Cheapest SR-22 Car Insurance in Nevada (2024)

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.

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.

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.

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.

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.

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.

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

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.

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.

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