- Does a DUI raise car insurance rates in Nevada?
- How much does a DUI raise your insurance in Nevada?
- If someone gets a DUI in your car, does it go on your insurance?
- How long does a DUI affect your insurance in Nevada?
- How much does a DUI raise insurance by age group?
- How much does a DUI raise your insurance in your city?
- How to get car insurance after a DUI in Nevada
- Nevada DUI insurance requirements and penalties
- How long after a DUI does your insurance go down?
- Tips to save money after a DUI
- Methodology
- Nevada DUI insurance: Frequently asked questions
- Compare Nevada DUI car insurance rates with other states
Does a DUI raise car insurance rates in Nevada?
With a clean driving history, car insurance in Nevada averages $2,060. After a DUI, the rate increases to $3,286, which is $1,226 more.
Auto insurance companies substantially increase premiums when they classify you as a high-risk driver. If you accumulate multiple DUIs, average rates escalate drastically to $4,592.
How much does a DUI raise your insurance in Nevada?
The cheapest insurer after a DUI is State Farm, with average premiums of $1,543. The next most affordable option is Travelers, where rates are $1,527 higher than those of State Farm. Progressive offers the third-lowest car insurance rates for drivers with a DUI.
Driving under the influence is both dangerous and expensive. You'll face substantial fines and increased car insurance rates for many years. Because each insurer handles a DUI differently and sets its own pricing, comparing quotes from several companies is essential.
The table below lists theaverage car insurance rates after a DUI in Nevada.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| State Farm | $1,443 | $1,543 | $1,543 |
| Travelers | $1,995 | $3,070 | $4,416 |
| Progressive | $2,482 | $3,480 | $4,422 |
| Allstate | $2,614 | $3,548 | $4,956 |
| Mercury Insurance | $2,156 | $3,821 | $5,662 |
| American Family | $2,429 | $4,022 | $6,143 |
| GEICO | $1,708 | $4,189 | $5,978 |
| Farmers | $2,328 | $4,552 | $6,992 |
| CSAA Insurance (AAA) | $3,651 | $5,110 | $8,225 |
| USAA | $1,672 | $3,352 | $3,945 |
PEOPLE ASK:
What happens when you get a DUI in Nevada?
If you're convicted of a DUI in Nevada, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for seven years.
If someone gets a DUI in your car, does it go on your insurance?
Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.
However, your premiums may increase if your vehicle is involved in a crash resulting from a DUI. Your car may also be held as a crime scene after the incident, which means you won't be able to access it until the police have cleared it.
How long does a DUI affect your insurance in Nevada?
While a DUI may remain on your driving record forever, it doesn't affect rates forever. A DUI affects Nevada car insurance and stays on your record for seven years. Your car insurance rates should begin to decrease after several years with no further infractions on your driving record.
PEOPLE ASK:
Will I have difficulty getting car insurance after a DUI?
It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.
How much does a DUI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DUI increases rates significantly, younger driver's car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DUI is $4,047.
Here are the most affordable insurers after a DUI by age:
- For teens: State Farm offers the lowest rate at $4,047.
- For young adults: State Farm provides the cheapest coverage for young adults at $1,810.
- For adults: State Farm is the most affordable option, with an average rate of $1,543.
- For seniors: State Farm offers the lowest average rate at $1,442.
This table illustrates how a DUI impacts car insurance rates across different age groups.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| State Farm | $3,744 | $4,047 | $303 | 8% |
| Travelers | $5,928 | $9,044 | $3,116 | 53% |
| American Family | $5,497 | $9,775 | $4,278 | 78% |
| Mercury Insurance | $8,135 | $9,909 | $1,774 | 22% |
| GEICO | $4,689 | $10,445 | $5,756 | 123% |
| Progressive | $10,716 | $12,572 | $1,856 | 17% |
| Allstate | $9,061 | $13,219 | $4,158 | 46% |
| CSAA Insurance (AAA) | $11,013 | $15,977 | $4,964 | 45% |
| Farmers | $9,868 | $20,114 | $10,246 | 104% |
| State Farm | $3,744 | $4,047 | $303 | 8% |
| Travelers | $5,928 | $9,044 | $3,116 | 53% |
| American Family | $5,497 | $9,775 | $4,278 | 78% |
| Mercury Insurance | $8,135 | $9,909 | $1,774 | 22% |
| GEICO | $4,689 | $10,445 | $5,756 | 123% |
| Progressive | $10,716 | $12,572 | $1,856 | 17% |
| Allstate | $9,061 | $13,219 | $4,158 | 46% |
| CSAA Insurance (AAA) | $11,013 | $15,977 | $4,964 | 45% |
| Farmers | $9,868 | $20,114 | $10,246 | 104% |
| USAA | $4,896 | $8,430 | $3,534 | 72% |
| USAA | $4,896 | $8,430 | $3,534 | 72% |
How much does a DUI raise your insurance in your city?
