SR-22 in Nevada: What You Need to Know

In Nevada, you’ll need your insurer to file an SR-22 form to reinstate your driver’s license after a severe driving violation.
Written by Jason Tushinski
Reviewed by Kathleen Flear
, if you’re convicted of a serious driving violation, you’ll be considered a
high-risk driver
and your insurance provider will need to file an
SR-22 form
on your behalf. This "proof of insurance" guarantees that you meet the state’s required car insurance minimums.
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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
to carry
liability coverage
. The state’s mandated minimum insurance requirements are as follows:
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 insurance 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
  • 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.
1. Find an insurer
Some 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 certificates in Nevada.
2. 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.
3. 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.
4. 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 SR-22 insurance 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.
Need to know: If you need to file a Nevada SR-22 form but you don't have a vehicle, look into

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.
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