Nevada SR-22 & High-Risk Auto Insurance Guide
Nevada requires 25/50/20 liability coverage and is an at-fault state.
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Nevada 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
SR-22 filing is triggered by DUI convictions, driving without insurance, reckless driving, accumulating 12 or more demerit points in 12 months, or refusing a chemical test. Most drivers with speeding tickets or single at-fault accidents do not require SR-22 but will see premium increases based on Nevada's demerit point system, where points remain on your record for one year from the conviction date.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$405–$442/mo
Typical monthly rate in Nevada, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Number of demerit points: Nevada drivers with 8–11 points face steeper increases than those with 3–5 points
- Location: Las Vegas and Reno have higher rates due to accident frequency and uninsured driver rates
- Time since violation: Rates decrease annually after 3 years for most violations and 7 years for DUI
- Carrier type: Non-standard insurers like Bristol West and Acceptance often offer better rates than standard carriers for high-risk profiles
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 stay on your record in Nevada?
Nevada requires SR-22 filing for 3 years from the date of reinstatement or conviction, as determined by the DMV. If your policy lapses at any point during the 3-year period, your license is suspended immediately and the 3-year clock restarts from the new filing date. After 3 years of continuous coverage without lapses, the SR-22 requirement is lifted and your rates begin to normalize.
How long do points stay on your driving record in Nevada?
Demerit points in Nevada remain on your driving record for one year from the date of conviction. Points do not accumulate indefinitely—only violations within the past 12 months count toward the suspension threshold of 12 points. Insurance companies may consider violations for 3–5 years when calculating premiums, so your rates will remain elevated even after points fall off your DMV record.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Nevada minimums are 25/50/20, but high-risk drivers should consider 50/100/50 or higher to reduce personal exposure and meet non-standard carrier requirements.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Nevada DMV. Required for 3 years following DUI, uninsured driving, or accumulating 12+ points in 12 months.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Covers medical bills, lost wages, and vehicle damage when the at-fault driver cannot pay.
Full Coverage
Combines liability, collision, and comprehensive insurance to protect both you and your vehicle. Required by lenders for financed or leased vehicles.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI convictions, lapses, suspensions, or multiple violations. Non-standard carriers accept higher-risk profiles that standard insurers decline.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Required by lenders and critical for protecting vehicle value.