Nevada SR-22 Insurance After Your Requirement Ends
Nevada requires 25/50/20 liability coverage and is an at-fault state.
Compare Rates 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
Drivers completing a 3-year SR-22 filing period after a DUI or major violation can expect rates to decrease immediately after the requirement ends, but the underlying violation remains on your driving record for 3-10 years depending on type. Most post-SR22 drivers pay significantly more than standard rates for 1-3 years after filing ends, making carrier selection critical to rate recovery speed.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
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
- Time since SR-22 filing ended — rates drop most significantly in months 6, 12, and 24
- Violation type — DUI convictions keep rates elevated longer than lapse-only filings
- Clean driving during and after SR-22 period — new violations restart the rate recovery timeline
- Carrier selection — some insurers specialize in post-SR22 rate reduction, others do not
- Credit score impact — Nevada allows credit-based insurance scoring, which affects post-SR22 premiums significantly
Shop Again Now That Your Filing Has Ended
Compare Rates 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 injury and property damage you cause to others. Nevada's 25/50/20 minimums are low by regional standards — a serious accident can exceed these limits quickly.
Full Coverage
Combines liability, collision, and comprehensive protection. Essential for financed vehicles and provides maximum protection as your rates recover.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer to prove continuous coverage. Required for 3 years in Nevada after specific violations.
Uninsured Motorist Coverage
Protects you if an uninsured driver causes an accident. Nevada has higher uninsured driver rates than neighboring states, making this coverage valuable.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, weather, and animal strikes. Common claims in Nevada include windshield damage and vehicle theft in metro areas.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident. Required by lenders if you finance or lease your vehicle.