Cheapest SR-22 Car Insurance in Nevada (2024)

An SR-22 isn't a type of car insurance. It's a certificate of financial responsibility that you may be required to file after a moving violation. Your insurer files the SR-22 form to prove you have liability coverage. While the form doesn't raise your rates, the violations requiring an SR-22 can lead to higher premiums.

The most affordable SR-22 insurance options are COUNTRY Financial at $843 per year and State Farm at $884. These rates apply to minimum coverage after a DUI. For non-owner SR-22 insurance, State Farm offers the lowest rate, $521 annually, followed by Allied at $906 per year.

The cheapest companies for minimum coverage SR-22 car insurance in Nevada are:

• COUNTRY Financial: $70 per month; $843 per year
• State Farm: $74 per month; $884 per year

The least expensive providers for full coverage SR-22 insurance in Nevada are:

• COUNTRY Financial: $122 per month; $1,468 per year
• State Farm: $132 per month; $1,579 per year

After a moving violation, you're seen as a high risk, which usually means a higher insurance rate. But you can still find cheap SR-22 car insurance by shopping around. These affordable options can help you meet the state's minimum coverage requirements without overpaying.

The companies with the cheapest non-owner SR-22 insurance in Nevada are:

• State Farm: $43 per month; $521 per year
• Allied: $75 per month; $906 per year

Non-owner car insurance can satisfy the state minimum coverage requirements for drivers who need to file an SR-22 but don't own a car. This applies to those with a license suspension, revocation or serious traffic infractions.

An SR-22 is a certificate your insurance company files to prove you meet the state's minimum coverage after violations like DUI, driving without insurance or repeat traffic offenses. It's not actual insurance but a form that shows you have it. Your insurer must file it; you'll typically need to keep it for three years in Nevada. If your SR-22 is canceled, terminated or lapsed, your insurance provider must notify the Nevada Department of Public Safety immediately.

An SR-22 insurance proves that you have the following minimum car insurance requirements in Nevada:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $20,000 for property damage liability per accident

Even without a car, you'll need an SR-22 non-owner car insurance policy. Remember, your insurance card isn't an alternative to an SR-22 form.

Nevada drivers who face certain moving violations may need to file an SR-22. This form shows you have the minimum auto insurance coverage required by law. It helps keep your driver's license after issues like DUI, driving without insurance or serious traffic offenses.

The SR-22 is typically required for three years. Your insurer will file it and must notify the state if your policy is canceled. Here are the violations that require an SR-22:

Filing an SR-22 in Nevada can lead to higher insurance rates and fewer coverage choices. Insurers might also deny you coverage or cancel your policy mid-term. Keep your insurance active because any gap could reset your three-year SR-22 requirement. Failure to file an SR-22 can have serious consequences.

Here's how an SR-22 negatively impacts your car insurance:

The average annual cost of SR-22 car insurance in Nevada for drivers with a DUI is $3,033 for full coverage and $1,617 for minimum coverage. Drivers with a clean record pay $1,902 for full coverage and $1,018 for minimum coverage. This highlights the financial impact of a DUI on insurance premiums.

Your offense's severity determines your premiums. It's not the SR-22 certificate that increases your rates but the violations tied to it. Repeat offenders or those with severe infractions may see higher rates or even face policy non-renewal. In Nevada, an SR-22 is required for three years, during which you must maintain minimum liability coverage of 25/50/20. Keep continuous coverage to avoid further penalties.

Filing an SR-22 is essential after certain violations. Not filing can lead to severe legal consequences, including losing driving privileges. Here are the steps to file an SR-22 in Nevada:

If your SR-22 expires in Nevada, your driving privileges will be suspended again. You'll need to file a new SR-22 and pay the required fee to reinstate them. Maintain your minimum coverage to avoid this issue.

A DUI can increase your car insurance rates. A 30 to 59-year-old with a clean record might pay $1,018 annually, but the rate jumps to $1,617 for car insurance after a DUI.

Even with this increase, Nevada residents needing an SR-22 can still find affordable options by comparing quotes and opting for minimum coverage that meets state requirements.

Finding affordable SR-22 insurance can be challenging. Get answers to common questions about SR-22 car insurance options in Nevada.