SR-22 After DUI
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Nebraska DUI SR-22 Insurance After a Conviction

Nebraska requires 25/50/25 liability coverage and is an at-fault state.

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Nebraska 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

Nebraska operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for injuries and property damage after an accident. After a DUI conviction, the Nebraska Department of Motor Vehicles requires SR-22 filing within 15 days of your reinstatement eligibility date to restore driving privileges. Nebraska law mandates continuous coverage — if your SR-22 policy lapses for any reason, your insurer must notify the DMV within 10 days, triggering immediate license re-suspension.

Bodily Injury Liability

Covers injuries you cause to others in an at-fault accident. Nebraska's 25/50 minimum covers less than one overnight hospital stay in most Lincoln or Omaha facilities. Post-DUI, consider 100/300 limits — you're already a known risk, and a serious injury claim above your coverage limit creates personal liability that bankruptcy won't erase.

Property Damage Liability

Pays for damage to another vehicle or property you cause. Property damage claims settle faster than bodily injury, so carriers watch this limit closely when underwriting DUI risks.

SR-22 Certificate of Financial Responsibility

The SR-22 is not insurance — it's a certificate your carrier files electronically with the Nebraska DMV proving you maintain continuous liability coverage. Your 5-year filing period starts on your reinstatement date, not your conviction date. If you move out of Nebraska during the filing period, the requirement follows you to your new state, and some states require an SR-22 transfer filing within 30 days of residency.

Uninsured Motorist Coverage

Nebraska requires insurers to offer uninsured and underinsured motorist coverage at limits matching your liability policy. You can reject it, but rejection must be in writing at policy inception — verbal rejection doesn't count, and the coverage is automatically added if you don't complete the waiver form.

What Drivers Pay in Nebraska

$235–$356/mo

Typical monthly rate in Nebraska, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

What Affects Your Rate

  • Installing an ignition interlock device is mandatory for first-offense DUI convictions in Nebraska for at least 12 months, and carriers track IID compliance — removal before your court-ordered period ends can void your SR-22 filing.
  • Conviction class drives rate duration: first-offense rates typically drop after 3 years if you maintain continuous coverage, but aggravated and repeat-offense DUI surcharges often persist for the full 5-year filing period and beyond.
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Find an Insurer That Will File After a DUI

Get SR-22 Coverage After a DUI

If 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

Frequently Asked Questions

How long do I need SR-22 filing after a DUI in Nebraska?

Nebraska requires SR-22 filing for 5 years after a DUI conviction, measured from your reinstatement date, not your conviction date. If your license was suspended for 6 months before reinstatement, your 5-year clock starts when the DMV reinstates you, not when the court sentenced you. If you move out of Nebraska during your filing period, the requirement follows you and most states require you to transfer your SR-22 within 30 days of establishing residency.

Will my current insurance company file SR-22 after a DUI in Nebraska?

Most mainstream carriers — State Farm, Geico, Allstate, Progressive — will file SR-22 for existing customers after a DUI conviction, but they typically non-renew your policy at the end of your current term, usually 6 or 12 months. You'll need to shop the non-standard market before your policy expires. Carriers like Bristol West, Dairyland, The General, GAINSCO, and Direct Auto specialize in DUI SR-22 policies in Nebraska.

Does Nebraska require SR-22 for first-offense DUI?

Yes. Nebraska requires SR-22 filing for all DUI convictions, including first-offense standard DUI, first-offense aggravated DUI, and implied-consent refusal. The 5-year filing period applies regardless of offense class. Repeat-offense DUI may also trigger longer license suspension periods before you're eligible for reinstatement and SR-22 filing.

Coverage Types

SR-22 Insurance

The SR-22 certificate proves to the Nebraska DMV that you carry continuous liability insurance. Your carrier files it electronically, and any lapse triggers automatic license suspension.

Non-Owner SR-22

Provides liability coverage and SR-22 filing if you don't own a vehicle but need to maintain your license or satisfy court requirements. Covers you when driving borrowed or rental vehicles.

Liability Insurance

Pays for injuries and property damage you cause to others. Nebraska requires 25/50/25 minimums, but those limits are among the lowest in the region and rarely sufficient after a serious accident.

Uninsured Motorist Coverage

Covers your medical bills and lost wages when an uninsured or underinsured driver hits you. Nebraska insurers must offer it, and you must reject it in writing if you don't want it.

Find Your City in Nebraska

Omaha

urban

Lincoln

urban

Bellevue

suburban

Grand Island

urban

Kearney

urban

Fremont

suburban

Norfolk

urban

North Platte

urban