Best Nebraska SR-22 Insurance in 2024 (Top 10 Companies Ranked)

Liberty Mutual, Progressive, and Allstate are the best Nebraska SR-22 insurance providers with rates as low as $15 per month. Liberty Mutual offers a 25% bundling discount.

Progressive provides affordable rates for minimum coverage, and Allstate features accident forgiveness. SR-22 insurance is required for Nebraska drivers with suspended licenses, typically after serious violations like DUIs. (Read More: Best Car Insurance Companies That Don't Ask for a License)

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A	Extensive Coverage	Liberty Mutual
	#2	10%	A+	Affordable Rates	Progressive
	#3	25%	A+	Reliable Service	Allstate
	#4	17%	B	Customer Satisfaction	State Farm
	#5	20%	A+	Flexible Options	Nationwide
	#6	10%	A++	Military Benefits	USAA
	#7	20%	A	Strong Reputation	Farmers
	#8	25%	A++	Discount Variety	Geico
	#9	13%	A++	Customizable Policies	Travelers
	#10	25%	A	Competitive Prices	American Family

On average, Nebraska drivers with SR-22 insurance after a DUI pay 68% more for car insurance than those with clean records. Comparing multiple quotes ensures the best coverage and rates. By entering your ZIP code above, you can get instant car insurance quotes from top providers.

What You Should Know

• Liberty Mutual offers the highest bundling discount at 25%
• USAA offers affordable SR-22 insurance in Nebraska at $15/month
• Nebraska requires SR-22 insurance for a minimum of three years

#1 – Liberty Mutual: Top Overall Pick

Pros

• Customizable Policies: Liberty Mutual offers a wide range of coverage options tailored for SR-22 filers in Nebraska.
• Generous Bundling Discount: Nebraska SR-22 filers can save up to 25% by bundling auto insurance with home or renters policies.
• Strong Financial Stability: Nebraska SR-22 policyholders benefit from Liberty Mutual's A rating from A.M. Best learn more in our car insurance review of Liberty Mutual.

Cons

• Higher Premiums: Nebraska SR-22 insurance rates with Liberty Mutual are above average at $48/month for minimum coverage.
• Strict Underwriting: Liberty Mutual may have more stringent criteria for high-risk drivers seeking SR-22 coverage in Nebraska.

#2 – Progressive: Best for Affordable Rates

Pros

• Competitive Pricing: Progressive offers some of the lowest SR-22 insurance rates in Nebraska at $25/month for minimum coverage.
• Usage-Based Options: Nebraska SR-22 filers can save with Progressive's Snapshot program based on driving habits. (Read More: Progressive Car Insurance Review)
• User-Friendly Digital Tools: Nebraska SR-22 policyholders benefit from Progressive's app for easy policy management.

Cons

• Lower Bundling Discount: Progressive only offers a 10% discount for bundling policies in Nebraska.
• Limited Local Presence: Progressive may have fewer in-person agents available in some areas of Nebraska for SR-22 assistance.

#3 – Allstate: Best for Reliable Service

Pros

• Extensive Agent Network: Allstate offers personalized SR-22 assistance through local agents across Nebraska.
• Accident Forgiveness: Nebraska SR-22 filers benefit from Allstate's added protection for high-risk drivers.
• Financial Strength: Allstate's A+ rating from A.M. Best ensures long-term stability for Nebraska SR-22 policyholders.

Cons

• Above-Average Rates: Allstate's SR-22 insurance premiums in Nebraska are higher, at $33/month for minimum coverage.
• Strict Discount Eligibility: Allstate may have more restrictive requirements for SR-22-related discounts in Nebraska.

#4 – State Farm: Best for Customer Satisfaction

Pros

• High Claims Satisfaction: State Farm consistently receives top ratings for claims handling for Nebraska SR-22 policyholders.
• Local Expertise: Nebraska SR-22 filers benefit from State Farm's large network of agents familiar with state requirements. Read more about their network in our State Farm car insurance review.
• Competitive Pricing: State Farm offers affordable SR-22 insurance rates in Nebraska at $18/month for minimum coverage.

