Are Auto Insurance Rates Trending Up in Nevada?

The Zebra
May 31, 2019

As anyone who drives — and insures — a car is well-aware, auto insurance costs usually rise each year. But car insurance is complex: justifications for rate hikes and price cuts vary, and may differ based on the driver's location.

Among the primary rating factors insurance companies use to set rates is location. The ZIP code, city, and state in which a vehicle is parked and driven help decide auto insurance prices, which comes down state law and the varying risks associated with insuring cars in different areas.

Due to the dynamic nature of car insurance pricing, yearly rate trends vary widely by state. Car insurance prices might be on the rise each year in one state while decreasing in an adjacent state.

See below auto insurance rate trends in Nevada. If you're paying too much, consider shopping around to find a better rate. The Zebra's auto insurance comparison engine allows you to get auto insurance rates based on your specific profile — enter your ZIP below to get started.


Auto insurance pricing trends in Nevada


In Nevada, average annual auto insurance premiums went up by $69 over the past year. The typical driver in Nevada now pays an average premium of $1,915 per year.

The general trend in Nevada is leaning toward higher auto insurance rates. Between 2015 and 2018, rates increased by an average of $630 per year. At the same time, car insurance prices nationwide have risen in recent years, rising from $1,280 in 2015 to $1,470 in 2018.


NEVADA AUTO INSURANCE PRICE TRENDS
YearAvg. Annual Premium — NevadaYearly Change — NevadaAvg. Annual Premium — USYearly Change — USA
2018$1,915$69$1,470$32
2017$1,846$49$1,437$69
2016$1,797$512$1,368$88
2015$1,285$66$1,280$51
2014$1,219$30$1,229$34
2013$1,189$4$1,195-$80
2012$1,185-$299$1,276$82

If your rate trends vary from those above, consider shopping around to find a better deal.


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How are car insurance rates changing in major cities in Nevada?


Car insurance policies are priced at the ZIP code level with an array of region-specific variables impacting how much you pay. That means drivers can see major differences in their car insurance rates, based solely on their ZIP code or city. For instance, Paradise drivers endured a larger yearly rate increase (6.5%) than did drivers in Las Vegas (6.5%) between 2018 and 2017.

See below annual rate changes in major Nevada municipalities. If your city is expensive — and moving isn't a feasible option — you can always get quotes and try to find a more reasonable rate.


CityAvg. Premium Increase — 2018 vs. 2017
Paradise6.5%
Las Vegas6.5%
North Las Vegas6.3%
Henderson6.3%
Reno5.0%

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