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

The Zebra
Feb. 7, 2019

Car insurance is expensive in Nevada. The average car insurance rate in Nevada is $1,802 per year — more than the US average by 26.2%.

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.


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Average Nevada auto insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Expenditure in Nevada by Age Group

It’s a fact of life: as you age, your auto insurance prices shift. As a general rule, car insurance is more costly for teenage drivers, as insurers view inexperienced motorists as more risky.

In Nevada, auto insurance costs $8,947 annually for a 16-year-old motorist, versus $1,388 annually for a client in his or her 50s.


NEVADA AUTO INSURANCE RATES BY AGE BRACKET
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

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.




Average Car Insurance Costs in Nevada by Gender

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.


NEVADA AUTO INSURANCE PREMIUMS FOR WOMEN AND MEN
GenderAverage Annual Cost
Male$1,520.26
Female$1,601.72

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.




Average Car Insurance Rates in Nevada by Marital Status

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.


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

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!


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Average Car Insurance Prices in Nevada by Credit Score

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:


NEVADA AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit QualityAverage 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

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!




Typical Car Insurance Costs for Bad Drivers in Nevada

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 most grave vehicular infractions — will increase your yearly insurance rates in Nevada by as much as $643.53.


NEVADA AUTO INSURANCE PREMIUMS AFTER OFFENSES
AgeAverage Yearly Premium
DUI or 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 car insurance payments, it's worth getting quotes to discover affordable insurance coverage that meets your requirements.




Average Car Insurance Costs by Coverage in Nevada

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.


NEVADA AUTO INSURANCE COSTS BY COVERAGE
Coverage LevelAverage 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 policies to get affordable insurance coverage that meets state regulations.