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Cheap Auto Insurance Quotes in Nevada (January 2022)
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Last Updated: January 2022
What do rock climbers and professional poker players have in common?
They can both save big on car insurance in Nevada.
Whether you’re road-tripping through the West or are lucky enough to call Nevada home, with over one million registered vehicles on over 70,000 miles of roadways, a solid auto insurance policy is vital for every Nevada driver.
Cheapest Car Insurance in Nevada
Here are the cheapest companies in Nevada for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Nevada.
| Cheapest Companies | |
|---|---|
 State Farm | $52/mo |
Progressive | $61/mo |
GEICO | $72/mo |
 Allstate | $82/mo |
 Nationwide | $101/mo |
Best Car Insurance in Nevada
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Nevada. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
Nationwide | $101/mo | |
State Farm | $52/mo | |
GEICO | $72/mo | |
Allstate | $82/mo | |
 Liberty Mutual | $135/mo | |
Progressive | $61/mo | |
 Travelers | $235/mo |
Car Insurance in Nevada
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Nevada to find you the cheapest quotes in each of these metropolitan areas.
As residents of Nevada's most populated city, Las Vegas drivers are always taking a gamble when hitting the road. Notorious for its traffic congestion, the city is also home to drivers who more or less agree that, contrary to what traffic lights might say, there are "no rules."
Quotes by Top Companies
Quotes ($/mo)
$129
$158
$203
$250
$153
$173
$187
$196
$201
$211
$216
$256
ProgressiveState FarmNationwideThe GeneralClearcoverSafecoBristol WestDairylandCommonwealth CasualtyKemperMercuryLiberty Mutual
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Las Vegas | Progressive | $129/mo |
| Henderson |  State Farm | $112/mo |
| Reno | State Farm | $80/mo |
| North Las Vegas | State Farm | $154/mo |
| Sparks |  Sun Coast | $120/mo |
| Carson City | State Farm | $67/mo |
| Pahrump | Sun Coast | $115/mo |
| Elko | Progressive | $61/mo |
| Sun Valley | State Farm | $77/mo |
| Fernley | State Farm | $54/mo |
| Mesquite | Progressive | $61/mo |
| Boulder City | State Farm | $81/mo |
Cheapest Liability Auto Insurance in Nevada
For drivers in Nevada, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Nevada. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Nevada.
Cheapest Full Coverage Auto Insurance in Nevada
For drivers in Nevada, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Nevada. The following are the best insurance rates from carriers that offer full coverage auto insurance in Nevada.
| Cheapest companies | |
|---|---|
 Sun Coast | $180/mo |
Travelers | $238/mo |
 Safeco | $248/mo |
 Midvale Home & Auto | $272/mo |
Nationwide | $298/mo |
Nevada Driving Facts
Minimum Car Insurance Requirements in NV
All motor vehicles operated or parked on Nevada roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Nevada are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Nevada state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/65, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Nevada law.
- $20,000 per accident for Property Damage (PD)
The state minimum amount of property damage liability property damage liability coverage required in the state of Nevada is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Cheapest Car Insurance Quotes in Nevada by Profile
Here are the cheapest insurance companies in Nevada based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
For Nevada drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Grange offers the best options for good drivers in Nevada, at $53 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Grange | $53/mo |
Progessive | $61/mo |
GEICO | $72/mo |
Allstate | $82/mo |
Nationwide | $101/mo |
Cheap Car Insurance for Drivers with DUI
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
State Farm | $74/mo |
CSAA | $80/mo |
GEICO | $96/mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
USAA | $73/mo |
State Farm | $82/mo |
Country | $95/mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
USAA | $62/mo |
GEICO | $73/mo |
State Farm | $74/mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Nevada, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $47 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Nevada 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Nevadans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
USAA | $47/mo |
CSAA | $53/mo |
GEICO | $58/mo |
Country | $59/mo |
State Farm | $65/mo |
SR-22 Insurance in Nevada
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Nevada on your behalf.
NV DMV Information
The Nevada Department of Motor Vehicles has dozens of outposts around the state, operating from 9 to 5 PM, with some special early morning, evening, and Saturday hours.
At the DMV, Nevada residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays, or during lunch hours.
