Cheapest SR-22 Car Insurance in Nevada (2024)

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Updated: December 19, 2024

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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.

Key Takeaways

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The cheapest provider of state minimum coverage SR-22 car insurance in Nevada is COUNTRY Financial, with a monthly premium of $70 and an annual premium of $843.

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The cheapest provider of full coverage SR-22 car insurance in Nevada is COUNTRY Financial, with monthly premiums of $122 and an annual cost of $1,468.

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Based on the provided data, the top two cheapest providers of non-owner SR-22 car insurance in Nevada are:

1. State Farm: $43 per month; $521 per year
2. Allied: $75 per month; $906 per year

What is Non-Owner SR-22 Insurance?

Non-owner SR-22 insurance is a special type of auto insurance designed for individuals who need to file an SR-22 but do not own a car. An SR-22 is not an insurance policy itself; instead, it's a certificate that serves as proof of financial responsibility and is filed by your insurance provider. This form may be required by the state after certain driving violations, such as DUI, driving without insurance, or serious traffic offenses. The purpose of the SR-22 is to demonstrate that you carry the minimum liability insurance coverage required by law.

Non-owner SR-22 insurance applies to drivers who must maintain this proof of insurance to maintain or reinstate their driving privileges despite not owning a vehicle. This coverage is often needed for drivers who have had their license suspended or revoked or those who frequently rent or borrow vehicles. The policy generally covers liability, meaning it protects against damages or injuries the driver may cause while operating a car that they do not own.

Why Trust MoneyGeek? We collected data from the Nevada Department of Labor and Regulation’s Division of Insurance and Quadrant Information Services to determine the most affordable SR-22 insurance companies for various driver profiles.

90,496Quotes Analyzed
 
16Companies Compared
 
67ZIP Codes

Cheapest Companies for SR-22 Car Insurance in Nevada

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.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:State Minimum Liability Only
Select
Driving Record:DUI
Country Financial$843$70
State Farm$884$74
Progressive$1,015$85
Capital Insurance Group$1,050$87
Nationwide$1,209$101
Mercury$1,321$110
Travelers$1,318$110
Kemper$1,451$121
Nevada General Insurance$1,495$125
Farmers$1,904$159
American Family$1,995$166
Allstate$2,068$172
CSAA$2,129$177
GEICO$2,429$202
Dairyland$3,151$263
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Cheapest Companies for Non-Owner SR-22 Car Insurance in Nevada

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.

State Farm$521$43
Allied$906$75
Nationwide$906$75
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 provides liability coverage for those who drive often but don’t own a car. It’s excellent for those renting cars or driving for rideshare services, covering third-party injuries and property damage if you cause an accident.

Non-owner vehicle insurance in Nevada is usually cheaper than standard insurance. To find the best rates, compare quotes from different insurers.

What Is SR-22 in Nevada?

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.

Who Needs an SR-22 in Nevada?

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:

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    DUI conviction

    After a DUI conviction in Nevada, drivers must file for SR-22 insurance to regain driving privileges.

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    Uninsured driving

    If you're pulled over and can’t provide proof of auto insurance, you will be required to file an SR-22 to prove financial responsibility for at least three years.

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    Serious traffic offenses

    Serious traffic violations in Nevada, like reckless driving, require an SR-22 filing to maintain or reinstate a driver's license.

How an SR-22 Impacts Your Car Insurance in Nevada

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:

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    Limited number of insurance options

    In Nevada, not all insurers cover high-risk drivers, leading to fewer insurance options and higher rates for minimum coverage.

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    Possible policy cancellation

    Once you file an SR-22 in Nevada, your insurer might cancel your policy mid-term or not renew it. You'll need to find another provider that accepts SR-22 filings.

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    Long period of required filing

    Nevada requires you to file an SR-22 for three years from your conviction date. Keep your insurance active, or you'll have to start over.

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    Filing fees

    Filing an SR-22 in Nevada comes with a fee. The exact amount varies, but expect to pay around $25 on top of your insurance premium.

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WHAT TO DO IF NO ONE WILL INSURE YOU

High-risk drivers with violations might consider non-standard auto insurance. Though typically more expensive than standard policies, it provides coverage options for those struggling to get insured due to their driving record.

Average Cost of SR-22 Car Insurance in Nevada

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.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:State Minimum Liability Only
Clean$1,018$85
Speeding Ticket$1,303$109
At-fault Accident$1,616$135
DUI$1,617$135

How to Get SR-22 Car Insurance in Nevada

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:

  1. 1

    Determine if you need an SR-22

    If you have had a DUI, were caught driving without insurance or have other serious traffic offenses in Nevada, you may be ordered by a municipal court to file an SR-22. This form is a certificate of financial responsibility.

  2. 2

    Contact your insurance provider

    Ask your insurer to file an SR-22. The provider will review your policy to ensure it meets Nevada's minimum coverage requirements.

  3. 3

    Pay the SR-22 filing fee

    Your insurer may charge a one-time fee of $15 to $25 to file the SR-22 in Nevada. This fee covers the cost of processing the certificate.

  4. 4

    Verify the policy meets state requirements

    Confirm your insurance policy meets Nevada's minimum coverage requirements. The state mandates at least 25/50/20 coverage to comply with the law.

  5. 5

    Submit the SR-22 form

    Your insurance company will file the SR-22 form with the Nevada Department of Motor Vehicles (DMV). After submission, you'll receive a copy for your records.

  6. 6

    Maintain continuous coverage

    Keep your insurance policy active for three years to avoid penalties or license suspension.

  7. 7

    Confirm with the DMV

    After your insurer submits the SR-22, check with the Nevada DMV to ensure it has been received and filed correctly. This will help prevent any misunderstandings or lapses in compliance.

  8. 8

    Monitor your SR-22 status

    Monitor your SR-22 status and how much time remains. If your policy is canceled, your insurer will alert the DMV, so maintain your continuous coverage.

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.

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FINANCIAL RESPONSIBILITY CANCELLATION FORM

Once you've completed Nevada's three-year SR-22 requirement for driving offenses like DUI, your insurance provider should file a financial responsibility cancellation form. This informs the state you've maintained minimum coverage for the necessary period.

How to Save on Car Insurance in Nevada After a Violation

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.

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    Complete DUI classes or programs

    Enrolling in state-recommended DUI classes can positively impact your driving record by showing commitment to safe driving. Although completion of the class will not guarantee lower rates, it can lead to insurers seeing a reduced risk.

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    Look for discounts

    Even after a violation, you might still qualify for discounts. To reduce your premiums, explore options like bundling policies, installing safety equipment, insuring multiple cars, paying in full or setting up electronic billing.

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    Compare car insurance quotes

    Compare auto insurance quotes from different providers to find the most affordable minimum coverage after a moving violation.

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    Maintain a clean driving record

    After a violation, focus on driving safely to prevent further incidents. Maintaining a clean record can lower your insurance costs over time, showing insurers you're a responsible driver.

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    Consider a higher deductible

    Opting for a higher deductible, which only applies to full coverage policies with collision and comprehensive insurance, can lower your premium. You'll pay more out of pocket during a claim, but the reduced cost could make your insurance more affordable.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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FAQ: SR-22 Insurance in Nevada

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

What are the cheapest SR-22 car insurance options in Nevada?

How much does filing an SR-22 increase car insurance rates in Nevada, on average?

How long do you need to have an SR-22 in Nevada?

About Mark Fitzpatrick

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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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