Best Cheap Auto Insurance in Nevada (2024)

COUNTRY Financial has the cheapest car insurance rates for Nevada drivers.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 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.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 February 26, 2024 at 11:00 AM PST

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At a monthly average of $247, Nevada’s car insurance costs are the second highest in the country. The state also has the second fastest-rising rates, with an increase of 36% in the first six months of 2023. Still, it pays to compare car insurance quotes because some companies offer cheaper insurance than others, and unique factors like your driving history and age will influence your rate.

Car insurance in Nevada may be more expensive due to the state's higher-than-normal speed limits on highways and interstates. Plus, the Silver State is home to Las Vegas, one of the largest tourism destinations in the U.S., so many out-of-town drivers, who are unfamiliar with the roads, can also affect traffic and accident rates.

Whether you’re a rideshare driver in Las Vegas or a nature lover navigating Nevada’s many mountains, you need car insurance to protect yourself. However, finding affordable coverage in Nevada can be tricky.

Quick Facts
  • The average cost of car insurance in Nevada is $186 a month for liability insurance and $308 a month for full coverage.

  • A DUI conviction in Nevada could result in license revocation and an SR-22 insurance requirement for three years.[1]

  • Some Nevada insurers don’t consider credit-based insurance scores, despite the state allowing the practice.[2]

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Rates start as low as $37 for liability-only coverage

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Best 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 policy is the one that caters to your individual situation, driving record, budget, and other needs.

Best insurer for liability-only coverage: Farmers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$152/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.
$246/mo

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.

Pros
  • Offers numerous driving discounts

  • More established than some insurers with cheap liability-only rates

Cons
  • Not the cheapest option available

  • Low customer satisfaction in the National Association of Insurance Commissioners (NAIC) Customer Complaint Index.

For over a month, I have been trying to get just two vehicles on my policy, and they can’t get it right. And they are impossible to get ahold of. Very frustrating.

Joel - December 1, 2023
Verified

As a company, they were wonderful, but they jacked up their rates so high for me to stay with them. They require you to pay two months in advance, which is $500, which was out of my price range. I just don’t understand why they do that.

jessica - November 27, 2023
Verified

They treated me well.

Karen - November 21, 2023
Verified
Read our Farmers review

Best insurer for rideshare drivers: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
824
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.
$97/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.
$157/mo

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.

Pros
  • Offers affordable rideshare insurance through Ride for Hire program

  • Pay-per-mile coverage available

Cons
  • Lower rating for customer satisfaction in the NAIC Complaint Index

  • Rates aren’t the cheapest available in the market

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

Best insurer for young drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
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.
$65/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.
$105/mo

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 enjoy the lowest rates, though teens or young adults with at-fault accidents or moving violations will see an increase.

Pros
  • Various available discounts for students

  • Highly rated mobile app

Cons
  • Rideshare insurance not available

  • Gap insurance not available

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Cheapest liability-only car insurance 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 $186 per month in Nevada. Here are the average quotes from Nevada car insurance companies for liability-only coverage.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
COUNTRY Financial37
State Farm54
GEICO65
USAA76
Allstate97
Midvale Home & Auto124
Safeco151
Farmers152
Nationwide157
Mercury163
Sun Coast171
Travelers182
Progressive186
American Family186
Liberty Mutual193
Dairyland198
Bristol West304
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.

Cheapest full-coverage car insurance in Nevada: COUNTRY Financial

Technically, there’s no standard full-coverage policy because each insurer offers different types and levels of car insurance coverages. However, 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, on average, $308 per month for full-coverage car insurance. Here are the cheapest full-coverage insurers in Nevada to help you start your search.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
COUNTRY Financial60
State Farm88
GEICO105
USAA123
Allstate157
Midvale Home & Auto190
Mercury193
Safeco208
Travelers246
Farmers246
Nationwide248
Progressive257
Sun Coast266
Liberty Mutual268
American Family301
Dairyland361
Bristol West479
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.

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Why are car insurance rates rising in Nevada?

Nevada drivers face the second-highest car insurance rates in the country, with an average annual premium of $2,568, which is 54% higher than the national average of $1,668. Nevada also has the second fastest-rising rates in the U.S., with a 36% increase in the first six months of 2023, according to Insurify’s Mid-Year Auto Insurance Trends Report.

Nevada’s spiking rates could be partially explained by an increasing number of severe crashes. Nevada saw its fifth-deadliest year on the roads in 2022, with 382 driving fatalities. Tourism in Las Vegas could also contributes to rising rates since more drivers who are unfamiliar with the area lead to more congested highways.

Insurance rates have increased 17% across the U.S. in 2023, and if industry trends are any indication, Nevada drivers may continue to see rate hikes. Insurify’s data science team predicts a total nationwide increase of 22% by the end of the year.

Nevada car insurance requirements

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:[3]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$20,000 per accident

Nevada drivers are welcome to purchase additional optional coverages. Insurers must offer drivers uninsured/underinsured motorist coverage at the above limits, but drivers don’t have to purchase it.

