As both a rock climber’s haven and a gambler’s retreat, Nevada has the best of all worlds. If you’re looking to hike all day and party all night, the Silver State may be the place for you.
Whether you’re road-tripping through the West or are lucky enough to call Nevada home, with over one million registered vehicles on over 70,000 miles of roadways, a solid auto insurance policy is vital for every Nevada driver. Compare and save on the best and cheapest car insurance quotes in Nevada here.
Cheapest Car Insurance in Nevada
Here are the cheapest insurance companies in Nevada for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates from the twenty most populous cities in Nevada to calculate the cheapest rates in Nevada.
Best Car Insurance in Nevada
With billboards on the road, commercials on the radio, and every other ad on TV touting a loud insurance provider claiming to be the best, cheapest, or most reliable, how do you mute out the noise and find the best option for you and your lifestyle? Data scientists at Insurify did the hard work for you.
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Nevada. For the complete list, see Insurify’s best car insurance companies.
Most Popular Car Insurance Companies in Nevada
The American car insurance market is lead by a few key players. According to the Insurance Information Institute (III), these are the most popular car insurance companies in Nevada by market share:
Cheapest Car Insurance Quotes in Nevada by City
Prices of auto insurance may fluctuate from company to company and city to city. Factors like driving history and age will also contribute to the price of your monthly premium. Auto insurance costs may vary greatly between locations and insurance companies. Just because one company offers the best rates for your driver profile in Vegas doesn’t mean it’ll do the same in Sparks.
Insurify analyzed the latest data for five of the most populous cities in Nevada to find you the cheapest quotes in each of these metropolitan areas.
Cheapest Car Insurance Quotes in Nevada by Profile
Here are the cheapest insurance companies in Nevada based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
USAA will frequently offer Nevada residents some of the most competitive and cheapest auto insurance options, but these are only available to retired or current personnel of the U.S. military and their family members.
Cheap Car Insurance for Good Drivers
For Nevada drivers with a clean record free of any moving violations, auto insurance rates may be significantly lower. Grange offers the best options for good drivers in Nevada, at $52 a month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Cheap Car Insurance for High-Risk Drivers
High-risk drivers in Nevada, including those with one or more traffic violations, may have to pay more for their car insurance premiums. High-risk drivers tend to have higher monthly premiums than the national average. State Farm offers the best deal for drivers with a DUI at $X/month. For drivers with at-fault accidents or speeding tickets on their driving record, USAA provides the best option at $73 and $62 per month respectively. rates for high-risk drivers tend to be higher than those for other drivers.
Cheap Car Insurance for Drivers with DUI in Nevada
If you’re convicted of a DUI in Nevada, you may be paying the price for years to come. For a decade after a DUI offense, drivers can be penalized on their insurance premiums. First time DUI offenses in Nevada can lead to jail time, court and reinstatement fees, SR-22 filings and license suspensions.
It’s no secret that DUIs have major repercussions. Here are the best rates we could find for Nevada drivers with a DUI:
Finding affordable rates on car insurance with a DUI can be challenging, but it isn’t impossible. You should consider using an insurance quote comparison website like Insurify to help you find the lowest quote from the best company!
Cheap Car Insurance for Drivers with an At-Fault Accident in Nevada
When even a small fender-bender causes a spike in your car insurance costs, its best to choose the right policy before it’s too late. If you’ve opted into accident forgiveness, you may have caught a break. But if you haven’t, finding the right discounts may save your budget.
If you have an at-fault accident on your driving record, it’s important to shop for a new policy every chance you get to renew. Insurance companies look at different time windows for driving history. For example, one company might look at the last five years while another looks at the last three.
Here are the best rates we could find for drivers with one at-fault accident:
Cheap Car Insurance for Speeding Drivers in Nevada
Getting to your destination a few minutes ahead of schedule may not be worth the years of increased insurance premiums that result from a speeding ticket. The more demerits a driver has on their driving record, the more demerits they may get on their driver’s license. More demerits means higher premiums.
To recover from the effect of speeding tickets on your driving record, search for discount programs you may be eligible for, or a defensive driving course.
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Nevada, you will likely pay more for auto insurance coverage than the average driver. Inexperienced drivers often pose a higher risk for insurance providers, so their rates are often increased accordingly. USAA Insurance offers the cheapest car insurance rates for young drivers, averaging $47 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
Car Insurance for Drivers with Poor Credit
Unfortunately, it can be challenging to find cheap car insurance in Nevada if you have a poor credit score.
Nevada car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can increase your insurance rates if you have bad credit.
Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims. To account for the increased risk, insurers raise insurance premiums for bad drivers. Car insurance premiums fluctuate based on many factors, not just credit score, depending on where you live in Nevada. Having good credit can save you a whole lot of cash in the long run.
Nevada Auto Insurance Laws
Each state has their own car insurance requirements and laws. Be sure to familiarize yourself with Nevada’s unique auto insurance rules if you’re relocated to the Sagebrush State.
State Minimum Coverage Requirements in Nevada
All motor vehicles operated or parked on Nevada roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Nevada are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Nevada state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Nevada law.
- $20,000 per accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Nevada is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Optional Supplemental Coverage
Comprehensive coverage and collision coverage pay for repairs to your car when it’s involved in an accident or stolen. Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.
Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses or auto damage due to a collision.
Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
Uninsured and underinsured motorist coverage are not required in Nevada but can be a lifesaver in the event of an accident with an uninsured motorist. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered.
Medical Payments, or simply Med Pay, covers reasonable medical costs for you or your passengers in the case of injury from an accident. If a car accident results in serious bodily injury, Med Pay can help ease the stress of high medical bills after a hospital visit.
Am I liable if I cause a car accident in Nevada?
Nevada abides by an at-fault insurance system.
What does that mean, exactly? The driver who is determined to be at-fault in an accident is responsible for damages. The at-fault driver must compensate any other driver, passengers, or injured pedestrians affected in the accident. Determining fault in a car accident isn’t always cut and dry. Sure, if one driver is texting and causes a pile-up, they’re clearly at fault. But what happens if the details of the accident are a bit foggier? Because of this, litigation is often involved after car accidents in fault-based car insurance systems.
AAA Car Insurance and Roadside Assistance In Nevada
Locked your keys in the car? Battery dead? Flat tire? If you’ve ever found yourself in this situation, you’ve probably relied on the American Automobile Association (AAA) for roadside assistance. But did you know that AAA also offers automobile insurance for Nevada drivers?
Divided into regional clubs, AAA insurance and roadside assistance operates throughout Nevada. To find out which independent agents operate AAA insurance in your region, visit AAA’s website and search using your ZIP code.
Distracted Driving in Nevada
Driving while using electronic devices is incredibly dangerous, and the cause of 3,450 fatal accidents in Nevada annually. Texting is forbidden for all drivers. Additionally, the use of all hand-held cell phones while driving is banned.
SR-22 Insurance in Nevada
If your license has been suspended or revoked, these auto insurance companies will file an SR-22 with the state of Nevada on your behalf. Nevada‘s state licensing authority will inform drivers if they require SR-22 insurance. If you’ve been convicted of a DWI, moving violation, or other serious offense, you may be required to file for an SR-22.
Drivers who are found guilty of a DWI can face penalties of up to six months in jail, hundreds in fines and court fees, license suspension, and mandated installation of ignition interlocking devices for first-time offenders. Punishment worsens for subsequent offenses.
The lookback period in Nevada is seven years, which means you’ll be paying the price for years after breaking the law.
In Nevada, many insurance companies offer to file an SR-22 on your behalf, including Acceptance, Ameriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, Hallmark, Infinity, Mendota, Mercury, National General, Progressive, Safeco, Stillwater, The General, Titan, United Auto, and Victoria.
If you're convicted of a DUI in Nevada, the fallout can be drastic. The DUI lookback period in Nevada is seven years. For first-time offenders, a DUI can lead to two days to six months in jail, community service, hundreds in fines, license suspension, driving school refresher, mandatory substance abuse programming, and installation of an ignition interlocking device. Driving uninsured puts yourself and cars around you in great danger. You should never drive while uninsured. If you’re caught driving uninsured in Nevada, you face hundreds in fines, loss of driving privileges, reinstatement fees, and mandatory filing of SR-22 insurance. The best way to get the cheapest car insurance in Nevada and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
Nevada Auto Insurance FAQs
What is the punishment for DUI in Nevada?
What is the penalty for driving uninsured in Nevada?
Who has the cheapest car insurance in Nevada?
If you're convicted of a DUI in Nevada, the fallout can be drastic. The DUI lookback period in Nevada is seven years. For first-time offenders, a DUI can lead to two days to six months in jail, community service, hundreds in fines, license suspension, driving school refresher, mandatory substance abuse programming, and installation of an ignition interlocking device.
Driving uninsured puts yourself and cars around you in great danger. You should never drive while uninsured. If you’re caught driving uninsured in Nevada, you face hundreds in fines, loss of driving privileges, reinstatement fees, and mandatory filing of SR-22 insurance.
The best way to get the cheapest car insurance in Nevada and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
It Pays to Go Green in Nevada
The state of Nevada offers many green driver incentives including emissions test exemptions, tax breaks, and insurance discounts.
Federal income tax credits, Nevada excise tax credits, equipment repair rebates, and special electricity rates may be granted to buyers of eco-friendly vehicles including electric cars, hybrids, plug-ins, diesel-powered, or alternative fuel vehicles.
If you’re thinking about your next big car purchase, consider a fuel-efficient vehicle—it’s good for both your wallet and the planet in the long run.
Nevada Driver Services Information
The Nevada Department of Motor Vehicles has dozens of outposts around the state, operating from 9 to 5 PM, with some special early morning, evening, and Saturday hours.
At the DMV, Nevada residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays, or during lunch hours.
Regardless of where you live in Nevada, a DMV shouldn’t be too far. Nevada residents may be able to skip their visit altogether and get what they need through their online portal. Visitors may also utilize the services provided by the Nevada Department of Insurance while visiting their local Department of Motor Vehicles.
Nevada drivers can save big on their car insurance policies.
To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From Vegas to the Northern Sierra, Nevada drivers deserve to find the cheapest car insurance available.
Compare Nevada car insurance companies today on Insurify.
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