Nevada SR-22 Insurance After DUI or Suspension
Nevada requires 25/50/20 liability coverage and is an at-fault state.
Compare Rates After a ViolationNevada 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
Minimum Coverage Requirements in Nevada
Drivers with DUI convictions, major violations, uninsured accidents, or license suspensions typically must file SR-22 proof of financial responsibility with the Nevada Department of Motor Vehicles for 3 years. SR-22 is not insurance itself—it's a certificate your insurer files to verify you carry at least state minimums. Missing even one premium payment during the SR-22 period triggers insurer notification to the DMV and typically results in immediate license suspension.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured/Underinsured Motorist Coverage
Full Coverage
What Drivers Pay in Nevada
$405–$442/mo
Typical monthly rate in Nevada, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Vehicle type: high-value or high-performance vehicles increase collision and comprehensive premiums significantly
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
SR-22 is a state-mandated filing that proves you carry continuous liability coverage. Your insurer files it electronically with the Nevada DMV and charges a one-time fee of $15–$35. The SR-22 stays active for 3 years, and any lapse triggers immediate license suspension.
Liability Insurance
Covers bodily injury and property damage you cause to others. Nevada's 25/50/20 minimums are the legal floor, but serious accidents can easily exceed these limits, leaving you personally liable for the difference.
Non-Standard Auto Insurance
Specialty carriers that write policies for DUI, suspended license, lapses, and multiple violations. These insurers charge 150–300% more than standard rates but will accept profiles that GEICO, State Farm, and other standard carriers reject.
Full Coverage
Combines liability, comprehensive, and collision. Required by lenders if you're financing or leasing a vehicle. Protects your vehicle's value in addition to covering damage you cause to others.
Uninsured/Underinsured Motorist Coverage
Pays your medical bills and vehicle damage if an uninsured or underinsured driver hits you. Nevada does not require this coverage, but insurers must offer it and you must reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Required by lenders if you're financing a vehicle; otherwise optional.