Car Insurance in Nevada

  • GEICO offers the cheapest liability and full coverage auto insurance in NV
  • Compare the cheapest car insurance quotes in NV from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
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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 agents. Reference our data methodology and learn more about how we make money.

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Beth Swanson

SEO Content Strategist

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Credentials
  • Licensed Insurance Agent — Property and Casualty
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Jean Lucey, CPCU

Faculty, IIAA Virtual University

Jean Lucey has researched and written about insurance matters for well over 30 years. A current member of The Zebra's Insurance Expert Review Bo…

Credentials
  • CPCU, Chartered Property Casualty Underwriter
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Renata Balasco

Senior Content Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Credentials
  • Licensed Insurance Agent — Property and Casualty

Car insurance quotes in Nevada

The average cost for full coverage car insurance in Nevada is $1,365 for a six-month policy, which is 25% more expensive than the national average.[1] If you're looking for affordable options, GEICO offers some of the lowest rates for both liability-only and full coverage in Nevada.

While 42% of Nevada drivers feel like they’re paying too much for insurance, many are willing to invest a bit more for top-notch customer service and comprehensive coverage.[2] If that sounds like you, we recommend starting with State Farm and American Family.

For those wanting a good balance between value, price, and service, Progressive is a solid choice.

Cheapest liability coverage in NV
Cheapest liability coverage in NV
Best customer service in NV
Best customer service in NV
Cheapest full coverage in NV
Cheapest full coverage in NV
The Zebra's Recommendation for best car insurer - American Family
Best car insurance in NV — overall

Cheap liability insurance in Nevada

The average cost for a 6-month liability insurance policy in Nevada is $533.[1] Based on our user profile, GEICO, Progressive, and USAA offer the most affordable liability insurance options in the state.

While liability insurance is cheap compared to full coverage, it also provides less protection than you might need. The table below shows monthly and 6-month liability insurance quotes from Nevada's top insurance providers.

Cheapest auto insurance companies in Nevada for minimum coverage

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
GEICO $326 $54
Progressive $329 $55
USAA $352 $59
Nationwide $461 $77
State Farm $552 $92
Mercury $612 $102
American Family $633 $106
Allstate $885 $147

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Our data shows that 48% of Nevada drivers choose liability-only coverage for their vehicles. Nevada law requires minimum liability limits of 25/50/20, meaning $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage per accident. Check out our breakdown for more details about Nevada's car insurance limits and regulations.

beth swanson
Is liability coverage enough for Nevada drivers?

Nevada’s minimum liability limits are similar to those in other states, but they may not be enough to cover a serious accident or one involving multiple vehicles. Unless you have an older, less expensive car (typically valued under $4,000), it’s a good idea to opt for full coverage, which helps pay for damage to your own vehicle. Keep in mind that liability coverage only takes care of the other person’s vehicle and injuries.

If you decide to stick with the state minimum, it’s worth considering adding UMBI (uninsured motorist bodily injury) and UMPD (uninsured motorist property damage) to protect yourself in case you’re involved in an accident with an uninsured driver. In larger cities like Las Vegas, the number of uninsured drivers can be high, and you don't want to be left with hefty bills due to lack of coverage.

Beth Swanson, content specialist at The Zebra

Cheapest Liability & Full Coverage Quotes in Nevada

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Company Liability Coverage Full Coverage
GEICO $246 $861
Progressive $288 $947
USAA $317 $979
State Farm $346 $1,350
Mercury $413 $1,734
Nationwide $439 $1,077
American Family $566 $1,372
Allstate $585 $1,848

Source: The Zebra


What are the best car insurance companies in Nevada?

