Cheap Nevada Car Insurance

Find affordable auto 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 companies in Nevada

What's the cheapest car insurance in Nevada?
RankCompany NameAvg. Annual Premium
6State Farm$1,502
8American Family$2,066

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

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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$36719.44%
No Accidents$78434.02%
Good Credit$2,16058.69%


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.

AgeAnnual Rate with ParentsAnnual Rate Alone


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 FactorAnnual Rate% Increase
At-Fault Accident$2,30434.02%
Speeding Violation$1,88719.44%
Bad Credit$3,68058.69%

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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)

AllstateAbove averageAverageSuperior4.3 / 5
American FamilyBelow averageExcellentExcellent4.3 / 5
MetLifeExcellentBelow averageExcellentN/A
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 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.

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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.

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
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
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


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.

RankCityAvg. Annual Premium
1Spring Valley$2,853
3Sunrise Manor$2,699
4Las Vegas$2,640
6North Las Vegas$2,539


Recent Questions:

Where can I find state minimum insurance for a classic car?

If you're just looking for liability coverage then you should have multiple options. Unfortunately some carriers don't offer coverage for vehicles older than 1982, but there are some that will insure your vehicle.
Jul 19, 2017 Las Vegas, 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 3, 2018 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 20, 2020 Sun Valley, NV

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.
May 29, 2018 Las Vegas, NV

Kristine Lee
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,, and