SR-22 After DUI
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Nevada DUI SR-22 Insurance After Conviction

Nevada requires 25/50/20 liability coverage and is an at-fault state.

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Nevada 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

Nevada operates under a tort-based liability system, which means the at-fault driver pays for injuries and damages. After a DUI conviction, the Nevada DMV requires you to file and maintain SR-22 proof of financial responsibility for 3 years from your conviction date. Nevada law requires all drivers to carry proof of insurance at all times, and SR-22 filing is mandatory for license reinstatement after DUI suspension.

Bodily Injury Liability

Covers medical expenses, lost wages, and pain and suffering when you injure someone in an accident you cause. Nevada's 25/50 minimum is among the lowest in the nation and can be exhausted by a single emergency room visit. After a DUI conviction, most non-standard carriers require you to carry at least the state minimum, though many DUI education programs recommend 100/300 to avoid personal exposure in a serious crash.

Property Damage Liability

Pays for damage to other vehicles, buildings, fences, or structures you hit.

SR-22 Certificate of Financial Responsibility

The SR-22 is not a separate insurance policy but a filing your carrier submits electronically to the Nevada DMV proving you carry at least minimum liability coverage. If your policy lapses for any reason, the carrier notifies the DMV within 24 hours and your license is suspended immediately until you refile.

Uninsured Motorist Coverage

Nevada law requires carriers to offer uninsured and underinsured motorist coverage at the same limits as your liability policy. You can reject it, but rejection must be documented in writing on a state-approved form at policy inception. Verbal rejection does not count and the coverage is added automatically if the form is not completed.

What Drivers Pay in Nevada

$388–$513/mo

Typical monthly rate in Nevada, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

What Affects Your Rate

  • Ignition interlock device (IID) installation can qualify you for a restricted license during suspension but does not reduce SR-22 insurance premiums in Nevada.
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Get SR-22 Coverage After a DUI

If 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

Frequently Asked Questions

How long do I need SR-22 in Nevada after a DUI?

Nevada requires SR-22 filing for 3 years after a DUI conviction, measured from your conviction date, not the date you reinstate your license. If you wait 6 months to get coverage after conviction, you still owe the full 3 years from the original conviction date, extending your total timeline. Any lapse in coverage during the 3-year period resets the clock and suspends your license immediately.

Can I get SR-22 insurance with a suspended license in Nevada?

Yes — you can purchase SR-22 insurance while your license is suspended, and most carriers allow you to file SR-22 before your reinstatement eligibility date. The Nevada DMV will not reinstate your license until you complete all court-ordered requirements including DUI education, pay all fines and fees, and maintain SR-22 filing, but securing the insurance early avoids delays once you are eligible.

Do all insurance companies in Nevada offer SR-22 filing?

Most major carriers including State Farm, Geico, Allstate, and Progressive will file SR-22 for existing customers after a DUI, but they typically non-renew the policy at the end of the term. New DUI-SR-22 customers are routed to the non-standard market: Bristol West, Dairyland, GAINSCO, The General, and Progressive's non-standard division are the most common SR-22 carriers in Nevada.

Does Nevada require FR-44 or SR-22 after a DUI?

Nevada requires SR-22, not FR-44. FR-44 is a separate filing type used only in Florida and Virginia with higher liability limits than SR-22. If you move from Nevada to Florida or Virginia during your SR-22 period, you must upgrade to FR-44 and notify the Nevada DMV of your out-of-state compliance.

Coverage Types

SR-22 Insurance After DUI

Court-ordered proof of financial responsibility filed electronically by your carrier to the Nevada DMV. Required for 3 years after DUI conviction.

Non-Owner SR-22 Coverage

Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to reinstate their Nevada license after DUI.

Liability Insurance

Covers injuries and property damage you cause to others. Nevada requires 25/50/20 minimum limits, but this amount is exhausted quickly in serious crashes.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when you are hit by a driver with no insurance or insufficient coverage.

Find Your City in Nevada

Las Vegas

urban

Henderson

suburban

Reno

urban

North Las Vegas

suburban

Sparks

suburban

Carson City

urban

Elko

urban

Mesquite

suburban