Filing for SR-22 insurance in Nevada | finder.com
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Filing for SR-22 insurance in Nevada

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If you’ve gotten in trouble behind the wheel in Nevada, you could be ordered by the court to file for an SR-22.

While it’s commonly called SR-22 insurance, an SR-22 isn’t insurance at all. Rather, it’s a document your insurance company files with the state to prove you’re covered by the minimum car insurance required to legally drive.

Here’s a look at how you can get and maintain an SR-22 in Nevada.

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Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Nevada car insurance.

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Optional
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Do I need SR-22 insurance in Nevada?

Your state DMV will let you know if you need to file an SR-22. Common reasons for license suspensions and revocations in the state include:

  • Accumulating too many points on your driving record.
  • Getting convicted for a DUI.
  • Driving without insurance.

You’ll need an SR-22 if you want your license reinstated in Nevada. Even if your license is not suspended or revoked, you may need an SR-22 if you’re caught driving without insurance.

Companies that offer SR-22 car insurance in Nevada

Not every insurer offers SR-22 filing support. Compare cheap rates from Nevada insurance companies that offer SR-22 insurance. Your actual quotes will vary based on your demographics, location, driving record and other factors.

Rates last updated October 22nd, 2018
Company Median annual rate Learn more
Liberty Mutual $1,181 Read review
Allstate $927 Read review
State Farm $751 Read review
Geico $1,346 Read review
Progressive $1,321 Read review
American Family $2,149 Read review
USAA $1,269 Read review
Average $1,278 Compare more reviews

What if I don’t have a car or license?

You’ll still need to file for an SR-22 to legally get behind the wheel in Nevada. The insurance covers you, rather than your car. Ask for a non-owner policy when you’re investigating potential providers.

What if I’m from another state?

If your license is suspended in another state, you must clear that state’s reinstatement procedures before getting a license in Nevada.

If you have an SR-22 from another state, you must maintain it while driving in Nevada. Your SR-22 is likely to be sufficient in Nevada, but it’s best to verify coverage with the DMV and your insurer.

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How much does an SR-22 cost in Nevada?

Once you’ve purchased or renewed a policy, most providers will file an SR-22 for a fee of $20 to $50.

But it’s not the fee that’s most expensive when you file for an SR-22 — you’ll also typically see higher premiums than you’re used to. SR-22s are often required after a driving conviction, such as driving without insurance or a DUI. After such a conviction, you’re considered a “high-risk” driver by the state and most providers.

Steps to file for an SR-22 in Nevada

  1. Find an insurer. Ask your insurer if it’s authorized to issue SR-22s in the state of Nevada. If not, find a provider that is.
  2. Pay the SR-22 fee. To finalize your SR-22, you’ll pay a processing fee to your insurer.
  3. Verify minimum liability coverage. If you’re already insured, call your provider to verify your policy includes at least:
    • $15,000 for injury or death to one person.
    • $30,000 for injury or death to more than one person.
    • $10,000 for damage to property.

    These are the minimum coverage requirements for the state of Nevada. You may see this coverage listed as 15/30/10 in insurance documents.

  4. Submit your SR-22. Your insurance agent will file your SR-22 with the Nevada Department of Motor Vehicles. Call to confirm it’s done so.
  5. Wait for confirmation. You’ll receive a letter from your insurer and the state of Nevada that your SR-22 is accepted, allowing you to legally drive in the state.

Find out how to get an SR-22 with top car insurance providers

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

In Nevada, most court-ordered SR-22s result in a coverage requirement of three years. You may find SR-22 policies that last from one to five years.

What happens if I let my SR-22 lapse?

It’s important to prepare for the rate increase you’ll face from being categorized as high risk. A gap in coverage will immediately be reported by your insurer to the DMV via an SR-26 form. You’ll need to secure new coverage within 10 days or face having your filing period reset.

As an example, if you have a three year filing period and you’re two years in when your coverage gets cancelled, you’ll need to keep an SR-22 on file for another three years once you get your license reinstated.

What happens when I don’t need SR-22 coverage anymore?

Once your filing period is up you’ll no longer have to keep a certification on file. The DMV doesn’t notify drivers when their mandates end, so it’s important that you contact your local office and confirm that your time is up before you cancel or change your policy. Your insurance agent will likely be able to assist you with navigating any shifts in your coverage.

Bottom line

You’re wholly responsible for maintaining your filing and insurance policy when it comes to an SR-22 mandate. Avoid getting your filing period reset, fees and extra hassle by keeping up on your insurance payments and renewing your policy early.

Premiums are likely going to be a lot higher than you’re used to, so it’s all the more important to shop around. Take your time and compare providers to get the right fit for your needs and your wallet.

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