Average Car Insurance Cost in Nevada (2025)
Drivers in Nevada pay an average of $227 per month for car insurance.
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Written byBen Luthi
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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Edited byMatthew Gross
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Table of contents
Nevada has some of the most expensive auto insurance rates in the U.S. The average monthly cost of car insurance in Nevada is $174 for liability coverage and $280 for full coverage.
One reason for the state’s high rates is that roughly 94% of Nevadans live in urban areas — and urban drivers typically pay more for car insurance than rural drivers.[1]
Nevada drivers have seen significant rate increases since 2023, although premiums are down from their peak in April 2024.
Quick Facts
Reno residents pay some of the cheapest rates for full coverage in Nevada, while rates in Las Vegas are highest overall.
Car insurance rates in Nevada rose significantly in 2024.
Nevada drivers pay an average annual rate of $2,719 for auto insurance.
How much is car insurance in Nevada?
Nevadans pay an average monthly premium of $174 — or an annual rate of $2,083 — for liability-only coverage. For full coverage, which includes collision and comprehensive insurance, the average rate is $280 per month, or $3,354 per year.
Keep in mind that these are just averages. Your rate will depend on several factors, including your age and driving habits. Understanding the average cost can help you decide if it’s worth trying to lower your rate.
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How Nevada car insurance rates have changed over the past two years
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To find car insurance rates in Nevada and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Nevada rose to $3,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Nevada.
See how Nevada car insurance prices have changed over the past two years below.
Average Nevada Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Nevada car insurance rates by city
Car insurance rates can vary from city to city, even within the same state. The difference is primarily due to rates of vandalism, theft, and accidents. Higher-population areas usually have more of these incidents.
Here’s a quick look at how auto insurance rates vary within the state of Nevada:
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Sparks | $107 | $204 |
| Reno | $110 | $197 |
| Pahrump | $133 | $219 |
| Henderson | $177 | $270 |
| North Las Vegas | $202 | $316 |
| Las Vegas | $207 | $323 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Nevada (2025)
Average Nevada car insurance rates by age and gender
Insurance premiums can vary based on your age and gender. For example, young drivers — particularly teenagers — typically get in more accidents than older drivers.
Men generally get in more accidents — and more serious ones — than women. As a result, women typically pay lower rates.
Here are the average rates in Nevada based on age and gender:
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $398 | $652 |
| 18 | $347 | $567 |
| 20 | $247 | $403 |
| 25 | $220 | $360 |
| 30 | $193 | $317 |
| 40 | $181 | $296 |
| 50 | $156 | $255 |
| 60 | $142 | $232 |
| 70+ | $164 | $268 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $364 | $596 |
| 18 | $317 | $518 |
| 20 | $226 | $369 |
| 25 | $201 | $329 |
| 30 | $177 | $290 |
| 40 | $165 | $271 |
| 50 | $143 | $233 |
| 60 | $130 | $212 |
| 70+ | $150 | $245 |
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.
Average cost to insure popular vehicles in Nevada
Your car’s make and model can also affect your insurance rate. Different models have different repair costs, theft rates, safety records, and engine sizes.
Tesla’s gigafactory near Lake Tahoe may be one of the reasons why its models are so popular in the state. Here’s a look at the average rate for some of the most popular cars in Nevada:
Vehicle | Average Monthly Quote |
|---|---|
| Tesla Model Y | $505 |
| Tesla Model 3 | $558 |
| Ford F-Series | $287 |
| Toyota RAV4 | $281 |
| Chevrolet Silverado | $305 |
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.
How your driving record affects car insurance rates in Nevada
Your driving record is another important influence on your car insurance rates. Insurers see high-risk drivers — people with accidents and serious moving violations on their record — as more likely to file claims. High-risk drivers pay more than drivers with a clean record.
It’s also important to note that most violations remain on your record for three years in Nevada — though serious incidents can remain for up to 10 years.[2]
Among common violations in Nevada, a speeding ticket will increase your rate by the least. But if you get a DUI, you’ll likely see a significant spike in your premiums.
Here’s a quick look at average rates for drivers with incidents on their record:
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $351 | 47% |
| With speeding ticket | $327 | 37% |
| With DUI | $399 | 67% |
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.
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How to lower your insurance costs in Nevada
Although Nevada drivers pay more for auto insurance than the national average, you can take steps to save money on your car insurance. Here are a few tips to help:
Shop around
Every insurer has different rates. Shopping around and comparing insurance quotes from at least three companies can help you maximize your savings.
Look for discounts
Auto insurance companies often offer discounts for good driving habits, students, and more. When comparing your options, look for discounts that may fit your situation.
Get the right coverage
Knowing how much car insurance you need can be difficult, but finding a balance between your policy’s cost and coverage limits is important. While you may need more than your state’s minimum-coverage requirements, evaluate your current policy to determine whether you can drop any unnecessary coverage.
Raise your deductible
While choosing a low deductible may be tempting, raising it can help reduce your rates. But selecting a higher deductible means you’ll pay more out of pocket if you need to file a claim.
Practice good driving habits
If you have a violation on your record, you’ll need to wait a minimum of three years to have it removed. In the meantime, finding an insurer offering a telematics program can help you save money. Using a mobile app or plug-in device, your insurer can track your driving and may lower your rates.
Improve your credit
Nevada allows insurers to use your credit history when determining your rate — though they can’t deny coverage or raise your rate based solely on your credit information.[3] Improving your credit could potentially help you qualify for lower rates.
Nevada average car insurance cost FAQs
We’ve answered some common questions about car insurance in Nevada to help you as you consider your options. Check them out below.
Nevada drivers pay an average annual rate of $2,083 for liability-only insurance and $3,354 for full coverage. But your rate will depend on several factors, including your ZIP code, driving record, age, gender, and credit history.
COUNTRY Financial offers the least expensive auto insurance in the Silver State, with an average of $32 per month for liability-only insurance. Shopping around and comparing rates is the best way to get cheap car insurance.
The average monthly premium for Nevadans is $174 for liability-only coverage and $280 for full coverage.
Farmers, Allstate, GEICO, State Farm, and Progressive are some of the best insurers in Nevada, according to Insurify data.
Nevada’s minimum-coverage car insurance requirements include bodily injury coverage of $25,000 per person and $50,000 per accident, and $20,000 in property damage insurance.[4] Remember that the minimum liability coverage may not be enough to protect you if you’re in an at-fault accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- United States Census Bureau. "Nation’s Urban and Rural Populations Shift Following 2020 Census."
- Nevada Department of Motor Vehicles. "Driver History Reports."
- Nevada Division of Insurance. "Credit Scoring FAQs."
- Nevada Department of Motor Vehicles. "Insurance."
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.