SR-22 in Nevada: What You Need to Know

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  • What is it?
  • Who needs it?
  • How to get it
  • The cost?
  • Insurance implications
  • Cheap insurance
In Nevada, if you’re convicted of a serious driving violation, you’ll need your insurance provider to file an SR-22 form on your behalf. This “proof of insurance” guarantees that you meet the state’s required car insurance minimums.
If you need an SR-22 form, your car insurance premiums will go up—but that doesn’t mean your insurance costs will become unmanageable.
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To learn all you need to know about SR-22 certificates in Nevada, keep reading!
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What is an SR-22 in Nevada?

In Nevada, an SR-22 certificate is mandatory to reinstate your driver’s license after it has been suspended or revoked due to committing a major traffic offense. Filed by your insurer, the SR-22 offers a “proof of insurance”, guaranteeing that you meet or exceed The Silver State’s minimum liability requirements.
All drivers in Nevada are required by law to carry liability coverage. The state’s mandated minimum insurance requirements are as follows:
  • $25,000 for bodily injury per person
  • $50,000 for bodily injury for more than one person in an accident
  • $20,000 for property damage coverage in an accident
In Nevada, SR-22 certificates are usually required for three years from the date of conviction, but the conviction’s severity can necessitate a shorter or longer term, at the discretion of the Nevada DMV.
If you fail to renew an insurance policy with SR-22 coverage on time in Nevada, or if your coverage lapses at any time, your insurer will notify Nevada’s DMV.
At this point, the DMV will give you ten days to renew your insurance and obtain a new SR-22 form—if you don’t do this, your license will be suspended and your term’s time limit will be reset.
Key Takeaway With SR-22 coverage, make sure you pay your premiums on time every month, or else your license will be suspended and your term may be reset.

Who needs SR-22 in Nevada?

If a driver in Nevada has their license revoked or suspended for any of the following reasons, they will need their insurance carrier to submit an SR-22 form on their behalf for their license to be reinstated:
  • Causing an accident while driving uninsured
  • DUI conviction
  • Caught driving with an insurance policy that’s been expired for 90 days or more
  • Hit and run
  • Reckless driving

How to get an SR-22 certificate in Nevada

You’ll need to follow these steps if you need an SR-22 form filed on your behalf.

Find an insurer

Many insurers won’t file SR-22 forms, as drivers requiring one tend to be labeled high-risk, meaning they’re considered more likely to make a claim. If your current insurer won’t issue an SR-22 form for you, you’ll have to find a carrier that will.
Do your research and find an insurer that files SR-22 certificatesin Nevada.

Pay the SR-22 fee

Once an insurer agrees to file an SR-22 on your behalf, pay the fee so the form can be processed and filed on time. In Nevada, filing fees range from about $15 to $25.

Verify minimum liability coverage

You’ll need to buy liability coverage that meets or exceeds Nevada’s state requirements for your insurer to file an SR-22 form for you.

Submit your SR-22

Once your filing fee is paid, your insurer will file your SR-22 with the Nevada DMV. When the application is confirmed, your insurer will notify you by mail that your SR-22 form has been accepted.
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How much does it cost?

Depending on your insurance provider, your car insurance with SR-22 coverage will cost roughly 10% more in Nevada than a standard, minimum auto insurance policy.
Of course, your rate will depend on several factors as well, including your personal profile, age, driving history, location, and a slew of other factors.
Key Takeaway Each insurance carrier uses a different formula to set rates, so shop around to ensure you find a policy with SR-22 coverage at an affordable price.

How an SR-22 impacts your insurance in Nevada

Your insurance premiums will likely be higher than average for as long as you require SR-22 coverage on your policy. But so long as you finish your SR-22 term without any other offenses, your insurance premiums will decrease once your probation term expires.
Even though you’ll be temporarily dealing with higher premiums, those costs can be eased by shopping around for the best rate amongst carriers offering SR-22 coverage.
Key Takeaway If your insurance has SR-22 coverage, be prepared to pay higher rates than you would with standard car insurance.

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