Compare SR-22 insurance in Nevada

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.

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.

• Quote methodology: driver profile & coverage options

  To get these quotes, we compared median rates for the same driver profile.

  • 89501 ZIP code
  • Male driver
  • 26–30 years old
  • Married
  • Good credit
  • 2017 Toyota Camry LE
  • State minimum requirements

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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Compare Nevada SR-22 car insurance

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.

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Name	Product	Roadside assistance	Accident forgiveness	Payment schedule	States served
The General		Optional		12 months, monthly	All states except HI MA MI and NJ	Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.	Get quotes More Info	Compare	loading Fetching your data...
Esurance				12 months, monthly	AL, AZ, AR, CA, CO, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Farmers				12 months, custom, Monthly	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...
EverQuote		Optional		12 months, 6 months, monthly, custom	All 50 states	Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.	Get quotes	Compare	loading Fetching your data...

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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.

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.

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.