What's the Average Cost of Car Insurance in Nevada?

The Zebra
Oct. 11, 2018

Auto insurance policies are expensive in Nevada. The average car insurance cost in Nevada is $1,802 per year — 26.2% more than the US average.

Your auto insurance costs are impacted by factors aside from geography. Auto insurance premiums price based on an array of considerations, including one's age, gender, marital status, credit, and driving history.

We assessed average Nevada car insurance rates by each of the main pricing factors. See below how much auto insurance costs in your state — or enter your zip code to see tailored rates from top insurance companies.


Average Car Insurance Expenditure in Nevada by Age

It's impossible to avoid: as you grow older, your car insurance prices shift. As a general rule, auto insurance is more expensive for young drivers, as auto insurance companies view inexperienced drivers as less responsible.

In Nevada, auto insurance costs $8,947 annually for a 16-year-old driver, compared to $1,388 per year for a driver between 50 and 59 years of age.


NEVADA CAR INSURANCE RATES BY AGE
AgeAverage Yearly Premium
16$8,947.28
17$6,973.00
18$6,162.80
19$3,765.45
20s$2,089.42
30s$1,499.47
40s$1,464.22
50s$1,387.72
60s$1,403.49
70s$1,731.01



Average Auto Insurance Premiums in Nevada by Gender

While gender doesn’t have as significant an effect on car insurance premiums as a driver's location or age, it is incorporated as a pricing factor. Men pay less than do women for car insurance in Nevada, but the gap is just $81.46 annually.

NEVADA AUTO INSURANCE PRICES BY GENDER
GenderAverage Annual Premium
Male$1,520.26
Female$1,601.72



Average Auto Insurance Rates in Nevada by Marriage Status

One benefit of getting hitched — in addition to the wedding gifts — is the price cut you may get on your car insurance policy. In Nevada, married drivers save $98 per year on auto insurance. This is a better deal than the national savings of $76.


NEVADA AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,520.26
Married$1,422.34
Divorced$1,526.54
Widowed$1,541.12



Average Car Insurance Prices in Nevada by Credit Score

Insurers utilize credit score as a way of determining a potential customer's reliability. Data trends indicate motorists with excellent credit are more dependable car insurance customers: they less frequently file claims that insurance companies must repay.

In Nevada, a driver who has outstanding credit can save $2,425.80 per year in auto insurance premiums, compared to a driver who has a bad credit score. Read more about how credit score may impact auto insurance expenses:


NEVADA CAR INSURANCE COSTS BY CREDIT QUALITY
Credit LevelAverage Annual Rate
Very Poor (300-579)$3,680.50
Fair (580-669)$2,749.17
Good (670-739)$2,107.62
Very Good (740-799)$1,634.88
Exceptional (800-850)$1,254.70



Average Car Insurance Prices for Bad Drivers in Nevada

If you've been found to be at fault in a car crash or convicted of a driving violation, your car insurance costs are going to grow. The more offenses you rack up, the more costly your car insurance becomes.

In Nevada, your first minor at-fault collision will cost $502.30 each year in car insurance premiums. A DUI or DWI — among the most grievous driving violations — may lift your annual insurance expenditure in Nevada by as much as $643.53.


NEVADA CAR INSURANCE PREMIUMS AFTER OFFENSES
AgeAverage Yearly Rate
DUI/DWI$2,445.44
Reckless Driving$2,311.33
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
Open Container$1,508.40
Speeding (21-25 MPH > limit)$1,550.88
Speeding (16-20 MPH > limit)$1,515.58

If you're facing above-average auto insurance costs, think about getting quotes to get affordable insurance coverage that fits your budget.


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