Average Car Insurance Cost in Nevada (2024)

Drivers in Nevada pay $254 per month, on average, for car insurance.

Courtney Washington
Courtney Washington

Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.

Katie Powers
Edited byKatie Powers
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated October 24, 2023

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Nevada drivers pay an average annual rate of $2,297 for liability-only coverage and $3,802 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.

Quick Facts
  • Nevada is an at-fault state, which means the driver responsible for the accident is legally required to cover the other driver’s vehicle repairs and medical bills.[2]

  • The average cost of car insurance in Nevada is $191 for liability coverage and $317 for full coverage.

  • Nevada is one of the most expensive states for car insurance.

Find Cheap Car Insurance in Nevada

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

Nevada drivers pay an average of $317 for full-coverage insurance and $191 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.

Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
Country Financial$37$58
State Farm$54$88
GEICO$65$105
USAA$76$123
Allstate$97$157
Midvale Home & Auto$131$192
Farmers$152$246
Safeco$151$205
Nationwide$156$246
Mercury$162$191
Sun Coast$173$272
Travelers$181$294
American Family$97$301
Progressive$187$252
Dairyland$201$363
Liberty Mutual$183$261
Bristol West$307$491
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.

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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Las Vegas$221$351
North Las Vegas$216$365
Reno107$210
Sparks$106$225
Pahrump$134$245
Henderson$178$288
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 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.

Rates by Age

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 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.

AgeAverage Quote: MaleAverage Quote: Female
16$629$515
35$300$272
50$230$221
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 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 $319 per month.

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

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$191$317
With accident$260$431
With speeding ticket$252$418
With DUI$298$495
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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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.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Single$184$307
Married$176$295
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 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.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Excellent$162$271
Good$180$301
Fair$198$331
Poor$288$482
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.

Nevada car insurance FAQs

Nevada drivers pay more for coverage than the average U.S. driver. The following information should help you find cheap car insurance in Nevada that meets your insurance needs.

  • What is the average cost of car insurance in Nevada?

    Nevada drivers can expect to pay an average of $254 per month for car insurance. However, rates differ depending on the amount of coverage you choose to buy. The average cost of liability coverage in the state is $191 per month, and full-coverage insurance is $317.

  • What is the cheapest car insurance in Nevada?

    The cheapest car insurance company in Nevada is COUNTRY Financial, which offers liability coverage for just $37 per month. State Farm also offers affordable liability coverage, at $54 per month. The cheapest insurer for you will vary, so you should compare quotes from multiple insurers.

  • Do car insurance rates vary by county in Nevada?

    Yes. Rates can vary by your city, county, and ZIP code, depending on crime rates, population density, accident rates, traffic congestion, and more. For example, drivers in Las Vegas pay higher rates than residents of less populated Nevada cities like Pahrump.

  • What are the best auto insurance companies in Nevada?

    Some of the best car insurance companies in the state include State Farm, USAA, and GEICO. State Farm earned an Insurify Quality (IQ) Score of 4.4 out of 5, and USAA and GEICO earned IQ Scores of 4.3 and 4.2, respectively. The best Nevada auto insurance company for you will depend on your driver profile, desired coverage, and more.

  • What are the car insurance requirements in Nevada?

    Nevada requires drivers to carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $20,000 per accident in property damage liability.[6]

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Nevada Crime Statistics. "Property Crime 2022: Nevada."
  2. NOLO. "Nevada Car Accident Laws."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  6. Nevada Division of Insurance. "Understanding Auto Insurance."
Courtney Washington
Courtney Washington

Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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