What are the cheapest SR-22 car insurance options in Nevada?

State Farm is the cheapest company for SR-22 insurance in Nevada at an average of $562 per year for minimum coverage and $1,050 per year for full coverage. It's also the cheapest for non-owner SR-22 insurance at $521 per year, on average.

How much does filing an SR-22 increase car insurance rates, on average?

Filing an SR-22 doesn't directly increase rates, but it tells insurers that you are riskier to insure, generally leading them to charge higher rates . In Nevada, a DUI violation can increase car insurance rates by an average of $491 per year for minimum coverage and $930 per year for full coverage.

How long do you need to have an SR-22 in Nevada?

Nevada law requires drivers with serious violations like DUIs to maintain SR-22 insurance for three years.

Nevada SR-22 Insurance: The Cheapest Companies and Average Costs (2023)

If you need cheap SR-22 insurance in Nevada, State Farm and CSAA are the most affordable providers at $562 and $689 per year, respectively, for minimum coverage.

In Nevada, drivers with serious violations like DUIs are required to have SR-22 insurance, which means that you need to file an SR-22 form to prove that you have the state-mandated minimum car insurance coverage. Your insurer will file the form on your behalf with the DMV. While the SR-22 form itself does not impact rates, most violations that require SR-22 insurance will increase your premiums.

If you do not own a car, State Farm and Allied are the two cheapest insurers for non-owner SR-22 insurance in Nevada at $521 and $906 per year, respectively.

Cheapest SR-22 InsuranceNevada

2023

Cheapest Companies for SR-22 Car Insurance in Nevada

Cheapest for SR-22 - State Farm

What Is SR-22?

Cheapest for Non-Owner SR-22 - State Farm

SR-22 Average Cost

How SR-22 Affects Rates

Other Effects of SR-22

Cheapest Companies for SR-22 Car Insurance in Nevada

If you have a DUI on your record, the cheapest companies for minimum coverage SR-22 insurance in Nevada are:

State Farm: $562 per year
CSAA: $689 per year

The cheapest insurers for full coverage SR-22 policies in Nevada are:

State Farm: $1,050 per year
CSAA: $1,445 per year

Car insurance costs more after a driving violation because insurers view drivers with poor records as riskier to insure. However, you can still find affordable SR-22 car insurance by comparing quotes from different providers.

The table below shows the cheapest SR-22 car insurance options in Nevada, ranging from $562 to $2,881.

