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 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:
- 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.
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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.
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.
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.
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
Annual Premium for Minimum Coverage
$838Annual Premium for Minimum Coverage
$1,329This 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.
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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.
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.
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

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.