Updated March 2026
State Requirements
Nevada requires minimum liability coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. 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.
Cost Overview
High-risk auto insurance rates in Nevada vary widely based on violation type, driving history, and location. A DUI conviction typically raises premiums by 150–300% for 7 years, while a single speeding ticket (3–4 demerit points) increases rates by 20–40% for 3 years. Drivers with SR-22 requirements or multiple violations often pay $2,200–$4,500 annually, but rates begin to recover as points fall off your record and you maintain continuous coverage without new incidents.
What Affects Your Rate
- Type of violation: DUI convictions increase premiums by 150–300%, while speeding tickets raise rates by 20–40%
- 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
- SR-22 filing requirement: Adds $15–$25 to file but typically doubles or triples underlying premium
- 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
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
