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Key Takeaways

  • You must pay between $25 and $50 for filing SR-22 insurance in Nevada.
  • Nevada DMV requires you to retain SR-22 insurance for three years.
  • The state does not offer any alternatives to SR-22 insurance.
  • State Farm and USAA offer the cheapest SR-22 insurance rates in Nevada.

What happens if you get your license suspended? How does it impact your driving history and, most importantly, your insurance rates after that? What should you do to restore your revoked license and the license privileges? The answer to all of this is SR-22 Insurance.

With Insurance added to its tail, the Safety Responsibility insurance is not an auto insurance policy but proof of financial accountability that allows you to drive around after facing driving infractions. SR-22 is mandatory in Nevada, like in most states.

Here, we look at the details of SR-22 Insurance in Nevada, the average SR-22 insurance rates in the state, and the companies that offer cheap SR-22 Insurance in Nevada.

What is SR-22 Insurance in Nevada?

Nevada categorizes you as a high-risk driver if caught driving without insurance, DUI charges, or at-fault collisions. This can result in your driver's license suspension, and you must file an SR-22 in Nevada to get your license reinstated. Once you have obtained SR-22 Insurance, you can resume driving with the same privileges but with higher car insurance rates.

This will ensure that the driver has met the state-mandated minimum insurance coverage.

What is the minimum SR-22 car insurance coverage in Nevada?

The minimum car insurance requirements in Nevada are as follows.

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability per accident for the death of two or more people.
  • $20,000 property damage liability per accident.

When do I need SR-22 Insurance in Nevada?

In the state of Nevada, obtaining an SR-22 insurance policy becomes necessary following a conviction for a significant traffic infraction. Therefore, there is a potential rise in car insurance premiums after filing for an SR-22.

See what you could save on auto insurance

What offenses can lead to an SR-22 in Nevada?

The following driving infractions can raise the need for SR-22 Insurance.

  • Driving under the influence
  • Reckless driving charges
  • Driving without Insurance
  • Driving without a license or after your license has been suspended

Under these conditions, a driver's license could be suspended. To be able to drive with these tickets on your record, you must get SR-22 Insurance.

How long will I need the SR-22 in Nevada?

The time frame required to maintain your SR-22 in Nevada varies with the seriousness of your driving infraction. While most of the convictions will need you to maintain for three years, several breaches like hit-and-run and reckless driving require SR-22 insurance longer in your record.

How much does SR-22 Insurance cost in Nevada?

The cost to file for SR-22 insurance in Nevada ranges from $25 to $50. This could appear affordable. However, the insurance costs after a violation or SR-22 insurance skyrocket compared to Nevada's average insurance rates. To get your suspended driver's license reinstated, you will need to pay a $75 reinstatement fee in addition to the cost of the license and other applicable testing expenses.

How much does SR-22 Insurance raise premiums in Nevada?

The car insurance rates in Nevada are higher than the national average. The average yearly car insurance rate in Nevada is $1929. With a driving infraction on your record, the rates can increase by at least 18%, depending on the severity of the violation. This can increase by anywhere between $115 to $343 per month.

Cheapest Companies for SR-22 Insurance in Nevada

The insurers who specialize in SR-22 insurance might be limited. You are unlikely to find cheaper insurance coverage once your driving record has an infraction to its credit. However, a few prominent insurance companies in Nevada handle SR-22 insurance. Among the short-listed ones, State Farm provides the cheapest insurance quotes for those who have to maintain SR-22 insurance.

Insurance Company Annual Average Insurance Rate
USAA $1032
State Farm $976
Allstate $1207
Travelers $1683

How much does credit score affect SR-22 insurance costs in Nevada?

Another non-driving factor that can influence insurance costs is the credit score. A low credit score coupled with an SR-22 can increase the insurance rates to between $75 and $393 in Nevada.

Credit Tier Avg. Monthly Rate - No Violation Avg. Monthly Rate - SR-22
Excellent $263 $325
Good $293 $361
Average $295 $363
Poor $319 $394

How do you get SR-22 Insurance in Nevada?

