)
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Featured in
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
The average cost of car insurance in Nevada is $177 per month for liability insurance and $286 per month for full coverage, which is much higher than the nationwide monthly averages of $105 and $197.
Car insurance in Nevada may be more expensive due to the state’s higher-than-normal speed limits on highways and interstates.
Whether you’re a rideshare driver in Las Vegas or a nature lover navigating Nevada’s many mountains, here’s how to find cheap car insurance in Nevada.
The Silver State is home to Las Vegas, one of the largest tourism destinations in the U.S. Many out-of-town drivers who are unfamiliar with the roads can affect traffic and accident rates.
Nevada drivers pay a yearly average of $3,437 for full-coverage car insurance.
A DUI conviction in Nevada could result in license revocation and an SR-22 insurance requirement for three years.[1]
3 of the cheapest car insurance companies in Nevada
When shopping for car insurance in Nevada, it’s a good idea to look for companies that can offer specific coverages or discounts that you need, such as rideshare insurance or discounts for student drivers. In most cases, the best car insurance company is the one that caters to your individual situation, driving record, budget, and other needs.
Farmers
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $133/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $212/mo |
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
James
February 26, 2025
Forget Farmers Insurance!
Robert
February 26, 2025
Poor
Borden
February 25, 2025
Average
Established 95 years ago, Farmers has grown into one of the largest insurance companies in the country. The company offers various coverages, including auto, home, renters, and life insurance. Policyholders can save by taking advantage of numerous discounts for multiple vehicles, safe driving, bundling, and more. While Farmers has slightly higher rates than some competitors, the company has an A (Excellent) rating from AM Best for financial strength.
Offers numerous driving discounts
More established than some insurers with cheap liability-only rates
Not the cheapest option available
Low customer satisfaction on the National Association of Insurance Commissioners (NAIC) Customer Complaint Index
Allstate
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $135/mo |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Jack
February 27, 2025
It's the Agent
Gregory
February 26, 2025
Ready to Move On
Ann Connor
February 26, 2025
Very Good
Retail giant Sears, Roebuck and Co. founded Allstate in 1931, and the company has grown into one of the largest property/casualty insurers in the U.S., operating in all 50 states and Washington, D.C. The insurance company provides auto, home, renters, condo, motorcycle, ATV, and term life insurance. Allstate offers numerous ways to reduce premiums, including bundling, new vehicles, good students, and anti-theft feature discounts. Rideshare drivers can purchase additional coverage, including gap insurance, for as little as pennies a day.
Offers affordable rideshare insurance through Ride for Hire program
Pay-per-mile coverage available
Lower rating for customer satisfaction on the NAIC Complaint Index
Rates aren’t the cheapest available in the market
GEICO
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $91/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Kc
February 26, 2025
Pros and Cons of GEICO Insurance
Theresa
February 26, 2025
Still tops in my opinion!
Fredi
February 26, 2025
Time to Change. No Customer Loyalty
GEICO is another popular nationwide auto insurer with a strong presence, which may give young drivers like teens confidence in a near-century-old brand. With some of the cheapest car insurance options for teens in Nevada, GEICO increases opportunities for teens and students to save by offering age-specific discounts, including Driver’s Education, Good Student, and Student-Away-at-School discounts. Drivers with clean records will pay the lowest rates, though teens or young adults with at-fault accidents or moving violations will see an increase.
Various discounts for students
Highly rated mobile app
Rideshare insurance not available
Gap insurance not available
How to get the cheapest car insurance in Nevada
Getting the cheapest car insurance available in Nevada isn’t a one-time exercise. As factors like your driving history and industry trends change, your policy premiums might increase.
Thankfully, you can try to secure the lowest cost car insurance rates possible by following these tips:
Ask about discounts. You may be eligible for discounts for taking a defensive driving course, having certain vehicle safety features, being affiliated with organizations, or getting good grades in school. Call an insurance agent who can help you determine what discounts you can get.
