Nevada Average Cost of Car Insurance Rates (2023)

How Much Does Car Insurance Cost 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 than 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.

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.

Nevada Car Insurance Rates by City

For drivers in Nevada, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Nevada.

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.

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.

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.

Minimum Car Insurance Requirements in Nevada

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 be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Nevada^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Nevada is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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.

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.

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. See All Auto Insurance Companies