Nebraska DUI & License Suspension Insurance Guide
Nebraska requires 25/50/25 liability coverage and is an at-fault state.
Compare Auto Rates for Senior DriversNebraska 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
72
Age when license renewal rules change, with a vision test at renewal
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Nebraska
Most Nebraska drivers assume their insurance will be canceled immediately after a DUI or serious violation—it usually won't. Standard carriers typically allow your policy to remain in effect until the next renewal date, then issue a non-renewal notice. This gives you 30-60 days to find replacement coverage, but you must act during that window. Nebraska requires continuous SR-22 filing for drivers convicted of DUI, driving without insurance, or repeat serious violations, and not all insurers offer it.
SR-22 Filing Requirement
Non-Standard Auto Insurance
Liability Insurance
Uninsured Motorist Coverage
Full Coverage on Paid-Off Vehicles
What Drivers Pay in Nebraska
$141–$180/mo
Typical monthly rate in Nebraska, drivers 65 and over
Rate data: MoneyGeek and Insure.com, 2026
What Affects Your Rate
- Age and driving history: senior drivers with otherwise clean records may see lower increases than younger drivers with multiple violations
- Carrier availability: fewer carriers offer SR-22 filing in Nebraska, limiting competition and keeping rates higher in the non-standard market
- Time since violation: rates begin to decrease after 3 years if you maintain continuous coverage and avoid new violations
Put These Answers to Work on Your Rate
Compare Auto Rates for Senior DriversMature-driver discount
Not required by state law
Mature-driver discounts here are set by each insurer.
Source: state statutes and insurance departments, verified July 2026
Coverage Types
Non-Standard Auto Insurance
Insurance designed for drivers who can't get standard coverage due to DUIs, violations, lapses, or suspensions. Costs significantly more but provides the SR-22 filing and continuous coverage required to maintain legal driving status in Nebraska.
SR-22 Insurance
The state-mandated certificate proving continuous liability coverage for high-risk drivers. Required for 3 years after certain violations in Nebraska, with any lapse resetting the clock and triggering immediate license suspension.
Liability Insurance
The foundation of your SR-22 requirement—covers injury and damage you cause to others. Nebraska requires 25/50/25 minimum limits, but higher limits provide better protection and may not cost significantly more for violation drivers already paying elevated rates.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance—especially important for senior drivers with medical concerns who can't afford gaps in coverage during the SR-22 period.
Full Coverage
Liability, comprehensive, and collision combined—protects both your legal obligation and your vehicle. Required if you finance; optional if you own your car outright and can afford to replace it after a total loss.