Cheap Nevada Car Insurance

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

or
Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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

Compare quotes from dozens of companies that provide coverage throughout Nevada. Enter your ZIP code below to get started.

Compare Nevada car insurance quotes from top providers.

or
Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.

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%

Compare insurance rates quickly and easily.

or
Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.

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.

Get Nevada car insurance now!

or
Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.

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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $3,138 64% $1,223
Refused Breathalyzer/Chemical Test $2,882 51% $968
DUI $3,053 59% $1,138
Racing $3,138 64% $1,223
Reckless Driving $3,138 64% $1,223
Driving with a Suspended License $3,138 64% $1,223
At-Fault Accident $2,874 50% $959
Driving with an Open Container $2,512 31% $597
Operating a Vehicle Without Permission $2,730 43% $815
Passing a School Bus $2,566 34% $651
Improper Passing $2,449 28% $535
Following Too Closely $2,449 28% $535
Speeding $2,415 26% $501
Failure to Stop at a Red Light $2,449 28% $535
Illegal Turn $2,449 28% $535
Driving Wrong Way/Wrong Lane $2,423 27% $509
Failure to Yield $2,449 28% $535
Speeding in a School Zone $2,442 28% $527
Driving Too Slowly $2,442 28% $527
Distracted Driving $2,299 20% $384
Driving with Expired Registration $2,197 15% $282
Failure to Show Documents $2,026 6% $111
Not-at-Fault Accident $2,134 11% $220
Failure to Use Child Safety Restraint $2,026 6% $111
Failure to Wear a Seat Belt $2,005 5% $90
Driving Without Lights $1,936 1% $21

 

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

 

Recent Questions:

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 the policy.
Sep 9, 2019 Las Vegas, NV

How do I get a false claim on my record removed?

The best course of action would be to call that insurance company and request all paperwork associated with that claim. It should show as a zero dollar payout, which you could show to other companies to dispute the claim.
May 19, 2020 Sun Valley, NV

Can I buy car insurance in advance of purchasing a vehicle?

It would be a smart idea to have the policy go into affect on the day that you buy your car if that's possible. If you need to purchase a policy before the day you get the vehicle then you shouldn't have any issues starting it, but you would be wasting money on coverage for any days before you actually get the vehicle.
Aug 14, 2016 Elko, NV

Coverage for non-employee in commercial vehicle after accident

There's a couple of things to think about here. First, if the other driver was found at-fault for the accident, their insurance (if they have it) would cover the property damage of the van and the bodily injury payments suffered by both of you (this is called their liability coverage).
Aug 2, 2018 Las Vegas, NV

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.