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What Happens to Your Nevada Auto Insurance After a DUI

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

After a DUI or serious violation in Nevada, most insurers will non-renew your policy rather than cancel it immediately—meaning your coverage continues until your renewal date, typically 30–90 days out. The Nevada Department of Motor Vehicles typically requires you to maintain an SR-22 filing for 3 years following certain offenses, and not all carriers offer this filing. You'll need to switch to a non-standard auto insurance carrier that specializes in high-risk drivers, and your premiums will reflect the increased risk tier.

SR-22 Certificate Filing

An SR-22 is not a type of insurance—it is a certificate your insurer files with the Nevada DMV proving you carry at least the state minimum liability coverage. Not all carriers offer SR-22 filings; you must use a provider licensed to file in Nevada.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers—those with DUIs, violations, lapses, or suspensions on their record. Most non-standard carriers in Nevada offer SR-22 filing as part of the policy.

Liability Insurance

If you're required to carry an SR-22, you must maintain at least these minimums continuously for the entire filing period—any lapse triggers a license suspension and restarts the 3-year clock.

High-Risk Auto Insurance

High-risk auto insurance is designed for drivers with DUIs, multiple violations, accidents, or other serious infractions. These policies may include higher deductibles, limited coverage options, or payment plans designed for drivers rebuilding their record. Many high-risk carriers in Nevada will file the SR-22 on your behalf and monitor compliance throughout the required period.

Comprehensive and Collision Coverage

If you lease or finance your vehicle, your lender will still require comprehensive and collision coverage even after a violation. These coverages protect the vehicle itself and are separate from the SR-22 filing, but they add to your total premium cost. Expect higher deductibles and premiums in the non-standard market.

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

  • Prior driving history: a first-time DUI with an otherwise clean record may qualify for lower-tier high-risk rates; multiple violations compound the increase
  • Vehicle type: high-value or high-performance vehicles increase premiums further in the non-standard market due to elevated repair and liability risk
  • Carrier availability: Nevada has fewer non-standard carriers in rural areas, reducing competition and increasing rates outside the Las Vegas and Reno metro areas
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Get Back to a Fair Rate After a Violation

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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, suspensions, or serious violations who cannot qualify for standard-market policies. These carriers specialize in SR-22 filings and compliance monitoring.

Non-Standard Auto Insurance

Policies for drivers who fall outside standard underwriting guidelines due to violations, lapses, or accidents. Often the only option immediately following a DUI or serious offense.

SR-22 Insurance

Not a separate policy, but a filing attached to your existing liability coverage that proves compliance to the Nevada DMV. The filing must remain active for the full required period.

Liability Insurance

Covers bodily injury and property damage you cause to others in an accident. Required by law and necessary to maintain an SR-22 filing in Nevada.

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