Nebraska DUI & Violation Insurance Requirements
Nebraska requires 25/50/25 liability coverage and is an at-fault state.
Find Coverage for My SituationNebraska 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Nebraska
After a DUI conviction or serious violation in Nebraska, your current insurance carrier will typically send a non-renewal notice — meaning your policy will end at the next renewal date, not immediately. The Nebraska Department of Motor Vehicles (DMV) requires you to carry an SR-22 certificate for 3 years, filed by an insurer licensed in Nebraska. Most major carriers either do not offer SR-22 filing or will not renew your policy once a violation triggers the requirement, forcing you into the non-standard insurance market.
SR-22 Certificate
Non-Standard Auto Insurance
Liability Insurance
High-Risk Auto Insurance
What Drivers Pay in Nebraska
$216–$236/mo
Typical monthly rate in Nebraska, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Violation type — DUI convictions trigger higher surcharges than reckless driving or point accumulation
- Time since violation — rates begin to decrease after 3 years of violation-free driving
- Carrier availability — Nebraska has fewer non-standard carriers than larger states, which can limit competition and keep rates higher
- Urban vs. rural location — Omaha and Lincoln drivers typically pay more than drivers in rural counties due to higher claim frequency
- Coverage limits and deductibles — choosing higher deductibles can reduce monthly premiums for drivers with violations
Get Back to a Fair Rate After a Violation
Find Coverage for My SituationCoverage Types
SR-22 Insurance
The SR-22 certificate filing required by the Nebraska DMV after a DUI, suspension, or serious violation. Not all carriers offer it — you must find an insurer licensed to file SR-22 in Nebraska.
Non-Standard Auto Insurance
Coverage sold by carriers that specialize in high-risk drivers with DUIs, violations, lapses, or suspensions. These policies cost more but are often the only option after a violation triggers SR-22 filing.
High-Risk Auto Insurance
Broad category covering policies for drivers with recent violations, accidents, or lapses. Rates decrease as you maintain continuous coverage and avoid new violations.
Liability Insurance
The minimum coverage required by Nebraska (25/50/25) to maintain SR-22 filing. Many drivers with violations choose higher limits to protect assets and reduce lapse risk.