Finalize your Provider

Since insuring a high-risk driver with an SR-22 requirement may not be offered by all insurance providers, you must research, shop around, compare and finalize your provider.

Payment of SR-22 Fee

Since the provider needs to complete the form on your behalf, it will be necessary for you to make the payment directly to the provider. It will cost anywhere between $25 and $50.

File the Proof of Insurance

Your provider will file the SR-22 form with the Nevada Department of Motor Vehicles. This is done after your license suspension period ends, depending on your offense's severity.

Maintain your SR-22 Filing

Once you file for an SR-22, the DMV will reinstate your driving privileges and license. However, if you fail to maintain continuous coverage during the critical period, your insurance provider will issue a Form SR-26 to the DMV. This will cause the coverage period to begin over.

Alternatives to SR-22 Insurance in Nevada

There are no alternatives in Nevada that can free you from the requirements of the SR-22 insurance. Therefore, you must purchase the insurance and maintain continuous coverage to hit the road without any further hassle.

Non-Owner SR-22 Insurance in Nevada

If you are someone who has faced a serious driving infraction but who does not own a car but regularly rents or borrows, then you will need non-owner SR-22 insurance. This will prove that you are financially responsible for hitting the road again.

However, the non-owner SR-22 insurance rates are lower than the Nevada average. In addition, State Farm and USAA provide the cheapest non-owner car insurance rates.

Insurance Company Average Annual Rate
USAA $775
State Farm $670
Farmers $3011
Travelers $1188

See what you could save on auto insurance

How to Save Money on SR-22 Insurance

Maintaining a clean driving record is essential to maintaining your insurance premium rates. With an offense on record, reducing insurance premiums can prove to be difficult. With restricted alternatives, comparing insurance quotes should give you an idea of the average rates. This can help choose a cost-effective option even after filing an SR-22 form.

  • Compare and Purchase

Make use of the online quotes that insurance companies now provide. Choosing the one that suits your needs is best possible through this research. Way.com is the quickest and easiest way to compare quotes in Nevada.

  • Improve your credit score

A good credit score indicates fewer claims. A good credit score will come to your rescue if the offense is not repeated and reduce your premium rates.

  • Look for discounts

Once you have filed for SR-22 Insurance, you will have to forget the good driver discounts you once enjoyed. But you have to always look for the other available discounts the insurance companies offer. For example, multipolicy, telematics, and bundling discounts can make a huge difference in the rates.

  • Increase your deductible

Higher deductibles reduce vehicle insurance premiums even though they can reduce your accident claim. First, compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.

  • Pay your premium in full

Insurance companies will reduce the total amount paid if you can pay your premium in full.

  • Consider usage-based car insurance

If you are not a frequent driver but are a high-risk driver due to infractions, you might want to consider usage-based Insurance.

Bottomline: SR-22 Insurance in Nevada

In Nevada, a major traffic violation will lead to a suspended license. The auto insurance company must then submit the SR-22 form. This will certify that the driver meets the state's minimum requirements for insurance. In addition, the driver will have to maintain the SR-22 in Nevada for three years.

Your insurance premiums can increase after filing an SR-22, as the record will have driving infractions that will classify you as a high-risk driver. In Nevada, we observe that State Farm offers the cheapest SR-22 insurance and non-owner SR-22 insurance rates, followed by USAA.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How long do you need an SR-22 in Nevada?

Nevada's SR-22 requirements vary depending on the severity of your driving offense. For example, most convictions require three years of SR-22 insurance, but hit-and-run and reckless driving requires longer.

What happens to my SR-22 in Nevada if I move?

You're still required to keep your SR-22 if you leave Nevada. Your SR-22 mustn't lapse; if it does, you may have to begin your three-year requirement over again.

Do I need an SR-22 in Nevada if I don't have a car?

Yes, if you are someone who has faced a serious driving infraction but who does not own a car, then you will need non-owner SR-22 insurance. This will prove that you are financially responsible for hitting the road again.

What is an SR-22 for in the state of Nevada?

Nevada categorizes you as a high-risk driver once found driving without Insurance, DUI charges, or at-fault collisions. This can result in your driver's license suspension, and you must file an SR-22 in Nevada to get your license reinstated.

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