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Cheap Auto Insurance in Nevada 2022

Drivers in Nevada pay rates starting at $224/mo. for car insurance.

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Sarah Sharkey
Written by
Sarah Sharkey
Sarah Sharkey
Written by
Sarah Sharkey
Insurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Danny Smith
Edited by
Danny Smith
Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.

Updated November 30, 2022

Car Insurance in Nevada

Nevada drivers face some of the most expensive premiums in the country. With an average rate of $433 per month, Nevada ranks as the third-priciest state for buying car insurance, based on Insurify data. On average, Nevadans pay $200 more than the national average rate of $233 per month. 

The high average rate makes it even more important for Nevada drivers to find cheap car insurance by shopping around and comparing quotes from multiple auto insurers. 

With a largely semiarid climate, extensive mountain ranges, and large swaths of desert, Nevada is one of the least populated states in the country.[1]

Quick Facts

  • The average cost of car insurance in Nevada is $433/mo.

  • Travelers is the cheapest provider in Nevada, with average rates of $224/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Cheapest Car Insurance in Nevada

How much is car insurance in Nevada?

The average cost of car insurance in Nevada is $312 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Some Nevada car insurance companies offer better rates than others. The best way to find the cheapest premium for you is to compare customized quotes with Insurify. But if you’re curious about what different auto insurance companies in Nevada are charging, you can find the average monthly cost across hundreds of drivers below.

Car Insurance CompanyAverage Monthly Quote
Sun Coast$179
Travelers$226
Safeco$232
Midvale Home & Auto$246
Kemper$262
Mercury$265
Kemper Specialty$278
Nationwide$307
Progressive$326
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in Nevada

A minimum coverage auto insurance policy in Nevada will provide $25,000 per person and $50,000 per accident in bodily injury liability coverage along with $20,000 per accident in property damage liability insurance. Keep in mind that state minimum insurance won’t cover damages to your vehicle in an accident you cause.

If you choose to purchase only the minimum coverage that meets Nevada car insurance requirements, you could be left vulnerable to high costs later on. But you’ll pay much lower auto insurance rates than if you were to purchase a full-coverage policy. Below are the average rates you can expect for liability insurance at each company.

Car Insurance CompanyAverage Monthly Quote
Sun Coast$128
Kemper$160
Safeco$174
Travelers$179
Midvale Home & Auto$186
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Nevada

For most people, it’s wise to have a full-coverage car insurance policy. A full-coverage policy includes comprehensive and collision coverage. While adding these coverages may increase your rate, you’ll be thankful you had them if you ever cause an accident. Here’s what you can expect to pay in Nevada, on average, for a full-coverage insurance policy:

Car Insurance CompanyAverage Monthly Quote
Sun Coast$215
Travelers$241
Safeco$255
Midvale Home & Auto$270
Mercury$303
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best cheap car insurance in Nevada: Travelers

1
Travelers logo

Travelers

Best Cheap Car Insurance in Nevada
Average Monthly Cost:
$224
Insurify Composite Score:
80

Each insurance company considers your driving record, personal details, and risk factors differently, which leads to a wide range in rates. Nevada drivers, for instance, pay average monthly rates as low as $224 with Travelers and as high as $518 with Dairyland. Explore the table below to see the best cheap quotes from top insurers in the state.

Car Insurance CompanyInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.Average Monthly Quote
Travelers80$224
Nationwide89$245
State Farm88$298
Progressive76$341
GEICO88$379
Sun CoastN/A$224
Erie85$227
Midvale Home & AutoN/A$253
Safeco86$260
MercuryN/A$262
KemperN/A$321
Kemper SpecialtyN/A$344
USAA96$419
Liberty Mutual82$442
Bristol WestN/A$471
DairylandN/A$518
Allstate85$536
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

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What to know about minimum car insurance requirements in Nevada

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. While Nevada requires this level of coverage , drivers can increase their coverage by contacting their insurance company.