Age Group

Coverage

Driving Violation

Company	Annual Premium	Monthly Premium
CSAA	$402	$33
Capital Insurance Group	$417	$35
CSAA	$444	$37
State Farm	$477	$40
Capital Insurance Group	$484	$40
State Farm	$506	$42
CSAA	$526	$44
State Farm	$529	$44
State Farm	$529	$44
Nationwide	$535	$45
Capital Insurance Group	$547	$46
Nationwide	$548	$46
State Farm	$562	$47
State Farm	$562	$47
CSAA	$563	$47
CSAA	$565	$47
Capital Insurance Group	$576	$48
State Farm	$582	$49
Mercury	$591	$49
State Farm	$617	$51
Progressive	$618	$51
State Farm	$619	$52
Nationwide	$625	$52
GEICO	$629	$52
Capital Insurance Group	$632	$53
Progressive	$635	$53
Nationwide	$638	$53
GEICO	$640	$53
CSAA	$641	$53
Mercury	$658	$55
Capital Insurance Group	$660	$55
CSAA	$665	$55
State Farm	$685	$57
State Farm	$685	$57
CSAA	$689	$57
GEICO	$695	$58
Progressive	$709	$59
CSAA	$754	$63
State Farm	$754	$63
Nationwide	$765	$64
Travelers	$791	$66
Progressive	$803	$67
Capital Insurance Group	$805	$67
Mercury	$806	$67
CSAA	$811	$68
Mercury	$812	$68
Farmers	$814	$68
Capital Insurance Group	$815	$68
CSAA	$816	$68
Country Financial	$827	$69
Travelers	$838	$70
CSAA	$840	$70
Country Financial	$848	$71
Nationwide	$855	$71
Progressive	$860	$72
Farmers	$860	$72
Nationwide	$861	$72
Capital Insurance Group	$861	$72
Progressive	$877	$73
Nationwide	$878	$73
State Farm	$884	$74
GEICO	$903	$75
Travelers	$903	$75
Progressive	$904	$75
GEICO	$912	$76
Progressive	$933	$78
Capital Insurance Group	$934	$78
American Family	$938	$78
CSAA	$940	$78
State Farm	$949	$79
American Family	$952	$79
Progressive	$959	$80
Allstate	$962	$80
CSAA	$965	$80
Allstate	$974	$81
State Farm	$978	$82
State Farm	$978	$82
Farmers	$991	$83
Nationwide	$995	$83
Mercury	$1,021	$85
Farmers	$1,021	$85
Mercury	$1,024	$85
American Family	$1,024	$85
GEICO	$1,031	$86
Capital Insurance Group	$1,037	$86
State Farm	$1,050	$87
State Farm	$1,050	$87
Country Financial	$1,057	$88
Allstate	$1,064	$89
State Farm	$1,073	$89
Mercury	$1,078	$90
Allstate	$1,078	$90
Farmers	$1,079	$90
Capital Insurance Group	$1,079	$90
Nationwide	$1,080	$90
Progressive	$1,082	$90
Mercury	$1,083	$90
Country Financial	$1,083	$90
Allstate	$1,088	$91
Travelers	$1,107	$92
GEICO	$1,114	$93
CSAA	$1,114	$93
GEICO	$1,139	$95
Capital Insurance Group	$1,140	$95
Capital Insurance Group	$1,142	$95
Nationwide	$1,143	$95
State Farm	$1,151	$96
Travelers	$1,158	$97
Nationwide	$1,159	$97
Kemper	$1,164	$97
Travelers	$1,166	$97
CSAA	$1,168	$97
Country Financial	$1,186	$99
Progressive	$1,189	$99
Nationwide	$1,192	$99
Mercury	$1,197	$100
CSAA	$1,198	$100
Progressive	$1,200	$100
State Farm	$1,200	$100
Farmers	$1,200	$100
Nationwide	$1,209	$101
Allstate	$1,210	$101
GEICO	$1,218	$102
GEICO	$1,221	$102
Travelers	$1,221	$102
Mercury	$1,231	$103
Allstate	$1,237	$103
Nationwide	$1,244	$104
American Family	$1,248	$104
Capital Insurance Group	$1,251	$104
Allstate	$1,255	$105
Travelers	$1,257	$105
American Family	$1,259	$105
American Family	$1,280	$107
GEICO	$1,282	$107
Country Financial	$1,283	$107
Mercury	$1,288	$107
Allstate	$1,288	$107
American Family	$1,291	$108
Farmers	$1,293	$108
Farmers	$1,296	$108
Kemper	$1,297	$108
Allstate	$1,306	$109
Nevada General Insurance	$1,307	$109
Farmers	$1,316	$110
Kemper	$1,320	$110
State Farm	$1,328	$111
State Farm	$1,328	$111
Travelers	$1,329	$111
Progressive	$1,335	$111
Farmers	$1,336	$111
CSAA	$1,343	$112
Progressive	$1,344	$112
Kemper	$1,353	$113
Country Financial	$1,354	$113
Travelers	$1,366	$114
American Family	$1,369	$114
Capital Insurance Group	$1,377	$115
Mercury	$1,388	$116
American Family	$1,389	$116
American Family	$1,389	$116
Nationwide	$1,412	$118
Farmers	$1,416	$118
Allstate	$1,419	$118
CSAA	$1,419	$118
GEICO	$1,421	$118
Travelers	$1,429	$119
Kemper	$1,443	$120
CSAA	$1,445	$120
American Family	$1,451	$121
State Farm	$1,456	$121
Farmers	$1,463	$122
Country Financial	$1,468	$122
Travelers	$1,473	$123
Nationwide	$1,474	$123
American Family	$1,475	$123
Allstate	$1,478	$123
Mercury	$1,487	$124
Travelers	$1,488	$124
Nevada General Insurance	$1,492	$124
Nevada General Insurance	$1,495	$125
Nevada General Insurance	$1,495	$125
Kemper	$1,506	$126
Country Financial	$1,511	$126
Capital Insurance Group	$1,511	$126
Nevada General Insurance	$1,512	$126
Farmers	$1,512	$126
