Nebraska SR-22 Insurance: What It Is and How Much It Costs
Nebraska SR-22 Insurance law is a requirement for higher-risk drivers to maintain insurance and keep a form on file with the state. If your license is suspended or revoked, you can't drive again without Nebraska auto insurance. That's not all, though. Nebraska requires your insurer to file an SR-22 form to confirm that you're meeting your insurance obligations.
Free Auto Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Nov 3, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- SR-22 insurance isn’t really insurance, it’s a form your insurance company has to file with the state of Nebraska to confirm that you are complying with state requirements
- An SR-22 form is most often required when you’re trying to have your license suspension lifted or to have your license reinstated after it has been revoked
- Nebraska typically requires you to keep your SR-22 form on file for three years
Even if we try to avoid them, accidents do happen. And it’s best to be prepared if something goes wrong while you’re driving on the road. That’s where insurance comes in.
You may already know that to drive legally in Nebraska, you must have auto insurance. This auto insurance law requires a policy that includes minimum liability coverage on the vehicle. While this minimum amount varies by state, its purpose is the same – insurance acts as proof that the individual is financially responsible in the event of an accident.
Whether you need to find a new insurance policy, add coverage to an existing policy, or just want to make sure you’re getting cheap auto insurance rates, you can get several quotes by entering your ZIP code into our search tool.
But what if you need SR-22 auto insurance? Well, first you should know what it is, right?
So, what is SR-22 insurance?
What is SR-22 insurance?
Despite its namesake, SR-22 auto insurance isn’t actually “insurance” at all.
Rather it’s a form that your auto insurer provides the state, usually after your driver’s license has been revoked. As such, it does not come with a standard insurance policy.
You can think of an SR-22 as a form of reassurance. It reassures the state that you are maintaining the required insurance coverage after proving yourself to be a higher risk driver.
When should I file for an SR-22?
We all make mistakes, and an SR-22 is meant to serve as protection in the event of one. Here are several situations that may require you to make an SR-22 filing in Nebraska:
- Getting charged with a Driving Under the Influence (DUI) or Driving While Intoxicated (DWI)
- Being deemed at fault for an automobile accident you are in and not providing proof of insurance
- Being charged with reckless driving
- Driving without valid or proper auto insurance coverage
- Driving without a valid driver’s license
- Committing a pattern of traffic violations in a short range of time
If you find yourself in one of these situations, auto insurance providers will deem you to be a risk and will want to protect themselves from losing money if they cover you.
That’s why you’ll need SR22 insurance.
Nebraska uses a points system to track drivers’ violations on their records. Whether you commit one more weighted violation or several low-point violations, you could still end up having to file for SR22 insurance.
How long do I have to maintain my SR-22 insurance?
If you have no further offenses after one of these incidents, you will likely only be required to have high-risk auto insurance for about three years. This time can vary based on individual state laws.
In Nebraska, the following scenarios require you to maintain your SR-22 filing for three years:
- 12 points in less than two years – In Nebraska, the Department of Motor Vehicles uses a point system to track the drivers’ violations behind the wheel. If you add 12 points to your record in under two years, the state will revoke your driver’s license, and you must file for an SR-22.
- Failure to provide proof of insurance – Whether you are a high-risk driver or not, it’s illegal to drive on the road without insurance coverage. Your driver’s license will be suspended if you are convicted for not providing proof of insurance.
- Court order – If you find yourself in traffic court, an appointed judge can rule to revoke your driver license for a violation you have committed.
The process for reinstating your driver license can vary, and it’s smart to allow extra time for this process before getting too eager to get back on the road. Depending on the circumstances under which your license is revoked, you may have to retake a driver’s test.
In several other cases, you are only required to maintain your SR-22 coverage until you have your license reinstated.
Once you have your SR-22, it’s important that you don’t let your coverage expire at any time. This could result in further punishment — for example, you could have your driver’s license revoked a second time if you are caught driving without the coverage you’re required to have.
If your coverage does expire, your insurance company is legally required to notify your state’s Department of Motor Vehicles. Once this happens, the Department of Motor Vehicles will suspend your license.