Michael DeLong, research and advocacy associate at the Consumer Federation of America, suggests that drivers in cities like Las Vegas and Reno consider extra coverage.

“Drivers living in popular tourist areas should consider adding comprehensive or uninsured/underinsured motorist coverage to their policies,” he says. “Significant numbers of drivers lack insurance, and you don't want to end up paying for your own property damage or medical costs.”

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers damages from non-accident events, like falling objects, vandalism, theft, weather, and more.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This insures you and your passengers if you’re injured and the at-fault driver has no coverage or insufficient coverage.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments (MedPay) coverage

    This coverage pays for you and your passenger’s medical expenses regardless of who’s at fault in the accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/26eb27a188/rideshare-coverage.svg

    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.

How Much Car Insurance Do You Need? (2024)

How Much Car Insurance Do You Need? (2024)

Cheapest car insurance for drivers with an incident

You can be a relatively safe and responsible driver yet still see your car insurance premium rise due to a single incident. Speeding tickets, moving violations, and convictions for driving under the influence signal to your insurer that you were driving in an irresponsible way that could increase the potential for an accident. If your rates can increase because an accident could have happened, it’s no surprise that your rates will also rise if you’re involved in an at-fault accident.

Here’s what you need to know about how incidents on your record can affect car insurance rates in Nevada.

Find Car Insurance in Nevada

Rates start as low as $44 for drivers with motor vehicle violations

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Cheapest car insurance for drivers with a speeding ticket

Nevada has some of the highest speed limits in the country, with rural interstate speeds as high as 80 mph. Speeding is a frequent factor in fatal car crashes and was a factor in 32% of fatal car crashes in Nevada between 2015 and 2019.[4] [5]

Risks can be present while obeying the speed limit, which means these risks are only elevated when you exceed the speed limit, and insurers increase rates to offset this increased risk.

Nevada drivers with a speeding ticket can see their car insurance rates rise to a monthly average of $401 for full coverage, and $242 for liability-only insurance. The table below shows the cheapest Nevada car insurance companies for drivers with a speeding ticket.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full Coverage Average Quote: Liability Only
COUNTRY Financial7546
State Farm10665
GEICO12980
USAA15093
Allstate192119
Mercury272230
Safeco276200
Farmers302186
Travelers306227
Nationwide307194
Progressive328237
Liberty Mutual354255
American Family374231
Dairyland457251
Bristol West596378
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.

Cheapest car insurance for drivers with an at-fault accident

Although speeding and driving under the influence are factors in car accidents, you can be at fault for an accident even when you’re driving as carefully and responsibly as possible. Distractions, misjudging distances, ongoing construction, and dangerous road conditions can lead to accidents. In Nevada, Clark County had the most fatal car accidents from 2015 to 2019, making up 66% of all fatal accidents in the state.[5]

Your insurance rate will typically increase after an at-fault accident. However, if you've had a clean driving record for at least three years, you may be able to qualify for accident forgiveness coverage, which can ensure your rates don't rise after your first at-fault accident.

In Nevada, drivers with at-fault accidents typically pay an overall average of $242 for car insurance. Here are the cheapest car insurance companies in Nevada, on average, for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full Coverage Average Quote: Liability Only
COUNTRY Financial8049
State Farm11168
GEICO13583
USAA15897
Allstate201124
Mercury284240
Safeco293213
Farmers315195
Travelers319236
Nationwide321203
Progressive344249
Liberty Mutual371267
American Family388240
Dairyland473259
Bristol West612388
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.

Cheapest car insurance for drivers with a DUI

Impaired driving is fatal: Drivers, passengers, and pedestrians alike die in drunk-driving car crashes each day. Even a small amount of alcohol in your bloodstream impairs your ability to operate a vehicle safely, which increases your likelihood of getting into an accident. Impaired driving was a factor in 43% of all crash fatalities in Nevada between 2015 and 2019, making it the biggest contributing factor.[5]

Nevada imposes stiff penalties on drivers convicted of a DUI, ranging from up to six months in jail, to having an ignition interlock device placed on your vehicle for up to three years, depending on your blood alcohol level at the time of your arrest.

Insurers penalize DUI-convicted drivers with some of the highest policy rates possible, making it more difficult to find affordable car insurance coverage. A DUI conviction can push car insurance rates to an overall average of $379 per month for Nevada motorists. The table below shows the cheapest auto insurance companies in Nevada for drivers with a DUI.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full Coverage Average Quote: Liability Only
COUNTRY Financial9357
State Farm13683
GEICO162100
USAA190117
Allstate242150
Mercury302255
Safeco321233
Travelers379281
Farmers379234
Nationwide383242
Progressive396287
Liberty Mutual413298
American Family464287
Dairyland557305
Bristol West739469
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.