Bundle policies. If you need more than just car insurance in Nevada, consider buying home insurance, renters insurance, or life insurance through the same company you buy auto insurance from. You can typically get a discounted rate on both policies.
Reconsider coverage. Depending on your car’s value, it may be smart to reduce optional coverages. You may also want to consider less coverage if you only drive limited miles.
Compare quotes. Get a Nevada car insurance quote from multiple companies for the same coverage level to better compare auto insurance rates and find the best option for you.
Cheapest liability-only car insurance quotes in Nevada: COUNTRY Financial
Liability-only car insurance in Nevada protects you only when you’re at fault for an accident that caused damages and injuries to others.
Liability car insurance typically meets the minimum auto insurance requirements in a state, so it’s usually the cheapest car insurance policy you can buy and still drive legally. But the minimum required amount of liability coverage may not provide you with adequate financial protection in case of an at-fault accident.
On average, liability-only coverage costs $177 per month in Nevada. Here are the average quotes from Nevada car insurance companies for liability-only coverage.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
COUNTRY Financial | $33 |
State Farm | $48 |
GEICO | $57 |
USAA | $66 |
Allstate | $85 |
Farmers | $133 |
Nationwide | $137 |
Mercury | $138 |
Safeco | $147 |
Sun Coast | $150 |
Root | $153 |
Travelers | $159 |
American Family | $162 |
Direct Auto | $166 |
Progressive | $183 |
Dairyland | $187 |
Liberty Mutual | $248 |
Bristol West | $254 |
Cheapest full-coverage car insurance quotes in Nevada: COUNTRY Financial
Technically, there’s no standard full-coverage policy because each insurer offers different types and levels of car insurance coverages. But most insurers that offer full-coverage auto insurance add comprehensive and collision to a liability-only policy, so the driver has coverage for damages to their own vehicle as well as damages or injuries they cause someone else. Full coverage also pays for non-collision incidents, like theft, vandalism, or damage from extreme weather.
Nevada drivers pay an average of $286 per month for full-coverage car insurance. Here are the cheapest full-coverage insurers in Nevada to help you start your search.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
COUNTRY Financial | $52 |
State Farm | $76 |
GEICO | $91 |
USAA | $106 |
Allstate | $135 |
Mercury | $174 |
Safeco | $199 |
Farmers | $212 |
Nationwide | $218 |
Progressive | $223 |
Root | $246 |
Sun Coast | $251 |
Travelers | $253 |
American Family | $259 |
Direct Auto | $294 |
Liberty Mutual | $305 |
Dairyland | $350 |
Bristol West | $402 |
Cheapest recent car insurance quotes in Nevada
Drivers in and around Nevada have found policies from Liberty Mutual, Mercury, Sun Coast, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on February 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on February 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your car insurance rates can change depending on how old you are. Teen drivers pay the most for car insurance because they have the highest risk of getting into an accident. Around age 25, rates usually start to decrease. But rates for senior drivers may increase slightly around age 70 due to age-related risk factors.
You can see how car insurance rates differ for Nevada drivers in various age groups in the table below.
Age Group▲▼Average Monthly Quote: Liability Only▲▼Average Monthly Quote: Full Coverage▲▼Teen drivers $328 $529 Adult drivers $168 $272 Senior drivers $135 $218 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Nevada
Nevada law requires drivers to carry a minimum amount of bodily injury and property damage liability insurance, called 25/50/20, which translates to the following coverages and limits:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $20,000 per accident |
If you want more protection as a Nevada driver, consider adding these optional car insurance coverages:
Comprehensive coverage
Comprehensive insurance covers damages from non-accident events, like falling objects, vandalism, theft, weather, and more.
Collision coverage
Collision insurance covers damages to your vehicle when you hit another car or object like a tree, fence, or light pole, even if you’re at fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage insures you and your passengers if you’re injured and the at-fault driver has no coverage or insufficient coverage.
