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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.
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.
These are the minimum coverage requirements for the state of Nevada. You may see this coverage listed as 15/30/10 in insurance documents.
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.
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.
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.
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:
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.
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.
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.
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.
Compare SR-22 car insurance from companies near you.
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Need help? Call (877) 959-5072 toll-free to speak to an SR-22 specialist.
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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