Best Car Insurance in Nevada (2025)
Farmers, Allstate, and GEICO are among the top Nevada car insurance companies.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Shopping for the best car insurance can be challenging, especially since every driver has different needs. Drivers in Nevada pay an average of $198 per month for car insurance, although rates can vary. Insurify analyzed 50 car insurance companies in Nevada to help you find the best car insurance for your needs.
If you’re shopping for the cheapest car insurance in Nevada, here’s how to find the right policy and insurer.
Best car insurance companies in Nevada
To help you narrow your search for the best car insurance companies in Nevada, we’re sharing insight into five of the best insurers in the Silver State.
Farmers: Best overall
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $207/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $272/mo |
3.8
A solid optionBased on 2,325 verified guest reviews and ratings
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,214)
Bryan
Verified Review
A Low-Risk Customer
Reviewed in Missouri on October 2025
Farmers has been okay. They were cheaper than my last company. However, they are all too high for the risk.
Johnella
Verified Review
Mediocre
Reviewed in Alabama on October 2025
Be wary of them; they will constantly increase your premiums with annual renewal and no claims.
Kenneth
Verified Review
Current Farmers Policy
Reviewed in Oklahoma on October 2025
It is expensive compared to other companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
599NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Farmers is a well-known insurance company that provides Nevada drivers affordable coverage. Besides having a strong industry reputation, Farmers offers a bundling option and a variety of discounts to help you save money, including loyalty, good payer, and good student discounts. Its smartphone app can monitor your driving, which can lead to saving more money.
Pros
Telematics program
Wide variety of discounts
Various bundling options available
Cons
Low J.D. Power customer satisfaction score in the Southwest region
Not available in every state
Limited customer service hours
Allstate: Best for rideshare coverage
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $132/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $174/mo |
3.9
A solid optionBased on 7,333 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,809)
Phyllis
Verified Review
Today's Insurance
Reviewed in South Carolina on October 2025
I was satisfied until I had an accident that totaled my car and a claim from the person I hit. Then my policy rate tripled. I have had Allstate insurance for over 60 years in 4 states.
Tobi
Verified Review
Allstate Rating
Reviewed in Colorado on October 2025
Have always been helpful and work to get me the best coverage at an affordable price.
Richard
Verified Review
It seems like at Allstate, as with many insurance companies, they raise the rates every year even if you don’t have any issues. State Farm is 40% cheaper.
Reviewed in Texas on October 2025
It seems like at Allstate, as with many insurance companies, they raise the rates every year even if you don’t have any issues. State Farm is 40% cheaper.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
633NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
If you work as a rideshare driver, you need insurance that provides financial protection while you’re on the job. Unfortunately, not every car insurance company offers rideshare insurance.
Allstate’s Ride for Hire coverage provides coverage for rideshare drivers while they’re transporting a passenger or waiting for a ride request. This coverage also provides gap coverage of up to $2,500 if your vehicle is damaged while picking up a passenger or during the ride.
Pros
Rideshare insurance available
Can bundle with other types of insurance
Separate coverage is available for drivers who travel to Mexico
Cons
Below-average J.D. Power customer satisfaction score in the Southwest region
High number of negative customer reviews on Trustpilot
Rates are merely average compared to other insurers
GEICO: Best for discounts
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $202/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $234/mo |
3.9
A solid optionBased on 12,669 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,677)
Kathleen
Verified Review
Program Analyst
Reviewed in Hawaii on October 2025
Due to an accident and the fact that he was not listed as a driver on the car, and it was a government GEICO insurance, they dropped my insurance. So now I'm looking for a new policy for my cars.
Kelly
Verified Review
Great customer service
Reviewed in Wyoming on October 2025
Very pleasant.
Stephanie
Verified Review
Overcharged and Can No Longer Afford Car Insurance
Reviewed in California on October 2025
I am being overcharged for car insurance, paying $243 a month for full coverage despite having been driving for over 20 years. In the last 4 or 5 years with Geico, I have had no accidents or tickets, yet instead of my car insurance decreasing for being a safe driver, it has increased from $150 to $190 and now $243. It just doesn't make any sense, and I would advise people not to get car insurance through Geico.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Choosing a car insurance company that offers a wide variety of discounts is one way to save money. GEICO has more than 30 discounts you may be eligible for, including discounts for defensive driving, having a clean driving record, and having an anti-theft system or anti-lock brakes. Since GEICO offers bundling, you can also save money by buying more than one policy from the company.
Pros
Many discounts available
Customer service is available 24/7 online or through the mobile app
Offers motorcycle, ATV, and RV insurance
Cons
Below-average J.D. Power customer satisfaction score in the Southwest region
No gap coverage
No rideshare or new car replacement coverage available
State Farm: Best for industry experience
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $97/mo |
4.1
Best choiceBased on 12,014 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,316)
Theodore
Verified Review
When the chips are down...
Reviewed in Pennsylvania on October 2025
They were unhelpful in the wake of the pandemic when the shortage of auto parts led to long waits for repairs. There was no flexibility regarding lender vehicles or rentals.
Kaitlin
Verified Review
I am very happy with State Farm.
Reviewed in Georgia on October 2025
They were very good. I am well pleased.
