- Which company has the cheapest car insurance in Nevada for a bad driving record?
- How much is high-risk car insurance in Nevada?
- What company offers the cheapest car insurance in Nevada after a DUI?
- Cheapest car insurance in Nevada with multiple tickets
- Which company offers the cheapest insurance for reckless driving in Nevada?
- Which company has the cheapest car insurance for drivers with bad credit in Nevada?
- What company has the cheapest car insurance in Nevada after an accident?
- Which city has the cheapest car insurance for high-risk drivers in Nevada?
- How can high-risk drivers lower their car insurance rates in Nevada?
- What are Nevada's insurance requirements for high-risk drivers?
- Compare Nevada high-risk driver car insurance rates with other states
Which company has the cheapest car insurance in Nevada for a bad driving record?
State Farm, Travelers, Mercury Insurance are the cheapest options. State Farm has the lowest annual rate at $2,309 per year.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual 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 problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Nevada, high-risk car insurance costs $3,072 per year. However, you can get rates as low as $2,309 annually from State Farm.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual 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 |
PEOPLE ASK:
Who is considered a high-risk driver 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.
What company offers the cheapest car insurance in Nevada after a DUI?
Although many insurance companies provide coverage after a DUI, State Farm offers the most affordable rate at $1,543 a year.
Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.
The table below compares average car insurance premiums in Nevada for drivers with a clean record versus those with a DUI.
| Company | Average annual premium for clean record | Annual 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
For drivers with multiple tickets, State Farm offers the lowest premiums, averaging $1,543 per year or $129 per month.
A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.
This table shows drivers in Nevada how much having multiple tickets can raise their insurance premiums.
| Company | Average annual premium for clean record | Annual 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 |
Key insight
Two minor tickets can sometimes cost you more on insurance in the end than one major violation.
Which company offers the cheapest insurance for reckless driving in Nevada?
State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $1,543 per year.
Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.
The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual 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 |
Key insight
A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.
Which company has the cheapest car insurance for drivers with bad credit in Nevada?
The cheapest Nevada insurer for bad credit is GEICO, with rates averaging $2,643 per year or $220 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing 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 statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Nevada car insurance.
| Company | Annual premium for good credit | Annual 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 |
What company has the cheapest car insurance in Nevada after an accident?
State Farm has the lowest average rates after an accident at $1,663 a year. Travelers also offers affordable rates, averaging $2,802 per year.
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.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual 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 |
Key insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city has the cheapest car insurance for high-risk drivers in Nevada?
Wells has the cheapest car insurance rates in Nevada, averaging $2,521 a year. However, the most expensive city is Las Vegas, with average insurance rates of $3,871 annually.
Where you live in Nevada also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual 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 can high-risk drivers lower their car insurance rates in Nevada?
Finding affordable car insurance in Nevada is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in Nevada also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- 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 California 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.
What are Nevada's insurance requirements for high-risk drivers?
If you're a high-risk driver in Nevada, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.
An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high risk drivers or handle SR-22 filings.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare Nevada high-risk driver car insurance rates with other states
You might also be interested in- Nevada car insurance laws and requirements: What is changing in 2026
- Nevada DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Nevada
- SR-22 insurance in Nevada
- Non-owner car insurance in Nevada: Best and cheapest companies
- Nevada gap insurance: Everything you need to know
- Low-income car insurance in Nevada
- Nevada car insurance coverage calculator
- Nevada car insurance guide
- Cheapest home and auto insurance bundle in Nevada
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