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If you’re a driver in Nevada with at-fault accidents, multiple tickets or a DUI on your record, it may be tough to find low car insurance rates. That’s because these types of issues may lead to you being considered a high-risk driver in this state, which typically leads to higher rates on car insurance.

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But higher car insurance rates aren’t the only issue you may face if you’re found at fault for reckless or high-risk driving in Nevada. In this state, it could also lead to the suspension, restriction or revocation of your driver’s license. Luckily, if you’re a high-risk driver in Nevada, you may have the option to purchase high-risk auto insurance, which is alternative coverage that may benefit you if your traditional vehicle insurance t is no longer available or affordable.

High-risk car insurance rates in Nevada

The cost of your Nevada vehicle insurance depends on your driving record, vehicle and level of coverage, among other things. Nevada high-risk auto insurance is often more expensive than traditional coverage. Each insurance carrier has its own threshold of risk when pricing your vehicle insurance. One carrier may provide affordable insurance for a driver with speeding tickets but increase premiums sharply after an accident or claim, and vice versa.

Rates after a speeding ticket

Depending on the carrier, speeding tickets could increase your car insurance rates by a lot or just a little. There is no formula to determine which insurance company will be cheaper after a speeding ticket. However, Bankrate’s analysis found Geico, Progressive and USAA to be the most affordable carriers on average.

Car insurance company Nevada average annual premium for full coverage before a speeding ticket Nevada average annual premium for full coverage after a speeding ticket % difference
Geico $1,120 $1,337 18%
Progressive $1,680 $2,299 31%
USAA $1,618 $1,893 16%

Rates after an accident

In Nevada, being held responsible for a car accident will typically increase your premiums more than a speeding ticket. However, high-risk auto insurance rates in Nevada after an accident vary immensely from one insurance company to another.

Car insurance company Nevada average annual premium for full coverage before an accident Nevada average annual premium for full coverage after an accident % difference
Geico $1,120 $1,784 46%
Progressive $1,680 $2,848 52%
USAA $1,618 $2,251 33%

Geico car insurance may start out as the cheapest coverage for safe drivers, but a single accident could increase your premiums by 46 percent on average. Still, the company has the cheapest premiums on our list after an accident. Meanwhile, Progressive’s rates increase 65% after an accident, making it the most expensive car insurance for drivers after a car accident on our list. In comparison, USAA’s rates increase just 33 percent after an accident. It is worth noting that USAA is only available to qualifying military members and their families.

Rates after a DUI

Driving under the influence may be the most dangerous risk a driver could take both financially and in terms of safety. And that risk is usually reflected in significantly higher car insurance rates. Consider that, with Geico, one of the cheapest auto insurance companies on the market, your premium could increase 86 percent after a DUI conviction.

Here’s how getting a DUI in Nevada can impact auto insurance rates.

Car insurance company Nevada average annual premium for full coverage before a DUI Nevada average annual premium for full coverage after a DUI % difference
Geico $1,120 $2,826 86%
Progressive $1,680 $2,389 35%
USAA $1,618 $3,406 71%

Drivers convicted of a DUI in Nevada will also need to ask their insurance company to file a certificate of financial responsibility (SR-22) with the DMV to drive legally.

Rates for teen drivers

Car insurance premiums for parents who add their teen kids to their car insurance policies in Nevada are higher than average, with Progressive clocking in with a sky-high average annual full coverage premium of $4,477.

Car insurance company Average annual premium for full coverage
Geico $2,129
Progressive $4,477
USAA $2,725

*18-year-old on their parent’s policy

Getting quotes from multiple carriers is the best way to find the most affordable car insurance. You may also want to look for all available discounts to keep your premium affordable.

Who is a high-risk driver?

High-risk drivers come in all ages and experience levels. Insurance companies consider drivers with a DUI conviction or more than one accident or moving violation high-risk.

Many states may suspend or revoke your license after accumulating six points, but Nevada is relatively generous and won’t revoke your license until you’ve accumulated 12 points in one year. While a speeding ticket will only get you one point in Nevada, a conviction for reckless driving could get you eight points.

How to lower your rate if you’re a high-risk driver

High-risk drivers have limited carrier options and higher premiums. One way to offset the limited options is by finding ways to decrease the cost of coverage:

  • Compare multiple carriers to find the cheapest coverage based on your current needs.
  • Apply as many discounts as possible. Some examples are accident forgiveness and multi-line discounts, as well as discounts for low-mileage drivers and student drivers.
  • Increase your deductible to the highest amount you can afford.

Saving as little as five to 10 percent on your car insurance could translate to hundreds of dollars over time.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

High-risk drivers

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.