Country Financial	$1,514	$126
Farmers	$1,518	$127
Mercury	$1,520	$127
Mercury	$1,525	$127
Allstate	$1,542	$129
Country Financial	$1,550	$129
Travelers	$1,551	$129
American Family	$1,553	$129
Country Financial	$1,558	$130
CSAA	$1,566	$130
Farmers	$1,567	$131
Nationwide	$1,576	$131
Mercury	$1,578	$132
Nationwide	$1,579	$132
Capital Insurance Group	$1,604	$134
GEICO	$1,606	$134
GEICO	$1,606	$134
Progressive	$1,610	$134
Allstate	$1,621	$135
Capital Insurance Group	$1,655	$138
Farmers	$1,657	$138
Nevada General Insurance	$1,682	$140
Nationwide	$1,684	$140
Farmers	$1,684	$140
American Family	$1,685	$140
CSAA	$1,686	$141
Capital Insurance Group	$1,691	$141
Country Financial	$1,703	$142
Nevada General Insurance	$1,707	$142
Nevada General Insurance	$1,707	$142
American Family	$1,714	$143
CSAA	$1,716	$143
Travelers	$1,720	$143
Allstate	$1,722	$144
GEICO	$1,729	$144
Nevada General Insurance	$1,729	$144
Nevada General Insurance	$1,729	$144
Allstate	$1,730	$144
American Family	$1,745	$145
Kemper	$1,768	$147
Dairyland	$1,806	$151
Progressive	$1,817	$151
Allstate	$1,820	$152
GEICO	$1,830	$153
GEICO	$1,847	$154
Country Financial	$1,859	$155
Mercury	$1,871	$156
American Family	$1,885	$157
Kemper	$1,890	$157
Nevada General Insurance	$1,891	$158
Dairyland	$1,899	$158
American Family	$1,913	$159
Nevada General Insurance	$1,921	$160
Progressive	$1,921	$160
Farmers	$1,934	$161
Kemper	$1,935	$161
Allstate	$1,941	$162
Nevada General Insurance	$1,946	$162
Progressive	$1,947	$162
Country Financial	$1,958	$163
Mercury	$1,960	$163
Mercury	$1,963	$164
American Family	$2,001	$167
CSAA	$2,006	$167
Capital Insurance Group	$2,008	$167
Kemper	$2,021	$168
Allstate	$2,029	$169
Progressive	$2,061	$172
Farmers	$2,065	$172
Nationwide	$2,090	$174
Farmers	$2,096	$175
Kemper	$2,107	$176
Nevada General Insurance	$2,109	$176
Nevada General Insurance	$2,109	$176
Progressive	$2,109	$176
Travelers	$2,113	$176
GEICO	$2,116	$176
American Family	$2,122	$177
Allstate	$2,134	$178
Nevada General Insurance	$2,138	$178
Farmers	$2,139	$178
Allstate	$2,140	$178
American Family	$2,142	$179
Country Financial	$2,149	$179
American Family	$2,151	$179
Dairyland	$2,167	$181
Nationwide	$2,180	$182
Country Financial	$2,185	$182
Country Financial	$2,209	$184
Travelers	$2,210	$184
Farmers	$2,216	$185
Mercury	$2,220	$185
Progressive	$2,229	$186
Allstate	$2,256	$188
Country Financial	$2,262	$188
GEICO	$2,270	$189
Travelers	$2,275	$190
Capital Insurance Group	$2,281	$190
Nationwide	$2,285	$190
Allstate	$2,293	$191
Travelers	$2,297	$191
GEICO	$2,299	$192
Farmers	$2,367	$197
Nevada General Insurance	$2,370	$197
Farmers	$2,376	$198
Travelers	$2,379	$198
Nevada General Insurance	$2,386	$199
Nevada General Insurance	$2,386	$199
Nevada General Insurance	$2,398	$200
Mercury	$2,400	$200
Travelers	$2,409	$201
Allstate	$2,419	$202
Progressive	$2,464	$205
American Family	$2,476	$206
Mercury	$2,477	$206
Capital Insurance Group	$2,525	$210
Travelers	$2,560	$213
Country Financial	$2,571	$214
Kemper	$2,598	$217
Dairyland	$2,627	$219
GEICO	$2,630	$219
Progressive	$2,639	$220
Nevada General Insurance	$2,661	$222
Nevada General Insurance	$2,661	$222
Dairyland	$2,667	$222
Nevada General Insurance	$2,682	$223
Nationwide	$2,691	$224
American Family	$2,694	$225
Country Financial	$2,710	$226
Country Financial	$2,722	$227
Travelers	$2,749	$229
Mercury	$2,757	$230
Mercury	$2,792	$233
Travelers	$2,792	$233
Progressive	$2,803	$234
Kemper	$2,841	$237
Dairyland	$2,881	$240
Dairyland	$2,896	$241
Dairyland	$2,903	$242
Country Financial	$2,936	$245
Nevada General Insurance	$2,990	$249
Kemper	$3,132	$261
Kemper	$3,204	$267
Dairyland	$3,226	$269
Dairyland	$3,239	$270
GEICO	$3,245	$270
Dairyland	$3,255	$271
Kemper	$3,279	$273
GEICO	$3,327	$277
Capital Insurance Group	$3,370	$281
GEICO	$3,466	$289
Kemper	$3,526	$294
Kemper	$3,578	$298
Dairyland	$3,609	$301
Kemper	$3,658	$305
Dairyland	$3,731	$311
Country Financial	$3,783	$315
Kemper	$3,851	$321
Kemper	$3,964	$330
Dairyland	$3,971	$331
Kemper	$4,467	$372
Dairyland	$4,569	$381
Kemper	$5,083	$424
Dairyland	$5,394	$450
Dairyland	$5,574	$464
Kemper	$5,582	$465
Dairyland	$5,673	$473
Dairyland	$5,845	$487
Dairyland	$5,988	$499
Dairyland	$6,278	$523
Dairyland	$6,665	$555
Dairyland	$6,712	$559
Dairyland	$7,332	$611

