Cheapest car insurance in Nevada for a bad driving record

State Farm, Travelers, Mercury Insurance provides affordable car insurance for high-risk drivers with bad driving record in Nevada.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

CompanyAverage annual premium for clean recordAnnual premium for high-risk driver
State Farm$1,443$2,309
Travelers$1,995$3,033
Mercury Insurance$2,156$3,315
Allstate$2,614$3,434
Progressive$2,482$3,480
American Family$2,429$3,540
Farmers$2,328$3,799
GEICO$1,708$3,947
CSAA Insurance (AAA)$3,651$4,997
USAA$1,672$2,607

How much is high-risk car insurance in Nevada?

A bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,072 in Nevada, you can find rates as low as $2,309 from State Farm.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Keep reading as we break down high-risk car insurance factors and rates.

Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.

Nevada
State
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming
*Please select from the list
At-fault bodily injury accident
Risk Factor
1 At-fault property damage accident over 2K1 At-fault property damage accident under 2K1 comprehensive claim for over 2k1 comprehensive claim for under 2k2 At-fault property damage accident over 2k2 comprehensive claims for over 2k2 speeding tickets 11 mph or overAt-fault bodily injury accidentCareless drivingDUI/DWI first offenseDUI/DWI second offenseDistracted driving ticketDriving without a license or permitDriving without insuranceFailure to stopFailure to yieldFair creditFollowing too closelyHit and run - injuryHit and run - property damageImproper turnImproper/illegal passLapse of coverage for 7 daysLapse of coverage for 7 to 30 daysLapse of coverage for over 30 daysOperating a vehicle in a race (highway racing)Passing stopped school busPoor creditReckless drivingSR22 Filing OnlySR22 with 1 DUISeatbelt infractionSingle vehicle accident (so the drivers car only)Speeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over limitTalking on cellphone ticketTexting ticket
*Please select from the list
Average annual car insurance rate for At-fault bodily injury accident in Nevada, NV is $3,293
Show Graph View
CompanyAnnual premium for clean recordAnnual premium after violation
State Farm$1,443$1,663
USAA$1,672$2,333
Travelers$1,995$2,887
GEICO$1,708$3,495
Allstate$2,614$3,577
Farmers$2,328$3,644
Progressive$2,482$3,749
Mercury Insurance$2,156$4,003
American Family$2,429$4,060
CSAA Insurance (AAA)$3,651$6,383
Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Nevada?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Nevada with a DUI

While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $1,543.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in Nevada.

CompanyAverage annual premium for clean recordAnnual premium for a DUI
State Farm$1,443$1,543
Travelers$1,995$3,070
Progressive$2,482$3,480
Allstate$2,614$3,548
Mercury Insurance$2,156$3,821
American Family$2,429$4,022
GEICO$1,708$4,189
Farmers$2,328$4,552
CSAA Insurance (AAA)$3,651$5,110
USAA$1,672$3,352

Cheapest car insurance in Nevada with multiple tickets

State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $1,543 or $129.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Nevada drivers how much multiple tickets increase premiums.

CompanyAverage annual premium for clean recordAnnual premium with a speeding ticket
State Farm$1,443$1,543
Allstate$2,614$2,907
Travelers$1,995$2,924
Farmers$2,328$3,023
Mercury Insurance$2,156$3,031
American Family$2,429$3,107
Progressive$2,482$3,185
GEICO$1,708$4,041
CSAA Insurance (AAA)$3,651$4,782
USAA$1,672$1,963

Cheapest car insurance in Nevada with a reckless driving conviction

State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,543.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

CompanyAverage annual premium for clean recordAnnual premium for reckless driving
State Farm$1,443$1,543
Travelers$1,995$3,070
Allstate$2,614$3,548
Progressive$2,482$3,631
Mercury Insurance$2,156$3,821
American Family$2,429$4,022
Farmers$2,328$4,554
GEICO$1,708$4,727
CSAA Insurance (AAA)$3,651$5,110
USAA$1,672$2,751

Cheapest car insurance in Nevada with bad credit

GEICO offers the cheapest rates for drivers with poor credit at $2,643 or $220. However,drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistically, drivers with a low credit score fit that description.

Check out the table below to see how your credit score affects Nevada car insurance.

CompanyAnnual premium for good creditAnnual premium for bad credit
GEICO$1,708$2,643
Mercury Insurance$2,156$3,155
Travelers$1,995$3,284
American Family$2,429$3,877
Progressive$2,482$4,211
Farmers$2,328$4,619
Allstate$2,614$4,789
CSAA Insurance (AAA)$3,651$5,417
State Farm$1,443$6,138
USAA$1,672$3,654

Cheapest car insurance after an accident in Nevada

State Farm and Travelers have the lowest car insurance rates after an accident at $1,663 and $2,802, respectively.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.

CompanyAverage annual premium for clean recordAnnual premium for one at-fault accidentAnnual premium for multiple accident
State Farm$1,443$1,663$1,663
Travelers$1,995$2,802$3,510
GEICO$1,708$3,495$6,033
Allstate$2,614$3,577$4,463
Farmers$2,328$3,644$4,768
Progressive$2,482$3,749$5,449
Mercury Insurance$2,156$4,003$5,705
American Family$2,429$4,060$5,002
CSAA Insurance (AAA)$3,651$6,121$9,024
USAA$1,672$2,333$3,937

Cheapest car insurance in Nevada by city

Wells has the cheapest car insurance rates in Nevada at $2,521. But the most expensive city is Las Vegas with rates of $3,871.

Your location in Nevada also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.

CityAverage annual premium for clean recordAnnual premium for high-risk driver
Wells$1,699$2,521
Carlin$1,703$2,527
Elko$1,712$2,544
Ely$1,732$2,571
Fallon$1,828$2,717
Sparks$1,958$2,926
Mesquite$1,997$2,986
Indian Springs$2,086$3,081
Henderson$2,331$3,484
Las Vegas$2,594$3,871

How to reduce car insurance rates in Nevada for a bad driving record

Finding affordable car insurance in Nevada is possible, even with a bad driving record. Ways to lower car insurance rates include:

  • Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
  • Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
  • Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
  • Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
  • Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Nevada?

Three years is common, but how long you are considered a high-risk driver in Nevada depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Nevada car insurance laws for high-risk drivers

If you're a high-risk driver in Nevada, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

Tip icon You might also be interested in