Official Nevada Guide

Nevada SR-22 Insurance

A complete roadmap to satisfying Nevada DMV requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/20

$25k BI / $50k Total / $20k PD

Mandate Term

3 Years

Standard from date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Nevada SR-22 Filing Works

In Nevada, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Nevada Department of Motor Vehicles (DMV). It serves as legal evidence that you carry the state-mandated minimum liability insurance (25/50/20) required to restore and maintain your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license and may reset your 3-year filing period in Nevada.

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Who Needs to File in NV?

DUI Conviction: Operating a motor vehicle while under the influence of alcohol or controlled substances.
No-Insurance Violation: Failure to provide proof of valid liability insurance when requested by law enforcement or the DMV.
Safety Responsibility: Being involved in an accident causing injury or property damage without insurance.
License Revocation: Any administrative hold or court order requiring proof of financial responsibility for reinstatement.

Don't Own a Car in Nevada?

You can still get reinstated! A Nevada Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow. It satisfies the Nevada DMV requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The NV Reinstatement Timeline

Verify Eligibility

Access the Nevada DMV 'MyDMV' portal to confirm your reinstatement date and specific outstanding requirements.

Secure SR-22

Purchase a policy with 25/50/20 limits. Your carrier will electronically transmit the certificate to the DMV in Carson City.

Pay Reinstatement Fee

Pay the mandatory fees (ranging from $75 to $120) online, via kiosk, or at a DMV field office to clear the hold.

Status Valid

Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Nevada:

First Offense

Suspension Extension

Court Fines

Up to $1,000 + Court Costs

SR-22 Period

3-Year Clock Resets

Legal Risk

Possible Vehicle Impoundment

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Nevada Filing FAQs

How much is the filing fee in Nevada?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the Nevada DMV. This is separate from your monthly premium.

Can I drive out of state with a NV SR-22?

Yes. Your Nevada SR-22 is valid nationwide. You must simply maintain the Nevada-specific limits (25/50/20) to remain compliant with state law.

What is the difference between SR-22 and regular insurance?

An SR-22 is not insurance itself; it is a certificate of financial responsibility attached to your policy that notifies the DMV if your coverage lapses.

Can I get a Non-Owner policy in NV?

Yes, Nevada allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Nevada law requires insurers to notify the DMV immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, contact the Nevada DMV to confirm the requirement is fulfilled. You can then instruct your insurer to remove the filing.

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