Nebraska SR-22 Insurance

An SR-22 is a document issued by an auto insurer to the State indicating that you carry sufficient insurance to satisfy that state’s Financial Responsibility Law.  States demand one from a driver when they have either been convicted of specific crimes or have failed to show evidence of financial responsibility in the even they are found to be at fault in an accident.  Should an SR-22 be required, you are barred from driving until you provide one and maintain the underlying insurance to support the proof of financial responsibility.

Non Owners Insurance in Nebraska

If you do not own a vehicle, but need to have an SR-22 in order to drive, you will need to obtain an Operator’s Policy also known as a Named Non Owner Policy, which provides you with liability insurance coverage should you operate a vehicle that is uninsured.  Otherwise, you will need an auto insurance policy that provides liability coverage for both you and your auto.

How an Nebraska SR-22 Affects your Rates.

Because the insured has a blemished driving record, they will not get the lowest rates for coverage.  That being said, one should comparison shop and compare rates for the policy itself as well as any fees related to filing an SR-22.  It should also be noted that if you need to have an SR-22 processed quickly, the fees to do so will not be inexpensive.

Limitations of SR-22 Coverage in Nebraska

Another thing to note is that the policy itself may have terms and conditions that may limit coverage under certain circumstances.  For example, should you be involved in an accident and you are using the vehicle in commission of a crime (and the definition of crime includes driving while under the influence of alcohol or drugs) coverage for damage to your auto may evaporate.  In addition, the limits for third party liability coverages in the event the auto is used during a crime will be reduced to the statutory minimum required by the state.

Once the period for which your need to supply an SR-22 ends, you will then have much more flexibility to select an insurance policy as more insurers will be willing to insure you with a better rate.  In addition, you will no longer need to pay any fees associated with processing the document.

Why would I need an SR-22 in Nebraska?

You would need an SR-22 in Nebraska in order to reinstate your license after it has been suspended or revoked.  This can happen as the result of a

  • Point revocation

    Nebraska assesses a point value for for traffic convictions which go against your driver’s license.  Should you accumulate 12 points within two years of the date of your last conviction, your license will be revoked as follows:
Conviction Period of Suspension
First conviction Six months
Second conviction within five years Three years


If you have points on your license you may receive a point credit if you complete a Nebraska DMV approved Driver Improvement Course.  This is an eight hour course in which you will receive a point credit upon successful completion.  If you have two or more points assessed against your license, you will receive a two point credit.  If you have one point assessed against your license, you will receive a one point credit.

You may receive this credit once every five years.

In order to have your license reinstated after a point revocation, you will need to complete the Driver Improvement Course.  You will not, however, be able to receive a point credit.  In addition, you will have to surrender your current license, have an SR-22 filed on your behalf, pay a $125.00 reinstatement fee and retake the written and road tests in order to have your license reinstated.

  • No proof of insurance

    If you have been found guilty of a citation for no proof of insurance, your license will be suspended until you file an SR-22 and pay a $50.00 reinstatement fee.  Note that the owner of the vehicle is responsible for having it insured and not the driver and it will be the owner who will be subject to the license suspension.

  • A court ordered revocation

    If you are convicted of a traffic violation, your driver’s license may be revoked as part of the court judgment against you.  In order to have your license reinstated, you must surrender your current license, have an SR-22 filed on your behalf, pay a $125.00 reinstatement fee and retake the written and road tests in order to have your license reinstated.

  • An accident suspension

    If you are involved in a reportable accident (one in which the value of the damages appear to exceed $1,000) you will be required to file both a Driver’s Motor Vehicle Accident Reportand show proof of financial responsibility.  In addition, the Investigating Officer is also required to file a report.

    Should the Department of Motor Vehicles determine that there is a reasonable possibility of a judgment against you being ordered and you have not proven financial responsibility, your license will be suspended.  In order to get your license reinstated, you will have to file proof of financial responsibility for the accident.  This can be in the form of

    • A Letter of Verification from an authorized representative from an insurance company stating that there is coverage for the accident (in this case, an SR-22 will not be required.)
    • A security deposit with the DMV in the form of cash, a cashier’s check or money order.  The amount required will be on the Notice of Suspension
    • A release in which you are the released party
    • A payment plan agreed upon by person or entity claiming damages and yourself,
    • Proof that the other party’s insurance paid for your damages or
    • A certified copy of a judgment of non liability

In addition, unless you were insured at the time of the accident, you will need to file an SR-22 and pay a $50.00 reinstatement fee in order to have your license reinstated.