Regardless of where you live in Nevada, a DMV shouldn’t be too far. Nevada residents may be able to skip their visit altogether and get what they need through their online portal. Visitors may also utilize the services provided by the Nevada Department of Insurance while visiting their local Department of Motor Vehicles.
For more detailed rates on specific personas and driving histories, use our Nevada insurance rate resources.
Insurify Insights: How Nevada Drivers Measure Up
Moving Violations Rank
Nevada
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Nevada drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Nevada
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. Among all fifty states, Nevada drivers rank 48 in the number of car accidents per driver.
- Rank of States: #48
- Percent of drivers in Nevada with an accident: 7.59%
- Drivers in NV with an accident in their driving history paid on average 30.34% more than drivers with a clean record
Speeding in Nevada
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Nevada drivers rank 48 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #48
- Percent of drivers in Nevada with a speeding ticket: 5.9%
- Drivers in NV with a speeding ticket in their driving history paid on average 21.72% more than drivers with a clean record
DUI/DWIs in Nevada
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Nevada drivers rank 33 in the number of DUI’s per driver across all fifty states.
- Rank of States: #33
- Percent of drivers in Nevada with a DUI: 1.62%
- Drivers in NV with a DUI in their driving history paid on average 14.98% more than drivers with a clean record
Most Popular Vehicle in Nevada
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Nevada is the Honda Accord.
Rude in Nevada
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Nevada drivers rank 16 in rude driving infractions.
- Rank of States: #16
- Percent of drivers in Nevada with a reckless driving violation: 1.4%
- Drivers in NV with a reckless driving violation in their driving history paid on average 23.97% more than drivers with a clean record.
Safest Drivers in Nevada
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Nevada drivers rank 2 in clean driving records across all fifty states.
- Rank of States: #2
- Percent of drivers in Nevada with clean record: 86.1%
Street Racing in Nevada
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Nevada drivers rank 39 in street racing violations per driver.
- Rank of States: #39
- Percent of drivers in Nevada with a street racing violation: --%
Failure to Yield the Right of Way in Nevada
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Nevada drivers rank 33 in failure to yield violations per driver across all fifty states.
- Rank of States: #33
- Percent of drivers in Nevada with a failure to yield violation: 0.33%
- Drivers in NV with a failure to yield violation in their driving history paid on average 28.46% more than drivers with a clean record
Reckless Drivers in Nevada
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. Among all fifty states, Nevada drivers rank 41 in the number of reckless driving offenses per driver.
- Rank of States: #41
- Percent of drivers in Nevada with a reckless driving offense: 0.06%
Hybrid/Electric Vehicle Ownership in Nevada
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Nevada drivers rank 19 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #19
- Percent of drivers in Nevada with a hybrid/electric vehicle: 0.99%
Greenest Cities in Nevada
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of Nevada offers many green driver incentives, including federal tax credits, parking fee exemptions for alternative fuel vehicles, and discounts through some car insurance carriers.
Sparks
% of Hybrids / Electrics
2%
Most Patriotic City
Las Vegas
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Pahrump won Insurify's Most Patriotic Cities Award for the state of Nevada. Despite this designation, Pahrump is still technically an unincorporated community.
Road Statistics
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Nevada is vital for all car insurance shoppers hitting the road in The Silver State.
Road Rankings
7%Rural Roads in
Poor Condition
#21
Ranked
3%Structurally Deficient
Rural Bridges
#16
Ranked
1%Fatality Rate per 100M VMT
on Rural Roads
#17
Ranked
FAQs - Nevada Car Insurance
What is the punishment for DUI in Nevada?
If you're convicted of a DUI in Nevada, the fallout can be drastic. The DUI lookback period in Nevada is seven years. For first-time offenders, a DUI can lead to two days to six months in jail, community service, hundreds in fines, license suspension, driving school refresher, mandatory substance abuse programming, and installation of an ignition interlocking device.
What is the penalty for driving uninsured in Nevada?
Driving uninsured puts yourself and cars around you in great danger. You should never drive while uninsured. If you’re caught driving uninsured in Nevada, you face hundreds in fines, loss of driving privileges, reinstatement fees, and mandatory filing of SR-22 insurance.
Who has the cheapest car insurance in Nevada?
The best way to get the cheapest car insurance in Nevada and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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