How Much Is Car Insurance in Nevada? (2026)

How much is car insurance in Nevada?

Drivers in the Silver State pay an average of $164 per month, or $1,966 per year, for liability-only auto insurance. On average, full-coverage car insurance in Nevada costs $260 per month, or $3,120 per year.

Nevada car insurance rates are significantly higher than the national average for both liability-only and full-coverage policies.

Auto insurance rates in Nevada are even higher than in neighboring California, despite California’s notably higher cost of living, according to the Economic Research Institute.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$164	$1,966
Full coverage	$260	$3,120

Disclaimer: Table data is based on real-time Nevada quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Minimum car insurance requirements in Nevada

Drivers in the Silver State must meet the following Nevada car insurance requirements: $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury coverage per accident (two or more people), and $20,000 in property damage liability coverage per accident.^[1]

Nevada state law requires auto insurers to offer uninsured/underinsured motorist (UM/UIM) coverage at your liability limits, but you can decline it.^[2]

Coverage Type	Nevada Minimum Requirement
Bodily injury per person	$25,000
Bodily injury per accident	$50,000
Property damage per accident	$20,000

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Cheapest car insurance companies in Nevada

The cheapest car insurance companies in Nevada are Country Financial, State Farm, and Just Pay-Per-Mile. These insurers offer the lowest average rates for liability-only coverage.

Liability-only policies are cheaper than full coverage because they only cover injuries and damage to people and property outside your vehicle if you’re at fault in an accident. Liability insurance doesn’t cover your own medical or repair costs. In the case of expensive accidents, minimum liability coverage limits may not even be enough to cover the costs you’re responsible for.

In 2017, Nevada lawmakers increased the state-minimum required coverage. Legislators acknowledged at that time that these increases would lead to a bump in rates.

The table below shows the cheapest liability-only auto insurance quotes in Nevada:

The below rates in Nevada are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Country Financial	$52
State Farm	$75
Just Pay-Per-Mile	$98
USAA	$105
Sun Coast	$137
Mercury	$143
Safeco	$155
GEICO	$159
Mendota	$161
Allstate	$162
Direct Auto	$167
Root	$168
Trexis	$177
Progressive	$179
Just Unlimited	$187
Liberty Mutual	$208
Farmers	$210
Bristol West	$226
Travelers	$251
American Family	$258

Disclaimer: Table data sourced from real-time Nevada car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Nevada may vary based on the policy buyer's unique driver profile.

Average Nevada car insurance rates by city

By far, Las Vegas and North Las Vegas have the most expensive car insurance rates in Nevada, according to Insurify data. This isn’t surprising: From 2019 to 2023, 64% of all fatal crashes in Nevada occurred in Clark County, which includes both Las Vegas and North Las Vegas, according to a 2025 Nevada Traffic Safety Crash Facts report.^[3]

Impaired driving accounts for 53% of all traffic fatalities in the state, and 51% of traffic fatalities occur at night. As a major gambling and party tourist destination that operates 24/7, Vegas attracts both impaired and nighttime driving.

Las Vegas sees heavy tourist traffic, which can increase the risk of collisions. More than 73% of Nevadans live in Clark County, according to the U.S. Census Bureau.^[4] Carson City has the cheapest car insurance rates in Nevada for both liability-only and full-coverage policies, according to Insurify data. Reno also has more affordable rates.

The below rates in Nevada are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

City	Average Monthly Quote
Carson City	$122
Reno	$145
Sparks	$146
Pahrump	$166
Henderson	$207
Las Vegas	$251
North Las Vegas	$255

Disclaimer: Table data sourced from real-time Nevada car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Nevada may vary based on the policy buyer's unique driver profile.

Average Nevada car insurance rates by age

Your age can affect how much you pay for car insurance in Nevada.

Teen drivers pay the most, on average, at $275 per month for liability-only coverage and $437 per month for full coverage, according to Insurify data.

Drivers in their 60s pay the least, on average, for both liability-only and full-coverage auto insurance in Nevada, at $140 and $222 per month, respectively. 