Cons

• Lower Financial Rating: Nebraska SR-22 policyholders should note State Farm's B rating from A.M. Best.
• Limited Digital Options: State Farm may offer fewer online tools for managing SR-22 policies in Nebraska.

#5 – Nationwide: Best for Flexible Options

Pros

• Customizable Policies: As mentioned in our Nationwide car insurance review they offer adaptable SR-22 coverage options in Nebraska.
• Vanishing Deductible: Nebraska SR-22 filers can benefit from Nationwide's unique feature that reduces deductibles over time.
• Affordable Rates: Nationwide provides competitive SR-22 insurance pricing in Nebraska at $20/month for minimum coverage.

Cons

• Limited Physical Presence: Nationwide may have fewer local offices in some regions of Nebraska for SR-22 assistance.
• Restricted Discounts: Some of Nationwide's cost-saving opportunities may not be available to SR-22 filers in Nebraska.

#6 – USAA: Best for Military Benefits

Pros

• Lowest Rates: USAA offers the most affordable SR-22 insurance in Nebraska at $15/month for minimum coverage. (Learn More: USAA Car Insurance Review)
• Specialized Military Services: Nebraska SR-22 filers with military affiliations benefit from USAA's tailored services.
• Top Financial Strength: Nebraska policyholders are backed by USAA's highest A++ rating from A.M. Best among listed insurers.

Cons

• Limited Eligibility: USAA is only available to military members and their families needing SR-22 in Nebraska.
• Strict SR-22 Requirements: USAA may have more rigorous criteria for SR-22 coverage in Nebraska compared to standard policies.

#7 – Farmers: Best for Strong Reputation

Pros

• Diverse Coverage Options: Farmers offers a wide range of policy choices for SR-22 filers in Nebraska.
• Knowledgeable Agents: Nebraska SR-22 filers benefit from Farmers' local representatives well-versed in state requirements.
• Solid Financial Rating: Farmers' A rating from A.M. Best indicates strong financial stability for Nebraska SR-22 policyholders.

Cons

• Higher Premiums: Farmers' SR-22 insurance rates in Nebraska are above average at $35/month for minimum coverage. Read our Farmers car insurance review for their available discounts.
• Complex Policies: Nebraska SR-22 filers may find Farmers' policy structures more intricate compared to other insurers.

#8 – Geico: Best for Discount Variety

Pros

• Multiple Discounts: Geico offers Nebraska SR-22 filers numerous ways to reduce insurance costs. Like bundling Geico renters insurance with car insurance.
• Competitive Rates: Geico provides affordable SR-22 insurance pricing in Nebraska at $25/month for minimum coverage.
• User-Friendly Technology: Nebraska SR-22 policyholders benefit from Geico's easy-to-use website and mobile app.

Cons

• Limited Local Support: Geico may have fewer in-person agents available in some parts of Nebraska for SR-22 assistance.
• Restricted Discount Eligibility: Cost-saving opportunities may not apply to high-risk drivers with SR-22 in Nebraska.

#9 – Travelers: Best for Customizable Policies

Pros

• Highly Adaptable Policies: Travelers offers extensive coverage options and add-ons for SR-22 policies in Nebraska. (Read More: Travelers Car Insurance Review)
• Competitive Pricing: Travelers provides affordable SR-22 insurance rates in Nebraska at $27/month for minimum coverage.
• Top Financial Strength: Nebraska SR-22 policyholders are backed by Travelers' A++ rating from A.M. Best.

Cons

• Lower Bundling Savings: Travelers only offers a 13% discount for bundling policies in Nebraska, less than some competitors.
• Complex Quoting Process: Nebraska SR-22 filers may find Travelers' procedure complicated.

