DUI Car Insurance in Nevada (2025)
Drivers in Nevada with a DUI pay an average of $324 per month for car insurance.
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Because drunk driving arrests are more common in Nevada than in other states, the state has harsher penalties.1 Besides the potential for fines, jail time, or the loss of your driver’s license, you’ll likely also face steep increases in car insurance premiums if you have a DUI.
On average, drivers with a DUI on their record pay $259 per month for state-minimum liability coverage, compared to drivers with a clean record who pay $161 for liability-only policies.
Even with a DUI, you still have ways to find more affordable car insurance in Nevada. Here’s what you need to know.
Cheapest car insurance quotes after a DUI in Nevada
After a DUI conviction, insurance companies consider you high risk. So, insurance rates for drivers with DUIs vary significantly by insurance company. While some insurance companies charge hundreds or even thousands more for coverage, other insurance companies are more competitive. For example, COUNTRY Financial and State Farm tend to have the lowest rates for drivers with DUIs on their records.
Below are the cheapest companies for DUI insurance in Nevada:
How a DUI affects car insurance rates in Nevada
After a DUI conviction, you can expect a steep increase in car insurance rates. In Nevada, people with clean driving records pay an average of $201 per month. By contrast, drivers with a DUI pay an average of $324 per month.
The table below shows the average liability rates for drivers with a DUI and drivers with a clean record.
How to get car insurance with a DUI in Nevada
After a DUI conviction, getting adequate auto coverage can be challenging, but it’s possible if you follow these steps:2
DUI laws in Nevada
In Nevada, you could end up with a DUI conviction in three ways:3
Regardless of your blood alcohol level (BAL), you drove or were in physical control of a vehicle while under the influence of alcohol or drugs (including prescription medications) to an unsafe degree.
You drove with a BAL of 0.08 or higher, as proven with a blood test or breathalyzer test.
A breath or blood sample was taken within two hours of driving and found to have a concentration of alcohol of 0.08 or higher.
DUI penalties
The penalties of receiving a DUI conviction in Nevada can be severe, but the consequences depend on whether you have a prior record.
Before a conviction of a first, second, or third offense, a driver can request alcohol or drug treatment to potentially minimize the penalties. For example, enrolling in an approved program may help you avoid jail time or reduce the fines.
DUI and driving records
A DUI conviction will remain on your criminal history file for life. If you’re convicted of a felony DUI in the future, you’ll be charged with a felony for any subsequent DUI arrest. The DUI conviction will remain on your driving history and affect your insurance rate for up to 10 years.
If the state revokes your driver’s license, you’ll have to complete the requirements for reinstatement and submit a request to regain driving privileges.
DUI insurance
If you’re convicted of a DUI, you’ll likely need to get an SR-22 certificate of financial responsibility, which proves you carry the state-minimum amount of coverage. Your insurer has to file the form with the Nevada Department of Motor Vehicles (DMV).
The state will require you to maintain SR-22 coverage for at least three years from the date of your driver’s license reinstatement.4 If you have a lapse in coverage, your insurer will notify the DMV, and your SR-22 requirement will restart.
Minimum car insurance requirements in Nevada
In Nevada, drivers must maintain auto insurance policies that meet the following minimum coverage requirements:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$20,000 in property damage liability
DUI car insurance in Nevada FAQs
If you have a DUI and are researching coverage options in Nevada, the following information can help you make an informed decision.
What is the cheapest car insurance company in Nevada after a DUI?
In Nevada, COUNTRY Financial has the lowest rates for drivers with DUIs on their records, with a monthly average of $72 for liability coverage. Every insurance company rates high-risk drivers differently, so it’s worth it to compare multiple insurers to secure a low rate.
How long will a DUI affect your car insurance premium?
A DUI will stay on your record permanently. But as long as you don’t have a repeat offense, it shouldn’t affect your car insurance rates after 10 years.
How much is DUI insurance in Nevada?
People with DUIs on their driving records pay an average of $324 per month for coverage in Nevada, according to Insurify data.
How much does SR-22 insurance cost in Nevada?
On average, SR-22 insurance that meets state-minimum liability insurance costs $238 per month in Nevada.
How long is an SR-22 required in Nevada?
If you need an SR-22 form, you’re required to maintain it for at least three years from the date your driver’s license was reinstated. If you have a lapse in coverage, your SR-22 requirement might restart.
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