Cheap Nevada Car Insurance

Compare the best rates from 13 car insurance companies in Nevada.

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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. We’ll get you prepped, then you take the wheel.


 

Cheap Car Insurance

What's the cheapest car insurance in Nevada?
RankCompany NameAvg. Annual Premium
1Travelers$921
2Allied$930
3Capital$998
4Oregon Mutual$1,170
5American Family$1,206
6Progressive$1,214
7GEICO$1,244
8Nationwide$1,308
9USAA$1,310
10Safeco$1,333
11Farmers$1,467
12MetLife$1,599
13Country$1,635
14State Farm$1,715
15Mercury$1,789
16Victoria$2,052
17Liberty Mutual$2,205
18Bristol West$2,360
19Allstate$2,361
20Encompass$2,657
21Dairyland$3,090

Cheap Insurance for Good Drivers in Nevada

Drivers with good 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 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
16$6,642$8,947
17$6,195$6,973
18$6,157$6,163
19$5,412$3,765

Cheap Car Insurance for Bad Drivers in Nevada

If you have a clean 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%
DUI$2,44537.83%
Speeding Violation$1,88719.44%
Bad Credit$3,68058.69%

What are the Best 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.

Review local and national insurance companies' financial strength and claims satisfaction ratings to better understand the level of service you can expect. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurer's financial strength and ability to meet its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allied3Superior
Allstate3Superior
Bristol WestNot RatedExcellent
Country3Superior
EncompassNot RatedSuperior
Farmers3Excellent
GEICO3Superior
Liberty Mutual3Excellent
Mercury2Superior
MetLife3Superior
Nationwide4Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior

 

What is the Best Car Insurance Coverage in Nevada?

The required minimum insurance level in Nevada is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $20,000 Property Damage per accident.

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.

Compare average costs for liability-only and comprehensive coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Nevada$1,128.31$1,677.11$1,791.33
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Nevada

In Nevada, the state minimum coverage requirement is liability with limits of:
  • 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

Liability coverage is legally required in Nevada and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Nevada, the minimum is listed as 25/50/20 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $20,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Nevada but higher coverage amounts are available with most companies.

Nevada Car Insurance FAQs

Do I need to have car insurance in Nevada?

Yes. Car insurance is required in Nevada.

What happens if your car insurance lapses in Nevada?

In Nevada, it depends on how long you've allowed the insurance to lapse. You will only receive a fine if your car insurance has lapsed for 31 days or longer.

Do I need insurance to register my car in Nevada?

Yes. To register a vehicle in Nevada, you will need proof of insurance as well as title and inspection documentation.

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 Gardnerville Ranchos, Nevada, and the most expensive in Sunrise Manor, Nevada.

RankCityAvg. Annual Premium
1Sunrise Manor$2,860
2Spring Valley$2,851
3Paradise$2,806
4Enterprise$2,660
5Las Vegas$2,609
6North Las Vegas$2,474
7Henderson$2,300
8Winchester$2,137
9Pahrump$1,849
10Boulder City$1,804
11Sparks$1,729
12Sun Valley$1,709
13Reno$1,680
14Spanish Springs$1,667
15Mesquite$1,546
16Carson City$1,486
17Dayton$1,402
18Fernley$1,396
19Spring Creek$1,357
20Elko$1,347
21Fallon$1,332
22Gardnerville Ranchos$1,127

Recent Nevada Car Insurance Questions and Answers

Can my sister insure a car I own?

I live in las Vegas Nevada and my sister wants to insure a car I own so she can use ...

OCT 25, 2018
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LAS VEGAS, NV
Laws regarding storing a car in Nevada?

I would like to store my car in a private secure garage. I will not drive the car. What is ...

AUG 17, 2018
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Coverage for non-employee in commercial vehicle after accident

I was driving a company van with a customer in it and we got hit by another car. The other ...

AUG 03, 2018
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How long do I have in Nevada to add a car to my policy

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Driving Laws

Nevada Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on text messaging for all drivers

Nevada DUI Laws

The DUI lookback period in Nevada is seven years. Multiple offenses within this timeframe subject you to harsher penalties.

“Aggravating circumstances,” such as DUI while transporting a minor, a BAC of 0.18% or higher, or DUI that causes injury or death, may also lead to enhanced penalties.

First-time DUI offenses in Nevada lead to:

  • Two days to six months in jail
  • 96 hours of community service in lieu of jail
  • $400 to $1,000 in fines
  • 90-day license revocation
  • Mandatory attendance in driving school
  • Possible requirement to complete a substance abuse treatment program
  • May be required to use an ignition interlock device for three to six months

Nevada Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Nevada area, while also getting an insider view of the Silver State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

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