Joseph
Verified Review
Excellent but expensive
Reviewed in Florida on October 2025
State Farm offers good coverage but is pricey.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest car insurance company in America and has more than 100 years of experience. It offers a variety of digital resources, including its Drive Safe and Save telematics program that monitors your driving habits via an app to help you earn discounts. Besides car insurance, State Farm provides many other types of coverage. You can save money by bundling multiple policies while working with an experienced car insurance company.
Pros
Customer service available by phone 24/7
Rated A++ (Superior) by AM Best
Bundling and other discounts available
Cons
Payoff Protector (gap) coverage restricted to customers who originate an auto loan through State Farm Bank
Mixed reviews on Trustpilot
No loyalty discount
Progressive: Best for technology
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 614 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $173/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,279)
Tammy
Verified Review
Very poor customer service when called
Reviewed in Pennsylvania on October 2025
A random person was added to my policy without my consent because they have the same address as me. I received one email with a "will add in 2 weeks" note at the bottom. They have my number and everything, but nothing was done. They added them anyway.
Lauran
Verified Review
Good Experience with Progressive
Reviewed in Oregon on October 2025
Best pricing for auto insurance in my area.
Tijuana
Verified Review
Unhappy Customer
Reviewed in South Carolina on October 2025
Everything was good until they decided that one of my vehicles is not garaged at my home, which it is, and they canceled my insurance for that reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
614NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive offers several tools that make it easy to find personalized insurance coverage. With its AutoQuote Explorer, you can quickly compare rates from multiple insurers. The Snapshot telematics program rewards safe driving with potential savings, and the Name Your Price tool helps tailor coverage to fit your budget.
Pros
Customer service available 24/7
Mobile app has many positive reviews
Rated A+ (Superior) by AM Best
Cons
Fairly low J.D. Power customer satisfaction score in the Southwest region
Mixed Trustpilot reviews
Rates trend higher than rates from many competitors
Our editorial team analyzed regional and national auto insurance companies that sell policies in Nevada to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Nevada
The companies above are solid options if you’re shopping for new coverage, but understanding some basic guidelines can help you find the best policy.[1] Keep these tips in mind when you’re shopping for car insurance.
Consider how much coverage you need
Buying more car insurance coverage than you need leads to overspending. Think critically about the type and amount of car insurance coverage you need so you buy only what’s necessary. If you’re unsure about the policy type or coverage amount you need, ask an insurance agent for guidance.[2]
Shop smart
The higher the actual cash value (market value) of your vehicle, the more it’ll cost to insure. Picking a budget car won’t just save you money on the car lot — it’ll save you money on insurance, too. You may also save on vehicle registration and maintenance costs over the years.
Compare quotes from several insurance companies
Ideally, you want to compare quotes from at least three different companies to see which one can offer you the best coverage for the right price. When shopping for a new car insurance policy, read online reviews from real policyholders and consider customer service scores to get an idea of what it’s like to work with the company.
Pay close attention to reviews that describe issues with filing claims or dealing with uninsured motorists. Remember, the goal isn’t necessarily to find “cheap” insurance but an affordable policy that offers the coverage you need.
Look for discounts
Many auto insurance companies offer a variety of discounts. It’s always a good idea to compare discount options before choosing a car insurance company. For example, if you have young drivers in your household, you may save money if they qualify for a good student discount. Similarly, a mileage-based discount might save you some money if you work from home and don’t commute.
Bundle policies
If you work with an insurer that offers a variety of insurance products, you can often save money by bundling your policies. For example, you may qualify for a discount if you have a renters or homeowners policy with the same company as your car insurance policy.
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Average cost of car insurance in Nevada
Where you live — down to the ZIP code — can affect your insurance rates.[3] That means if you live in the hustle and bustle of Las Vegas, you may pay a different premium than someone who lives in less-populated Lake Tahoe.
Local weather, crime, and traffic patterns can affect the risks drivers face, and insurers consider those risks when setting premiums. Your driving record, the type of vehicle you drive, and your credit history can also affect the rate an insurer offers.
If you live in Nevada, your auto insurance policy will be a significant part of your monthly budget; Nevada has the fourth-highest auto insurance rates in the country.[4] The average rate for a full-coverage car insurance policy in Nevada is $240 per month, while the national average is much lower, at $179 per month. Liability-only coverage in Nevada costs $157 per month.
Best car insurance in Nevada FAQs
This additional information may help as you research car insurance options in Nevada.
How much is car insurance in Nevada?
Drivers in Nevada pay an average of $198 per month. A full-coverage policy in Nevada costs $240 per month, and a liability-only policy costs an average of $157 per month.
What are the best car insurance companies in Nevada?
Farmers, Allstate, GEICO, State Farm, and Progressive are some of the best auto insurance companies in Nevada.
What is the required auto insurance coverage amount in Nevada?
In Nevada, drivers must meet certain minimum coverage requirements to drive legally. All Nevada drivers must maintain $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $20,000 in property damage coverage.[5]
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Sources
- National Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Las Vegas Review-Journal. "Your auto insurance is going up again. ‘Las Vegas partygoers’ are partly to blame."
- Nevada Division of Insurance. "Understanding Auto Insurance."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.