Cheap Nevada Car Insurance

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

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

It's expensive to get car insurance in Nevada!

Dang! Nevada is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Nevada might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Nevada?
Rank Company Premium
1 Travelers $921
2 Allied $930
3 Capital $998
4 Oregon Mutual $1,170
5 American Family $1,206
6 Progressive $1,214
7 GEICO $1,244
8 Nationwide $1,308
9 USAA $1,310
10 Safeco $1,333
11 Farmers $1,467
12 MetLife $1,599
13 Country $1,635
14 State Farm $1,715
15 Mercury $1,789
16 Victoria $2,052
17 Liberty Mutual $2,205
18 Bristol West $2,360
19 Allstate $2,361
20 Encompass $2,657

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 $367 19.44%
No Accidents $784 34.02%
Good Credit $2,160 58.69%

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $2,304 34.02%
DUI $2,445 37.83%
Speeding Violation $1,887 19.44%
Bad Credit $3,680 58.69%
Car Insurance Laws

State minimum insurance requirements in Nevada

In Nevada, the state minimum coverage requirement is liability with limits of:
Optional coverage in Nevada (varies by carrier):

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.

Top Nevada Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Nevada.

Car Insurance FAQs

Are digital insurance cards accepted in Nevada?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Nevada you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Nevada?

Uninsured Drivers in Nevada




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 Winchester, Nevada.

Rank City Avg. Annual Premium
1 Winchester $2,137
2 Sunrise Manor $2,049
3 Paradise $2,021
4 Spring Valley $2,020
5 Las Vegas $1,911
6 Enterprise $1,889
7 North Las Vegas $1,863
8 Henderson $1,732
9 Boulder City $1,526
10 Pahrump $1,350
11 Mesquite $1,338
12 Sparks $1,291
13 Sun Valley $1,279
14 Reno $1,269
15 Spanish Springs $1,241
16 Carson City $1,147
17 Gardnerville Ranchos $1,127
18 Fernley $1,126
19 Dayton $1,119
20 Spring Creek $1,103
21 Elko $1,103
22 Fallon $1,086

Recent Nevada Car Insurance Questions and Answers

Coverage for non-employee in commercial vehicle after accident

Aug 03, 2018

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

How long do I have in Nevada to add a car to my policy

Jun 09, 2018

In NV, do I have a certain time period we’re I can drive my car without having to insure it?...

My insurance went up because the state changed it’s legislation?

Feb 12, 2018

I live in Las Vegas and have GEICO insurane. I am coming up on my 6 month renewal. Without any ...

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

Jul 19, 2017

I have a 1979 Mercedes 300 D that is rarely driven. I need to insure it to keep the registration ...

Driving Laws

Nevada Texting and Driving Laws

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


Per Year in Nevada
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

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.


So, Nevada 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.

Please Note:

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

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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.