Cheap Nevada Car Insurance

Find affordable insurance that works for you in Nevada. Compare quotes from over 100 top companies.

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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 Premiums in Nevada

What's the cheapest car insurance in Nevada?
RankCompany NameAvg. Annual Premium
1Travelers$921
2Safeco$1,333
3USAA$1,343
4Progressive$1,359
5Allied$1,452
6State Farm$1,502
7MetLife$1,599
8American Family$2,066
9Mercury$2,396
10Farmers$2,432

Compare quotes from over 20 insurance companies that provide coverage throughout Nevada. Enter your ZIP code below to get started.

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Cheap Insurance for Good Drivers in Nevada

Drivers with good 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$36719.44%
No Accidents$78434.02%
Good Credit$2,16058.69%

Cheap 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.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$6,642$8,947
17$6,195$6,973
18$6,157$6,163
19$5,412$3,765

Cheap Car Insurance for Bad Drivers in Nevada

If you have a clean 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 FactorAnnual Rate% Increase
At-Fault Accident$2,30434.02%
DUI$2,44537.83%
Speeding Violation$1,88719.44%
Bad Credit$3,68058.69%

Best 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.

Review local and national insurance companies' financial strength and claims satisfaction ratings to better understand the level of service you can expect. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurer's financial strength and ability to meet its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allied3Superior
Allstate3Superior
Bristol WestNot RatedExcellent
Country3Superior
EncompassNot RatedSuperior
Farmers3Excellent
GEICO3Superior
Liberty Mutual3Excellent
Mercury2Superior
MetLife3Superior
Nationwide4Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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What is the Best Car Insurance Coverage in Nevada?

The required minimum insurance level in Nevada is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $20,000 Property Damage per accident.

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.

Compare average costs for liability-only and comprehensive coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Nevada$1,128.31$1,677.11$1,791.33
National Average$657.66$1,241.26$1,397.94

Nevada Auto Insurance Laws

State minimum insurance requirements in Nevada

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

Learn more about auto insurance rules in Nevada.

Driving Laws in Nevada

Nevada texting and driving laws

  1. Ban on hand-held cell phones
  2. Ban on text messaging for all drivers

Nevada DUI laws

The DUI lookback period in Nevada is seven years. Multiple offenses within this timeframe subject you to harsher penalties.

“Aggravating circumstances,” such as DUI while transporting a minor, a BAC of 0.18% or higher, or DUI that causes injury or death, may also lead to enhanced penalties.

First-time DUI offenses in Nevada lead to:

  • Two days to six months in jail
  • 96 hours of community service in lieu of jail
  • $400 to $1,000 in fines
  • 90-day license revocation
  • Mandatory attendance in driving school
  • Possible requirement to complete a substance abuse treatment program
  • May be required to use an ignition interlock device for three to six months

Ticket Impact on Auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$3,13864%$1,223
Refused Breathalyzer/Chemical Test$2,88251%$968
DUI$3,05359%$1,138
Racing$3,13864%$1,223
Reckless Driving$3,13864%$1,223
Driving with a Suspended License$3,13864%$1,223
At-Fault Accident$2,87450%$959
Driving with an Open Container$2,51231%$597
Operating a Vehicle Without Permission$2,73043%$815
Passing a School Bus$2,56634%$651
Improper Passing$2,44928%$535
Following Too Closely$2,44928%$535
Speeding$2,41526%$501
Failure to Stop at a Red Light$2,44928%$535
Illegal Turn$2,44928%$535
Driving Wrong Way/Wrong Lane$2,42327%$509
Failure to Yield$2,44928%$535
Speeding in a School Zone$2,44228%$527
Driving Too Slowly$2,44228%$527
Distracted Driving$2,29920%$384
Driving with Expired Registration$2,19715%$282
Failure to Show Documents$2,0266%$111
Not-at-Fault Accident$2,13411%$220
Failure to Use Child Safety Restraint$2,0266%$111
Failure to Wear a Seat Belt$2,0055%$90
Driving Without Lights$1,9361%$21

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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.

Yes. To register a vehicle in Nevada, you will need proof of insurance as well as title and inspection documentation.

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.

RankCityAvg. Annual Premium
1Spring Valley$2,853
2Paradise$2,755
3Sunrise Manor$2,699
4Las Vegas$2,640
5Enterprise$2,628
6North Las Vegas$2,539
7Henderson$2,312
8Pahrump$2,000
9Boulder City$1,981
10Reno$1,733
11Sparks$1,722
12Sun Valley$1,716
13Spanish Springs$1,682
14Mesquite$1,640
15Carson City$1,525
16Fernley$1,501
17Dayton$1,469
18Spring Creek$1,459
19Elko$1,454
20Fallon$1,427

Recent Nevada Car Insurance Questions and Answers

Was I right to file a claim with my insurance when I was not at fault? Will my premiums go up?

Sorry to hear about the accident. I do think you made the right decision in filing a claim for your damages.

Need long term rental car insurance

You basically have two options. First, you can buy the insurance offered by the rental dealership, which can be somewhat expensive depending on the company and policy.

My son got a DUI, I will be selling the vehicle & removing him from my GEICO policy. Do I need to report it?

If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.

How long do I have to file a claim in Nevada?

You should keep in mind that you will have to pay your deductible if you decide to file a claim. Since you hit a curb, it will be considered an at fault accident and your rate will likely be increased.


Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.