  • An unsatisfied judgment suspension

    If

    • You have been involved in an accident,
    • Are the owner of a vehicle involved in an accdent, or
    • The parent, guardian or spouse of someone involved in an accident


You may be required to make restitution to the other party or parties.  If you fail to do so, the other party or parties.  If you fail to make restitution they may petition the court to render a judgment against you.  If the court rules in their favor, you have 30 days to appeal the ruling. Following that you have 60 days to satisfy the judgment.  If you fail to satisfy the judgment in that 90 day period; the court will send a certified copy of the judgment to the Department of Motor Vehicles, who will suspend your license.

In order to have your license reinstated, you will have to show proof that the judgment has been satisfied by providing a certified copy from the court that either

  • A release in which you are the released party or
    • A payment plan agreed upon by person or entity claiming damages and yourself


has been filed with the court.  In addition, you must file an SR-22 and pay a $50.00 reinstatement fee.

  • A default in payment / unsatisfied judgment suspension.

    If you have failed to make payments per the terms of a payment plan, you will be considered in default and as a result, your license will be suspended.  In order to have your license reinstated, you will need to provide some combination of

    • A release in which you are the released party,
    • A payment plan agreed upon by person or entity claiming damages and yourself, and
    • A security deposit with the DMV in the form of cash, a cashier’s check or money order.  The amount required will be on the Notice of Suspension

In addition, you must file an SR-22 and pay a $50.00 reinstatement fee.

You would also need an SR-22 if you are issued

  • An Employment Drive Permit

    If you license has been suspended or revoked due to an

    • Excess point violation, or
    • Failure to pay child support


You may be eligible to have an Employment Drive Permit.  It will allow you to drive to and from work and within the course and scope of your employment.  It will only be issued to those who can produce a certification that driving is required as part of their employment and that there is no reasonable alternative means of transportation. To obtain an Employment Drive Permit you must;

  • Fill out an application
    • Surrender your driver’s license
    • File an SR-22
    • In the case of an Excess Point Violation, Complete a Driver Improvement Course approved by the Department of Motor Vehicles
    • Meet any other requirements imposed on you, and
    • Pay a $45.00 fee.
  • An Ignition Interlock Permit.

    An Ignition Interlock Permit may be issued in lieu of an Administrative License Revocation related to being cited for Driving Under the Influence.  You will be required to have an Ignition Interlock device installed in your vehicle and provide a Certification of Installation.

    An ignition interlock device requires that the driver breathe into a breathalyzer before they start their car.  The breathalyzer will then test for alcohol consumption and prevent the car from being started should the driver be intoxicated.  In addition, the ignition interlock device will request a breath sample at random intervals while the driver is operating the car.  One thing it won’t do is shut the car off while you are driving should you be intoxicated.

    There is a fee for installation and purchase of the device as well as for maintenance.  These vary, so you may want to shop for the best deal.

    In addition, you will need to:

    • Either apply for an Ignition Interlock Permit or produce a certified copy of a court order in which permits an Igntion Interlock Permit to be issued to you
    • Surrender your driver’s license
    • File an SR-22
    • Meet any other requirements specified and
    • Pay a $49.50 fee.

  • A Medical Hardship Permit

    If you have received a point suspension, you may be eligible to receive a Medical Hardship Permit will allow you drive from home or a place of employment to a clinic, hospital or similar facility for a period of 90 days.  Upon expiration, it may be renewed.  To obtain a Medical Hardship Permit you must;

    • Fill out an application
    • Surrender your driver’s license
    • File an SR-22
    • In the case of an Excess Point Violation, Complete a Driver Improvement Course approved by the Department of Motor Vehicles
    • Meet any other requirements imposed on you, and
    • Pay a $45.00 fee.

In summary, If you have had your driver license suspended or revoked, you will need and SR – 22.  In addition, there will be several steps you need to take in order to partially have your driving privilege restored so that you may be able to drive again even after you have been sanctioned.