What Is SR-22 in Nevada?

An SR-22 is a certificate of financial responsibility that drivers with serious violations are required to file. It is not an insurance policy but a document that your insurance company files with the Nevada DMV as proof that you have the required minimum liability auto insurance coverage.

Some violations that may require SR-22 insurance in Nevada include:

Driving Under the Influence (DUI)
Reckless driving
Driving without insurance
Operating a vehicle without a valid license or with a suspended or revoked license
Multiple at-fault accidents

Nevada SR-22 requirements specify that you need to maintain an SR22 on file for three years. To obtain an SR-22 certificate, you will need to contact your insurer, who will then file the form on your behalf with the Nevada DMV.

Keep in mind that filing an SR-22 will lead to an increase in your insurance rates since you will be considered a high-risk driver.

MONEYGEEK EXPERT TIP

Once you’ve completed the terms of your financial responsibility requirement, your insurance company must file a Financial Responsibility Cancellation Form. This document indicates that you have fulfilled the mandatory SR-22 filing period and are no longer obligated to maintain an SR-22 certificate.

Cheapest Companies for Non-Owner SR-22 Car Insurance in Nevada

The cheapest companies for non-owner SR-22 car insurance in Nevada are:

State Farm: $521 per year
Allied: $906 per year

USAA is one of the most affordable providers for non-owner SR-22 car insurance if you have a military background at an average of $619 per year.

Non-owner car insurance provides liability coverage for drivers who don't own a vehicle. Even if you do not currently own a car, you may still be required to file an SR-22 in some circumstances, such as if your car has been totaled or taken away, or if you need to reinstate your driver’s license.

