Nevada SR-22 & High-Risk Auto Insurance
Nevada requires 25/50/20 liability coverage and is an at-fault state.
Find Carriers That Accept PointsNevada 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 convicted of DUI, driving without insurance, causing serious injury while uninsured, or accumulating excessive points typically face SR-22 filing requirements in addition to standard coverage minimums. SR-22 is not a separate insurance policy but a certificate your carrier files with the Nevada DMV proving you maintain continuous coverage. If your policy lapses during the SR-22 period, your insurer notifies the DMV immediately and your license suspension is reinstated.
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
What Affects Your Rate
- Non-standard carriers in Nevada such as The General, Alliance United, and Bristol West offer competitive rates for high-risk profiles
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Nevada's 25/50/20 minimum may not cover all damages in a serious accident, leaving you personally liable for the difference.
SR-22 Insurance
A certificate filed by your insurer proving you maintain continuous coverage. Required after DUI, serious violations, or uninsured driving in Nevada.
Non-Standard Auto Insurance
Policies designed for drivers with violations, suspensions, or DUIs. Non-standard carriers accept high-risk profiles that standard insurers decline.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if you're hit by a driver with no insurance. Not required in Nevada but highly recommended.
Full Coverage
Combines liability, collision, and comprehensive coverage. Protects both your liability to others and your own vehicle against damage or theft.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders if you finance or lease your car.