Car Insurance with an SR-22 in Nevada

If you're required by law to get an SR-22 in Nevada, you're not the only one. This relatively common requirement is triggered by a violation like a DUI conviction, a ticket for driving without insurance, a collision causing substantial property damage, driving with a suspended license, or accumulating too many points on your license.

Getting cheap car insurance with a SR-22 certificate in Nevada might require some research, but it could pay off. We assessed how much a SR-22 costs in Nevada and how to get one — let's take a look.


How much does an SR-22 cost in Nevada?

SR-22 insurance in Nevada will probably be pricey. This isn't a direct cost of the certificate — filing fees will usually be $15 to $35 — but a product of the insurance premium increases that come with the violation that made the SR-22 necessary in the first place.

Auto insurance companies charge higher-risk clients increased rates to account for the more substantial risk of having to pay out a claim after a crash. The rate increase you will face depends on the frequency and severity of violations — listed below are average insurance prices with an SR-22 certificate in Nevada.


NEVADA CAR INSURANCE RATES AFTER COMMON CITATIONS
High-risk rating factorAverage yearly rateIncrease vs. no citations
No violations$1,974
At-fault crash (>$2,000)$3,096$1,123
Speeding (21-25 mph > limit)$2,650$676
Reckless driving$2,987$1,013
Racing$2,987$1,013
Hit-and-run$2,987$1,013
DUI/DWI$2,877$903

If you're in need of reasonably priced auto insurance with a SR-22, The Zebra is here to help. Enter your ZIP code to get individualized auto insurance rates from popular companies.


How to get an SR-22 certificate in Nevada


If you have auto insurance

If you possess an active auto insurance policy, obtaining an SR-22 is simple. Phone your insurance company ask the company to file a SR-22 request on your behalf. If your insurance company declines to request a certificate, you should shop around for a new insurance company.

If you're uninsured

When filing for car insurance, you might be saddled with an up-front fee to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 may disqualify you from purchasing insurance from some companies, while others will sell you a policy.

If you don't have a vehicle

Not owning a vehicle makes it tougher to obtain an SR-22, as you will need to show proof of insurance to get the certificate. If you don't own a car, get a non-owners auto insurance policy before filing an SR-22 request. Non-owners car insurance is usually cheaper than a traditional policy since it doesn't protect against material damages sustained by your vehicle.

Methodology and data sources

we performed comprehensive analysis through its proprietary quote engine, comprising data from rating platforms and public rate filings. The Zebra assessed nearly 53 million rates to explore trends related to specific car insurance pricing factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.