Car Insurance in Nevada
- Compare the cheapest car insurance quotes in NV with The Zebra
- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Here's what you need to know when driving in Nevada
Car insurance in Nevada costs $1,768 per year — $239 more than the national average rate. Factors such as your age, location, driving record and more are taken into account when insurance companies generate quotes — so your own rate may be higher or lower than this average.
In our guide to Nevada car insurance, we analyzed average car insurance rates to help you find a budget-friendly policy that meets your needs. Continue reading to find out how much auto insurance costs in Nevada so you know what a fair premium looks like depending on your own rating factors. If you're ready to see how much you can save by shopping around, submit your ZIP code above to get cheap quotes from top insurance companies.
The best car insurance companies in Nevada
Here are the top three car insurance companies in Nevada, according to third-party ratings from J.D. Power.
USAA received a score of 863 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study and also won top marks in The Zebra's Customer Satisfaction Survey.
American Family was given a score of 850 out of 1,000, making it a top contender for the Southwest region.
One of the most popular insurance companies in the U.S., State Farm received a positive assessment in J.D. Power's study with a score of 847.
The cheapest car insurance companies in Nevada
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from GEICO at $1,205 annually or $100 per month.
For teen drivers in Nevada, GEICO is the most affordable.
Progressive is the cheapest insurance company in Nevada for drivers with a DUI.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Nevada auto insurance laws
Having car insurance is a requirement by law in Nevada and almost every state. Every driver must have at least the state minimum level of coverage in order to be road-legal, and also be able to show proof of insurance. Every state sets its own minimum limits for auto insurance.
Opting for the legal minimum coverage level is must more affordable than full coverage, but it can be risky — if you cause a catastrophic accident, you'd be caught in a situation where the minimum coverage isn't enough to cover all the damage, leaving you liable to cover the rest out-of-pocket. Having liability-only insurance also wouldn't cover any damage to your own vehicle. In Nevada, it costs about $723 every year for the state minimum level of coverage. This rate is less expensive than the nationwide average by 53%.
State minimum coverage
In order to drive legally in the state of Nevada, you must carry at least the minimum liability limits listed below:
- Bodily injury: $25,000 per person
- Bodily injury: $50,000 per accident
- Property damage: $20,000 per accident
Optional coverage in Nevada (varies by carrier):
- Gap coverage
- Medical payments
- Roadside assistance
- Uninsured/underinsured motorist coverage
If you want more protection beyond the minimum, and coverage for your own car, you can opt for a policy with comprehensive and collision. This will protect you against the financial ramifications of car accidents, theft, vandalism or weather incidents. This is commonly known as full coverage.
Full coverage, however, comes at a higher cost. A full coverage insurance policy with a $1,000 deductible costs $1,648 in Nevada — that's 128% more than liability-only insurance. If you choose a full coverage policy with a $500 deductible, expect to pay 164% more than you would for basic coverage.
Compare car insurance rates from the best companies in Nevada.
Nevada car insurance premiums by rating factor
Rating factors such as your coverage level, age and driving history affect what you pay for car insurance. These will differ from person to person, and every company weighs these factors differently when generating quotes.
Consult average rates by rating factor below to get a better understanding of how much you can expect to pay in Nevada.
Cheap auto insurance in Nevada for minimum coverage
Getting liability-only coverage is much more affordable than full coverage. However, it can leave you at risk if you get in an accident. In Nevada, the average cost for minimum coverage is $60 per month, or $723 yearly — a savings of $1,186 compared to full coverage.
Cheap auto insurance in Nevada with bad credit
Almost every state includes credit score as a rating factor. Past data inform insurers that those with poor credit are more likely to file claims, making them riskier to insure. This is why drivers with bad credit are charged much higher rates. In Nevada, people with poor credit generally pay an additional $1,421 yearly compared to drivers with excellent credit. Consult sample rates from different insurance companies below and use this information as a jumping-off point in your search for affordable insurance with bad credit.
Cheap auto insurance in Nevada with an at-fault accident
It's no secret that causing an accident will make your car insurance more expensive. Like bad credit, a history of accidents and citations is another risk indicator. In Nevada, a recent at-fault accident can raise your rate by as much as $1,139 annually.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Nevada
Teens and drivers in their 20s pay the most for car insurance compared to older age groups. This is due to younger drivers' relative inexperience on the road compared to older drivers. Teen drivers pay more than three times the national average rate. In Nevada, teens pay $6,557 per year, which is more than $5,000 over the national average and over three times as much as a Nevada driver in their 30s.
