Cheap SR22 Nevada Auto Insurance

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An SR-22 is a document, issued by an insurance company, which serves as a driver’s proof of future financial responsibility. It is usually required after a license has been suspended or revoked after a driving offence or violation has been committed by a driver. In Nevada, it must be submitted by a licensed insurance provider to the state DMV.

SR22 insurance

Drivers Who Need Nevada SR22 Insurance

Excessive Tickets

DUI/DWI violation

Driving Uninsured

SR22 insurance

Basically, the document proves that you are currently carrying an insurance policy that meets the minimum coverage requirements of the state. Situations that require the filing of an SR-22 form in Nevada are:

  • Conviction for a DUI
  • Conviction for a DWI
  • Convictions for serious moving violations
  • Accumulation of excessive tickets over a short period of time
  • Unpaid fines

In the event that you are caught and charged for any of the above offences, you would be contacted by the state DMV if an SR-22 filing is required of you. You should also note that even if your license is not suspended or revoked, an SR-22 would be required to be filed if you are caught driving without insurance.

Cost of an SR-22 policy in Nevada

Most providers charge a fee of between $20 and $50 as a processing fee for filing an SR-22 on behalf of a client. Along with the SR-22 filing, an insurance policy is also expected to be purchased if the driver had none before.

This insurance policy is expected to meet certain state-mandated minimums. It is in the insurance premiums on your policy that the financial effect of an SR-22 is reflected.

Being required to file an SR-22 classifies a driver as high risk and this new status accounts for an increase in insurance rates for a convicted driver by an insurance provider.

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Cheap SR22 Car Insurance Nevada

Types of SR-22 forms available in Nevada

  • The owner-operator policy. This is a standard auto insurance policy that covers a driver on his or her personal vehicle. It could be a full coverage or a liability-only policy.
  • Non-owner policy. This is a policy that covers a driver for vehicles he or she doesn’t own. The policy costs less than standard polices but still meets the minimum requirements of the state.
  • Motorcycle policy. This is a standard motorcycle insurance policy with an SR-22 form endorsement.

What to do if you have no car or license

If you have no car but have committed an offence requiring an SR-22 in Nevada, you would be required to file for an SR-22 with the state if you wish to legally drive within the state. Along with the filing, you would also be required to purchase a non-owner policy that meets with the minimum liability requirements of the state.

The same would apply to individuals with a suspended license or with no license at all. To legally drive within the state, you would need to file an SR-22 and purchase an insurance policy.

How to file for an SR-22 in Nevada

Filing of an SR-22 form in Nevada is done through a state-licensed insurance provider. All you have to do is find an insurance provider that files the form if your current provider does not and request for the filing to be done on your behalf.

To facilitate this filing, you would be charged a small fee of between$20 and $50. You would also be required to purchase an insurance policy that meets the minimum liability coverage requirements of the state if you don’t have one. These requirements are:

  • $15,000 bodily injury liability coverage per person
  • $30,000 bodily injury liability coverage per accident
  • $10,000 property damage coverage

If your policy has been confirmed as meeting the state requirements, you can have your insurance provider submit the filing on your behalf. After submission, you are to wait until you receive letters from your insurance provider and the state of Nevada that your SR-22 has been accepted before driving again.

If you are from another state or are moving to another state

If you have an SR-22 from another state and are moving into Nevada, it is important that you maintain the SR-22 from that state and call the Nevada Department of Motor Vehicles to verify whether your SR-22 still meets the Nevada state requirements or if adjustments would have to be made.

The same applies if you have an SR-22 in Nevada but are required to move out of state for whatever reason.

Duration of an SR-22 form in Nevada

While most court-determined SR-22 filing terms in Nevada are set at three years, the minimum and maximum terms for the maintenance of an SR-22 filing within the state are one and five years respectively.

What to do if the SR-22 lapses

Any gap in your insurance coverage, due to whatever reason, is legally required to be reported by your insurance provider through the filing of an SR-26 to the state. To avoid a license suspension, extra penalties and a reset on your SR-22 filing period, you would be required to renew or purchase a valid auto insurance policy within ten days.

All reinstatement and court fees would also have to be paid by you.

How to go about cancelling my filing when I no longer need SR-22 coverage

Once the state-mandated period of maintenance for an SR-22 filing has been completed, you would no longer be required to have the filing on your record or pay increased insurance premiums. To play it safe, contact the state to verify that your mandate has indeed been completed before calling your insurance provider to cancel the filing and make the necessary adjustments to your insurance rates.


Frequently Asked Questions (FAQ)

  • How much is an SR-22 in Nevada?
  • In Nevada, most providers charge a fee of between $20 and $50 as a processing fee for filing an SR-22 on behalf of a client. Along with the SR-22 filing, an insurance policy is also expected to be purchased if the driver had none before. Related: Cheap auto insurance no money down

    SR22 insurance

  • What is an SR-22 in Nevada?
  • An SR-22 is a document, issued by an insurance company, which serves as a driver’s proof of future financial responsibility. It is usually required after a license has been suspended or revoked after a driving offence or violation has been committed by a driver. In Nevada, it must be submitted by a licensed insurance provider to the state DMV. The insurance policy purchased from a provider before the issuance and filing of the form may be colloquially referred to as SR-22 insurance.

    For specific information pertaining to another state in question, please refer to the respective state guides that are more in-depth.

  • How long is an SR-22 required in Nevada?
  • While most court-determined SR-22 filing terms in Nevada are set at three years, the minimum and maximum terms for the maintenance of an SR-22 filing within the state are one and five years respectively.

  • How much is an SR-22 per month?
  • The insurance premium required to be paid by a driver with an SR-22 filing in Nevada could rise by an average of 58% to about $2,489 per annum or $207 per month. It can be further increased in the event that other driving offences are committed during the duration of your mandate.

  • Do I need an SR-22 if I don’t drive?
  • If the state of Nevada requires an SR-22 of you and you don’t currently drive but you have plans to drive in the future, you must file the form with the state. A failure to do so would mean it would be unlawful for you to drive within the state until the form is filed and the mandated filing period is completed.

  • Do you need an SR-22 for a wet and reckless?
  • By itself, a wet and reckless may not require the filing and maintenance of an SR-22 but certain other conditions such as an APS hearing may necessitates the filing. Whatever the case may be, you should be informed by the DMV if you need to file an SR-22 with the state.

  • How long does reckless driving stay on insurance?
  • Reckless driving stays on your record permanently but whatever points were accrued form the conviction would be deleted a year after the conviction was made.

  • How long do I need SR-22 after DUI?
  • In Nevada, an SR-22 is required for three years following a DUI conviction. This time could, however, rise if the offender has previous DUIs on their record or if other violations are committed during the period of maintenance of the original filing.

  • How do you know when your SR-22 is over?
  • You can contact the state to verify that your mandate has been completed and that the SR-22 is no longer needed.

  • How do I get an SR-22 removed?
  • Once the state-mandated period of maintenance for an SR-22 filing has been completed, you would no longer be required to have the filing on your record or pay increased insurance premiums. To play it safe, contact the state to verify that your mandate has indeed been completed before calling your insurance provider to cancel the filing and make the necessary adjustments to your insurance rates.

  • Do I need SR-22 and regular insurance in Nevada?
  • Yes. This is due to the fact that the SR-22 is not an actual policy both rather an endorsement on your insurance policy that your provider files with the state. So, in the event that you have to file an SR-22 without owning a car, you would still be required to buy a non-owner policy. Related: Buy Car Insurance Online