#10 – American Family: Best for Competitive Prices

Pros

• Competitive Pricing: American Family offers affordable SR-22 insurance rates in Nebraska at $30/month for minimum coverage.
• Generous Bundling Discount: In our review of American Family car insurance Nebraska SR-22 filers can save 25% by combining auto with other policies.
• Strong Regional Presence: Nebraska policyholders benefit from American Family's focus on Midwestern states.

Cons

• Limited Digital Tools: American Family may offer fewer online options for managing SR-22 policies in Nebraska.
• Restricted Discounts: Some of American Family's discounts may not be available to high-risk drivers with SR-22 in Nebraska.

Nebraska SR-22 Insurance Rates

If you’ve committed a driving violation in Nebraska, you may be required by the state or court to file an SR-22 form. An SR-22 filing is completed through your insurance company and its purpose is to provide proof to Nebraska that you have at least the minimum amount of liability coverage required in the state.

If you need Nebraska SR-22 insurance Rates, you’ll be considered a high-risk or a non-standard driver. Drivers who are a high risk typically pay the most for car insurance coverage because of the risk they pose to insurance companies.

Insurance Company	Minimum Coverage	Full Coverage
	$33	$125
	$30	$112
	$35	$130
	$25	$92
	$48	$179
	$20	$77
	$25	$95
	$18	$69
	$27	$102
	$15	$56

The table shows that SR-22 insurance rates in Nebraska can differ greatly from one provider to another. USAA offers the best rates for both minimum and full coverage, but only military members and their families can use their services.

Nebraska Insurance Limits

An SR-22 form is a certificate of financial responsibility that verifies to the state of Nebraska that you have obtained and are maintaining at least the minimum amount of liability coverage required by law.

In Nebraska, all drivers are required to have liability insurance coverage. This mandatory coverage protects other drivers and property owners in case you're at fault in an accident. You must have at least the following liability coverages and limits:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $25,000 for property damage per accident

You may think that these limits are high, but comparing them against medical expenses accrued after an accident may prove otherwise. For more information, read our article titled "A Practical Guide For Understanding Car Insurance."

Saving Money on SR-22 in Nebraska

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. There are top ways customers save money on their car insurance either bundling or getting discounts.

While you never want to sacrifice quality to save a couple of dollars, there are discounts you can get from top providers to save on your SR-22 insurance.

Insurance Company	Available Discount
	Multi-policy, Good student, Safe driver, Defensive driving, Early signing, Low mileage, Smart home
	Multi-policy, Good student, Safe driver, Homeowner, Pay-in-full, Electronic payment
	Multi-policy, Good driver, Good student, Defensive driving, Military, New vehicle, Anti-theft system
	Multi-policy, Multi-car, Good student, Homeowner, Anti-theft device, Accident-free, Online purchase
	Multi-policy, SmartRide (usage-based), Good student, Accident-free, Paperless, Automatic payment
	Multi-policy, Homeowner, Continuous insurance, Safe driver, Pay-in-full, Paperless, Automatic payment
	Multi-policy, Safe driver, Good student, Anti-theft device, Defensive driving, Accident-free
	Multi-policy, Homeowner, Safe driver, Continuous insurance, Good student, Hybrid/electric vehicle
	Multi-policy, Safe driver, Good student, New vehicle, Low mileage, Defensive driving (Available for military members and their families)
	Multi-policy, Good driver, Good student, Defensive driving, Military, New vehicle

Liberty Mutual offers a solid 25% discount for bundling policies. Progressive has rates that start at just $25 a month for the minimum coverage. Allstate provides an accident forgiveness program that eases the burden after a mishap.

Ready to find affordable car insurance? Get started today by entering your ZIP code below into our free comparison tool.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Your driving record
• How much you drive
• Location
• Age
• Marital status
• Gender
• Your car’s make, model and year
• Your credit history (in some states)
• Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Monitor price changes to your policy
• Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

• Cost
• Customer Service
• Overall Experience
• Claim service
• Purchasing experience
• Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.