Nevada SR-22 Insurance After Your Requirement Ends
Nevada requires 25/50/20 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Nevada at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$250
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Nevada
The Nevada Department of Motor Vehicles typically mandates SR-22 filing for DUI convictions, license suspensions for point accumulation, at-fault accidents without insurance, and repeated violations. Drivers completing their SR-22 period must understand that the filing requirement ending does not automatically remove the underlying violation from their record — DUIs remain visible for 7 years in Nevada, affecting rates even after SR-22 compliance ends. Post-SR22 drivers gain access to standard carriers that were previously unavailable, but proactive shopping is essential as rates do not automatically decrease.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Full Coverage (Comprehensive + Collision)
SR-22 Certificate of Financial Responsibility
What Drivers Pay in Nevada
$321–$513/mo
Typical monthly rate in Nevada, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Type of violation that triggered SR-22 (DUI carries longer rate impact than lapse)
- Clean driving record during and after SR-22 period (no new violations accelerates recovery)
- Credit score in Nevada (state allows credit-based insurance scoring, significantly affects post-SR22 rates)
- Carrier competition for post-SR22 business (shopping 4–6 standard carriers yields lowest rates)
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
24/7 Restricted License (NRS 484C.392)
A restricted license is available while suspended.
A coverage lapse is reported
The state acts on a lapse after 0 days.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an accident. Nevada requires 25/50/20 minimums, but post-SR22 drivers should carry 100/300/50 to protect assets and demonstrate financial responsibility to standard carriers.
Full Coverage (Comprehensive + Collision)
Protects your vehicle from accident damage (collision), theft, vandalism, and weather events (comprehensive). Not state-required but mandatory for financed vehicles.
Uninsured/Underinsured Motorist Coverage
Covers your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage. Nevada requires insurers to offer it at 25/50 minimums.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Nevada DMV proving continuous coverage. Required after DUI, uninsured accidents, or license suspensions.
Comprehensive Coverage
Covers non-collision damage to your vehicle including theft, vandalism, fire, hail, and animal strikes. Sold with a deductible, typically $500–$1,000.
Non-Standard Auto Insurance
Coverage for drivers with violations, suspensions, or SR-22 requirements who cannot qualify for standard carriers. Rates run 50–150% higher than standard market.