Best Car Insurance in Nevada (2026)
Farmers, Allstate, and GEICO are among the top Nevada car insurance companies.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
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 HelzerEditor
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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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, 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 $196 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. | $235/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. | $312/mo |
3.8
A solid option in NevadaBased on 2,400 verified driver 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 in Nevada 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 in Nevada for
Bundling discounts
Minimum coverage
Safe drivers
Showing 4 reviews from Nevada drivers - See all 1,120 Farmers reviews
Robert
Verified Review
Farmers Insurance Rate Increase
Reviewed in Nevada on January 13, 2026
Stay away, they just raised my auto/home by over $1,500 without a single claim or accident! I will be shopping again.
Linda
Verified Review
Farmers' NO BUENO
Reviewed in Nevada on June 25, 2025
I was horrified when a representative at Farmers started raising their voice at me over the phone. I was upset over my increasing monthly premiums. They had increased 180% over a year's time, not due to any claims!
Mitch
Verified Review
There are Better Insurance Companies than Farmers Automobile Coverage
Reviewed in Nevada on April 20, 2025
They do not consider insurance for people like me who only drive five or six thousand miles a year and don't offer any discounts. It's frustrating because they keep charging more money every year instead of giving discounts to insured individuals like me. The less time you spend on the road, the fewer accidents you're likely to have, not more. I would understand increased coverage and cost if you're someone who travels a lot and has numerous fender benders every year. As for me, I don't drink and drive, don't use the cell phone while driving, don't smoke and drive, and I don't engage in conversations while driving. I keep my eyes on the road.
Virgil C
Verified Review
Tired of High Insurance Rates
Reviewed in Nevada on April 18, 2025
Insurance rates are too high. They need to come down.
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 | 3.8 |
|---|---|
| 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. | 8.9 /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. | $150/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. | $200/mo |
3.8
A solid option in NevadaBased on 9,834 verified driver 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 in Nevada 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 in Nevada for
Accident forgiveness
Wide availability
Cheap rates
Showing 16 reviews from Nevada drivers - See all 4,330 Allstate reviews
Mike
Verified Review
Verycar Average Car Insurance
Reviewed in Nevada on February 8, 2026
Average price went up, as usual.
Stephanie
Verified Review
Disappointed
Reviewed in Nevada on February 4, 2026
I'm very disappointed in Allstate due to the huge increase in my policy renewal rate.
John
Verified Review
I am looking elsewhere for my insurance needs
Reviewed in Nevada on December 17, 2025
The rates keep going up with no information as to why.
Aurora
Verified Review
Mediocre, at best. I feel like I'm paying way too much.
Reviewed in Nevada on December 16, 2025
Look around for cheaper rates. Allstate will start low, then increase the rates.
Albert
Verified Review
Excellent
Reviewed in Nevada on December 6, 2025
Okay, the rates were the best.
Robert
Verified Review
Too High
Reviewed in Nevada on November 18, 2025
Policies are too high.
Craig
Verified Review
Allstate continues to be the high-priced poor performer of car insurance carriers
Reviewed in Nevada on November 10, 2025
Allstate is an insurance firm that's simultaneously quite costly with mediocre coverage.
Harvey
Verified Review
Lack of Understanding of the Policy and Communication Issues
Reviewed in Nevada on November 2, 2025
It was great in Oregon but only mediocre in Nevada!
Don
Verified Review
Watch what you're buying...
Reviewed in Nevada on October 29, 2025
Well, it was okay in the beginning. It was the best price I could find, but surprise, there was a rate hike and I was not notified of the hike. I'll be looking for another insurance company soon.
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 | 4.0 |
|---|---|
| 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. | $196/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. | $238/mo |
4.0
Best choice in NevadaBased on 16,656 verified driver 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 in Nevada 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 in Nevada for
Teen drivers
Cheap rates
Accident forgiveness
Showing 32 reviews from Nevada drivers - See all 7,513 GEICO reviews
Sam
Verified Review
Greed
Reviewed in Nevada on March 17, 2026
This company doesn't give me any options. They increase their policies and prices without any explanation to customers.
Victoria
Verified Review
VB Car Insurance
Reviewed in Nevada on February 11, 2026
They help when you call.
Nancy
Verified Review
Their service is not the greatest and prices get higher every 6 months
Reviewed in Nevada on February 7, 2026
Too pricey.
Tj
Verified Review
Great Insurance Company
Reviewed in Nevada on February 5, 2026
They are a very good company, but they are high-priced. However, all insurance companies are very high-priced for Las Vegas, Nevada.
Deborah
Verified Review
DLJ
Reviewed in Nevada on February 4, 2026
They are too expensive and keep going up in cost. They should provide discounts for long-term customers. This is the reason why we are searching for another car insurance provider.
James
Verified Review
God Help Us All
Reviewed in Nevada on January 28, 2026
No one has beaten Geico in cost since we have been searching for lower auto insurance. We are seniors and retired, and we do not drive a lot, yet you categorize us as if we do. It's not the same as years ago. We were noticed, but in this day and time, no more. Everything is in the same package with everybody else. Everything is about money, not for the people anymore. But I get it. If you drive, you will pay. Our prices go up, but not our income.
Loren
Verified Review
Their customer service was okay, but the rates were too high, so I switched to another company.
Reviewed in Nevada on January 27, 2026
Geico has high rates, and because of that, I shopped for lower rates.
