The General Quoted You SR-22 — Now What
You searched "SR-22 insurance Nevada," The General's ad appeared, you filled out the form, and now you're holding a quote for $280 or $320 per month for minimum liability with SR-22 filing. You need to know if that rate is reasonable, whether The General actually files correctly with the Nevada DMV, and what happens if you miss a payment during your 3-year SR-22 period.
The General writes SR-22, non-owner SR-22, and post-DUI coverage in Nevada through their Sentry Insurance subsidiary (AM Best A rating). They market heavily to suspended drivers and process electronic SR-22 filings to Nevada DMV within 1-3 business days of policy effective date. Their rates land mid-tier in Nevada's non-standard market — not the cheapest option for most suspension types, but an accessible carrier when you need coverage immediately and cannot get approved elsewhere.
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Get Your Free QuoteNevada Base Reinstatement Fee
$35
Nevada DMV charges $35 to reinstate your license after completing your suspension period and filing requirements. This is separate from the $75 administrative suspension reinstatement fee if your suspension was triggered by insurance lapse or DUI administrative per se action.
Nevada DMV reinstatement fee schedule
What The General SR-22 Actually Costs in Nevada
The General does not publish rate sheets. Your quoted rate reflects Nevada's minimum liability limits ($25,000 bodily injury per person / $50,000 per accident / $20,000 property damage), your suspension trigger (DUI, points accumulation, uninsured driving, or lapse), your age, your county, and your prior insurance history. Most Nevada suspended drivers see quotes between $180 and $320 per month for minimum liability plus SR-22 filing through The General.
The General charges a one-time SR-22 filing fee set by the carrier — typically between $15 and $50 in Nevada, paid at policy inception. This fee covers the electronic submission to Nevada DMV. The carrier does not charge additional fees to maintain the filing during your 3-year period as long as your policy remains active.
Rate increases happen when you miss a payment, add a moving violation during the SR-22 period, or allow coverage to lapse even for one day. Nevada DMV receives immediate electronic notification when your policy cancels or lapses — the SR-22 filing terminates the same day, your suspension clock resets, and you face an additional $75 administrative reinstatement fee on top of the base $35 fee when you refile.
The General is not the cheapest SR-22 carrier in Nevada — Bristol West, Dairyland, Progressive, and National General often quote $40–$80/month lower for identical coverage and suspension triggers.
How The General Files SR-22 in Nevada
When you purchase a policy, The General submits an SR-22 certificate to Nevada DMV electronically identifying you by name, driver's license number, and policy number. Nevada DMV cross-checks the filing against your suspension record. If your suspension requires additional conditions — DUI education completion, ignition interlock device installation, unpaid fines clearance, or court order compliance — the SR-22 filing alone does not lift your suspension. You must satisfy every reinstatement condition before Nevada DMV restores your license.
The General maintains your SR-22 filing for 3 years from the date Nevada DMV receives it, as long as your policy remains active and paid. If you cancel your policy before the 3-year period ends, The General files an SR-26 termination notice with Nevada DMV the same day. Your suspension reinstates immediately, your 3-year clock resets to day one when you refile, and you pay the $75 administrative reinstatement fee again. There is no grace period — one day of lapse triggers full reset.
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Cheaper SR-22 Options in Nevada
Bristol West, Dairyland, and Progressive write SR-22 in Nevada for the same suspension triggers The General covers — DUI, points accumulation, uninsured driving, and lapse. Bristol West typically quotes $140–$240/month for minimum liability plus SR-22 in Clark and Washoe counties for first-DUI drivers under 40. Dairyland quotes $160–$280/month for the same profile. Progressive quotes $150–$260/month and offers online quote submission without broker requirement.
National General (now owned by Allstate) writes post-DUI SR-22 in Nevada and often quotes $20–$50/month below The General for drivers with one DUI and no additional violations. Geico writes SR-22 but restricts approval to drivers whose only violation is the triggering event — if you accumulated points or moving violations before your suspension, Geico typically declines.
Non-owner SR-22 policies cost $40–$80/month through Bristol West, Dairyland, or Progressive when you do not own a vehicle but need to satisfy Nevada's SR-22 requirement for reinstatement. The General writes non-owner SR-22 but quotes $60–$100/month for the same coverage — functionally identical filing, higher premium. If you do not currently own a car and will not drive regularly during your 3-year SR-22 period, non-owner coverage through Bristol West or Dairyland saves $480–$720 annually compared to The General.
Nevada SR-22 Filing Period
3 years
Nevada requires SR-22 filing for 3 years from the date the DMV receives your certificate, measured continuously — any lapse restarts the clock at day one. This applies to DUI, reckless driving, uninsured violations, and most administrative suspensions.
Nevada Revised Statutes 485.3792
What Happens If You Cancel The General Mid-Filing
Canceling your policy before 3 years terminates your SR-22 filing immediately. The General files an SR-26 notice with Nevada DMV the same day your policy cancels — whether you canceled voluntarily or the carrier canceled for non-payment. Nevada DMV suspends your license again without additional notice. You cannot drive legally from the moment the SR-26 processes.
When you reinstate after cancellation, you pay $75 administrative reinstatement fee, purchase a new SR-22 policy, and restart your 3-year filing period from scratch. If you originally had 18 months remaining on your filing and you lapse for two weeks, you now owe 36 months from the new filing date. Nevada does not prorate or credit time served. Switching carriers mid-filing avoids this consequence only if you maintain continuous coverage — the new carrier files a replacement SR-22 before the old policy cancels, creating zero-day gap.
Compare Before You Commit
The General provides legitimate SR-22 filing and meets Nevada's requirements, but you are not obligated to accept the first quote you receive. Request quotes from Bristol West, Dairyland, Progressive, and National General for your suspension trigger and county. Provide identical coverage limits and effective date to each carrier — comparison only works when inputs match. Nevada's non-standard market spreads rates across a $100/month range for identical drivers and coverage. The carrier charging $180/month files the same SR-22 certificate as the carrier charging $280/month. Compare, then choose the lowest rate that meets your filing requirement and offers monthly payment terms you can sustain for 3 years without lapse risk.