Nevada requires insurance for all motor vehicles operated or parked on state roadways. You’ll also need to carry proof of insurance in your car at all times and have it available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Nevada[2] are:

  • $25,000 per person for bodily injury and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Nevada is an at-fault state, meaning the driver who’s responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Nevada DMV information

The Nevada Department of Motor Vehicles offers many services that can be completed online once you sign up for MyDMV, including driver’s license and registration renewals.[3] If you’re a new resident or need to register your vehicle, you can also visit one of Nevada’s DMV office locations. Note that you’ll need an appointment at some locations.

Public transportation in Nevada

The four NDOT Metropolitan Planning Organizations in the state offer transit service throughout Las Vegas, Reno, Carson City, and Lake Tahoe Basin.[4] In small urbanized and rural areas, local public bodies typically provide transit services, which may be more difficult for residents to access. Only about 3% of Nevada residents use public transportation to commute.[5]

Tips for getting cheap car insurance in Nevada

Insurance companies take a lot of information into account, including your age and driving record, when determining premiums. Since each insurance company looks at these risk factors differently, shopping around to compare multiple quotes offers a useful way to find the best rates for your situation. Compare quotes to find the right policy for your situation.

You can also take some other steps to lower your car insurance costs, including:

  • Consider bundling your home and car insurance. Many companies offer discounts if you buy both types of policies from them.

  • Practice safe driving habits. Avoid speeding, hard braking and hard starting.

Look into discounts. Check with your insurance company to see if you qualify for discounts like a good driver or good student discount.

Liability-only vs. full-coverage insurance in Nevada

If you live in Nevada, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Typically, auto lenders and leasing companies require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Nevada by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
Allstate$101$112
Farmers$164$182
GEICO$71$79
National General$168$187
USAA$79$88
Amica$201$223
Bristol West$392$471
Dairyland$424$518
Erie$107$119
Kemper$149$321
Kemper Specialty$225$344
Liberty Mutual$409$442
Mercury$264$262
Midvale Home & Auto$200$253
Nationwide$227$245
Progressive$291$341
Safeco$209$260
State Farm$254$298
Sun Coast$136$224
Travelers$202$224
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your driving history affects Nevada car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers with records free of serious traffic violations like speeding tickets or reckless driving tend to get the best car insurance rates in Nevada. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Nevada based on driving and accident history.

See More: High-Risk Car Insurance Nevada

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Allstate$110$111$118$131
GEICO$78$78$83$93
National General$184$184$197$219
State Farm$61$61$66$73
USAA$86$86$92$103
Amica$219$220$235$261
Bristol West$380$382$408$453
Dairyland$506$619$551$554
Farmers$178$179$191$212
Kemper$322$265N/A$373
Kemper Specialty$327$435$404$406
Liberty Mutual$435$483N/A$521
Mercury$257$290$310$292
Midvale Home & Auto$236$362$276$302
Nationwide$241$223N/A$304
Progressive$320$428N/A$432
Safeco$256$279$344$280
Sun Coast$209$305$255$289
Travelers$220$221$236$262
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Car Insurance Nevada

SR-22 insurance in Nevada

If your license was suspended after a DUI or other conviction in Nevada, a completed SR-22 form will be required to reinstate your driver’s license.[6] Your insurer will file the SR-22 with the Nevada Department of Motor Vehicles as proof of financial responsibility. Find some of the insurance providers in Nevada offering SR-22s below.

How credit scores affect Nevada car insurance quotes

In Nevada, car insurance companies can use your credit score when deciding on your premiums. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$336
Good$397
Average$436
Poor$676
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Bad Credit Car Insurance Nevada

How your city affects Nevada insurance quotes

Nevada auto insurance rates vary based on where you live in the state because factors like average commuting times, population, crime rates, and more are tied to your location. Typically, drivers in urban environments pay more than those in rural areas. In Nevada, drivers living in Las Vegas and North Las Vegas pay the highest rates.

