You may have searched for cheap SR22 Nevada insurance if you were recently required to obtain SR22 insurance. You should be aware that there is no Nevada SR22 insurance. An SR22 policy is not an insurance policy.
An SR-22 does not confirm that you meet the minimum requirements for your state’s car insurance. It may be something you have heard about, or something similar to it like an SR-50 and an FR-44. We’ll go over the cost implications of having a DMV requirement on a record, no matter what one it is.
What is “SR-22 insurance?”
Nevada’s SR22 is not insurance. SR-22s in Nevada are not insurance. They are just validation to the DMV that your state has met or exceeded its insurance requirements. Nevada currently requires that all drivers have a 25/50/20 insurance policy. Your insurance company must provide coverage for up to:
- $25,000 per person to cover bodily injury/death
- $50,000 for bodily injury/death
- Property damage: $20,000 per accident
The DMV will require you to have a minimum of a 25/50/20 policy if you have an SR-22 requirement. You will still need to fulfill the SR-22 requirement if you buy greater coverage.
The DMV of Nevada can order a Nevada SR22. A court may also order it. It doesn’t matter where the order is made, your insurance company will send the SR22 to DMV.
SR-22 Nevada alternatives
You have no other options if Nevada has ordered you to send an SR22 to the DMV. Your insurance provider must immediately send you an SR22 if you want to drive and keep your license.
If you are coming from another state, however, you might need one of these forms:
| Form | Issued by the States | Minimum requirements for insurance |
|---|---|---|
| SR-22 | All other states, except Delaware, Kentucky and Minnesota. | Standard liability. Click here to see a complete list of the minimum insurance requirements for each state. |
| SR-19 | California and Texas | Standard liability |
| SR-21 | Florida, Georgia, Indiana | Standard liability |
| SR-22A | Georgia, Texas and Missouri | Standard liability must be paid, but six months of insurance must also be paid. |
| FR-44 | Florida, Virginia | Double liability |
| SR-50 | Indiana | Standard liability |
- SR-19 California and Texas both use SR-19s. However, the requirements for each are different.
- SR-21 This document is required by some states to confirm that you had car insurance prior to an accident. SR-21s are often required after an accident that causes bodily injury, death or property damage exceeding $1,000.
- SR-22A An SR-22A is a standard SR-22. However, an SR-22A requires that drivers prepay 6 months insurance at a given time.
- FR-4: This is similar to an SR-22 because it shows proof to the DMV that a driver has insurance. However, it often requires double liability protection, unlike an SR-22.
- SR-50 In Indiana, an SR-50 is used to prove financial responsibility. Indiana requires SR-50s if a driver has been involved in certain driving incidents.
Non-owner SR-22
You can purchase a non-owner policy if Nevada considers you a high-risk driver, but you don’t have a car. This will allow you to keep your license and satisfy the SR-22 requirement.
Non-owner policies are often less expensive than standard policies because you don’t actually insure any one car. This policy is a good choice if you rent or borrow a car often.
FR-44 Nevada
Although Nevada doesn’t administer FR44 requirements, if one has been issued in Virginia or Florida, the requirement must be met for the entire time period. You must pay double liability, and your insurance provider must send a copy to the DMV every month. You could lose your vehicle registration and license if you don’t.
SR-22 Nevada insurance costs
Most likely, your insurance company will charge you a filing fee to send an SR22 back to the DMV. While rates vary from provider to provider, you can expect to pay anywhere between $15 and $35.
An SR-22 requirement can also increase your insurance costs. However, it all depends on the citation. Even if you have a clean record, an SR22 may not be required. Progressive claims that the national average is only a 5% rise. You can expect to pay higher if your coverage has been lapsed for a long time or you have been convicted of a DUI.
SR-22s by themselves don’t raise insurance costs. It is the driving record behind the SR-22, that increases insurance costs.
FAQ
What length of time do I need to keep my SR-22 in Nevada active?
You must get an SR-22 from your Nevada insurance provider each month for the next three years if you have been given an SR-22. You could lose your vehicle registration and license if you fail to do so.
How can I obtain SR-22 insurance for Nevada?
A national insurance provider is the best option for finding an insurance company that will send an SR22 to Nevada. Although a smaller company might be willing to provide SR22 coverage for a driver who needs it, many others do not. This is why a national insurance provider will be your best bet. (Read The Best Car Insurance Companies in 2021
If you have insurance and have been required to provide an SR22 by the DMV, all you need to do is call your insurance company to request one. Simply because you have an SR22 obligation, it doesn’t mean that you need to change providers.
What is the cost of SR-22 insurance in Nevada?
There are different filing fees for different providers. Expect to pay $15-$35.
The reason an SR-22 requirement was put in place can have a different impact on the cost. For example, a DUI can cost more than twice what you would pay monthly.
What happens if I move to another state?
Yes. No matter where you live, you are still required by SR-22 to comply for three years.
What happens if my insurer cancels my policy?
You will need to find another provider. You may lose your vehicle registration and license.