Nevada License Reinstatement & SR-22 Requirements
Nevada requires 25/50/20 liability coverage and is an at-fault state.
Free to compare
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
State Requirements
Nevada operates as a tort state, meaning at-fault drivers are financially responsible for damages they cause. The state requires all drivers to carry proof of insurance and enforces compliance through the Nevada Insurance Verification System, which cross-references DMV registration data with active policies. Failure to maintain continuous coverage triggers automatic license suspension and requires SR-22 filing to reinstate, according to the Nevada Department of Motor Vehicles.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Non-Owner SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Cost Overview
$321–$513/mo
Typical monthly rate in Nevada, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Line Up Coverage Before Your License Comes Back
Get Back on the RoadIf 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
Do I need car insurance if my license is suspended in Nevada?
Yes, in most cases. Nevada requires you to maintain continuous liability insurance even during suspension, and the DMV's automated verification system will extend your suspension if coverage lapses. If your suspension was due to driving without insurance, a DUI, or accumulating excessive points, you must obtain SR-22 insurance before the DMV will consider reinstatement.
Can I get a hardship license in Nevada while my license is suspended?
Nevada does not offer a formal hardship or restricted license program for most suspensions. However, drivers with DUI suspensions may be eligible for a restricted license after completing DUI school and installing an ignition interlock device, allowing limited driving to work, school, medical appointments, and court-ordered programs. Eligibility and terms are determined by the Nevada DMV on a case-by-case basis.
How long do I have to keep SR-22 insurance in Nevada?
Nevada requires three years of continuous SR-22 filing for most major violations including DUI, reckless driving, and uninsured driving. The three-year period begins on the date of reinstatement, and any lapse in coverage — even one missed payment — triggers automatic license re-suspension and restarts the entire three-year clock. Your insurer will notify the DMV electronically if your policy cancels.
Does Nevada check insurance automatically when I register my car?
Yes. Nevada operates an automated Insurance Verification System that cross-references DMV registration data with active insurance policies reported by insurers. If the system detects a lapse in coverage, the DMV automatically suspends your registration and driving privileges and notifies you by mail. To avoid suspension, you must maintain continuous proof of insurance from the date of registration through the entire registration period.
Coverage Types
SR-22 Insurance
A certificate your insurer files with the Nevada DMV proving you carry minimum liability coverage. Required for reinstatement after DUI, reckless driving, uninsured accidents, or accumulating 12+ points.
Non-Owner SR-22
Liability coverage for drivers without a vehicle who need SR-22 filing to reinstate their license. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers bodily injury and property damage you cause to others. Nevada requires 25/50/20 minimums, but one serious accident in Las Vegas can generate claims exceeding $200,000.
Uninsured Motorist Coverage
Protects you when an at-fault driver lacks insurance or sufficient coverage. Not required but must be offered by all Nevada insurers.
Non-Standard Auto Insurance
High-risk policies for drivers with DUI convictions, multiple accidents, license suspensions, or SR-22 requirements. Provides state-minimum coverage at elevated premiums.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal collisions. Optional unless required by a lender for financed vehicles.