Teresa
Verified Review
Don't use Geico
Reviewed in Nevada on January 14, 2026
Don't use Geico. They assured me that my rate would not change when my car was vandalized, but my rate went up $100. They assured me they would not pay the fraud claim from another driver. Instead, they not only paid the claim, labeled the incident my fault, and again raised my rates. The only thing keeping me with them is that I can't find another agency that will cover my Hyundai with the same coverage for less than what I'm paying now.
Molly
Verified Review
All Auto Insurance Companies Discriminate Because You're Over 65
Reviewed in Nevada on January 12, 2026
Too expensive, but it doesn't matter. Geico is the cheapest.
…
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 | 4.0 |
|---|---|
| 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. | $84/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. | $112/mo |
4.0
Best choice in NevadaBased on 16,442 verified driver 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 in Nevada 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 in Nevada for
Customer service
Competitive rates
Discounts for safe drivers
Showing 42 reviews from Nevada drivers - See all 7,288 State Farm reviews
Mark
Verified Review
Moderately happy customer.
Reviewed in Nevada on March 25, 2026
My questions were answered. The rate is high. When I had a claim regarding the "at fault" other person, the agent said, "They're a good company. Do you want to deal with them yourself?" I asked, "Why am I paying you?" Maybe it was just that particular agent, but it seemed a bit lazy. I was able to have payments drafted from my bank, which always kept me current. I liked that.
Michael
Verified Review
Excellent
Reviewed in Nevada on March 18, 2026
My premium has gone down since I first joined State Farm.
Alaine
Verified Review
Good
Reviewed in Nevada on March 2, 2026
Too expensive, rates increase every 6 months.
Paul
Verified Review
Excellent service, so far.
Reviewed in Nevada on March 1, 2026
Best I could find.
Emanuel
Verified Review
Comparable
Reviewed in Nevada on February 26, 2026
Good compared to other companies.
Martin
Verified Review
Outstanding Customer Service
Reviewed in Nevada on February 23, 2026
Excellent customer service by Alexandra Lee.
Effren
Verified Review
Don't Trust Your Local State Farm Agency
Reviewed in Nevada on February 22, 2026
I was with them for over 2 years, thinking I was in good hands, but found out my policy was not very good. My coverage was not adequate for the money I was paying them! I moved out and got another insurance company as well as homeowners insurance.
Olive
Verified Review
Shopping for Coverage for Less Money
Reviewed in Nevada on February 1, 2026
I have been with State Farm for decades and have had excellent service in three states. At this time, I feel that I’m paying too much and would like the same support for less money. I drive less than 200 miles a year with no tickets or accidents. I’m 90 years old and need to pay less.
Ricardo
Verified Review
Very good, excellent.
Reviewed in Nevada on January 30, 2026
Very decent prices.
…
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 |
| 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. | $200/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. | $208/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 in Nevada 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 in Nevada for
Competitive rates
Easy buying process
Telematics program
Showing 42 reviews from Nevada drivers - See all 8,238 Progressive reviews
Paula
Verified Review
Too Expensive
Reviewed in Nevada on March 19, 2026
$90 more than USAA.
Theodore
Verified Review
Not worth it
Reviewed in Nevada on March 18, 2026
I have Progressive, and they tripled my new quote in a different state.
Vicki
Verified Review
Best Auto Insurance
Reviewed in Nevada on March 16, 2026
Progressive Insurance has been a positive experience in every aspect. Good rates, never have to wait long on the phone. I did get quotes at other places, but Progressive held true with the best prices.
Antonio
Verified Review
Progressive, a Plus
Reviewed in Nevada on March 7, 2026
Very good, easily better than GEICO when it comes to claims. Their agents are well-schooled and provide relevant information on a timely basis. They are not the absolute cheapest but provide value for the money spent.
Lisa
Verified Review
Frustrated with Pricing Changes
Reviewed in Nevada on March 4, 2026
The pricing was not accurate. My quote was $147, then it jumped to $170, and then to $190 in a matter of one week! I'm not pleased with Progressive at all. I would not recommend them to anyone.
Thomas
Verified Review
They continue to raise the price every 6 months and say it's because I live in Fallon, Nevada. I have a very good driving record. I started out paying $97.00 a month, and now, because of where I still live, it's $197.00 a month. I still have a perfect record, and I'm 65.
Reviewed in Nevada on March 3, 2026
They continue to raise the price every 6 months and say it's because I live in Fallon, Nevada. I have a very good driving record. I started out paying $97.00 a month, and now, because of where I still live, it's $197.00 a month. I still have a perfect record, and I'm 65.
Jim
Verified Review
No comment
Reviewed in Nevada on March 2, 2026
Watch out for rate increases with no explanation of why they're raising your rates when you have no accidents and no moving violations.
Aleesha
Verified Review
Paying Insurance Agents Commissions
Reviewed in Nevada on February 21, 2026
Too expensive and unprofessional. I have no DUIs, accidents, and I'm a senior citizen with no tickets or warrants, yet I pay $195 and I don't even have full coverage. What is going on?
Rosemarie
Verified Review
Rate Increases Without Cause
Reviewed in Nevada on February 15, 2026
They raise my rate every month, it seems. There is no reason to do this—no accidents, tickets, nothing but my zipcode.
…
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 $235 per month, while the national average is much lower, at $173 per month. Liability-only coverage in Nevada costs $156 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 $196 per month. A full-coverage policy in Nevada costs $235 per month, and a liability-only policy costs an average of $156 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 DeMarcoFreelance Insurance Writer
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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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Becky HelzerEditor
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.
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.