Nevada SR-22 & High-Risk Auto Insurance
Nevada requires 25/50/20 liability coverage and is an at-fault state.
Find Coverage with Points on Your LicenseNevada 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
The Nevada Department of Motor Vehicles mandates SR-22 filing for drivers convicted of DUI, reckless driving, driving without insurance, or accumulating multiple serious violations within a short period. Drivers with violations or accidents that do not trigger SR-22 still face elevated premiums and need to shop carriers willing to write policies with points on record.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
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
- Number of violations: multiple tickets or accidents within 3 years compound rate increases exponentially
- SR-22 filing requirement: not all violations trigger SR-22, but those that do typically double or triple premiums
- License suspension history: drivers reinstating after suspension face elevated rates for 3–5 years
- Credit history: Nevada allows insurers to use credit-based insurance scores, which can further increase rates for high-risk drivers with poor credit
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Nevada's 25/50/20 minimum is the legal floor, but it is rarely sufficient for serious accidents.
SR-22 Insurance
A certificate of financial responsibility filed by your insurer with the Nevada DMV. It proves you carry continuous liability coverage for the required 3-year period.
Uninsured/Underinsured Motorist Coverage
Pays your medical bills, lost wages, and pain and suffering if you are hit by a driver with no insurance or insufficient coverage to pay your claim.
Full Coverage
Bundles liability, collision, and comprehensive insurance. Collision pays to repair your vehicle after an at-fault accident; comprehensive covers theft, vandalism, weather, and animal strikes.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, SR-22 requirements, lapses, suspensions, or multiple violations. Non-standard carriers accept profiles standard insurers decline.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Not required by Nevada law, but mandatory if you have a loan or lease.