SR-22 insurance in Nevada is not an insurance policy. Rather, it’s a certificate proving financial responsibility that some drivers must submit to the state. It’s necessary for individuals who are found guilty of specific driving offenses, including DUI, driving without insurance and reckless driving.
Your insurer files an SR-22 form with the Nevada DMV to verify that your policy meets the state’s minimum liability coverage requirements. This form is typically required when you need to reinstate driving privileges after they were revoked or suspended due to violations. You must maintain continuous coverage throughout the specific period for compliance with the court or DMV.
In this guide, you’ll find what SR-22 insurance covers in Nevada and how it affects your annual premiums should you need one.
Who needs an SR-22 in Nevada?
In Nevada, individuals whose driving licenses were suspended or revoked due to certain violations may be required to obtain an SR-22.
Below are the violations that can trigger this requirement:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
The requirement to carry an SR-22 in Nevada usually lasts for a period of 3 years, which may vary based on the severity of the offense. During this period, you must carry at least the minimum car insurance required by Nevada law.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Nevada?
To obtain SR-22 insurance in Nevada, you must first get a car insurance policy. Then, the insurance company will submit an SR-22 form to the Department of Motor Vehicles (DMV) on your behalf.
Getting the right car insurance:
- Contact your current insurance provider: Many insurers can handle SR-22 filings, but remember that your rates may change. It’s important to confirm whether they offer an SR-22 and if it will affect your premiums.
- Shop for quotes: It’s important to compare quotes from different insurers that offer SR-22 coverage. Disclose your need for an SR-22 so you get accurate estimates.
- Meet state minimum liability limits: Make sure that your coverage meets Nevada’s required minimums, which is 25/50/20.
Filing the SR-22:
- Inform your insurer about your SR-22 requirement. They’ll handle the paperwork and submit the form to the DMV.
- Pay any associated fees. Expect an SR-22 filing fee from your insurance company on top of the increased premium for your high-risk status.
- Maintain continuous insurance. A lapse in coverage may result in the DMV suspending your license again.
Having an SR-22 may increase your car insurance costs because it signifies a riskier driver. To minimize the impact, compare quotes from different insurers and focus on safe driving habits to get lower rates in the future.
Discover your options for getting SR-22 insurance without a valid license
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How much is SR-22 insurance in Nevada?
The cost of car insurance in Nevada is $2,349 per year for full coverage with an SR-22, which is $256 higher than the national average of $2,093 annually. However, having a DUI on your driving record can significantly increase your premium to an average of $3,805 per year for full coverage.
Besides the higher premium, many insurance companies charge a small fee to submit the SR-22 form. If your license is suspended, your only option for getting it reinstated is to buy car insurance and file the SR-22 form.
How much is SR-22 insurance per month in Nevada?
Drivers in Nevada who have a DUI on their record can expect to pay $317 per month for a full coverage policy, which includes an SR-22.
Not all insurance companies provide car insurance for high-risk drivers, so you may need to look into various insurers to find the one that does. But be prepared to pay higher premium costs due to driving infractions on your record.
However, if you drive carefully and avoid speeding, DUIs and other violations, you can improve your driving record, which could lead to lower insurance premiums in the future.
Affordable SR-22 insurance companies by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cheapest SR-22 insurance companies in Nevada
Geico offers the cheapest SR-22 car insurance rates to Nevada drivers at an average annual premium of $1,725 . State Farm and Mercury Insurance also offer affordable SR-22 car insurance rates in Nevada, based on an in-depth analysis by CarInsurance.com.
Following a traffic violation like a DUI in Nevada, getting SR-22 insurance becomes mandatory. Although the SR-22 doesn’t directly affect insurance rates, most violations requiring it often lead to premium hikes.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| Geico | 1,708 | 1,725 |
| State Farm | 1,443 | 1,803 |
| Mercury Insurance | 2,156 | 2,388 |
| American Family | 2,429 | 2,780 |
| Progressive | 2,482 | 2,867 |
| Farmers | 2,328 | 3,069 |
| Allstate | 2,614 | 3,101 |
| CSAA Insurance (AAA) | 3,651 | 3,932 |
| USAA* | 1,672 | 1,735 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Nevada?
In Nevada, you are required to have SR-22 coverage for a period of 3 years. This confirms to the Nevada DMV that you have the state-mandated minimum insurance coverage.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
What happens if I cancel my SR-22 insurance?
Canceling your SR-22 insurance before the mandated period ends can lead to several serious consequences
- Driver’s license suspension: Your insurance company is required to inform the state if your SR-22 is canceled. This will likely lead to your driver’s license being suspended.
- Fines and penalties: Non-compliance with SR-22 requirements may incur additional fines or penalties, adding to the financial consequences of policy cancellation.
- extended probationary period: If your SR-22 was a condition of probation for a driving offense, canceling it could reset the probation clock.
- Insurance premium increase: A lapse in coverage and violations can lead to significant spikes in insurance premiums.
Failing to maintain continuous SR-22 coverage for the mandated period can result in legal consequences and the suspension of your driving privileges.
How to get an SR-22 removed in Nevada
The most common way to get your SR-22 removed is to wait until the required filing period is over. In Nevada, the standard SR-22 filing period is 3 years from its filing date.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in Nevada?
Requiring an SR-22 certificate can substantially increase your car insurance premiums. Insurance providers typically categorize drivers with SR-22s as high-risk, which often translates to higher rates.
The specific amount by which your premiums will rise can vary depending on factors like your driving history and the reason for the SR-22 filing.
Car insurance can be more expensive after an SR-22, so it’s a good idea to get quotes from different companies to find the best deal. However, maintaining a clean driving record and adhering to SR-22 obligations can lead to decreased insurance rates.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for Nevada drivers
If you don’t have a car but require an SR-22 in Nevada, non-owner SR-22 insurance can help you reinstate your driving privileges and meet the SR-22 requirements.
Non-owner car insurance offers liability coverage for individuals who don’t own a vehicle. An added benefit is that some insurers can file the SR-22 form with the DMV for you, which may be required in certain situations.
Frequently asked questions: SR-22 insurance in Nevada
How do I check my SR-22 status online in Nevada?
There are two ways to check the status of your SR-22. Visit the official website of your state’s Department of Motor Vehicles (DMV). Most states allow you to check your SR-22 status through their online services. You can also contact your state’s DMV directly via phone.
Do I need an SR-1P or SR-22 in Nevada?
Both the SR-22 and SR-1P are forms submitted by your insurance provider to the Nevada DMV to confirm that you meet the minimum liability coverage requirements. The SR-1P is for two-wheelers like motorcycles, mopeds, and scooters. If you’ve been cited for riding without insurance or have had your license suspended while operating a motorcycle, you’ll need to file SR-1P.
What happens to your SR-22 insurance in Nevada if you move?
Your SR-22 insurance obligation in Nevada remains even after you move. To comply with legal requirements, find a new insurance provider licensed in your new state. They’ll handle the paperwork to transfer the SR-22 obligation from Nevada to your new location. Keep your coverage active until you get the new SR-22.
The SR-22 requirements in your new state may differ from those in Nevada. It’s important to check with your new insurance provider and the local DMV to learn the state’s requirements.
Does Geico offer SR-22 in Nevada?
Yes, Geico provides SR-22 insurance in Nevada. As a major car insurance provider, Geico can file an SR-22 form with the state on your behalf and offer the required insurance coverage to comply with state laws.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed November 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in Nevada. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
Note: USAA is only available to military community members and their families.
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Laura Longero
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Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Guide to car insurance (with rates) in cities of Nevada