Nevada SR-22 Insurance & High-Risk Auto Coverage
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
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
Drivers with DUI convictions, multiple at-fault accidents, driving without insurance, or license suspensions typically must file SR-22 proof of financial responsibility with the Nevada Department of Motor Vehicles. SR-22 filing is not insurance itself—it's a certificate your insurer files confirming you carry at least state minimum coverage. Most SR-22 requirements in Nevada last 3 years from the date of reinstatement, and any lapse restarts the clock.
Liability Insurance
SR-22 Insurance
Uninsured 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
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Nevada's 25/50/20 minimum is the legal floor, but a single serious accident can exceed these limits by $50,000–$150,000.
SR-22 Insurance
A certificate filed by your insurer proving you carry continuous coverage. Required after DUI, uninsured accidents, or license suspension in Nevada.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, lapses, suspensions, or multiple violations. Non-standard carriers accept profiles that standard insurers automatically decline.
Full Coverage
Liability plus comprehensive and collision. Required if you finance or lease a vehicle, even with an SR-22 requirement.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if you're hit by a driver with no insurance. Nevada does not require this coverage, but 12–15% of Nevada drivers are uninsured.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused it. Required by lenders if you finance or lease.