Cheapest car insurance for seniors

With nearly 17% of the population age 65 and older, Nevada seniors should be aware that although car insurance rates can decrease around age 35, these rates will likely increase again around age 70. Even with a clean record, age-related conditions negatively affect seniors’ driving abilities. Compromised cognition, vision, and physical mobility, coupled with the presence of medication, could make it more likely for a senior driver to be involved in an accident.[6]

On average, Nevada seniors pay $224 for full coverage, and $135 for liability. Here are the cheapest car insurance companies for senior drivers in Nevada.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full Coverage Average Quote: Liability Only
COUNTRY Financial3521
State Farm4729
GEICO6138
USAA7446
Allstate9458
Progressive12288
Mercury128108
Nationwide12981
Farmers13986
Travelers145107
Safeco147106
Liberty Mutual163117
American Family167103
Dairyland231127
Bristol West297188
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.

Cheapest car insurance for teens

Teen drivers tend to have the highest rates compared to all other age groups, due to their high frequency of accidents and moving violations. Teens have a fatal crash rate that’s almost four times higher than drivers older than 19.[7] By driving a car with modern safety features, keeping young drivers on a parent’s car insurance policy, and qualifying for student-centric discounts, teen drivers may get a lower rate. Minor teens won't be able to buy an insurance policy on their own with the written consent of a parent or legal guardian.

Teen drivers in Nevada see average monthly car insurance rates of $528 and $319, respectively, for full coverage and liability-only car insurance. Here are the average monthly car insurance quotes from insurers for teen drivers in Nevada.

The below rates are estimated rates current as of: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full Coverage Average Quote: Liability Only
COUNTRY Financial8351
State Farm14891
GEICO162100
USAA199123
Allstate270167
Mercury349295
Safeco366265
Nationwide415263
Farmers420259
Travelers435322
Liberty Mutual446321
Progressive450326
American Family502310
Dairyland573314
Bristol West779495
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.

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 via 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.

Find Car Insurance in Nevada

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Nevada car insurance quotes by credit tier

State law allows Nevada car insurance companies to use a driver’s credit history to generate a credit-based insurance score. A credit-based insurance score helps companies determine coverage eligibility and cost of car insurance for residents. The Division of Insurance publishes a list of insurers that do and don’t use data from credit-based insurance scores.[2]

It’s a good idea for Nevada drivers to check this list and consider getting a quote because, generally speaking, insurers who use credit-based insurance scoring tend to give higher rates to drivers with a poor credit score and reserve the best rates for drivers with an excellent or good credit score.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. 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.

  • How much is car insurance in Nevada?

    The average cost of car insurance in Nevada is $186 a month for liability insurance and $308 a month for full coverage.

  • What are the cheapest car insurance companies in Nevada?

    COUNTRY Financial has the cheapest car insurance rates in Nevada, with $37 for liability coverage and $60 for full coverage car insurance. Nevada drivers can also find cheap rates with State Farm and GEICO, which have average liability-only rates of $54 and $65, respectively.

  • What are the best car insurance companies in Nevada?

    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.

    However, 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.

  • Is Nevada a no-fault state for auto insurance?

    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.[8]

  • Is it illegal to drive without insurance in Nevada?

    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.[9]

Insurify Insights

How Nevada Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Nevada below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Nevada drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in Nevada

#46

State with the Most Speeding Tickets Rank

#43

State with the Moving Violations Rank

#28

State with the Most DUIs Rank

#15

State with the most Suspended Licenses

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Nevada is the #43 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #43
    • Percent of drivers in Nevada with an accident: 6.8%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Nevada is the #28 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #28
    • Percent of drivers in Nevada with a DUI: 1.3%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Nevada is the #36 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #36
    • Percent of drivers in Nevada with a reckless driving offense: 1%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Nevada is the #36 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #36
    • Percent of drivers in Nevada with a rude driving violation: 1.2%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Nevada is the #46 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #46
    • Percent of drivers in Nevada with a speeding ticket: 6.1%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Nevada is the #29 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #29
    • Percent of drivers in Nevada with a failure to yield violation: 0.1%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Nevada Department of Motor Vehicles. "License Reinstatement." Accessed July 20, 2023
  2. Nevada Department of Insurance. "Credit Scoring FAQs." Accessed July 20, 2023
  3. Nevada Department of Insurance. "Understanding Auto Insurance." Accessed July 20, 2023
  4. NHTSA. "Speeding and Aggressive Driving Prevention." Accessed July 20, 2023
  5. Nevada Departments of Public Safety & Transportation. "Nevada Traffic Safety Crash Facts." Accessed July 20, 2023
  6. III. "Senior driving safety and insurance tips." Accessed July 20, 2023
  7. Insurance Institute for Highway Safety. "Teenagers." Accessed July 20, 2023
  8. Nolo. "Nevada Car Insurance Laws and Requirements." Accessed July 20, 2023
  9. Nevada Department of Insurance. "Nevada Consumer’s Guide to Auto Insurance Rates." Accessed July 20, 2023
Nick Dauk
Nick Dauk

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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

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