Cheapest car insurance for high-risk drivers in Nevada

Cheapest car insurance in Nevada for a bad driving record

Drivers with a poor record in Nevada will find the lowest rates from State Farm, Travelers and Mercury Insurance. Among these, State Farm provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,309 annually.

If you have accidents, DUIs or traffic tickets on your driving record, youll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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

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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.

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.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Nevada, NV is $3,293

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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

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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

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

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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

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Cheapest car insurance in Nevada with a reckless driving conviction

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

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.

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

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Cheapest car insurance in Nevada with bad credit

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

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Cheapest car insurance after an accident in Nevada

State Farm offers the lowest rates after an accident, averaging $1,663 per year. Travelers is another budget-friendly option, with rates around $2,802 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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

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Cheapest car insurance in Nevada by city

In Nevada, the lowest car insurance rates are found in Wells, averaging $2,521 annually. On the other hand, Las Vegas has the highest rates at $3,871 a year.

Where you live in Nevada matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

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

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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 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.

Nevada car insurance laws for high-risk drivers

If you're considered a high-risk driver in Nevada, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.

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: