SR-22 Insurance in Nevada: Cost, Requirements, and Cheapest Companies
The average cost of Nevada SR-22 insurance is $194 per month for liability-only coverage and $307 per month for full coverage.
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Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Qualifications:
Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
)
Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
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Quick Facts
An SR-22 is a certificate of financial responsibility that proves you have the minimum liability coverage the state of Nevada requires.
Nevada drivers with an SR-22 pay monthly averages of $194 for liability coverage and $307 for full coverage.
You’ll need an SR-22 to reinstate your license, and possibly your registration, after suspension or revocation for serious driving offenses or lapses in insurance coverage.
SR-22 requirements in Nevada
An SR-22 is a certificate of financial responsibility that proves you have the 25/50/20 minimum liability coverage Nevada requires.[1] You might need it for driver’s license reinstatement after suspension or revocation from serious violations, such as a lapse in insurance, driving under the influence (DUI), or racking up 12 or more points for violations like speeding tickets and reckless driving citations.
Your insurer issues the SR-22 form and files it with the Nevada Department of Motor Vehicles (DMV), usually charging a filing fee for the service. You’ll need to maintain the coverage for at least three years to avoid having the DMV suspend your license, registration, and restart the clock on the three-year requirement.[2]
Here’s a look at Nevada’s SR-22 requirements.
SR-22 Insurance | Nevada Requirement |
|---|---|
| Minimum liability limit |
|
| SR-22 filing fee | None required by state; insurer fees vary but generally cost about $25 |
| How to file | Insurer files; electronic validation required |
| How long you need it | 3 years, beginning with license reinstatement |
| Penalty for lapsed SR-22 coverage | Registration and license suspension |
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How much is SR-22 insurance in Nevada?
Nevada drivers with an SR-22 pay an average of $194 per month for liability-only coverage and $307 per month for full coverage. In comparison, drivers with clean driving records pay $164 per month for liability insurance and $260 per month for full coverage.
Nevada SR-22 insurance raises your rates because the driving violations leading to that requirement make you a high-risk driver. High-risk drivers are more likely to file insurance claims, so insurance companies charge higher rates for coverage. How much higher depends on several factors, including your driving history, the severity of your violation, and your insurer.
Driver Profile | Average Monthly Cost: Liability Only | Average Monthly Cost: Full Coverage |
|---|---|---|
| Clean record | $164 | $260 |
| With SR-22 | $194 | $307 |
Disclaimer: Table data is based on real-time Nevada quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest companies for SR-22 insurance in Nevada
In Nevada, Country Financial has the cheapest coverage for drivers who need an SR-22, with rates averaging $61 per month for minimum coverage.
Below are other affordable insurers for drivers with an SR-22 in Nevada.
The below rates in Nevada are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Country Financial | $61 | $96 |
| State Farm | $88 | $139 |
| Just Pay-Per-Mile | $116 | $181 |
| USAA | $124 | $195 |
| Sun Coast | $162 | $302 |
| Mercury | $169 | $258 |
| Safeco | $183 | $214 |
| GEICO | $188 | $263 |
| Mendota | $190 | $335 |
| Allstate | $191 | $337 |
| Direct Auto | $197 | $365 |
| Root | $198 | $295 |
| Trexis | $209 | $414 |
| Progressive | $211 | $282 |
| Just Unlimited | $221 | $365 |
| Liberty Mutual | $245 | $311 |
| Farmers | $248 | $391 |
| Bristol West | $267 | $448 |
| Travelers | $296 | $467 |
| American Family | $304 | $478 |
Disclaimer: Table data sourced from real-time Nevada car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Nevada may vary based on the policy buyer's unique driver profile.
When do you need SR-22 insurance in Nevada?
Several situations might trigger an SR-22 insurance requirement in Nevada:
Registration suspension for lapse of insurance: Nevada has no grace period before suspending registrations for an insurance lapse. Reinstatement after a third offense or any lapse lasting 91 days or longer requires an SR-22.[3]
Driver’s license reinstatement after insurance lapse: If you lose your license because of a lengthy lapsed-insurance conviction, the Nevada DMV requires an SR-22 certificate to reinstate your license.
Driver’s license/registration reinstatement after serious moving violations: The Nevada DMV suspends drivers’ licenses and, in some cases, registrations for serious offenses such as DUI, driving without insurance, failure to appear in court after a traffic ticket, accumulating 12 or more license points, and at-fault accidents with bicycles or pedestrians. You’ll need an SR-22 for reinstatement.
How to get SR-22 insurance in Nevada
Getting SR-22 insurance in Nevada requires a few more steps than getting insurance without an SR-22 requirement:
Reinstate your license. You need to reinstate your license before the Nevada DMV will accept an SR-22. To reinstate your license in Nevada, you’ll need to pay your reinstatement fees and meet the requirements. These can vary depending on whether your suspension was from a lapse in insurance or a more serious offense, such as a DUI, according to the DMV.
Compare quotes. Compare rates from several different Nevada car insurance companies. Input information about your vehicle, driving history, and insurance history. Look for an insurer that’s able to issue an SR-22.
Check coverage details. Be sure the policies have at least the minimum coverage limits Nevada requires. Also check deductibles, add-ons, and discounts.
Confirm SR-22 form. Once you select a company and policy, contact the insurer to verify that it’ll file the SR-22 on your behalf. Also ask if it has an SR-22 filing fee.
Purchase your policy. Purchase your policy, and have the insurer file the SR-22 with the Nevada DMV.
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How long does Nevada require SR-22 insurance?
You’ll need SR-22 coverage for at least three years from the time the state reinstates your license. Take care to maintain continuous coverage. Otherwise, you’ll have to begin the license/registration reinstatement process again, and the DMV will restart the three-year clock on your SR-22 certification requirements.
Not every insurer will file an SR-22. Plus, SR-22 insurance can lead to higher premiums that make it difficult to find coverage you can afford. Applying for discounts, reviewing your coverage levels, and adjusting your deductible can help mitigate costs.
Nevada SR-22 insurance FAQs
These are some of the most common questions about SR-22 requirements in Nevada, coverage minimums, and duration.
How much is SR-22 insurance in Nevada per month?
On average, Nevada drivers with an SR-22 pay $194 per month for liability-only coverage and $307 per month for full coverage.
How much you’ll pay for insurance with an SR-22 depends on many factors, including the violation that resulted in your license/registration suspension or revocation, the insurer you choose, and your driving history.
Who needs SR-22 insurance in Nevada?
You need an SR-22 for certain insurance lapses, for serious driving violations like a DUI, and having 12 or more points on your license.
How long is SR-22 insurance required in Nevada?
Nevada requires SR-22 insurance for three years. The three-year countdown begins once the state reinstates your license, according to the Nevada DMV.
What happens if your SR-22 insurance lapses in Nevada?
If your coverage lapses, the insurer will inform the state. The state will then revoke your license and registration, and your three-year SR-22 requirement will restart.
Sources
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Qualifications:
Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.