Penalties for Driving Without Insurance in Nevada

It is against the law to drive without proper car insurance coverage on the streets of Nevada, and any offense would be considered a misdemeanor. Depending on the number of days of your insurance coverage lapsed, you face a financial penalty that may escalate from $250 to $1,000, and license reinstatement costs that can rise from $250 to $750. The state of Nevada also has three tiers of offenses for driving uninsured, with varying consequences. It is much easier to buy a Nevada auto insurance policy than to face the penalties as well as the consequence of a spotted driving record. 

Penalties for Driving Uninsured in Nevada

As a Nevada driver, you are required to have liability coverage with the minimum 15/30/10 coverage amounts, whenever you hit the road. You can be caught driving without insurance either through the DMV's regular system checks, and on the road by a patrol or police officer. We’ve broken down Nevada’s tiered system of penalties, which varies by the duration of insurance lapses and the number of prior insurance violations committed. 

Nevada’s Verification Program and Law Enforcement 

The Nevada DMV will be able to find out if motorists are following insurance requirements through its Liability Insurance Validation Electronically (LIVE) system. Once your car is identified as a possible uninsured vehicle, you will be sent a notice asking you to clarify the status of your policy. You should reply with a Verification Response form within 15 days. Furthermore, any police officer stopping you for a traffic checkpoint has the power to request your proof of insurance and verify its status with the LIVE system. A proof can be a valid insurance ID card or the declaration page of your active policy.

LIVE validates the liability insurance status of every registered motor vehicle through state-licensed insurance carriers. It will also determine how many days your insurance has been lapsed for, including the days before you are first cited.

First Offense

If it’s your first lapse on your coverage, you should know that Nevada has varying degrees of fines for the number of days you have gone uninsured. Your first 30 days of insurance lapse will cause you to lose your driving privilege, but goes without any fine. For a 31 to 90 days of lapse, you will be charged $250; for 91 to 180 days of lapse, you will be charged $500; and for 181 days or more, your fine goes up to $1,000.

Your license will be suspended until you can send acceptable proof of insurance to the DMV. If your conviction is for a lapse beyond 91 days, you will also be required to submit an SR- 22 (filed by your insurer) in order to reinstate your driving privilege. You should maintain your SR-22 for at least three years. 

First Offense & Lapse1 - 30 Days31 - 90 Days91 - 180 Days181 Days+
Fine N/A $250   $500  $1,000
Driving Privilege Suspended until proof of insurance is provided Suspended until SR-22 filed
Reinstatement Fee $251 $251
SR-22 N/A Maintain for 3 years

Second Offense

Repeating the violation within five years after your first conviction will lead to stiffer monetary repercussions. For this second round, you will be fined $500 if you have gone 31 to 90 days uninsured, $500 if you have gone 91 to 180 days uninsured; and $1,000 if you have gone 181 days or more uninsured. As in your first offense, your license will be put on hold until you can purchase the exact liability coverage required by the State and present it to the DMV. An SR-22 filed by your insurer is necessary if your lapse is more than 90 days.

Second Offense & Lapse1 - 30 Days31 - 90 Days91 - 180 Days181 Days+
Fine N/A $500  $500  $1,000
Driving Privilege Suspended until proof of insurance is provided Suspended until SR-22 filed
Reinstatement Fee $501 $501
SR-22 N/A Maintain for 3 years

Third Offense

A third and (any subsequent) violation to the Nevada insurance law tags you as a habitual offender. This will result in heavier financial damage, especially if you’ve repeated the offense within 5 years of your previous convictions. If you are caught having gone without insurance for 31 to 90 days, you get fined $500; for having gone without insurance for 91 to 180 days, $750; and $1,000 for having gone without insurance for 181 days onward.

Your license will be on mandatory suspension for 30 days. Even if you have secured proof of insurance before your 30th day is up, you will have to complete your suspension period before you can reinstate your driving privileges. 

On your third offense, SR-22 is required regardless of the number of days your insurance lapsed. The DMV will order you to maintain an SR-22 for three years without lapses on your current policy premium payments. Failure to do so will add another three years to your SR-22 requirement.

Third Offense1 - 30 Days Lapse31 - 90 Days Lapse91 - 180 Days Lapse181 Days + Lapse
Fine N/A $500  $750 $1,000
Driving Privilege Suspended for at least 30 Days, regardless of number of days insurance has lapsed
Reinstatement Fee $751
SR-22 Maintain for 3 years

License Reinstatement Requirements

As soon as you’ve secured your proof of insurance or your SR-22 proof of future financial responsibility, you may begin the process of reclaiming your driving privileges. The reinstatement fee for first time offenders is $250 plus a $1 technology fee. For second time offenders, restoration will cost you $500 plus $1 technology fee. And finally, third time habitual offenders will be charged a $750 reinstatement fee plus a $1 technology fee. Apart from these expenses, you will also need to accomplish other reinstatement prerequisites. You must fill out and file a notarized Declaration of Responsibility with the DMV.

Re-applying for an Auto Insurance in Nevada

After all those penalties and financial hurdles, perhaps the biggest pitfall of having allowed your auto insurance to lapse in Nevada is the fact that this leaves a dent on your driving record. This labels you as a high-risk driver. More often than not, you would be the kind of motorist insurance companies wouldn’t want to cover. If you’re shopping for an insurance policy and running into this dilemma, the Nevada Automobile Insurance Plan (NV AIP) may a last resort for you to comply with the laws.

Nevada Department of Motor Vehicles: Penalties
Nevada Legislature: Proof required before reinstatement

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