Car Insurance in Nevada
- GEICO has the cheapest liability at $53/mo.
- Allied has the cheapest full coverage at $146/mo.
Enter your ZIP code to start your search for Nevada car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Nevada at the right price.
About The Zebra's recommendations
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Jean Lucey has researched and written about insurance matters for well over 30 years. A current member of The Zebra's Insurance Expert Review Board, …
Credentials
- CPCU, Chartered Property Casualty Underwriter
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Car insurance quotes in Nevada
The average cost for full coverage car insurance in Nevada is $1,450 for a six-month policy, which is 25% more expensive than the national average.[1]
While 60% 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]
In this article, we break down car insurance in Nevada — from the cheapest liability options to the best companies, plus how to avoid overpaying.
Cheapest liability coverage in NV
- GEICO offers the cheapest liability coverage in Nevada at $53/mo.
Best customer service in NV
- CSAA Insurance Group (AAA) scored 653 in JD Power's latest study — the highest in Nevada.
Cheapest full coverage in NV
- Allied offered the cheapest full coverage in Nevada at $146/mo.
Cheap liability insurance in Nevada
The average cost for liability insurance in Nevada is $585 for a 6-month policy.[1] For our user profile, GEICO offers the most affordable liability insurance options in the state at $53/mo.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Nevada, a full coverage insurance policy with a $500 deductible costs $1,450, considerably more than liability-only car insurance.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $318 | $53 |
| Progressive | $330 | $55 |
| USAA | $370 | $62 |
| Nationwide | $416 | $69 |
| Dairyland | $425 | $71 |
| Travelers | $439 | $73 |
| Country | $614 | $102 |
| American Family | $663 | $110 |
| Nevada General Insurance | $677 | $113 |
| State Farm | $707 | $118 |
| Farmers | $724 | $121 |
| Encompass | $730 | $122 |
| Hallmark | $834 | $139 |
| CSAA | $1,017 | $169 |
| Allstate | $1,036 | $173 |
| Bristol West | $1,398 | $233 |
Source: The Zebra
The Zebra’s auto insurance 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.
According to our data, 50% of Nevada drivers carry only the state-required liability coverage.[2] In Nevada, the law mandates minimum liability limits of 25/50/20. Learn more about car insurance requirements in the state of Nevada with our helpful guide.
Nevada uses an Electronic Liability Insurance Verification (ELIV) system to continuously verify that registered vehicles maintain the required auto insurance coverage.[4] Insurance companies regularly report policy information to the Nevada Department of Motor Vehicles, allowing the state to identify uninsured vehicles without relying solely on insurance ID cards. If your coverage lapses, you may face registration suspension, reinstatement fees, or other penalties until proof of insurance is provided.
Beth Swanson, AINS, PRC, AIS at The Zebra
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $370 | $1,028 |
| Travelers | $439 | $967 |
| State Farm | $707 | $1,710 |
| Sentry | $1,167 | $2,512 |
| Progressive | $330 | $975 |
| Nevada General Insurance | $677 | $1,884 |
| Nationwide | $416 | $974 |
| MetLife | $921 | $1,599 |
| Mercury | $480 | $1,745 |
| Mendota Insurance Company | $810 | $2,004 |
| Hallmark | $834 | $1,995 |
| GEICO | $318 | $876 |
| Farmers | $724 | $1,734 |
| Encompass | $730 | $1,963 |
| Dairyland | $425 | $2,471 |
| Country | $614 | $1,426 |
| CSAA | $1,017 | $1,982 |
| Bristol West | $1,398 | $3,533 |
| American Family | $663 | $1,445 |
| Allstate | $1,036 | $2,112 |
| Allied | $352 | $803 |
Source: The Zebra
What are the best car insurance companies in Nevada?
We’ve named CSAA Insurance Group (AAA) as Nevada's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like JD Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Cheap full coverage insurance in Nevada
In 2026, the average cost of full coverage insurance in Nevada is $1,450 for a six-month policy. Full coverage is a popular choice here, with 50% of The Zebra’s Nevada customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Allied — as our latest data shows they have the cheapest rates in Nevada.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allied | $803 | $134 |
| GEICO | $876 | $146 |
| Travelers | $967 | $161 |
| Nationwide | $974 | $162 |
| Progressive | $975 | $163 |
| USAA | $1,028 | $171 |
| Country | $1,426 | $238 |
| American Family | $1,445 | $241 |
| State Farm | $1,710 | $285 |
| Farmers | $1,734 | $289 |
| Nevada General Insurance | $1,884 | $314 |
| Encompass | $1,963 | $327 |
| Hallmark | $1,995 | $333 |
| Allstate | $2,112 | $352 |
| Dairyland | $2,471 | $412 |
| Bristol West | $3,533 | $589 |
Source: The Zebra
Local insights
Drivers near you in Nevada weigh in
"I’m just switched away from State Farm Because they just increased their prices. And I was about to pay $570 for 2 cars. Dropped them at the end of last policy and found Allstate for about $450."
-Reddit user on r/Nevada
"I pay roughly 185/month on my pickup. Clark County. State Farm."
-Reddit user on r/Nevada
Compare car insurance rates from the best companies in Nevada.
Car insurance in popular Nevada cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Winnemucca, Nevada and the most expensive in Las Vegas, Nevada.
Have a look at the table below to see average car insurance costs in some of Nevada biggest cities.
Source: The Zebra
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. Comprehensive coverage helps protect your vehicle from fire and flooding, so it's worth considering when deciding on your coverage.
Updating data...
Source: The Zebra
People who get it. Help that works.
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Nevada auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Nevada. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Nevada insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Nevada car insurance laws for high-risk drivers
For high-risk drivers in Nevada with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Nevada's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Nevada DUI laws
In Nevada, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Nevada
If you're convicted of a DUI or DWI violation in Nevada, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Nevada
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,377 | $229 |
| Progressive | $1,380 | $230 |
| GEICO | $1,844 | $307 |
| Nationwide | $1,857 | $310 |
| Country | $1,892 | $315 |
| Nevada General Insurance | $2,043 | $341 |
| USAA | $2,152 | $359 |
| Hallmark | $2,327 | $388 |
| American Family | $2,535 | $422 |
| Farmers | $2,659 | $443 |
| CSAA | $2,714 | $452 |
| Allstate | $2,727 | $454 |
| State Farm | $2,764 | $461 |
| Dairyland | $2,969 | $495 |
| Bristol West | $4,602 | $767 |
| Encompass | $8,247 | $1,375 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Nevada SR-22 laws
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 some research, but it could pay off in the end.
How to acquire an SR-22 in Nevada
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Nevada in minutes!
How have car insurance costs in Nevada changed?
Nevada's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Nevada |
|---|---|
| 2026 | $2,769 |
| 2025 | $2,957 |
| 2024 | $2,729 |
| 2023 | $2,099 |
| 2022 | $2,229 |
| 2021 | $1,768 |
| 2020 | $1,744 |
| 2019 | $1,992 |
| 2018 | $1,904 |
| 2017 | $1,846 |
| 2016 | $1,797 |
| 2015 | $1,285 |
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
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
-
U.S. Auto Insurance Study. JD Power
U.S. Auto Insurance Study. JD Power
-
Electronic Liability Insurance Verification. ELV
Electronic Liability Insurance Verification. ELV
RECENT QUESTIONS ABOUT CAR INSURANCE IN NV
What are the laws in Nevada about storing a car?
Do I need long-term rental car insurance?
How do I get a false claim on my record removed?
How do I know if a company even covers my state?
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.
