. If you don't, you could face fines, higher insurance rates, and the need to file an SR-22.
The table below shows car insurance rates by company for drivers who had a lapse in coverage.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Nationwide | $1,494 | $125 |
| State Farm | $2,522 | $210 |
| Progressive | $2,857 | $238 |
| USAA | $1,656 | $138 |
Non-owners SR-22 insurance in Nebraska
Nebraska might require you to file an SR-22 form even if you don't own a car, usually if it's needed to get your license back. If you occasionally borrow or rent a car, you can buy non-owner SR-22 insurance, which meets the legal requirements, and your insurance company can file the SR-22 with that policy.
It's important to remember that non-owner car insurance only gives you extra liability coverage when you drive someone else's car. If you buy a car, you'll need to get the proper insurance to drive it legally in Nebraska.
How long do you need an SR-22 in Nebraska?
In Nebraska, drivers typically need to keep an SR-22 for three years. If you don't keep your insurance active during this period, you'll be breaking the law and could face serious fines and other penalties.
Reasons for requiring SR-22 insurance in Nebraska
Most Nebraska drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.
You may need an SR-22 in Nebraska for reasons like:
- DUI
- Reckless driving
- Several traffic violations in a short time
- Not maintaining auto insurance
- Refusing a breathalyzer test
- At-fault accidents involving severe injuries or death
Tips to lower SR-22 insurance costs in Nebraska
Although your insurance rates will go up if you need an SR-22, you can still find affordable coverage by shopping around.
You can lower your auto insurance costs with an SR-22 by:
- Using all available discounts. Most insurance companies let you bundle discounts to help you save more.
- Raising your deductible. Increase the amount you pay before insurance kicks in to lower rates.
- Taking a defensive driving course. Some insurers offer a discount for completing the course, and some states remove points from your license, which can help lower your insurance rates.
- Signing up for a usage-based program. If you show good driving habits while being monitored, you could earn a discount.
- Shopping around for SR-22 insurance. Compare quotes from several companies to find the cheapest SR-22 insurance in Nebraska.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined 53M+ insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions requiring an SR-22
- One DUI
- Two DUIs
- Reckless driving
- Driving without insurance
SR-22 insurance in Nebraska: FAQ
What happens if I fail to maintain SR-22 insurance in Nebraska?
The consequences may be severe if you don't retain insurance and fail to maintain your SR-22 filing. Possible consequences include:
- Revoked driver's license
- Fines
- Increased auto insurance
- Restarting your SR-22 time period
- Having your car impounded
- Jail time
Can I switch insurance providers while I have an SR-22 filing?
Yes, you can switch auto insurers while you have an SR-22. However, your new insurance company must refile the SR-22, and you need to have insurance in place with your SR-22 filed before canceling your previous policy.
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