Nebraska SR-22

1
MoMo Productions/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

High-risk drivers in Nebraska may be required to purchase SR-22 insurance after certain traffic violations. Despite the name, SR-22 insurance is not actually a car insurance policy. Rather, an SR-22 is a certificate that proves to the state that you carry at least the minimum amount of car insurance that is required.

Nebraska car insurance companies might issue SR-22s as proof of insurance for high-risk drivers. In other states, an alternative form, such as the FR-44, may be used. If you are required to file an SR-22 or a related form, it may have a significant impact on your car insurance rate, and you might want to prepare to pay additional fees.

What is “SR-22 insurance?”

SR-22 insurance is not actually insurance. An SR-22 is a proof of insurance form that your car insurance company files with the Nebraska Department of Motor Vehicles (DMV). Specifically, an SR-22 proves that you carry at least the minimum amount of required insurance in the state that your vehicle is registered in. Nebraska drivers are required to carry at least the following minimum coverage types and limits:

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

SR-22 insurance is generally reserved for high-risk drivers who have had their license suspended. This is often the case for drivers who have been convicted of a DUI or DWI, have been caught driving without car insurance or have caused an accident with fatalities, among other violations.

To obtain an SR-22 in Nebraska, you must have a car insurance policy that meets or exceeds the state’s minimum requirements. You’ll need to call your car insurance company and ask for the form to be filed with the DMV on your behalf. However, not all car insurance providers will file SR-22s; even some of the best car insurance companies won’t insure high-risk drivers. You may need to shop around and switch your policy to a provider that is willing to file the SR-22 form.

SR-22 Nebraska alternatives

Just like car insurance rates vary by state, so do car insurance validation forms. Most states use the SR-22 to verify insurance coverage for high-risk drivers, but some areas of the country use alternative forms. Typically, the form type is dependent on the type of violation and whether the driver has committed multiple offenses. Here are some popular SR-22 alternatives that can be found in other states:

Form States issued Required insurance minimums
SR-22 Most states (excluding Delaware, Kentucky, Maryland, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania) State minimum
SR-19 California, Texas Uninsured motorist coverage
SR-21 Florida, Hawaii State minimum
SR-22A Georgia, Texas, Missouri State minimum or more, pre-paid
FR-44 Florida, Virginia Higher than state minimum (up to double)
FR-19 Maryland State minimum
SR-50 Indiana State minimum
  • SR-19: Texas and California use the SR-19 form if a driver gets hit by an uninsured driver and they want to file an uninsured motorist claim with their insurance company.
  • SR-21: The SR-21 form is used in a few states to verify that a driver was covered at the time of an accident or ticket.
  • SR-22A: The SR-22A form is similar to an SR-22, but requires that the driver pay up front for an extended period of car insurance, usually six months.
  • FR-44: Florida and Virginia use the FR-44 form, which requires especially high-risk drivers or repeat offenders to carry higher liability policy limits than minimum coverage.
  • FR-19: Maryland is the only state that uses this form, which verifies coverage for 30 days.
  • SR-50: Indiana uses the SR-50 form to verify a driver’s car insurance coverage at a date in the past.

Non-owner SR-22

If you need an SR-22 filing but you don’t own a car, you might first need to buy a non-owner car insurance policy. This type of car insurance provides coverage for you, as a driver, without insuring a car. A non-owner SR-22 certificate is reserved for people who do not own a vehicle. The insurance requirements for a Nebraska SR-22 and a non-owner SR-22 are the same, and both forms will stay on your record for the same amount of time, depending on the nature of the violation.

SR-22 Nebraska insurance costs

If you need an SR-22 in Nebraska, you may want to prepare for some expenses. First, you likely have to pay a fine for the citation you received. If you end up in court, you could also have to pay for your lawyer costs and settlement fees. Then, you will likely pay an SR-22 filing fee, which is generally less than $50. For every year that the SR-22 must remain on your record, you will probably also have to pay a renewal fee.

In addition, having an SR-22 on your record will impact your car insurance rate. This isn’t due to the SR-22 itself, but rather due to the driving violation that led to you needing the SR-22. If your premium increase means your insurance is too expensive, you may want to shop around and find a cheaper car insurance company.

Lastly, drivers who need SR-22 insurance should also be prepared to pay a license reinstatement fee. The reinstatement fee will vary by state, but in Nebraska, the reinstatement fee is $50.

Frequently asked questions

How long do I need an SR-22 in Nebraska?

In Nebraska, the amount of time you will have an SR-22 depends on the type of offense committed. In most situations, you will need to have the SR-22 for around three years. If you get involved in another serious offense while you have the SR-22 on your record, it is possible that you could be required to keep the certificate for longer. During the time period where you have the SR-22 filing on record, you’ll need to maintain active and continuous insurance. If you let your policy lapse or cancel it without replacing it with a new policy, your insurance company will notify the state and your license could be suspended or revoked.

How do I get SR-22 insurance in Nebraska?

Nebraska SR-22 insurance can often be purchased from car insurance companies that specialize in non-standard insurance. Once you find a provider that will file the SR-22 form for you, you will fill out some basic paperwork and pay the filing fee as well as your premium. The insurance company will file the form directly with the state, either by mail or electronically, and might provide you with a copy.

How much does SR-22 insurance cost in Nebraska?

An SR-22 filing fee is usually less than $50. However, SR-22s are forms, not insurance. You’ll likely see an increase in your car insurance policy based on the driving violation that prompted the need for the SR-22. If you need to find a cheaper Nebraska car insurance company after a premium increase, you may want to shop around.

What happens if my SR-22 expires?

Nebraska drivers are required to renew their SR-22 certificate each year for the amount of time specified by the state. That also includes paying the renewal fee. If you fail to renew your car insurance or remove the SR-22 filing before you are supposed to, you could face additional consequences, including having your driver’s license suspended or revoked.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Writer & Editor