You can look up the cheapest car insurance companies for non-owner SR-22 insurance in Nevada and their rates in the table below, ranging from $521 to $1,542, in the table below.

Driving Violation

Company	Annual Premium	Monthly Premium
State Farm	$452	$38
State Farm	$521	$43
GEICO	$606	$50
Nationwide	$696	$58
Allied	$696	$58
Travelers	$761	$63
Progressive	$833	$69
Kemper	$859	$72
Allied	$906	$75
Nationwide	$906	$75
Farmers	$998	$83
GEICO	$1,005	$84
Travelers	$1,022	$85
Kemper	$1,320	$110
Progressive	$1,348	$112
Farmers	$1,542	$128

WHAT IS NON-OWNER CAR INSURANCE?

Non-owner car insurance is a good option if you do not have a car but drive often. For example if you are a rideshare driver, drive rentals or are required to file SR-22 insurance but do not own a car, you can opt for this type of policy.

Non-owner car insurance in Nevada is typically cheaper than standard car insurance. To get the best rates, Moneygeek recommends comparing quotes from different providers.

Average Cost of SR-22 Car Insurance in Nevada

The average cost of SR-22 insurance in Nevada for drivers with a DUI is $1,329 per year for a minimum coverage policy and $2,487 per year for a full coverage policy. SR-22 insurance may also be required for other violations such as at-fault accidents and reckless driving.

Having a driving violation on your record can significantly increase the cost of your car insurance since insurers will consider you a high-risk driver.

Age Group

Coverage

Driving Record	Annual Premium	Monthly Premium
DUI	$1,492	$124
At-Fault Accident	$1,470	$123
Ticket	$1,234	$103
At-Fault Accident	$2,479	$207
Ticket	$2,375	$198
Clean	$817	$68
Ticket	$1,064	$89
DUI	$2,608	$217
At-Fault Accident	$2,650	$221
Clean	$1,560	$130
Clean	$1,895	$158
Clean	$1,534	$128
DUI	$1,453	$121
At-Fault Accident	$2,852	$238
Ticket	$1,162	$97
DUI	$1,329	$111
Clean	$977	$81
DUI	$2,843	$237
DUI	$2,487	$207
Clean	$865	$72
At-Fault Accident	$1,314	$109
Ticket	$2,098	$175
Ticket	$2,011	$168
At-Fault Accident	$1,479	$123

MONEYGEEK EXPERT TIP

It's important to compare SR-22 insurance rates in Nevada at each renewal to ensure that you are getting the best rates for your profile. Rates can vary significantly depending on the provider and can change over time, so it pays to shop around if you're looking to save on premiums.

How SR-22 Affects Car Insurance Rates in Nevada

In Nevada, filing an SR-22 can drive your car insurance costs up by around $491 per year, depending on the violation. Drivers with serious violations are considered more likely to commit offenses and file claims in the future, so insurers charge them higher rates.

SR-22 insurance may be required if you have a serious driving violation such as a DUI, multiple at-fault accidents or a reckless driving offense. The SR-22 certificate serves as proof that you have the required minimum liability insurance coverage in Nevada.

Car Insurance Rate Comparison Based on Driving Records in Nevada

Clean Driving Record

Annual Premium for Minimum Coverage

$838

After a DUI

Annual Premium for Minimum Coverage

$1,329

Car insurance premiums after a DUI are on average: :$491 more

This is 59% more expensive.

Other Effects of SR-22 on Car Insurance in Nevada

Apart from leading to higher premiums, filing an SR-22 may have other effects on your car insurance:

Limited number of insurance options

Some insurers may deny coverage if you have an SR-22 requirement. Insurers assess risk based on factors such as driving history, and having an SR-22 suggests a high likelihood of future claims. Car insurance options may therefore be limited since not all insurers are willing to provide coverage to high-risk drivers.

Possible policy cancellation

Your current insurer may choose to cancel the remainder of your policy if you are required to file an SR-22 for a serious violation.

