Car Insurance in Nevada
- GEICO has the cheapest liability at $53/mo.
- GEICO 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 $1,425 for a six-month policy, which is 23% 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 676 (6.3% above average) in JD Power's latest study — the highest in Nevada.[3]
Cheapest full coverage in NV
- GEICO offers the cheapest full coverage in Nevada at $146/mo.
Cheap liability insurance in Nevada
The average cost for a 6-month liability insurance policy in Nevada is $586.[1] For our user profile, GEICO was the most affordable carrier at $53 a month.
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.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $318 | $53 |
| Progressive | $330 | $55 |
| USAA | $370 | $62 |
| Nationwide | $421 | $70 |
| Travelers | $439 | $73 |
| American Family | $614 | $102 |
| Country | $614 | $102 |
| 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.
Our data shows that 50% of Nevada drivers choose liability-only coverage for their vehicles. Nevada law requires minimum liability limits of 25/50/20. Check out our breakdown for more details about Nevada's car insurance limits and regulations.
Nevada’s minimum liability limits are in line with other states, but they often fall short in a serious or multi-car accident. Unless your car is older and worth under about $4,000, full coverage is usually the safer bet since it also pays for damage to your own vehicle. Liability only covers the other driver’s injuries and repairs.
If you stick with the minimum, consider adding UMBI and UMPD. Uninsured drivers are fairly common in cities like Las Vegas, and without this coverage, you could be left paying out of pocket.
Beth Swanson, AINS, PRC, AIS at The Zebra
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| 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 | $421 | $1,003 |
| MetLife | $921 | $1,599 |
| Mercury | $480 | $1,745 |
| Mendota Insurance Company | $810 | $2,004 |
| Hallmark | $834 | $2,021 |
| GEICO | $318 | $876 |
| Farmers | $724 | $1,734 |
| Encompass | $730 | $1,963 |
| Country | $614 | $1,426 |
| CSAA | $1,017 | $1,982 |
| Bristol West | $1,398 | $3,533 |
| American Family | $614 | $1,383 |
| Allstate | $1,036 | $2,112 |
| Allied | $355 | $822 |
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 J.D. 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.
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Cheap full coverage car insurance in Nevada
In 2026, the average cost of a 6-month full coverage insurance policy in Nevada is $1,425. Full coverage remains a popular choice, with 50% of The Zebra's Nevada customers opting for it.[2]
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $876 | $146 |
| Travelers | $967 | $161 |
| Progressive | $975 | $163 |
| Nationwide | $1,003 | $167 |
| USAA | $1,028 | $171 |
| American Family | $1,383 | $230 |
| Country | $1,426 | $238 |
| State Farm | $1,710 | $285 |
| Farmers | $1,734 | $289 |
| Nevada General Insurance | $1,884 | $314 |
| Encompass | $1,963 | $327 |
| Hallmark | $2,021 | $337 |
| Allstate | $2,112 | $352 |
| 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
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.
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
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 substantially.
Below is a breakdown of what top insurance providers in Nevada may charge you after an at-fault accident.
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | $ Rate Increase |
|---|---|---|
| None | $1,482 | $0 |
| One comp claim | $1,552 | $70 |
| Not-at-fault accident | $1,556 | $75 |
| Two comp claims | $1,631 | $150 |
| Failure to wear a seat belt | $1,737 | $255 |
| Driving with expired registration | $1,803 | $322 |
| Speeding 16 - 20 MPH over limit | $1,835 | $353 |
| Speeding in school zone | $1,837 | $355 |
| Cell phone violation | $1,838 | $356 |
| Texting while driving | $1,838 | $356 |
| Wrong way/wrong lane | $1,848 | $367 |
| Failure to stop at a red light | $1,848 | $367 |
| Illegal turn | $1,849 | $367 |
| Improper passing | $1,865 | $383 |
| At-fault accident - less than $1000 | $2,024 | $542 |
| Open container | $2,032 | $550 |
| At-fault accident - greater than $2000 | $2,180 | $698 |
| At-fault accident - $1000-$2000 | $2,180 | $698 |
| Driving with a suspended license | $2,469 | $987 |
| DUI | $2,474 | $992 |
| Reckless driving | $2,500 | $1,019 |
| Racing | $2,506 | $1,024 |
| Leaving scene of an accident/hit and run | $2,568 | $1,087 |
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 hundreds. 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.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,335 | $222 |
| Progressive | $1,416 | $236 |
| GEICO | $1,918 | $320 |
| USAA | $1,932 | $322 |
| Country | $1,974 | $329 |
| Nationwide | $2,071 | $345 |
| Nevada General Insurance | $2,073 | $345 |
| Hallmark | $2,411 | $402 |
| American Family | $2,484 | $414 |
| Farmers | $2,774 | $462 |
| Allstate | $2,840 | $473 |
| State Farm | $2,854 | $476 |
| Dairyland | $3,096 | $516 |
| CSAA | $3,400 | $567 |
| Bristol West | $4,871 | $812 |
| Encompass | $8,553 | $1,426 |
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!
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.
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 — Nevada |
|---|---|
| 2026 | $2,850 |
| 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
-
Anonymized User Surveys. The Zebra
-
2025 U.S. Auto Insurance Study J.D. Power
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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.