Expect prices to increase again when you reach your 70s, though premiums are still generally lower than in your 20s, 30s, 40s, and even 50s.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$275	$437
Adults (40s)	$165	$262
Seniors	$140	$222

Disclaimer: Table data is based on real-time Nevada quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Nevada

You’ll get the lowest car insurance rates in Nevada with a clean driving record. You may even qualify for good driver discounts. Rates increase by 22% to 27% if you get a speeding ticket, are in an accident, or receive a driving under the influence (DUI) conviction, Insurify data shows.

Nevada takes these offenses seriously. Speed is one of the leading factors in crashes in the state, according to the Nevada Triennial Highway Safety Plan 2024–2026. In recent years, 52% of all traffic citations in Nevada have been speed-related, and more than one-third (34%) of those were for speeds over 80 mph.

In Nevada, 3.24% of drivers have a speeding ticket on their records, according to Insurify data. Even more (4.61%) have had an accident in their recent driving history. Only 0.65% have a DUI.

Driving Record	Average Monthly Quote in NV	% Increase Compared to Clean Driving Record
Clean driving record	$209	N/A
With speeding ticket	$254	22%
With accident	$265	27%
With DUI	$265	27%

Disclaimer: Table data is based on real-time Nevada quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Nevada?

Nevada has some of the highest car insurance rates in the country, and for several reasons:

• Population density: Most of Nevada’s population (73%) is in Clark County, where 64% of the state’s fatal crashes happen, according to a 2025 Nevada Traffic Safety Crash Facts report. More drivers sharing limited roadways can lead to more collisions.

• Tourism: Similarly, Las Vegas is a major tourist destination. In 2025, 38.5 million people visited the city, increasing traffic, according to the Las Vegas Convention and Visitors Authority. The city’s notoriety as an all-night party destination may also contribute to more collisions.

• Vehicle theft rate: Nevada ranks No. 3 nationally for vehicle theft, behind Washington, D.C., and California, according to Insurify data.

• Weather: Nevada faces one of the highest wildfire risks in the country, which could result in fire-damaged vehicles. Similarly, in Nevada’s mountainous regions, snow poses hazards to drivers and increases the risk of accidents.

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How Nevada car insurance rates have changed over the past five years

Over the last five years, the average annual cost of full-coverage auto insurance in Nevada has risen from $2,370 to $3,078, per Insurify data. That’s a nearly 30% increase in half a decade. Insurify predicts Nevada auto insurance rates will have increased 6% year over year by the end of 2026.

Nevada’s fast-growing car insurance rates are likely due to a mix of factors. Clark County’s population grew 6.2% from 2020 to 2025, according to U.S. Census Bureau estimates, putting more drivers on the road. Nevada’s car theft rate also remains high, and Las Vegas continues to attract more nighttime driving and more impaired driving.

How to lower car insurance costs in Nevada

Nevada has some of the highest car insurance costs in the country, largely due to factors outside your control. Even so, here’s how you can get cheaper car insurance in Nevada:

• Shop around, including regional insurers. Regularly shopping for car insurance can help you find an insurer that offers you a lower rate. At least once a year, compare rates with an online insurance marketplace or independent insurance agent. Include regional insurers, like Nevada Capital Insurance Agency, in your comparison. The Nevada Division of Insurance maintains a list of all insurance companies that offer auto coverage in the state.

• Bundle home and auto. Insurers typically offer a discount if you insure both your home and car. You can generally get multi-policy discounts for home-and-auto bundles and renters-and-auto bundles.

• Choose a safe vehicle. Nevada state law requires insurers to offer a car insurance discount if your vehicle has airbags and other safety devices.

• Take a defensive driving course. Similarly, Nevada state law requires a premium reduction for drivers 55 and older who successfully complete an approved traffic safety course.

• Move out of Clark County. Where you live can also affect car insurance rates. Because of Clark County’s high traffic fatality rate and population density, cities like Las Vegas and North Las Vegas have much higher average car insurance premiums. If you can move elsewhere in Nevada, you could get a lower rate.

• Choose a higher deductible or lower coverage limits. Your coverage may be less comprehensive, but your rates may be lower.

Nevada average car insurance cost FAQs