We named American Family the best car insurance company in Nevada based on consumer reviews, third-party ratings (J.D. Power, Trustpilot, and AM Best), and details such as discount information and coverage options.[4]

Below are the pros and cons of American Family plus more of the best-rated companies in Nevada. But this is just a starting point as you look for an auto policy. The cheapest option may not be the best fit, so take the time to get multiple quotes and compare companies.

american family logo
Overall best car insurance company in Nevada — American Family

American Family is well-regarded for its exceptional, personalized service, consistently earning high marks for customer satisfaction both in Nevada and across the country.[3] While it may not always offer the lowest rates, its financial stability ensures reliable claim payouts and long-term security. An extensive network of local agents makes it a great choice for those who prefer to build in-person relationships with their insurance providers. Additionally, American Family offers a range of discounts, including savings for bundling policies and safe driving, making it a solid option for those seeking a balance of service and value.

Pros
  • Many discount options

  • Variety of products and services

  • Highly rated customer service

Cons
  • Only available in 19 states

  • Limited add-ons and endorsements

Best car insurance in Nevada — honorable mentions

To determine the best companies, we compared J.D. Power Auto ratings and consumer reviews collected from nearly 3,000 drivers across Nevada and the U.S.

Best car insurance companies in Nevada

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Progressive $947 $158
USAA $979 $163
State Farm $1,350 $225

Source: The Zebra

How did we pick what company has the "Best Value" in Nevada?

The author's recommendation for "best value" is based on:

  • The Zebra's 2024 Customer Satisfaction Survey
  • J.D. Power's 2023 Regional Customer Satisfaction Study
  • Each company's average cost of car insurance in Nevada
  • Available coverage options
  • The author's multiple years of insurance industry experience

Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.

For more information, see our editorial standards page.


Full coverage car insurance in Nevada

In 2025, the average cost of a 6-month full coverage insurance policy in Nevada is $1,365. Full coverage remains a popular choice, with 52% of The Zebra's Nevada customers opting for it.[2]

While full coverage may not be as budget-friendly as some Nevada drivers would like, those seeking cheap rates should start by getting quotes from GEICO or Progressive.

Full coverage quotes in NV

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
GEICO $861 $144
Progressive $947 $158
USAA $979 $163
Nationwide $1,077 $180
State Farm $1,350 $225
American Family $1,372 $229
Mercury $1,734 $289
Allstate $1,848 $308

Source: The Zebra

Zebra Tip: Look for these discount options

  • Payment methods: Advance purchase, electronic bill pay, pay-in-full
  • Driver discounts: Bundling (multi-policy), multi-car, good driver, good student, homeowner, military
  • Vehicle discounts: New vehicles, safety devices (consider telematics), anti-theft devices

Cheap auto insurance for teens and young drivers in Nevada

Young drivers, especially those between 16 and 25, face very high auto insurance rates, with teens aged 16-19 paying the highest premiums. Due to the risk associated with inexperienced drivers, teens typically pay more than three times the national average for car insurance. As a result, they can expect to pay over 100% more than drivers in their 20s and nearly 200% more than those in their 30s.[1]

In Nevada, the cost is even steeper for teen drivers, averaging $4,169 every six months, or about $695 per month—over 65% higher than the national average. For more affordable coverage, GEICO, Nationwide, and USAA are the best companies for teen drivers in the state.

Cheapest car insurance quotes for young drivers in NV

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
GEICO $2,296 $383
USAA $2,701 $450
Nationwide $3,412 $569
Progressive $3,486 $581
State Farm $4,997 $833
American Family $5,006 $834
Allstate $6,118 $1,020
Mercury $6,228 $1,038

Source: The Zebra

Top companies in Nevada for Teens
Filter by:

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Mercury $8,850 $1,475
Allstate $7,926 $1,321
State Farm $6,757 $1,126
American Family $5,512 $919
Progressive $4,255 $709
Nationwide $4,050 $675
USAA $3,624 $604
GEICO $2,946 $491

Source: The Zebra

Zebra tip: 3 ways young drivers can save on car insurance

  1. Take a defensive driving course: This can help you qualify for discounts and reduce your risk of accidents.

  2. Choose a safe, affordable car: To lower your insurance premiums, select a vehicle with strong safety ratings and low repair costs.

