Updated
Best car insurance companies in Nevada
Insurify analyzed 120+ insurers to determine the best car insurance companies in Nevada. See the best companies in the Silver State below.
State Farm: Best overall
| 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. | $75/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. | $118/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
In terms of cost, State Farm offers relatively affordable rates. It’s among the cheapest insurers in Nevada. It stands out as the best overall for its high customer satisfaction and its discount opportunities that help you lower your costs, including a good driver discount and loyalty discount. You may also save by bundling if you purchase other types of coverage, like home insurance or renters insurance, through State Farm.
Highly rated mobile app
Above-average customer satisfaction in Nevada, per J.D. Power
A+ rating from AM Best
Poor Trustpilot rating
No gap insurance
Doesn’t offer accident forgiveness
COUNTRY Financial: Best for cheap rates
| User Reviews | 4.0 |
|---|---|
| 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. | $52/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. | $81/mo |
Country Financial's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.1 | 2.9 |
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
COUNTRY Financial offers drivers in Nevada some of the cheapest rates, according to Insurify data. These relatively low rates make it worth considering. The insurer also offers a range of discounts, including up to 25% off through the DriverIQ telematics program and discounts for teachers and first responders.
A+ (Superior) rating from AM Best
Local agents available in Nevada
Consistently low rates for most drivers
Not rated for customer satisfaction by J.D. Power
No online quotes available
No rideshare insurance
USAA: Best for veterans
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $105/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. | $165/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
For the almost 200,000 veterans who call Nevada home, USAA is a good insurer to consider. For starters, it’s on the cheaper side for coverage in the state. The company also offers a slew of discounts, including for bundling coverage and storage. But it’s available only to active-duty military, veterans, military spouses, and others with qualifying connections to the military.
Above-average J.D. Power customer satisfaction rating in Nevada
A++ (Superior) rating from AM Best
Rideshare insurance available
Poor Trustpilot ratings
Limited membership
No 24/7 customer phone support
Progressive: Best for specialized coverage
| 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. | $179/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. | $239/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
If you’re looking to customize your car insurance coverage, the numerous add-on options available through Progressive could make it a good fit. For example, you can add rideshare coverage if you work for Lyft or Uber. And if you add collision coverage, you’ll automatically get $1,000 toward your pet’s vet bills if they’re injured while riding in your car. Although Progressive drivers typically pay more than the Nevada average, the specialized coverage and perks could be worth it.
Extensive coverage options
Highly rated mobile app
Diminishing deductible coverage available
Below-average J.D. Power customer satisfaction rating in the Southwest
May not be the the cheapest insurer in Nevada
Poor Trustpilot rating
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. | $159/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. | $223/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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.
GEICO offers Nevada drivers a big selection of discounts. With more than 15 discounts, you’ll likely find at least a few that you qualify for. For example, you might qualify for a safe driver discount or a good student discount. Although GEICO’s car insurance rates aren’t the cheapest in Nevada, its discounts could help you get quality coverage at a reasonable price.
Fewer-than-expected complaints, per the National Association of Insurance Commissioners
Highly rated mobile app
Bundling discount available for motorcycle, ATV, and RV insurance
Below-average J.D. Power customer satisfaction rating in the Southwest
Fewer optional coverages than some competitors
May not be the cheapest insurer in Nevada
How we chose the best car insurance companies in Nevada
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.
Average cost of car insurance in Nevada
Nevada is the eighth most expensive state for car insurance, according to Insurify’s American Driver Report. Its average car insurance costs are generally higher than U.S. averages. Nevada drivers pay an average of $260 per month for full-coverage car insurance and $164 per month for minimum coverage.
Multiple factors contribute to Nevada’s high car insurance costs, including higher vehicle theft rates, more frequent accidents, and higher injury severity from accidents.[1]
Nevada is also the second most urbanized state after California, meaning most of its residents live in metro areas, despite the state’s large land area.[2] Population density can cause traffic congestion that leads to accidents.