The most affordable city in Nevada for car insurance after a DUI is Wells, while the most expensive is Las Vegas, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $4,134. Where you live affects your insurance costs even without a DUI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DUI then pushes those already high rates even higher.
This table shows average DUI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Carlin | $1,703 | $2,729 | $1,026 | 60% |
| Elko | $1,712 | $2,742 | $1,030 | 60% |
| Ely | $1,732 | $2,770 | $1,038 | 60% |
| Fallon | $1,828 | $2,929 | $1,101 | 60% |
| Henderson | $2,331 | $3,737 | $1,406 | 60% |
| Indian Springs | $2,086 | $3,306 | $1,220 | 58% |
| Las Vegas | $2,594 | $4,134 | $1,540 | 59% |
| Mesquite | $1,997 | $3,212 | $1,215 | 61% |
| Sparks | $1,958 | $3,137 | $1,179 | 60% |
| Wells | $1,699 | $2,726 | $1,027 | 60% |
| Carlin | $1,703 | $2,729 | $1,026 | 60% |
| Elko | $1,712 | $2,742 | $1,030 | 60% |
| Ely | $1,732 | $2,770 | $1,038 | 60% |
| Fallon | $1,828 | $2,929 | $1,101 | 60% |
| Henderson | $2,331 | $3,737 | $1,406 | 60% |
| Indian Springs | $2,086 | $3,306 | $1,220 | 58% |
| Las Vegas | $2,594 | $4,134 | $1,540 | 59% |
| Mesquite | $1,997 | $3,212 | $1,215 | 61% |
| Sparks | $1,958 | $3,137 | $1,179 | 60% |
| Wells | $1,699 | $2,726 | $1,027 | 60% |
How to get car insurance after a DUI in Nevada
Insurers will label you as a high-risk driver after a DUI, but that doesn't mean you can't get car insurance. Finding the best fit after a DUI conviction may require a little work.
If you have car insurance and get a DUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a DUI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Nevada since each insurer offers different rates after a DUI.
Nevada DUI insurance requirements and penalties
A DUI in Nevada requires you to follow certain rules for high-risk drivers. In Nevada, you are required to obtain an SR-22. An SR-22 is a document your insurer files with the state to prove you carry at least the minimum level of car insurance required by law. The SR-22 itself doesn't raise your rates, but the violation that triggered the requirement does.
A DUI can result in fines, a suspended driver's license, vehicle impoundment, and even jail time. Repeat offenses come with even tougher consequences. You may also be responsible for attorney costs, towing expenses, and impound fees.
The table below outlines Nevada DUI laws and penalties for first and repeat offenses.
| Increased penalty for high BAC | Administrative license suspension after a first offense | Limited driving privileges during suspension | Ignition interlocks | Open container laws | Repeat offender laws |
|---|---|---|---|---|---|
| 0.18 | 90 days | After 45 days | Mandatory for all convictions | Yes | Yes |
| 0.18 | 90 days | After 45 days | Mandatory for all convictions | Yes | Yes |
*BAC is blood alcohol concentration
How long after a DUI does your insurance go down?
A DUI impacts car insurance rates for at least three years, although the exact duration depends on the state. In some places, such as California, a DUI can influence your rates for up to 10 years.
Drivers in Nevada can expect elevated car insurance rates after a DUI and expect it to stay on their record for seven years.
Tips to save money after a DUI
A DUI can cost you thousands in fines, fees, and higher car insurance premiums. Fortunately, you can still take steps to reduce your rates after a DUI.
Ways Nevada drivers can reduce car insurance costs after a DUI include:
- Raising your deductible to lower your premium
- Checking for discounts, such as multi-policy savings or vehicle safety feature discounts
- Maintaining a clean driving record moving forward
- Completing a defensive driving course
- Working to improve your credit score
- Comparing quotes from several insurers
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.
Unless otherwise indicated, 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
Additional rate data is drawn based on:
- One and two DUI convictions
- Ages ranging from 16 to 75
Learn more about our data and methodology.
Nevada DUI insurance: Frequently asked questions
How far back do insurance companies look for a DUI?
DUIs can stay on your driving record for up to 10 years, depending on your state. Typically, a DUI stops affecting car insurance rates in three to five years.
Will my insurance drop me after a DUI in Nevada?
Most insurers won't drop you after one DUI, but rates will increase significantly. However, multiple DUIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Compare Nevada DUI car insurance rates with other states
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