Nevada auto insurance rate by violation
Because every insurer's pricing standards are different, it's difficult to say how much exactly you can expect your rate to increase after getting a ticket or citation. Using data, however, we can provide general estimates.
See below for average auto insurance rates in Nevada after a variety of citations.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$2,229||0%||$0|
|Two Med/PIP claims||$2,259||1%||$30|
|One comp claim||$2,265||2%||$36|
|Two comp claims||$2,352||6%||$123|
|Failure to wear a seat belt||$2,516||13%||$287|
|Failure to show documents||$2,536||14%||$307|
|Child safety restraint||$2,548||14%||$320|
|Driving without lights||$2,573||15%||$344|
|Driving with expired registration||$2,584||16%||$355|
|Cell phone violation||$2,683||20%||$455|
|Texting while driving||$2,692||21%||$463|
|Speeding 6 - 10 MPH over limit||$2,695||21%||$466|
|Speeding in school zone||$2,700||21%||$471|
|Speeding 11 - 15 MPH over limit||$2,701||21%||$473|
|Failure to yield||$2,702||21%||$473|
|Speeding 16 - 20 MPH over limit||$2,705||21%||$476|
|Failure to stop at a red light||$2,706||21%||$477|
|Driving too slowly||$2,708||22%||$480|
|Following too closely||$2,721||22%||$492|
|Wrong way/wrong lane||$2,721||22%||$492|
|In 65 MPH zone||$2,808||26%||$579|
|Speeding 21 - 25 MPH over limit||$2,875||29%||$647|
|Passing school bus||$2,887||30%||$658|
|At-fault accident - less than $1000||$2,955||33%||$727|
|Operating a vehicle without permission||$2,982||34%||$753|
|At-fault accident - greater than $2000||$3,197||43%||$968|
|At-fault accident - $1000-$2000||$3,197||43%||$968|
|Refusal to submit to a chemical test||$3,673||65%||$1,444|
|Driving with a suspended license||$3,761||69%||$1,532|
|Leaving scene of an accident/hit and run||$3,988||79%||$1,759|
Nevada DUI laws
If you get a DUI in Nevada, your premium can increase by over $1,500 annually. It can be a challenge to find affordable car insurance with a recent DUI on your record, as it often triggers a larger uptick in premium costs than many other citations.
Low-cost car insurance after a DUI in Nevada
It’s of the utmost importance to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Nevada. Car insurance premiums following a DUI can vary substantially by insurance company. For example, the least expensive car insurance company with a DUI in Nevada, Progressive, advertises annual rates 41% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Nevada is GEICO, while the most expensive is Nationwide, with prices 5% above average.
The truth is that finding a cheap car insurance quote after a DUI that's as low as the one you'd get without a DUI on your record is unlikely. The recommended way to save after a DUI citation is to shop around with as many companies as possible.
Nevada SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Nevada to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Nevada might require some research, but it should be doable.
How to acquire an SR-22 in Nevada
For currently insured drivers
If you already have an active auto insurance policy, requesting an SR-22 is fairly straightforward. Call your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should shop around for a new auto insurance company.
For uninsured drivers
When filing for a new policy, you might have to pay an up-front fee to have your prospective insurer file an SR-22 request for you and provide coverage for your high-risk driving profile. Needing an SR-22 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.
Find an affordable policy in Nevada in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, and an important one is the location of the vehicle. The cheapest car insurance in Nevada is found in Fallon and the most expensive in Winchester.
Have a look at the table below to see average car insurance costs in some of Nevada's biggest cities.
Car insurance price trends in Nevada
In Nevada, average annual auto insurance costs increased by $24 in the past year. A typical Nevada driver pays an average of $1,768 per year.
Year over year pricing trends in Nevada tend to be more volatile compared to rates across the United States. The highest surge of over $500 occurred in 2016, while the most notable decrease took place in 2012. While the cost of car insurance has overall increased over the past 10 years in Nevada, premiums have come down from their peak in recent years, especially in 2020.
|Year||Avg. Annual Premium — Nevada||Yearly Change — Nevada||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Nevada car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Nevada auto insurance.
Who has the cheapest car insurance in Nevada?
GEICO ($1,205/year) and USAA ($1,579) offer the cheapest car insurance policies for full coverage in Nevada.
How much is car insurance in Nevada?
Your insurance rate will vary based on you and your location. For the average driver with no tickets or accidents, a full coverage policy in Nevada costs $1,768 annually.
Why is Nevada car insurance so expensive?
Car insurance in Nevada is 16% more expensive than it is across the U.S. This is due to the number of claims and uninsured drivers in the state. If you're looking to lower your premium, use our comparison tool to view your options side-by-side.
Save money on your next car insurance policy!
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.