CityAverage Monthly Quote
Boulder City$244
Carson City$151
Elko$190
Fallon$137
Fernley$211
Henderson$311
Laughlin$172
Las Vegas$367
Mesquite$137
North Las Vegas$397
Pahrump$291
Reno$208
Silver Springs$216
Sparks$214
Spring Creek$170
Sun Valley$208
Winnemucca$143
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How your age affects Nevada car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$672
Under 25$577
20s$494
30s$410
40s$387
50s$402
60s$302
70s$301
80+$288
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some will increase rates for one age group more than another, while others will impact all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Though auto insurers consider other factors in addition to age in Nevada, teenagers and drivers under the age of 25 pay the highest average rates for car insurance in the state by age group. The cheapest monthly quotes for young drivers purchasing full-coverage insurance include $250 with Sun Coast and $275 with Travelers.

Car Insurance CompanyLiability OnlyFull CoverageWith AccidentWith DUI
NationwideN/A$343N/AN/A
Progressive$372$438N/AN/A
TravelersN/A$275$284$525
Bristol West$555$613$717N/A
Dairyland$579$646$659N/A
KemperN/A$420N/AN/A
Kemper Specialty$276$434$530N/A
Liberty Mutual$569$635$584N/A
Mercury$388$360$339$736
Midvale Home & Auto$296$334$370$643
Safeco$227$302$315$587
Sun Coast$146$250$261$498
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. Based on Insurify data, middle-aged drivers in Nevada spend between $387 and $410 per month. Liability-only car insurance quotes for this group of drivers start at $128 per month with Kemper and Sun Coast. Other affordable coverage options include Midvale Home & Auto, Safeco, and Travelers.

Car Insurance CompanyLiability OnlyFull CoverageWith AccidentWith DUI
Nationwide$243$241N/A$490
Progressive$237$324N/A$611
Travelers$216$218$201$440
Bristol West$337$427$581$788
Dairyland$353$466$532N/A
Kemper$128$259N/AN/A
Kemper Specialty$191$295$339$569
Liberty Mutual$356$388$439$750
Mercury$209$226$263$434
Midvale Home & Auto$163$225$280$428
Safeco$200$258$246$517
Sun Coast$128$214$273$392
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. By age group, senior drivers tend to earn the lowest car insurance rates in Nevada. Full-coverage car insurance quotes start at $184 with Mercury and $186 with Travelers. The lowest monthly rates for liability-only insurance come from Sun Coast at $150, $177 with Travelers, and $178 with Nationwide.

Car Insurance CompanyLiability OnlyFull CoverageWith AccidentWith DUI
Nationwide$178$201N/A$414
Progressive$221$214N/A$394
Travelers$177$186$201$366
Bristol West$230$319$450$575
Dairyland$328$404$504$772
Kemper Specialty$210$303$393$559
Liberty Mutual$282$290$333$541
Mercury$187$184$218$352
Midvale Home & Auto$203$202N/A$368
Safeco$215$227$247$440
Sun Coast$150$227$309$410
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Nevada car insurance FAQs

  • Travelers, Nationwide, and State Farm offer some of the cheapest rates to Silver State drivers. For full-coverage car insurance, you’ll pay $224 per month at Travelers, $245 per month at Nationwide, and $298 per month with State Farm. Smaller auto insurers in the state, like Sun Coast and Midvale Home & Auto, also provide affordable rates for drivers.

    GEICO provides Nevadans with the cheapest overall rates for both minimum and full-coverage insurance, at the low rates of $71 and $79 per month. State Farm quotes drivers the cheapest average rates by driving history for those with clean records, a speeding ticket, an at-fault accident, and a DUI. Middle-aged and senior drivers earn the lowest rates from Travelers.

  • Insurify data shows that Nevada is the second-safest state to drive in. Only around 13% of Nevada drivers have an incident on their driving record, and the state ranks 47th for the most accidents. Notably, the state ranks 12th in the number of drivers with suspended licenses. Any speeding ticket, DUI, or at-fault accident tends to increase your rates.

