Cheap Car Insurance in Nevada (With Quotes, May 2022)

Nevada is one of the most expensive states in the country for buying car insurance. That’s partly due to increasingly frequent car accident and theft claims in the busy city of Las Vegas. But affordable auto insurance policies are available in the Silver State, and the best way to find the cheapest deal for you is to use Insurify, a tool that allows you to compare multiple quotes.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

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.

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.

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:

Cost isn’t the only thing motorists should pay attention to when reviewing car insurance quotes. Nevada drivers should also check the reputability of each insurance provider. That’s why Insurify has evaluated a variety of data on each company, from customer satisfaction to financial strength ratings, to generate Insurify Composite Scores.

The higher the Insurify Composite Score, the more reliable a Nevada auto insurance provider is likely to be. Our top picks of the best insurance companies in the state of Nevada all offer great coverage, online tools, and customer service. Compare these insurance options against your personalized quotes from Insurify before formally applying for a car insurance policy.

See More: Best Car Insurance Companies

Insurify Composite Score

The 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.

High-risk drivers pay more for car insurance in Nevada, whether they’re purchasing just liability coverage or full coverage. While you can still find affordable car insurance without a clean driving record, annual premiums are generally higher for drivers with negative marks on their record. Here’s how you can expect each type of infraction to impact your rates.

See More: High-Risk Car Insurance Nevada

Cheap Car Insurance for Good Drivers in Nevada

Good drivers are motorists without a history of infractions on their driving record. Typically, rates are lower for drivers with a clean driving record. Below you’ll find the average monthly car insurance for good drivers from some of the cheapest providers in Nevada.

Cheap Car Insurance for Drivers with DUI in Nevada

A DUI is a serious infraction that indicates to insurers that you are a high-risk driver, so you can expect your auto insurance premiums to increase after a DUI conviction. Below are the companies offering the best rates to drivers with a DUI, along with the average monthly premium each company charges.

See More: SR-22 Insurance Nevada

SR-22 Insurance in Nevada

If your license was suspended after a DUI or other conviction in Nevada, an SR-22 will be required to reinstate your driver’s license. Your insurer will file the SR-22 with the Nevada Department of Motor Vehicles as proof of financial responsibility. This may increase the cost of your car insurance policy. These are some of the insurance providers in Nevada offering SR-22 insurance.

Cheap Car Insurance for Drivers with an At-Fault Accident in Nevada

No matter how cautiously you drive, there’s always a risk of an accident. And causing a car accident will raise your insurance premiums. But some insurance providers offer cheaper rates for drivers with at-fault accidents on their record than others. Below are the cheapest companies for drivers with at-fault accidents in Nevada.

Cheap Car Insurance for Drivers with Speeding Tickets in Nevada

Car accidents aren’t the only infraction that can raise your rates. Even a speeding ticket will cause a rise in your auto insurance premiums. But some providers still offer affordable quotes for drivers with speeding tickets. Below are the rates you can expect, on average, from the cheapest car insurance providers for drivers with speeding tickets.

Most insurance companies in Nevada consider your credit-based insurance score when determining your annual premium. Insurance companies charge higher premiums for drivers with bad credit because research has shown that poor credit is correlated with high claims filing, according to the Insurance Information Institute.

Below are the average monthly rates drivers pay in each credit tier. Keep in mind that average rates are based on several individual factors, not just credit score.

See More: Bad Credit Car Insurance Nevada

Car insurance rates vary depending on where you live in Nevada. That’s because accidents and theft are more common in some cities than others. Here’s what you can expect to pay on average in each major city in Nevada.

Young drivers pay more for car insurance on average because they have less experience, which makes them riskier to insure. According to the CDC, teen drivers have a higher risk of getting into a car accident than any other age group. That’s why rates tend to decrease with age. Here’s what you can expect in Nevada based on your age.

Every state has minimum insurance requirements, and Nevada is no exception. Additionally, all drivers in Nevada will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Nevada.

Minimum Car Insurance Requirements in Nevada

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.

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. If you’re a new resident or you need to register your vehicle, you can also visit one of Nevada’s 20 DMV office locations. Note that you’ll need an appointment at some locations.

Public Transportation in Nevada

The four Metropolitan Planning Organizations in the state offer transit service throughout Las Vegas, Reno, Carson City, and Lake Tahoe Basin. 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 percent of Nevada residents use public transportation to commute.

Nevada car insurance is expensive, but it doesn’t have to be unaffordable. The best way to make sure you’re getting the cheapest deal is to compare customized quotes from multiple insurers with Insurify. It’s easy and totally free to use, and you’ll just need to answer a few questions about your vehicle and driving history to get started.

From there, our artificial intelligence technology will get to work finding you personalized deals in Nevada. You’ll be able to view multiple quotes side by side, and you can toggle between coverage levels and deductible amounts to see how your rates would be impacted. When you’re ready to purchase a car insurance policy, you can do so online in minutes.