Cheapest SR-22 Car Insurance in Nevada

Country Financial provides Nevada's cheapest SR-22 insurance at $2,023 for minimum coverage and $3,293 for full coverage. The minimum rate is $2,057 below the state average of $4,080, or about 44% cheaper, offering substantial relief in one of the nation's costlier auto insurance markets.  

American Family, the most expensive provider on our list, charges $3,230 for minimum coverage, still 21% below the state average and $1,207 more than Country Financial. Nevada's expensive market makes finding the right carrier especially valuable.

The table below lists the five companies providing the most affordable SR-22 coverage options in Nevada.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Country Financial most frequently ranks as the low-cost leader across categories. The least expensive group is Drivers With Other Violations, at $1,785 for minimum coverage SR-22 insurance with Country Financial, while the most expensive is Young Drivers With a Suspension, at $2,135 with Travelers. The $350 spread reflects how youth and suspension history increase premiums.

Your SR-22 rate ultimately reflects the severity of your violation and the insurer's evaluation of your risk profile.

* 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.

Imlay posts the lowest minimum coverage SR-22 at $850 (Travelers), while North Las Vegas averages $2,408 (Country Financial). The $1,558 gap, or roughly 183% higher, aligns with population density, congestion, and claim frequency in southern Nevada.

Traffic intensity, repair costs, and theft risk explain much of the city-level SR-22 variance across Nevada.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

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.

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.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

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.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

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.

Nevada drivers need more than just an SR-22 filing to comply with state insurance laws, as additional regulations govern vehicle coverage requirements.

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.

Below are frequently asked questions about SR-22 certifications 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.