COUNTRY Financial provides the cheapest SR-22 insurance in Nevada at $169 monthly for minimum coverage and $274 for full coverage, about 44% below the state's average rates. Keep in mind these rates represent 40-year-old drivers with a DUI on record. Travelers, American Family, State Farm and Progressive might offer better rates for your specific situation.
Cheapest SR-22 Car Insurance in Nevada
Updated: September 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
COUNTRY Financial provides the most affordable SR-22 insurance in Nevada, with premiums averaging $169 per month or $2,023 per year.
SR-22 insurance in Nevada costs drivers an average of $266 monthly for minimum coverage and $501 per month for full coverage.
Nevada requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $20,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Nevada
| COUNTRY Financial | $169 | $274 | -44% |
| Travelers | $171 | $299 | -40% |
| State Farm | $241 | $440 | -13% |
| Progressive | $250 | $589 | 7% |
| American Family | $269 | $408 | -14% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in Nevada by Category
COUNTRY Financial leads SR-22 coverage in Nevada, winning six out of seven categories with monthly rates starting at $149. While it dominates most driver categories, Travelers offers the most affordable option for young drivers with suspensions at $178 per month.
| Most Drivers Needing a SR-22 | COUNTRY Financial | $169 | $274 |
| Young Drivers With a Suspension | Travelers | $178 | $316 |
| Senior Drivers With a Suspension | COUNTRY Financial | $166 | $265 |
| Drivers With Multiple Speeding Tickets | COUNTRY Financial | $159 | $262 |
| Drivers With Racing Violation | COUNTRY Financial | $165 | $269 |
| Drivers With Hit-And-Run Accident | COUNTRY Financial | $167 | $272 |
| Drivers With Other Violations | COUNTRY Financial | $149 | $245 |
* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.
Cheapest Personalized SR-22 Car Insurance in Nevada
Our analysis shows general winners for common categories, but finding the cheapest insurance depends on your unique profile. The table below ranks the five most affordable providers based on age, gender, coverage level, credit and driving history.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Travelers | $409 | $4,907 | -54% |
| Allstate | $748 | $8,978 | -17% |
| AAA | $799 | $9,587 | -11% |
| GEICO | $892 | $10,707 | 0% |
| Farmers | $1,053 | $12,638 | 18% |
Cheapest SR-22 Car Insurance in Nevada by City
Travelers offers the most affordable SR-22 car insurance across Nevada cities, with rates starting at $71 per month in Imlay. You can review its rates for other major cities in Nevada below.
| Carson City | Travelers | $95 |
| Henderson | COUNTRY Financial | $173 |
| Imlay | Travelers | $71 |
| Las Vegas | COUNTRY Financial | $193 |
| North Las Vegas | COUNTRY Financial | $201 |
| Pahrump | COUNTRY Financial | $133 |
| Reno | Travelers | $109 |
| Sparks | Travelers | $109 |
| Wells | Travelers | $83 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Nevada
Travelers is the best car insurance provider for SR-22 filing in Nevada because it offers the strongest balance of affordable rates, quality customer service and useful coverage options, earning it the highest overall MoneyGeek score. For a thorough comparison, also consider COUNTRY Financial, State Farm, American Family and Progressive in your search.
| Travelers | 4.82 | 2 | 1 | 4 |
| COUNTRY Financial | 4.37 | 1 | 10 | 4 |
| State Farm | 4.17 | 4 | 3 | 6 |
| American Family | 4.16 | 3 | 5 | 6 |
| Progressive | 4.10 | 5 | 2 | 2 |
Travelers
Best Overall for SR-22 Insurance in Nevada
4.9/5Affordability
5/5Customer Experience
3.7/5Coverage Options
Average Monthly Full Coverage Cost
$299For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$171For minimum state coverage for drivers filing an SR-22Best For
Young Drivers With a Suspension
How Much Is SR-22 Car Insurance in Nevada?
