Which company has the cheapest car insurance in Nevada for a bad driving record?
State Farm offers the cheapest average car insurance rate for high-risk drivers in Nevada at $2,309 a year. Travelers and Mercury Insurance also provide below-average rates for drivers with traffic violations, accidents or other risk factors.
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.
| 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?
The average cost of high-risk car insurance in Nevada is $3,072 annually. However, some insurers offer rates far below the state average, with premiums starting around $2,309 per year.
Not every high-risk factor affects premiums equally. A single speeding ticket may cause only a moderate increase, while multiple violations, at-fault accidents or poor credit can raise rates substantially.
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?
State Farm offers the cheapest average rates after a DUI in Nevada 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 |
What is the cheapest car insurance in Nevada with multiple tickets?
State Farm has the cheapest average rates for drivers with multiple tickets at $1,543 annually or $129 monthly.
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 |
Expert's Insight
Two minor tickets can sometimes cost you more on insurance than one major violation.
Which company offers the cheapest insurance for reckless driving in Nevada?
State Farm offers the cheapest average reckless driving insurance rates in Nevada at $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 |
Expert's Insight
Some insurers may limit your coverage options after a reckless driving conviction, making quote comparisons even more important.
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 offers the cheapest average post-accident rates in Nevada at $1,663 annually. Travelers also provides relatively affordable rates at $2,802 per 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 |
Expert's Insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city is the cheapest for high-risk car insurance in Nevada?
Wells has the cheapest average high-risk car insurance rates in Nevada at $2,521 annually. In comparison, Las Vegas has the highest average premiums at $3,871 per 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 |
How can high-risk drivers lower their car insurance rates in Nevada?
High-risk drivers in Nevada can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.
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.
- Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
- 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.
What are Nevada's insurance requirements 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.
An SR-22 is not an insurance policy and doesn't require special 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:
- 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
FAQ: High-risk car insurance in Nevada
Can high-risk drivers get full coverage car insurance in Nevada?
Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.
Does an SR-22 automatically make your insurance more expensive in Nevada?
An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.
Will my car insurance rates go down after three years in Nevada?
Yes. Your rates will decrease if you avoid new violations, maintain coverage and keep a clean driving record for several years.
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
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