  3. Stay on a parent’s policy: This can save you money and allow you to take advantage of their established insurance history.


Car insurance in popular Nevada cities

Where you live in Nevada can have a big impact on your car insurance costs. Larger cities like Las Vegas or Reno won't usually have low rates (compared to more rural areas) due to the high number of cars on the roads and likelihood of an accident.

Living in areas prone to natural disasters can also affect your premiums. While Nevada is generally a dry state, when it does rain, it can lead to dramatic flash flooding. Wildfires and extreme winter weather are other risks, depending on the region.[5] Comprehensive coverage helps protect your vehicle from fire and flooding, so it's worth considering when deciding on your coverage.

Auto insurance quotes in Nevada's biggest cities

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City Avg. 6 Mo. Premium Avg. Monthly Premium
Reno $1,136 $189
Henderson $1,534 $256
North Las Vegas $1,745 $291
Las Vegas $1,768 $295
Paradise $1,779 $296

Source: The Zebra


Nevada auto insurance quotes after an accident or ticket

Finding affordable car insurance in Nevada after an accident can be tough. Insurers evaluate your past accidents and tickets to gauge the liability risk you pose as a customer. An at-fault accident could increase your premiums by as much as $1,261 annually.

Below is a breakdown of what top insurance providers in Nevada may charge you after an at-fault accident.

Best insurance companies in NV after an accident

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $1,323 $221
GEICO $1,458 $243
Progressive $1,526 $254
Nationwide $1,645 $274
State Farm $1,727 $288
American Family $2,426 $404
Allstate $2,439 $407
Mercury $2,861 $477

Source: The Zebra

Zebra tip: Don't forget about claims satisfaction

Ideally, you’ll never have to use your insurance, but if you do, a hassle-free experience is essential. In our 2024 Customer Satisfaction Survey, we looked at how well companies handle claims. USAA ranked as a top choice, making it a great option if you're a military member in Nevada. If you don’t qualify for USAA, American Family and Allstate also ranked highly for claims satisfaction and are worth considering.[4]

In Nevada, having a bad driving record can significantly raise your insurance rates. If you receive a ticket, expect your premiums to increase. How much they go up depends on the type of violation, your insurer’s policies, and local insurance regulations. This is why the impact of a ticket on your rates can vary across the country—what leads a rate to skyrocket in Nevada might not have the same effect in another state.

Auto insurance rates by violation in Nevada

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Accident/Violation Avg. Annual Premium $ Rate Increase
One Med/PIP claim $2,729 $0
None $2,729 $0
Two Med/PIP claims $2,840 $111
Not-at-fault accident $2,844 $114
One comp claim $2,852 $123
Two comp claims $2,988 $259
Failure to wear a seat belt $3,196 $467
Child safety restraint $3,207 $477
Failure to show documents $3,214 $484
Driving without lights $3,264 $535
Driving with expired registration $3,277 $547
Speeding 6 - 10 MPH over limit $3,341 $612
Speeding 11 - 15 MPH over limit $3,347 $618
Speeding 16 - 20 MPH over limit $3,352 $623
Speeding in school zone $3,357 $627
Cell phone violation $3,361 $632
Driving too slowly $3,365 $636
Texting while driving $3,368 $639
Failure to yield $3,383 $653
Failure to stop at a red light $3,386 $657
Illegal turn $3,387 $657
Following too closely $3,402 $672
Wrong way/wrong lane $3,402 $672
Improper passing $3,418 $688
In 65 MPH zone $3,476 $746
Passing school bus $3,579 $849
Speeding 21 - 25 MPH over limit $3,601 $871
At-fault accident - less than $1000 $3,660 $930
Operating a vehicle without permission $3,668 $939
Open container $3,856 $1,127
At-fault accident - $1000-$2000 $3,991 $1,261
At-fault accident - greater than $2000 $3,991 $1,261
Refusal to submit to a chemical test $4,398 $1,668
Racing $4,560 $1,830
Driving with a suspended license $4,567 $1,837
DUI $4,577 $1,847
Reckless driving $4,617 $1,888
Leaving scene of an accident/hit and run $4,755 $2,026

