Driving Without Insurance in Nebraska

An owner who drives or allows a vehicle to be driven without insurance is guilty of a Class II misdemeanor; on conviction, the owner's driver's license, registration and license plates are suspended until proof of financial responsibility is filed, and the owner must maintain that proof for three continuous years. An owner who could not show proof when stopped has ten days to show the prosecutor that insurance was in effect, and the citation is then dismissed. Paying registration fees without keeping insurance in effect for the whole registration period is a Class IV misdemeanor. To reinstate after a no-proof-of-insurance conviction, the DMV requires an SR-22 and a $50 reinstatement fee.

Proof of financial responsibility is required for every vehicle registered in Nebraska, must be carried in the vehicle at all times (trailers and some other vehicles excepted), and must be shown to the County Treasurer when registering. A certificate of insurance or the policy must be an original from an insurer authorized in Nebraska (photocopies are not accepted), but evidence of insurance may be displayed as an electronic image on a phone, tablet or laptop.

After a suspension or revocation from a court conviction, point accumulation or other administrative action, the Nebraska DMV requires an SR-22 filing proving all vehicles you own are insured (or a non-owner policy if you own none); it is the only proof accepted and cannot be faxed or photocopied. After a no-proof-of-insurance conviction, the SR-22 must stay on file for three years from the date of the citation, regardless of where you live, and a lapse leads to suspension.