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 factor||Average yearly rate||Increase vs. no citations|
|At-fault crash (>$2,000)||$3,096||$1,123|
|Speeding (21-25 mph > limit)||$2,650||$676|
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 insuranceIf 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 uninsuredWhen 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 vehicleNeeding an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicleNot owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish 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.