SR-22 car insurance in Nevada costs $3,190 annually for minimum coverage and $6,006 per year for full coverage policies. Nevada ranks 39th in affordability for minimum coverage and 37th for full coverage nationwide. Monthly rates can range from $154 to $1,304, depending on your driver profile.
| Minimum Coverage | $266 | $3,190 | 51% |
| Full Coverage | $501 | $6,006 | 50% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Nevada City
Our analysis shows Imlay offers Nevada's most affordable SR-22 insurance at $129 monthly, while Las Vegas rates average $325 per month. Below you can review costs for major cities in the state for both full and minimum required coverage policies.
Data filtered by:Results filtered by:
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Coverage Type:Minimum Coverage
| Carson City | $148 | $1,779 |
| Henderson | $281 | $3,372 |
| Imlay | $129 | $1,543 |
| Las Vegas | $325 | $3,904 |
| North Las Vegas | $320 | $3,836 |
| Pahrump | $218 | $2,619 |
| Reno | $170 | $2,044 |
| Sparks | $175 | $2,100 |
| Wells | $133 | $1,594 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Nevada SR-22 Insurance Requirements
To comply with Nevada laws, you must carry these minimum liability limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $20,000 property damage liability per accident
In the state, SR-22 certificates are usually required for three years. This period can extend beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.
TYPES OF SR-22 FILINGS
Nevada drivers can choose a comprehensive solution through an SR-22 Operators-Owner Certificate. This joint filing combines traditional and non-owner policies, providing coverage whether you're driving your own car or someone else's vehicle. This option proves particularly useful for drivers who regularly operate multiple vehicles.
Other Nevada SR-22 Insurance Laws and Regulations
Nevada drivers need more than just an SR-22 filing to comply with state insurance laws, as additional regulations govern vehicle coverage requirements.
- First offense: requires three years of SR-22 coverage
- Second offense within five years: adds a one-year license suspension plus continued SR-22 requirement
- Third offense within five years: results in a three-year license suspension with ongoing SR-22 requirement
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in Nevada range from $15 to $50, while license reinstatement fees cost between $35 and $120, based on your violation type. Nevada offers payment plans if your total fees exceed $100.
Coverage Lapses and Cancellations
Your insurance company must notify the Nevada DMV if your SR-22 coverage lapses or gets canceled. This results in immediate license suspension until you file a new SR-22 and pay reinstatement fees.
SR-22 Requirement Length
Nevada requires SR-22 insurance for three years, but serious violations involving injuries, death, or major property damage extend this to five years. For non-driving violations:
SR-22 Filing Process
Contact an insurance company licensed in Nevada to buy a policy meeting state minimum requirements. The company files your SR-22 electronically with the Nevada DMV, with typical processing time of 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Nevada drivers who can't find standard auto insurance coverage can turn to the Western Association of Automobile Insurance Plans (WAAIP). Through WAAIP, high-risk drivers are matched with insurance companies that will provide necessary coverage, including those needing SR-22 certificates.
Cheap SR-22 Insurance in Nevada: Bottom Line
In Nevada, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.
SR-22 Insurance Nevada: FAQ
Below are frequently asked questions about SR-22 certifications in Nevada:
What are the cheapest SR-22 car insurance options in Nevada?
COUNTRY Financial provides Nevada's cheapest SR-22 car insurance at $169 per month for minimum coverage. Travelers and State Farm follow as the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Nevada?
Filing an SR-22 increases car insurance rates in Nevada by 50% compared to drivers with clean records.
How long do you need to have an SR-22 in Nevada?
In Nevada, you must maintain an SR-22 and continuous insurance coverage for three years. Letting your coverage lapse resets the SR-22 period and can trigger additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance in Nevada
MoneyGeek analyzed hundreds of thousands of quotes across Nevada to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.
Nevada SR-22 Driver Profile
We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:
- 40-year-old male
- Driving record with a DUI
- 2012 Toyota Camry LE
- 12,000 miles driven annually
- Suspended license
- Single
- No claims history
Coverage Levels and Deductibles
We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Nevada's minimum coverage requirements, with the following limits:
- $25,000 personal injury liability per person
- $50,000 personal injury liability per accident
- $20,000 property damage liability per accident
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
- Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
- Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.