Length of required filing

In Nevada, you are required to maintain SR-22 insurance for three years. Failure to maintain SR-22 insurance for the mandatory period may lead to further penalties, including suspension of your driver’s license.

Filing fees

You may be required to pay a one-time SR-22 filing fee in Nevada, which can range from $15 to $50.

How to Get SR-22 Insurance in Nevada

If you have a violation that requires you to file an SR-22 form in Nevada, you can obtain insurance coverage by following these steps:

Search for a car insurance provider that offers coverage to drivers with violations on their records.
Purchase an insurance policy that meets Nevada's minimum liability requirements.
Request that your insurance company file an SR-22 form with the Nevada DMV on your behalf as proof of financial responsibility.
Pay the necessary filing fees and ensure that you keep the SR-22 form up to date for the mandated period.

NEVADA LICENSE REINSTATEMENT FEE

It costs between $75 and $120 to reinstate your driver’s license in Nevada. For an alcohol or controlled substance offense, the reinstatement fee is $120, while the fee for any other offense is $75. A victim impact fee of $35 may also apply for alcohol or controlled substance offenses. Fees may be updated from time to time, so it's a good idea to check with your local DMV for current rates.

How to Get Cheaper Car Insurance in Nevada After a DUI

Car insurance after a DUI in Nevada is likely to be more expensive, but you can still get affordable coverage by comparing quotes from different providers. These steps can also help you get affordable SR-22 car insurance in Nevada.

Compare quotes immediately
Insurance rates tend to vary widely depending on the insurer, so comparing quotes is usually the best way to identify the cheapest providers. Compare quotes from three or more providers to get cheap car insurance after a DUI in Nevada.
Complete DUI classes or programs
DUI programs and classes can help you get better rates by helping you reduce the likelihood of future offenses. The Nevada DMV has a list of recommended DUI schools for drivers to complete their DUI sentencing.
Look for discounts
Violations will make you ineligible for discounts like safe driving discounts, but you may still qualify for other types of discounts. Look for providers that offer safety equipment, bundling and other common discounts that can help lower your premiums.
Practice safe driving
Improving your driving record over time will ensure that you do not get more violations on your record, which can lead to even higher rates. Aim to observe all traffic laws and practice safe driving to minimize the risk of violations.
Shop rates over time
Rates tend to change over time, so it pays to review and compare providers when renewing your policy. Check for the most current rates to ensure you're getting the best rates for your profile.

MONEYGEEK EXPERT TIP

Non-standard auto insurance is a good option for high-risk drivers with a history of violations that may make them ineligible for standard car insurance. Nonstandard auto insurance typically costs more than standard car insurance, but it can be the best option if you have difficulty finding coverage due to a bad record.

Frequently Asked Questions About SR-22 Insurance in Nevada

MoneyGeek answered frequently asked questions to help you learn more about SR-22 insurance in Nevada.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

sources

Nevada Department of Motor Vehicles. "Driver License and ID Card Fees." Accessed June 7, 2023.
Nevada Department of Motor Vehicles. "DUI Schools." Accessed June 7, 2023.
Nevada Department of Motor Vehicles. "Insurance." Accessed June 7, 2023.

Cheapest SR-22 Car Insurance in Nevada (2023)

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On This Page:

Cheapest Companies for SR-22 Car Insurance in Nevada

Compare Auto Insurance Rates

What Is SR-22 in Nevada?

Cheapest Companies for Non-Owner SR-22 Car Insurance in Nevada

Average Cost of SR-22 Car Insurance in Nevada

How SR-22 Affects Car Insurance Rates in Nevada

Car Insurance Rate Comparison Based on Driving Records in Nevada

Other Effects of SR-22 on Car Insurance in Nevada

Limited number of insurance options

Possible policy cancellation

Length of required filing

Filing fees

Compare Auto Insurance Rates

How to Get SR-22 Insurance in Nevada

How to Get Cheaper Car Insurance in Nevada After a DUI

Frequently Asked Questions About SR-22 Insurance in Nevada

sources