Nevada Non-Owner SR22 Insurance
Many drivers in Nevada possess a driver’s license without owning a personal automobile. Paying for a full auto insurance plan likely isn’t worth the money, but these drivers can still benefit from liability coverage in the event of an accident. In some cases, the Nevada Department of Transportation (NDOT) may even require you to obtain such coverage.
Non-owner SR-22 insurance proves that your liability insurance meets Nevada’s minimum requirements. Select Insurance Group provides Nevada non-owner insurance coverage for high-risk drivers. Get in touch to discuss your options.
What Is Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance is for drivers who don’t have their own cars but are required by NDOT to obtain liability coverage. An SR-22 is not actually insurance. It’s a form attached to your plan that confirms your liability coverage meets NDOT’s minimum requirements.
Which Drivers Need Non-Owner SR-22 Insurance?
A non-owner SR-22 plan is most often needed in situations where your driver’s license has been suspended. The state will not lift the suspension until you have provided proof of high-risk liability coverage. Nevada typically requires a non-owner SR-22 plan after violations such as:
- Driving without insurance
- Driving under the influence (DUI) or driving while intoxicated (DWI)
- Accumulation of numerous license points
- Failure to pay child support
You can also obtain non-owner SR-22 insurance in Nevada if you frequently borrow a car from someone with whom you do not live.
Nevada’s Non-Owner SR-22 Requirements
If NDOT requires you to obtain non-owner SR-22 insurance, you will need to do so before the state will lift your license suspension. You must maintain your non-owner SR-22 plan for three years. Early cancelation or a lapse in coverage will cause NDOT to suspend your license again and restart the three-year clock.
Your non-owner SR-22 package should include the following coverage at a minimum:
- $25,000 to cover one person’s injuries
- $50,000 to cover two or more people’s injuries
- $20,000 to cover property damage
If you end up purchasing an automobile, you’ll need to upgrade to a standard Nevada SR-22 insurance plan.
How Do I File a Non-Owner SR-22?
You can file a non-owner SR-22 by signing up for a compatible plan with an insurance company that offers it. The provider will complete the form and send it to NDOT on your behalf. If you already have an insurance provider that doesn’t offer non-owner SR-22 insurance in Nevada, you will need to find a new one before filing.
How Much Does Non-Owner SR-22 Insurance Cost in Nevada?
Your monthly non-owner SR-22 insurance rate will depend on your situation. Some factors affecting rates include your age, driving record, zip code and insurance provider. You may also have to pay a fee to the insurance company for filing your non-owner SR-22.
Get a Quote NOW That You Can Trust
Get a free online personalized quote and learn more about coverages, money-saving discounts, and more.
Contact Our Licensed Insurance Agents
Our licensed SR-22 insurance agents are here to answer all your questions and take your application over the phone. Call us at (855) 438-7353.
Why Choose Select Insurance Group?
You can find the best plan for your situation by pulling Nevada non-owner insurance quotes through Select Insurance Group. We have years of experience helping Nevada drivers secure affordable non-owner SR-22 plans that meet all of NDOT’s requirements. For more information, call us at (855) 438-7353 or request a quote online today.
*The information provided on this website has been developed by Select Insurance Group for educational and informational purposes. We do our best to ensure that this information is current and accurate, however the information might not be applicable to all situations. Coverage and rates subject to terms, conditions and availability. Policy issuance is subject to qualifications.