Explore Nevada auto insurance costs including details on important rating factors.
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Your auto insurance prices are affected by factors other than the state in which you live. Auto insurance premiums consider an array of factors, including a motorist's marital status, driving history, credit rating, gender, and age.
We examined typical Nevada car insurance premiums by each of the significant rating factors. Read on to see how much auto insurance costs in your state — or submit your zip to view tailored prices from top car insurance companies.
|Age||Average Yearly Premium|
If you're facing the frightful prospect of purchasing insurance for a young driver, you'll need to contend with the fact that Nevada is one of the most expensive states in which to buy auto insurance for a 16-year-old.
While gender doesn’t make as large an impact on car insurance prices as location or experience level, it is used as a rating factor by auto insurance companies.
|Gender||Average Annual Cost|
If you think you aren't getting the best value for your money with your current car insurer, the best course of action is to do some shopping.
One benefit of nuptials — aside from the wedding gifts — is the lower rates you may get on your car insurance policy. In Nevada, married motorists save $98 per year on car insurance. This is more than the US average of $76.
|Marital Status||Average Annual Premium|
Car insurance for divorced drivers in Nevada is the 12th most expensive in the nation. If you are paying too much for your policy, don't be afraid to shop around. You never know what savings you'll find!
Car insurance underwriters use credit as a way of determining how reliable a customer will be. Historical data demonstrate drivers with good credit scores are often more reliable auto insurance customers: they're less likely to file claims for which insurance companies pay.
In Nevada, a driver with excellent credit can save $2,425.80 per year on car insurance, contrasted with a driver saddled with a low credit rating. Learn more about how credit can affect car insurance premiums:
|Credit Quality||Average Annual Rate|
|Very Poor (300-579)||$3,680.50|
|Very Good (740-799)||$1,634.88|
Finding affordable car insurance if you're saddled with bad credit is difficult. But we're here to help. Read our tips on finding auto insurance with poor credit and learn how to save!
If you've been defined as at fault in an accident or convicted of a driving violation, your auto insurance rates are going to rise. The more violations you amass, the pricier your auto insurance gets.
In Nevada, your first at-fault fender bender leads to an additional $502.30 per year in auto insurance payments. A DUI — one of the gravest vehicular infractions — will increase your yearly insurance rates in Nevada by as much as $643.53.
|Violation||Average Yearly Premium|
|DUI or DWI||$2,445.44|
|At-Fault Accident (<$1,000)||$2,304.21|
|At-Fault Accident ($1,000-$2,000)||$1,764.83|
|At-Fault Accident (>$2,000)||$2,304.21|
|Speeding (21-25 MPH > limit)||$1,550.88|
|Speeding (16-20 MPH > limit)||$1,515.58|
If you're facing above-average car insurance payments, it's worth getting quotes to discover affordable insurance coverage that meets your requirements.
The amount you pay every month for auto insurance depends on how much coverage you purchase. Liability-only coverage usually costs less, while low-deductible comprehensive coverage costs more. In Nevada, the price gap between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $598.
|Coverage Level||Average Annual Rate|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$1,240|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,723|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,830|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$1,007|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,496|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,605|
|State Minimum — Liability Only||$722|
|State Minimum — $1,000 Comprehensive/Collision||$1,212|
|State Minimum — $500 Comprehensive/Collision||$1,320|
If you're tired of dealing with expensive car insurance, it's worth shopping for policies to get affordable insurance coverage that meets state regulations.