Advertiser Disclosure


At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

Cheapest Insurance Companies for High Risk Drivers in Nevada (2022)

For drivers that are high-risk in Nevada, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Nevada. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Nevada.

CarrierAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Travelers$225
Kemper$288
Safeco Insurance$307
American Family Insurance$336
Mercury$347
Dairyland Insurance$372
Liberty Mutual$473

What Makes a Driver High-Risk in Nevada?

Car insurance in Nevada can be somewhat costly even for the safest of drivers, so it's definitely worth paying attention while you're on the road to avoid paying high-risk rates. If you accidentally run a stop sign, speed, or change lanes too frequently, you may find yourself being included in this category and could end up seeing your premiums rise dramatically.

Should you find yourself faced with a larger car insurance bill in Nevada, you do have options. A wide range of carriers work with those who have a history of driving violations and can work with your budget to determine the best type of policy for your needs.

Nevada Car Insurance Rates for High-Risk Drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does High-Risk Driving Affect Car Insurance Rates in Nevada?

Motorists in Nevada may wonder what constitutes high-risk behavior, as avoiding it is a wise financial decision. Whenever an insurance company finds that it's riskier to cover an individual due to speeding, multiple accidents, or reckless driving, they must charge more to ensure they can pay in the event of a claim.

Companies that work with high-risk drivers are typically well-versed in balancing adequate coverage options and trying to keep prices low, so it's smart for Nevada drivers to work with one of these carriers. In general, motorists can expect their new rates to look similar to this list:

Driving HistoryAvg. Monthly Cost
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$292
Speeding Ticket$307
At-Fault Accident$363
Reckless Driving$361
Failure to Stop$350

How Much Does a Speeding Ticket Impact Car Insurance Rates in Nevada?

Although it might not seem like much on a monthly basis, the extra $15 every 30 days that you'll pay after a speeding ticket adds up quickly. Drivers in Nevada will most likely find their rates going up after this violation, with average price increases like this one affecting their policy:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How Does an at-Fault Accident Impact Insurance Rates in Nevada?

Even the smallest fender bender can equal a large amount of out-of-pocket costs when you consider your insurance deductible and any additional repairs you may face. Once your car is fixed, the expenses don't stop, as Nevada residents often find their insurance rates rise a considerable amount:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Nevada?

Whether you're in a hurry to reach your destination or you simply didn't see that you had to stop, driving straight through an intersection can affect your car insurance rates. Nevada drivers who receive a citation for this infraction end up paying more each month for their premium, with rates averaging around the following figure:

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Does Driving With a Suspended License Impact Car Insurance Rates in Nevada?

Car insurance in Nevada can be somewhat costly even for the safest of drivers, so it's definitely worth paying attention while you're on the road to avoid paying high-risk rates. If you accidentally run a stop sign, speed, or change lanes too frequently, you may find yourself being included in this category and could end up seeing your premiums rise dramatically.

Should you find yourself faced with a larger car insurance bill in Nevada, you do have options. A wide range of carriers work with those who have a history of driving violations and can work with your budget to determine the best type of policy for your needs.

Tips for Researching High-Risk Nevada Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Nevada draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Nevada Car Insurance

  • Why is car insurance so expensive in Nevada?

    There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Do car insurance rates vary by county in Nevada?

    Auto insurance costs will vary between locations and insurance carriers, depending on the county Nevada. Insurify analyzed the latest data for the five most populous cities in Nevada to find you the cheapest quotes in each of these metropolitan areas.

  • Which providers have the best auto insurance ratings in Nevada?

    The way to find the carrier with the best auto insurance ratings in Nevada and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • How much do annual auto insurance rates increase in Nevada?

    During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Methodology

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Courtney Levin
Courtney LevinInsurance Writer

A licensed insurance professional, Courtney Levin has been a personal finance writer since 2016. She graduated from Sonoma State University with a degree in communications and has been creating content for Insurify for more than two years. She specializes in auto insurance and personal finance and strives to help customers understand the ins and outs of their insurance policies.