Car Insurance with an SR-22 in Nevada

The Zebra
Nov. 16, 2018

If you need an SR-22 to get an auto insurance policy in Nevada, you aren't the only one. This relatively standard insurance requirement is often needed after a citation such as a DUI conviction, a citation for driving with no insurance, an at-fault collision with substantial property damage, a ticket for driving with a suspended license, or accumulating too many points on your license.

Getting cheap insurance with an SR-22 in Nevada might not be easy, but it could pay off. We examined how much a Nevada SR-22 certificate costs and how to get one — let's dive into the details.


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How much does an SR-22 cost in Nevada?

SR-22 insurance in Nevada will probably be costly. This isn't a direct result of the SR-22 — typical filing fees are $15 to $35 — but a product of the insurance premium increases initiated by the violation that prompted the SR-22 requirement in the first place.

Insurers charge higher-risk drivers higher rates to account for the more substantial risk of having to pay out a claim after a collision. The rate increase you could face will depend on the number and severity of infractions — below are average auto insurance premiums for drivers with SR-22s in Nevada.


NEVADA INSURANCE PREMIUMS AFTER COMMON VIOLATIONS
Rating factorAverage annual rateIncrease vs. no violations
No citations$1,801.91
At-fault collision (>$2,000)$2,403.00$601.09
Speeding (21-25 mph > limit)$2,258.23$456.32
Reckless driving$2,917.03$1,115.12
Racing$2,685.00$883.09
Leaving the scene of an accident$2,522.59$720.68
DUI$2,756.44$954.53

If you need affordable auto insurance with a SR-22, The Zebra is here to help. Enter your ZIP code below to receive individualized car insurance quotes from respected insurers.


Requesting an SR-22 in Nevada


For currently insured drivers:

With an active insurance policy, obtaining an SR-22 should be easy. Contact your insurer ask it to file a SR-22 request on your behalf. If your insurer refuses to file a request, you’ll need to shop for a new policy with a new insurance company.

If you don't have insurance:

When applying for a new policy, you might face an additional fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from purchasing insurance from some carriers, while others would be happy to cover you.

If you aren't a vehicle owner:

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to show proof of insurance to obtain the certificate. If you don't own a vehicle, you should apply for a non-owners auto insurance policy before filing an SR-22 request. Non-owners car insurance should be less costly than standard coverage since it doesn't cover material damages sustained by your vehicle.

Methodology

Between September and December 2017, The Zebra performed car insurance price analysis through its proprietary quote engine, incorporating data from rating platforms and public rate filings. The Zebra analyzed nearly 53 million rates to examine trends for specific auto insurance rating 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.

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