Cheapest SR-22 Car Insurance in Nevada

COUNTRY Financial offers the cheapest SR-22 insurance in Nevada at $70 monthly for minimum coverage, 50% less than the state average of $139. It's also the most affordable for full coverage at $122.

State Farm offers Nevada's cheapest non-owner SR-22 insurance at $43 monthly or $521 annually. Non-owner insurance is a good option if you need to meet the state's minimum coverage requirements but don't own a car. 

The table shows providers and their average costs for minimum coverage.

The average cost of car insurance in Nevada for drivers with an SR-22 is $1,663 annually for minimum coverage, 59% more than the $1,049 average for clean-record drivers.

SR-22 drivers pay about $3,121 annually for full coverage, a 59% increase compared to the $1,967 paid by those with clean records.

Having an SR-22 form doesn't raise your insurance rate on its own. The cost depends on the type of violation. The table below compares the price of SR-22 insurance for common violations across age groups in Nevada.

An SR-22 proves you meet Nevada's minimum car insurance requirements. It's required for certain violations to reinstate your license, often at higher premiums.

An SR-22, also known as an SR-22 bond or certificate of financial responsibility, is often confused with an insurance policy. It's a certification your insurer files to confirm to state officials that you have enough insurance to meet the reinstatement requirements of Nevada's Financial Responsibility law.

Nevada drivers with serious traffic violations must have an SR-22 for three years. This form shows that you have minimum coverage. To comply with these laws, ensure you meet these requirements:

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

In Nevada, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Nevada's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Nevada during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, keep your SR-22 coverage active for the entire required period. You’ll need an SR-22 insurance quote if you don't have coverage. Finding insurance with an SR-22 can be tricky. Insurers might cancel your policy or deny coverage when you file, making it more challenging than for those with a clean record.

High-risk drivers in Nevada may find fewer companies offering coverage, leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. Use the following tips to find cheaper SR-22 insurance:

Non-owner car insurance covers those who drive regularly but don’t own a vehicle. It protects against third-party injuries or property damage if you’re at fault in an accident and is a practical option for frequent car renters or rideshare drivers.

This type of policy is often more affordable than standard insurance. Comparing quotes from multiple insurers can help you find the best rates. Once you purchase a non-owner policy, your insurer can file an SR-22 form, ensuring your compliance with state laws and aiding in license reinstatement

Nevada drivers with serious traffic violations must file an SR-22 to meet the state’s minimum insurance requirements. For major or repeated offenses, the SR-22 is required for three years. While SR-22 insurance often comes with higher premiums, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Nevada:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Nevada drivers with various profiles and needs.

Nevada Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Nevada's minimum coverage requirements, with the following limits:

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

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.