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)

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.

- GEICO offered the cheapest liability insurance in Nevada at $54/mo
- Read about the rest of the top and best companies in Nevada ↓

- As a highly-rated national carrier, American Family scored an 656 on J.D. Power's 2024 auto study.[3]Â USAAÂ is an excellent option and actually scored higher than American Family, but it is only available to military members and their families.
- Read about the rest of the top and best companies in Nevada ↓

- GEICO offered the cheapest full insurance coverage in Nevada at $144/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in Nevada ↓

- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in Nevada to name American Family as the best overall company for Nevadan drivers.Â
- Read more about why we've ranked American Family as a great fit for many Nevada ↓
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.
Updating data...
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.

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
Updating data...
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 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.
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Many discount options
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Variety of products and services
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Highly rated customer service
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Only available in 19 states
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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.
Updating data...
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.
Updating data...
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:Â Advance purchase, electronic bill pay, pay-in-full
- Driver discounts: Bundling (multi-policy), multi-car, good driver, good student, homeowner, military
- Vehicle discounts:Â 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.
Updating data...
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

Updating data...
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
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Take a defensive driving course: This can help you qualify for discounts and reduce your risk of accidents.
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Choose a safe, affordable car: To lower your insurance premiums, select a vehicle with strong safety ratings and low repair costs.
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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.
Updating data...
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.
Updating data...
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.
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.
Updating data...
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.
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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.
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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.
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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!
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.
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!
Nevada car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Nevada auto insurance.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 U.S. Auto Insurance Study J.D. Power
2024 Customer Satisfaction Survey. The Zebra
Nevada's Weather and Climate. UN Extension
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- Temporary Car Insurance in Nevada
- Car Insurance in Las Vegas, NV
- Car Insurance with a DUI in Nevada
- Average Cost of Car Insurance in Nevada
- Car Insurance in North Las Vegas, NV
- Nevada Car Insurance Laws
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.