Edited By Renata Balasco
Here's what you need to know when driving in Nevada
Across the Silver State, there are 71,315 miles of road just waiting to be driven. Learn below about average insurance rates in Nevada for a variety of driving profiles. Then, compare quotes for free to discover your new, lower insurance rate.
Affordable insurance companies in Nevada
What's the cheapest car insurance in Nevada?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | Travelers | $921 |
| 2 | Safeco | $1,333 |
| 3 | USAA | $1,343 |
| 4 | Progressive | $1,359 |
| 5 | Allied | $1,452 |
| 6 | State Farm | $1,502 |
| 7 | MetLife | $1,599 |
| 8 | American Family | $2,066 |
| 9 | Mercury | $2,396 |
| 10 | Farmers | $2,432 |
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Cheap auto insurance for good drivers in Nevada
Drivers with clean driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Nevada drivers without a recent at-fault accident typically save 34% on their car insurance premiums — a bit better than the 32% US average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
| Rating Factor | $ Savings | % Savings |
|---|---|---|
| No Traffic Tickets | $367 | 19.44% |
| No Accidents | $784 | 34.02% |
| Good Credit | $2,160 | 58.69% |
Cheap auto insurance for young drivers in Nevada
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Nevada, the typical teen driver pays more than $6,200 annually, far exceeding the national average and about four times as much as a typical Nevada driver.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $6,642 | $8,947 |
| 17 | $6,195 | $6,973 |
| 18 | $6,157 | $6,163 |
| 19 | $5,412 | $3,765 |
Cheap auto insurance for bad drivers in Nevada
If you have a good driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 37% after a DUI, 34% after an at-fault accident, and 19% after a speeding ticket in Nevada. The post-citation penalties assessed by car insurance companies in Cornhusker State roughly align with national averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $2,304 | 34.02% |
| DUI | $2,445 | 37.83% |
| Speeding Violation | $1,887 | 19.44% |
| Bad Credit | $3,680 | 58.69% |
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Top rated car insurance companies in Nevada
Every auto insurer advertises its low rates. But as with any product, the most affordable car insurance option is not always the finest choice. Considering the financial stakes, it's worth doing your research to discover an auto policy that protects your car adequately in the event of a collision. Exercise some patience and look for the best value, rather than settling for the cheapest car insurance you can find.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
| Insurance Company |
Claims Satisfaction (J.D. Power) |
Customer Satisfaction (J.D. Power) |
Financial Strength (A.M. Best) |
Customer Satisfaction (The Zebra) |
| Allied | N/A | N/A | Average | N/A |
| Allstate | Average | Average | Superior | 4.3 / 5 |
| American Family | Above average | Excellent | Excellent | 4.3 / 5 |
| Mercury | N/A | Poor | Excellent | N/A |
| MetLife | N/A | Below average | Excellent | N/A |
| Nationwide | Average | Poor | Superior | 4.3 / 5 |
| Progressive | Below average | Below average | Excellent | 4.3 / 5 |
| State Farm | Above average | Above average | Superior | 4.5 / 5 |
| Travelers | Average | Below average | Superior | 4.3 / 5 |
| USAA | Excellent | Excellent | Superior | 4.6 / 5 |
Nevada auto insurance laws
In Nevada, each driver must maintain auto insurance at or above the below levels:
- 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):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
If you elect the minimum coverage level in Nevada, you could owe an average of $1,128 per year. This is more costly than the national average by 72%. If you want better auto insurance coverage, you can choose a policy with comprehensive and collision coverage, which will protect against the costs of car-vs.-car accidents, theft and vandalism, or weather conditions. However, better insurance coverage has a price: in Nevada, a comprehensive insurance policy with a $1,000 deductible costs $1,677, 49% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, expect to pay 59% more than for liability-only coverage.
Learn more about auto insurance rules in Nevada.
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How tickets change insurance rates in Nevada
If you receive a ticket or citation, your auto insurance costs will probably go up. By how much depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at car insurance costs in Nevada after some common violations.
Nevada car insurance FAQs
Who has the cheapest car insurance in Nevada?
Travelers ($460) and Safeco ($666) offer the cheapest car insurance policies in Nevada. Other cheap providers include USAA, Progressive and Allied.
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 six-month policy in Nevada costs $895.
Why is Nevada car insurance so expensive?
Car insurance in Nevada is 28% 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.
How much does car insurance cost in Nevada cities?
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Fallon, Nevada, and the most expensive in Spring Valley, Nevada.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Spring Valley | $2,853 |
| 2 | Paradise | $2,755 |
| 3 | Sunrise Manor | $2,699 |
| 4 | Las Vegas | $2,640 |
| 5 | Enterprise | $2,628 |
| 6 | North Las Vegas | $2,539 |
| 7 | Henderson | $2,312 |
| 8 | Reno | $1,733 |
| 9 | Sparks | $1,722 |
| 10 | Fallon | $1,427 |
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