Medical payments (MedPay) coverage
Medical payments coverage pays for you and your passenger’s medical expenses regardless of who’s at fault in the accident.
Rideshare coverage
This type of coverage fills in the gaps where Uber’s or Lyft’s insurance doesn’t cover you while you’re driving for them.
Cheapest car insurance in Nevada by driving record
You can be a relatively safe driver yet still see your car insurance premium rise due to a single incident. Speeding tickets, at-fault accidents, and convictions for driving under the influence (DUI) signal to your insurer that you were driving in a way that could increase the potential for an accident. Insurers raise your rates to offset this risk.
For example, Nevada drivers with a clean record pay an average of $177 per month for liability insurance. But drivers with a DUI pay a monthly average of $291.
Here’s how incidents on your record can affect car insurance rates in Nevada.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI/DWI ▲▼ |
---|---|---|---|
COUNTRY Financial | $43 | $47 | $54 |
State Farm | $60 | $65 | $79 |
GEICO | $72 | $78 | $93 |
USAA | $84 | $90 | $108 |
Allstate | $108 | $115 | $139 |
Farmers | $169 | $181 | $218 |
Nationwide | $176 | $188 | $224 |
Mercury | $188 | $203 | $213 |
Safeco | $190 | $204 | $229 |
Sun Coast | $200 | $217 | $247 |
Travelers | $204 | $217 | $260 |
American Family | $207 | $222 | $265 |
Root | $211 | $225 | $228 |
Direct Auto | $212 | $231 | $272 |
Progressive | $232 | $253 | $300 |
Dairyland | $237 | $252 | $306 |
Bristol West | $326 | $346 | $416 |
Liberty Mutual | $337 | $356 | $406 |
Many factors affect car insurance rates, including your ZIP code. You can see how Nevada car insurance rates vary by city in the table below.
The below rates are estimated rates current as of: Thursday, February 27 at 11:00 AM PST.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
City▲▼Average Quote: Liability Only▲▼Average Quote: Full Coverage▲▼Sparks $107 $204 Reno $110 $197 Pahrump $133 $219 Henderson $177 $270 North Las Vegas $202 $316 Las Vegas $207 $323 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Nevada car insurance FAQs
If you’re a high-risk driver in Nevada, check out Insurify’s guide on the best car insurance companies for your driving record. In the meantime, here are the answers to common questions about Nevada car insurance.
The average cost of car insurance in Nevada is $177 per month for liability insurance and $286 per month for full coverage.
COUNTRY Financial has the cheapest car insurance rates in Nevada, at $33 per month for liability coverage and $52 for full-coverage car insurance.
Nevada drivers can also find cheap rates with State Farm and GEICO, which have monthly liability-only rates of $48 and $57, respectively.
A few of the best car insurance companies in Nevada include Allstate, GEICO, Farmers, and USAA. These insurers have plenty of discounts for drivers, strong AM Best ratings, and high Insurify Quality (IQ) Scores.
But the best car insurance company for you depends on your individual needs and budget, so it’s important to compare quotes. Get car insurance quotes from at least three companies to compare and find the best option for you.
No. Nevada isn’t a no-fault state for auto insurance. It’s an at-fault state, which means the driver who caused an accident is responsible for paying for the injuries and damages of other people involved.[3]
Yes. It’s illegal to drive without insurance in Nevada. Driving without insurance can result in a license and vehicle registration suspension, SR-22 insurance requirement, and a penalty of $250 to $1,750 per uninsured vehicle, depending on the number of past violations.[4]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Nevada Department of Motor Vehicles. "License Reinstatement."
- Nevada Department of Insurance. "Understanding Auto Insurance."
- NOLO. "Nevada Car Insurance Requirements."
- Nevada Department of Insurance. "Consumer's Guide to Auto Insurance Rates."
)
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.