Nebraska License Reinstatement & SR-22 Insurance
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
State Requirements
Nebraska operates under a tort-based liability system and requires all drivers to carry proof of financial responsibility. The Nebraska Department of Motor Vehicles enforces continuous coverage verification through random electronic monitoring — if your policy lapses, DMV receives automated notice and may suspend your registration within 30 days. Nebraska is one of 17 states that mandates uninsured motorist coverage at the same limits as your liability policy unless you explicitly reject it in writing.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
Cost Overview
$173–$356/mo
Typical monthly rate in Nebraska, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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
Do I need SR-22 insurance to reinstate my license in Nebraska?
SR-22 is required only for specific violations: DUI/DWI, refusal to submit to chemical testing, driving under suspension, accumulating 12+ points in 24 months, at-fault accidents without insurance, or certain reckless driving convictions. Suspensions for unpaid tickets, failure to appear, child support arrears, or medical disqualification typically do not require SR-22 — contact Nebraska DMV at 402-471-3918 to confirm your reinstatement requirements. If SR-22 is required, you must maintain continuous filing for 3 years from your reinstatement date.
Coverage Types
SR-22 Insurance
An SR-22 is a DMV filing proving you carry at least Nebraska's 25/50/25 minimum liability coverage. Your insurer files it electronically with the state and must notify DMV immediately if your policy lapses or cancels, triggering automatic re-suspension.
Non-Owner SR-22 Insurance
Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to reinstate their license. Covers you when driving borrowed or rental vehicles and satisfies Nebraska's proof of financial responsibility requirement.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Nebraska's 25/50/25 minimum is legally sufficient but leaves you exposed to personal asset seizure if you cause serious injuries or multi-vehicle collisions.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage. Nebraska automatically includes this at your liability limits unless you sign a written rejection form.
Non-Standard Auto Insurance
Policies designed for high-risk drivers including those with suspended licenses, DUI convictions, multiple violations, or lapses in coverage. Non-standard carriers specialize in SR-22 filings and reinstatement situations that standard insurers decline.
Comprehensive Coverage
Covers non-collision damage to your vehicle from theft, hail, vandalism, hitting deer, and weather events. Nebraska's high hail frequency and deer collision rate make this valuable for newer vehicles, but it is optional unless you have a loan.