SR-22 Insurance in Nevada

An SR-22 is a certificate of financial responsibility that the insurer files with the DMV; the insurer must notify the DMV immediately if coverage is dropped. Under the DMV's lapse penalty schedule, an SR-22 must be carried for 3 years after longer lapses (91 days or more for a first or second offense, and any lapse for a third offense within five years). A person whose license is suspended for driving uninsured must keep proof of financial responsibility for 3 years after reinstatement, or the license is suspended again.

Driving without insurance, or without evidence of insurance in the vehicle, is a misdemeanor with a fine of $600 to $1,000 per violation (reduced to $100 for a first violation if the person obtains a policy by sentencing); a court may not convict if the person proves insurance was in effect. Separately, the DMV suspends the registration for any lapse in coverage (Nevada has no grace period) and charges tiered reinstatement fees and fines: for a first offense, $250 for a 1-30 day lapse, $500 for 31-90 days, $750 for 91-180 days (plus 3 years of SR-22), and $1,250 for 181 days or more; second and third offenses within five years cost more (up to $1,750), and a third offense also brings a driver's license suspension of at least 30 days.