Average Car Insurance Cost in Nevada (2023)

Nevada drivers pay an average annual rate of $2,167 for liability-only coverage and $3,626 for a full-coverage auto insurance policy. Drivers in the Silver State pay significantly higher rates than the national average for car insurance due to high rates of vehicle theft and densely populated metropolitan areas.

In 2022, Nevada had 76,249 cases of property crime — including motor vehicle theft — which increased by 8.09% compared to 2021.^[1] More vehicle crime and theft in an area leads to more insurance claims and higher rates for all drivers. Car insurance rates also depend on your driving record, ZIP code, driving history, type of coverage, and more.

Here’s what you need to know about finding car insurance in Nevada, including how much it costs.

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What’s the average cost of car insurance in Nevada?

Nevada drivers pay an average of $302 for full-coverage insurance and $181 per month for liability-only coverage. You can find the cheapest auto insurance coverage by comparing quotes from multiple companies.

Drivers pay lower rates for liability-only coverage, but full-coverage insurance provides more protection for vehicles.^[3] Here are average liability and full-coverage insurance quotes from top insurance companies in Nevada.

Average Nevada car insurance rates by city

Premium costs can vary by city and ZIP code. Insurance companies evaluate how many claims they write in a particular area.

Policyholders living in areas with more claims generally pay more for coverage because companies consider that area a higher risk for damaging incidents.^[4] In Nevada, drivers in Las Vegas and North Las Vegas pay higher car insurance rates than residents living in other, less populated cities like Pahrump. 

Here are the average monthly liability and full-coverage insurance quotes for different Nevada cities.

Average Nevada car insurance rates by age

Your age can affect how much you pay for car insurance. Young drivers — particularly teenagers — pay the highest car insurance rates by age group due to less driving experience.

Insurance companies see drivers between the ages of 35 and 69 as more experienced drivers who file fewer claims, so these drivers benefit from low rates. Senior drivers age 70 and older may start to pay higher rates due to aging-related risk factors like worsening eyesight and slower reaction times.

Below are the average quotes for Nevada drivers by age group.

How gender affects car insurance rates in Nevada

Because statistics indicate men have a higher risk of car accidents than women, female drivers tend to earn cheaper rates. For example, male drivers between the ages of 16 and 19 are three times as likely to die in a motor vehicle crash than female drivers of the same age.^[5] However, the difference in cost of average rates by gender tends to decrease and even out.

Here are the average car insurance quotes for Nevada drivers by age and gender.

How your driving record affects car insurance rates in Nevada

Your driving record directly influences how much your insurance company charges you for coverage. Past incidents that the insurance company had to pay a claim for, like an at-fault accident, show that you have a greater risk to people on the road than someone with a clean record. Speeding tickets also demonstrate your potential to cause an accident.

Drivers with a past DUI will pay the highest car insurance rates due to the severity of the offense. The overall average cost of car insurance for a Nevada driver with a past recorded incident is $295 per month.

Here’s how much you can expect to pay for coverage if you have an incident on your record.

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Average Nevada car insurance rates by marital status

Though married drivers can have accidents and other driving incidents just as anyone else, insurance companies may see them as less likely to file claims than single people. And if a married couple has two cars and a house, they can benefit from multi-vehicle and bundling discounts.

The difference in the average premiums by marital status is minimal but worth mentioning. See the average monthly quotes in Nevada below.

Average Nevada car insurance rates by credit tier

Some states prohibit insurance companies from using credit history to determine car insurance rates. However, Nevada law allows insurance companies to consider your credit-based insurance score to decide how much you’ll pay for coverage. 

An insurance company sees your credit score as a direct indication of your financial security. Drivers with excellent or good credit scores typically pay lower insurance rates than people with poor credit.

Below, you can find how much Nevada drivers pay for coverage by credit tier.

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