    Over 10% of Nevada drivers are uninsured, which increases premiums in the state for everyone because auto insurers factor in the costs associated with uninsured motorists responsible for accidents and other incidents.[7] To adjust to current market conditions, rates are increasing across multiple companies in Nevada and elsewhere in the country.

  • On average, Nevada drivers pay $433 per month for car insurance, which significantly exceeds the national average rate of $233 per month. Nevada drivers pay much more for car insurance than drivers in the bordering states of Arizona, California, Idaho, Oregon, and Utah. Between April 2021 and April 2022, average car insurance rates in Nevada increased by around 16.5%.

    Although the average is relatively high, we found average rates as low as $61 per month. The exact amount you’ll pay for auto insurance varies based on your unique circumstances, including your age, driving record, city location, credit history, and more. When you shop around, you’re likely to find affordable coverage from top insurers.

  • Top insurance companies offer affordable rates to Nevada drivers, including Nationwide, State Farm, and Travelers, which all earned Insurify Composite Score ratings of 80 and above. Smaller insurers, like Sun Coast and Safeco, also have relatively low rates for drivers in the state of Nevada.

    With an ICS rating of 89 and a monthly average rate of $245, Nationwide earned an A+ rating from A.M. Best. Travelers and State Farm both maintain even stronger financial stability for its policyholders with A++ ratings from A.M. Best.

  • No, personal injury protection (PIP) is not required or available in Nevada. Instead, motorists can opt to purchase medical payments (MedPay) coverage, which helps cover their medical costs associated with an accident the driver caused.

    Nevada is an at-fault state, but in no-fault states, PIP coverage is often required to help cover the costs of medical treatment after an accident. In some cases, your PIP coverage may include non-medical benefits, such as compensation for lost wages, household expense reimbursement, and funeral costs.

  • Car insurance is required in Nevada, and it’s illegal to drive without the minimum required liability insurance. You need at least $25,000 per person and $50,000 per accident for bodily injury liability and $20,000 in property damage liability.[8]

    Liability coverage pays for other people’s injuries and damages from an accident you caused. Underinsured/uninsured motorist coverage protects you if you have an accident with someone without adequate coverage. Though not required, you can add collision or comprehensive coverage to your policy if you need additional protection.

  • When you get car insurance in Nevada, the policy tends to follow the car and not the driver. As a result, insurance companies will often pay out a claim whether or not you were behind the wheel. If an insured driver borrows your car, their coverage will likely kick in if your coverage limit is reached.

    If possible, avoid loaning your vehicle to an uninsured or unlicensed driver. Unfortunately, an accident could have significant financial and legal consequences for both you and the uninsured driver.

  • A full-coverage auto insurance policy in Nevada includes both comprehensive and collision coverage, on top of the minimum liability coverage requirements. A comprehensive policy covers damage to your vehicle as a result of a natural disaster, theft, or vandalism. The other element of the policy is collision coverage, which covers your repair costs after an accident.

    Depending on your situation, a full-coverage policy could be the right decision for your finances. For example, drivers with more expensive vehicles may want to opt for full coverage. If you’re financing a vehicle, the lender might require you to pay for full coverage until you’ve paid off the loan.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. State of Nevada Joint Information Center. "History of Nevada." Accessed November 30, 2022
  2. Nevada Department of Business and Industry. "State Minimum Car Insurance Requirements." Accessed November 30, 2022
  3. Nevada DMV. "Online Services." Accessed November 30, 2022
  4. Nevada DMV. "Online Services." Accessed November 30, 2022
  5. Nevada Tomorrow: Measuring What Matters. "Workers Commuting by Public Transportation." Accessed November 30, 2022
  6. Nevada Department of Motor Vehicles. "Insurance." Accessed November 30, 2022
  7. Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed November 30, 2022
  8. Nevada Department of Business and Industry. "State Minimum Car Insurance Requirements." Accessed November 30, 2022
Sarah Sharkey
Written by
Sarah Sharkey
Linkedin

Insurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Learn More
Danny Smith
Edited by
Danny Smith
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.