Insurify data scientists predict Nevada car insurance rates could rise 6% by the end of 2026.
Find Affordable Car Insurance in Nevada
Rates start as low as $52/mo. for liability-only policies
How to get the best car insurance in Nevada
The best car insurance for Nevada drivers combines affordability and value by protecting you, your vehicle, and your passengers from state-specific risks. As you navigate getting car insurance in Nevada, the following tips may help:
Consider higher liability limits
Nevada requires all drivers to buy $25,000 in bodily injury liability per person, $50,000 in bodily injury per accident, and $20,000 in property damage liability. But 25/50/20 liability insurance may not be enough to financially protect you if you cause an accident. In 2024, Nevada drivers purchased 144,700 vehicles, 57% of which were SUVs that cost more to repair or replace.[3] While higher limits can increase your premium, the greater financial protection can be well worth it.
Guard against weather risks
Nevada communities can experience flash flooding, extreme heat, and wildfires, all of which pose threats to vehicles and people.[4] If you have a financed, leased, or high-value vehicle or just couldn’t afford to repair or replace yours on your own, consider adding comprehensive coverage to your policy. It’s also a good idea to consider Nevada gap insurance if you finance or lease your car.
Protect against theft
Nevada has the third-highest vehicle theft rate in the country, according to the National Insurance Crime Bureau.[5] Clark County has some of the highest car theft rates in the nation. If you can’t afford to replace a stolen vehicle on your own, opting for full coverage may be the right choice.
Compare multiple quotes
Once you know what type of coverage you want, make sure to compare quotes across multiple insurance companies. Some companies that usually offer cheap car insurance in Nevada include Country Financial, State Farm, and Just Pay-Per-Mile.
Drive safely
Of all car insurance rating factors, your driving record has the greatest effect on premiums. Across the country, safe drivers generally pay less, and the difference is significant in Nevada. Drivers with clean records pay an average of $164 per month for minimum coverage in Nevada, while drivers with incidents on their records, like a DUI or speeding ticket, pay an average of $190 monthly, according to Insurify data.
Improve your credit
The average credit score in Nevada was 699 in 2025, according to Experian. That’s lower than the national average of 713. Insurers use credit information to help assess claims risk, and drivers with higher scores tend to see lower car insurance rates.
Best car insurance in Nevada FAQs
Nevada car insurance costs are high, so it makes sense to invest time in comparing quotes to find the best policy and savings. Here’s some additional information to help you find the best car insurance in Nevada for your needs.
Why is Nevada auto insurance so high?
Traffic congestion in highly urbanized areas, rising auto insurance fraud cases, weather risks like extreme heat and flash flooding, and high vehicle theft rates all contribute to Nevada’s high car insurance costs.
Which car insurance company is the cheapest in Nevada?
Country Financial offers the cheapest car insurance rates in Nevada, averaging $52 per month for minimum coverage.
How much is the average car insurance in Nevada?
Nevada drivers pay an overall average of $212 per month for car insurance. This breaks down to an average of $164 per month for liability-only coverage and $260 for full-coverage policies, which include comprehensive and collision coverage.
What influences car insurance rates in Nevada?
Higher vehicle values, higher repair costs, rising vehicle thefts, and traffic congestion all play into the relatively high cost of car insurance in Nevada.
Do you need insurance to register a car in Nevada?
Yes, you’ll need to buy car insurance in Nevada to register a vehicle in the state. The Nevada Department of Motor Vehicles says there’s no grace period for car insurance in the state.
Sources
- Nevada Division of Insurance. "2025 Insurance Market Report."
- Visual Capitalist. "Mapping U.S. Urbanization, by State."
- Alliance for Automotive Innovation. "Economic Insights: Nevada."
- University of Nevada, Reno Extension. "Climate Change Impacts in Nevada."
- National Insurance Crime Bureau. "Nationwide Decline in Vehicle Thefts Continues Through First Half of 2025."
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