If you’ve gotten in trouble behind the wheel in Nevada, you could be ordered by the court to file for an SR-22.
Despite that 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 the Silver State.
Do I need SR-22 insurance in Nevada?
You’ll need an SR-22 if you want your license reinstated in Nevada. 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.
Even if your license is not suspended or revoked, you may need an SR-22 if you’re caught driving without insurance.
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.
The impact of an SR-22 on your car insurance rates
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
- 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.
- Pay the SR-22 fee. To finalize your SR-22, you’ll pay a processing fee to your insurer.
- 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.
- 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.
- 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.
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.