Once you’re at the stage where you can try to reinstate your license, you must pay a reinstatement fee, as well as any outstanding fines you may have incurred while on the road.
Different types of SR-22 insurance
Three types of SR-22 insurance are offered to drivers, depending on vehicle ownership status. These types are:
- Operator – If you don’t own your car, but you use your license to drive a rented or borrowed motor vehicle, you are considered a vehicle operator.
- Owner – You are considered an owner if you are driving a car that you own.
- Operator/Owner – Do you own your car, but also sometimes drive other vehicles that you rent or borrow? In this case, you can get a combination of operator and owner insurance policies.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
How much does SR-22 insurance cost in Nebraska?
If you are getting SR-22 insurance, you will have to pay to file the SR-22. Filing for an SR-22 typically costs between $15 and $30. However, the costs don’t stop with this filing. You may have to pay higher premiums on your policy due to your insurer viewing you as a riskier driver.
Insurance companies want to minimize risk as much as they can. If you are considered a risk for them to take on, they will charge you more to cover their potential losses, even if you’re a safe driver.
What factors influence the cost of SR-22 insurance?
Insurance companies want to protect you, but they also want to protect themselves. If you are deemed a high-risk driver by your insurance company, you may pay up to 127% more on your insurance.
How do I file for an SR-22?
First, you are responsible for notifying your insurance provider when you need an SR-22 filing. You should do this as promptly as you can.
Then, either you or the insurance company will submit the SR-22 filing to the Nebraska Department of Motor Vehicles office, where it will be reviewed. You can do this by mailing or hand-delivering the filing. In some cases, your insurance company may be able to submit it electronically.
Note that the Department of Motor Vehicles will not accept faxes or photocopies of these documents.
What information is needed to fill out an SR-22 filing?
You must complete the necessary forms in full for your SR-22 filing to be reviewed by the Department of Motor Vehicles. To make this process go smoothly, be sure to have the following information on hand before you get started:
- Your name
- Your address
- Your insurance company name
- Your unique insurance policy number
- Your insurance policy’s active and expiration dates
Also, note that Nebraska DMV states that the filing “must be signed by an individual that the company has authorized their signature with the Department of Motor Vehicles.”
What if I live out of state?
If you are not a Nebraska resident but find yourself having to do an SR-22 filing in Nebraska, the Nebraska Department of Motor Vehicles requires that you submit your filing from your insurance company’s home office.
If you find yourself in this situation, make sure that
- Your insurance company allows you to file for SR-22 insurance out of state
- The Nebraska Department of Motor Vehicles has an authorization letter from your insurance company to proceed with the filing
What if I don’t own a car?
Even if you aren’t a motor vehicle owner, you may find yourself having to be behind the wheel. Regardless of whether or not you own the car that you are driving, you want to drive legally and be covered in the event of an accident.
In this case, you should purchase non-owner auto insurance. This is just like it sounds: a liability insurance policy for individuals who don’t own cars.
There are many benefits to having non-owner car insurance. First, you won’t be driving without the required coverage. Non-owners car insurance will help you avoid a ‘coverage gap’ that could lead to higher premiums once you do get a car and need insurance, too.
Sure, an auto insurance policy may sound expensive. And why would you want to pay for auto insurance when you don’t have a car?
Well, if you’re caught driving without coverage, you may wish you had paid for the insurance rather than having to pay fines or legal fees. Costs of repairs, not to mention any health or legal-related expenses, quickly add up.
What if I lose my SR-22 coverage?
If your SR-22 car insurance coverage is canceled, you could have your driver’s license revoked. All drivers are required to have insurance to be on the road legally, and when your license has been revoked, the SR-22 acts the same.
To avoid the cancellation of your SR-22 coverage, try your best to make all of your insurance payments on time.
Finding the most affordable SR-22 option for you
Making mistakes on the road can cost you a lot. You don’t have to let it break the bank as well. No matter what shape your driving record is in, Quote.com can make it easy to find an insurance policy that works for you.
Across our services and expertise, we’re here not only to help you save on your automobile insurance but also to help you make informed decisions. That way, you can feel in control of your journey — on the road and off.
Get started by comparing the best auto insurance rates near you with our free search tool right now.