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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.

MoneyGeek Logo IconCheapest SR-22 InsuranceNevada
2023

Cheapest Companies for SR-22 Car Insurance in Nevada

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:

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.

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

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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.

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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:

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.

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

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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.

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

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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

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$838
accident2
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:

1

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.

2

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.

3

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.

4

Filing fees

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

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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.
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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.

  • find icon

    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.

  • car icon

    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.

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    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.

  • seatbelt icon

    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.

  • calendar icon

    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.

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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 headshot

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.


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