How Much Does Car Insurance Cost In Nevada?

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Average Cost of Car Insurance in Nevada

On average, car insurance rates for drivers in Nevada are $312 per month, and $3741 per year. The average rates make Nevada the 8th most expensive state in the country for car insurance rates and 28% more expensive then the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $31250%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Nevada Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Nevada and has selected the following providers and quotes as the best rates for drivers in Nevada.

Cheapest CompaniesQuotes
state-farm

State Farm

$52/mo
progressive

Progressive

$61/mo
geico

GEICO

$72/mo
allstate

Allstate

$82/mo
nationwide

Nationwide

$101/mo

What Is the Average Cost of Car Insurance in Nevada by Age?

Nevada’s average car insurance rates are generally pretty high—but teenagers pay a particularly high price of $683 per month. Fortunately, the average rate goes down by more than $300 for drivers in their 20s, who pay $368 per month.

If you’re in your 30s, 40s, or 50s, you’ll likely pay a bit less than the state average—which is still one of the higher average rates in the country. Nevada drivers over the age of 60 pay average monthly rates that range from around $250 to near $300, which is still much less than half what teenagers pay.

AgeAvg. Monthly Rate
Teens$683
20s$368
30s$266
40s$301
50s$254
60s$243
70s$271
>80s$292

What Is the Average Cost of Car Insurance in Nevada by Gender?

In Nevada, men have an average car insurance rate that is $16 above that of women. At $320 per month, men pay $8 above the state average for car insurance.

GenderAvg. Monthly Rate
Male$320
Female$304

Does Marital Status Influence the Average Cost of Car Insurance in Nevada?

As you pop the bubbly at your wedding, you’ll be excited to learn there’s yet another cause for celebration: lower car insurance rates! On average, married drivers in Nevada pay $28 less for car insurance. Meanwhile, single drivers pay $320 per month, which is $8 above the state average.

Marital StatusAvg. Monthly Rate
Married$292
Single$320

What Are the Minimum Car Insurance Requirements in Nevada?

Nevada requires a fairly standard amount of car insurance, with $25,000 in bodily injury liability per person and $50,000 per accident. So if someone is harmed in an accident where you are at fault, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers must have $20,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident. These limits were increased in 2018, which shows the state’s commitment to ensuring Nevada’s drivers are sufficiently protected on the road.

nevada

How Does Credit History Affect Nevada Car Insurance Rates?

Nevada allows car insurance companies to consider your credit score when determining your car insurance rates. Despite this, drivers with an excellent credit history, on average, pay $11 more on car insurance ($284 per month) than those with a poor credit history ($273 per month). Drivers with an average or good credit history pay the most for car insurance, at $299 per month and $337 per month, respectively.

Credit HistoryAvg. Monthly Rate
Poor$273
Average$299
Good$337
Excellent$284

What Is the Average Cost of Car Insurance in Nevada for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Nevada should expect their monthly rate to increase marginally —plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $81. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$175
At-Fault Accident$211
Speeding$212

Tips for Researching Nevada Car Insurance Rates

When it comes to car insurance rates, you never quite know what you’re going to get. Prices vary between companies, based on a variety of factors. With many trusted carriers offering their services in Nevada, drivers in the Silver State will want to make sure they’re comparing rates so that they can find the right policy for their budget.

Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.

Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

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FAQs - Nevada Car Insurance

Why is car insurance so expensive in Nevada?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Nevada?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Nevada. 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.

Which providers have the best auto insurance ratings in Nevada?

'The way to find the carrier with the best auto insurance ratings in Nevada and save on your insurance premiums 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.'

How much do annual auto insurance rates increase in Nevada?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.