Source: The Zebra

The Zebra's guide to Nevada car insurance laws for high-risk drivers

Certain violations, like a DUI or driving without insurance, can have more serious insurance consequences. Below are additional details about Nevada's car insurance laws and regulations. For further information on car insurance requirements in Nevada, be sure to check out our comprehensive guide.

Nevada DUI laws

If you get a DUI in Nevada, your premium can increase by over $1,00 annually. Finding affordable car insurance with a recent DUI on your record can be challenging, 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 72% 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 Mercury, with prices 22% above average.

Nevada car insurance quotes with a DUI

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Progressive $1,328 $221
GEICO $1,834 $306
USAA $2,027 $338
Nationwide $2,071 $345
State Farm $2,236 $373
Allstate $2,397 $400
American Family $2,490 $415
Mercury $2,788 $465

Source: The Zebra

No single car insurer offers consistently affordable rates for DUI-related insurance. The best way to save after a DUI citation is by shopping around. You can compare and purchase car insurance online or consult an insurance agent to explore options and find a budget-friendly policy.

Learn more about car insurance and how DUI infractions impact rates.

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 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 challenging 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, apply for a non-owner car insurance policy before filing for an SR-22. Non-owner 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!

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How have car insurance costs in Nevada changed?

Car insurance costs in Nevada have seen significant shifts over the past decade, reflecting a volatile market. In 2024, the average annual premium reached $2,729, a sharp increase of $630 compared to the previous year. While this represents an overall upward trend, rates have fluctuated, often rising and falling every other year. These changes highlight the impact of regulatory adjustments, economic conditions, and market forces on insurance pricing in Nevada and across the country. Although it's challenging to get cheap coverage, our best advice for finding the most affordable quote is to compare multiple companies and weigh your options as you shop.

Nevada car insurance rate trends since 2015
Year Avg. Annual Premium Yearly Change
2024 $2,729 $630
2023 $2,099 -$130
2022 $2,229 $461
2021 $1,768 $24
2020 $1,744 -$248
2019 $1,992 $88
2018 $1,904 $58
2017 $1,846 $49
2016 $1,797 $512
2015 $1,285 $66

If your rates are increasing faster than the state average, it’s a good idea to shop around and compare quotes to find a better deal. The Zebra’s car insurance comparison tool provides personalized quotes based on your profile — just enter your ZIP code below to get started.

Save money on your next car insurance policy!

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Nevada car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Nevada auto insurance.

GEICO offers full coverage car insurance in Nevada for $861 for a six-month premium. Progressive ($947) and USAA ($979) are the next cheapest options for full-coverage. For liability-only coverage, GEICO offers rates as low as $45 per month.

Your insurance rate will vary based on you and your location (along with other factors). For the average driver with no tickets or accidents, a full coverage policy in Nevada costs $1,365 every six months.

Car insurance in Nevada is 25% more expensive than it is across the U.S. This is due to the state's high number of claims and uninsured drivers. If you want to lower your premium, our best advice is to shop around and get multiple quotes.

Nevada requires minimum car insurance coverage of 25/50/20, which means you have coverage for up to $25,000 per person, $50,000 per accident, and $20,000 for property damage. This is a fairly standard amount compared to other states' minimums, but we generally recommend having as much coverage as you can afford.

Sources
  1. Data Methodology. The Zebra’s Dynamic Insurance Rating Tool

  2. Anonymized User Surveys. The Zebra

  3. 2024 U.S. Auto Insurance Study J.D. Power

  4. 2024 Customer Satisfaction Survey. The Zebra

  5. Nevada's Weather and Climate. UN Extension

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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 editorial 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.