Best Car Insurance in Nevada (2026)

State Farm, USAA, and COUNTRY Financial are among the best auto insurers for Nevada drivers.

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4.7 / 518K reviews
Sarah Sharkey
Writer: Sarah SharkeyInsurance Writer

Qualifications:
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today


A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

MacKenzie Korris
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969


MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Mark Friedlander
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute

Qualifications:
  • 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.

Updated

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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
Details
4.1
Best choice in NevadaBased on 21,518 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.43.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Nevada for
Customer service
Competitive rates
Discounts for safe drivers
Showing 45 reviews from Nevada driversSee all 8,196 State Farm reviews
Jeffrey
Verified Review
State Farm’s High Rates
Rates are too high for the number of miles I drive.
Tee
Verified Review
Overpriced and Keeps Going Up
Way overpriced—twice as much as I paid in CA, and it just went up another $75. I’ve been with you for over 15 years, and I’m shopping around now.
Steven
Verified Review
Unacceptable
Slow roadside response. In fact, the company they sent canceled twice and left me stranded.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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

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.

Pros
  • Highly rated mobile app

  • Above-average customer satisfaction in Nevada, per J.D. Power

  • A+ rating from AM Best

Cons
  • 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
Details
4.0
Best choice in NevadaBased on 71 verified driver reviews and ratings
Country Financial's score
Industry average
Coverage options3.93.2
Customer service3.53.6
Discounts3.42.9
Policy transparency3.83.1
Value3.12.9
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

Based on analysis of verified reviews collected by Insurify

Best in Nevada for
Cheap rates
Good claims process
High customer satisfaction
Showing recent national reviewsSee all 39 Country Financial reviews
Charles
Verified Review
Excellent
Insurance is good; I'm just trying to save some money.
Beverly
Verified Review
It's Bad Business
Unless I call them to request a callback, I never hear from them. They only find discounts for me when I tell them I'm switching companies. My premium goes up every six months with no explanation.
Larry
Verified Review
Good Customer Service, Poor Customer Care From the Company
It’s expensive. While the office staff is great, the company overall seems mostly interested in the money.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
A.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

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.

Pros
  • A+ (Superior) rating from AM Best

  • Local agents available in Nevada

  • Consistently low rates for most drivers

Cons
  • 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
Details
4.9
Best choice in NevadaBased on 4,367 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.93.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
How drivers feel about USAA

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.

Based on analysis of verified reviews collected by Insurify

Best in Nevada for
Members of the military community
Outstanding customer service
Competitive rates
Showing 8 reviews from Nevada driversSee all 1,710 USAA reviews
Bonnie
Verified Review
Raised Rate — Boo
My rates went up even though everything stayed the same. Not happy.
Andrew
Verified Review
USAA: Just Too Expensive
USAA Insurance has become unaffordable for the average person. My car insurance and homeowners insurance got so expensive that I moved on. Every year, my house payment would go up, and it felt like it was due to USAA raising rates, even though I hadn’t had any claims in seven years. They also pay their CEO a high annual salary, so it’s easy to see why their rates keep going up.
Clayton
Verified Review
Smiley
Too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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

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.

Pros
  • Above-average J.D. Power customer satisfaction rating in Nevada

  • A++ (Superior) rating from AM Best

  • Rideshare insurance available

Cons
  • 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
Details
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.

Based on analysis of verified reviews collected by Insurify

Best in Nevada for
Competitive rates
Easy buying process
Telematics program
Showing 45 reviews from Nevada driversSee all 9,159 Progressive reviews
Robert
Verified Review
Check All Insurance Companies for the Best Rate
They need to give seniors with great driving records better discounts!!
Bill
Verified Review
Progressive Insurance Is Unfair
They did an extreme upcharge once all of my pertinent information was processed. I expected an increase due to my current FICO score, but not triple.
James
Verified Review
Too Expensive
For a 56-year-old man, I pay way too much for insurance.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.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’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.

Pros
  • Extensive coverage options

  • Highly rated mobile app

  • Diminishing deductible coverage available

Cons
  • 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
Details
4.0
Best choice in NevadaBased on 21,026 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.92.9
Policy transparency4.03.1
Value3.92.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Nevada for
Teen drivers
Cheap rates
Accident forgiveness
Showing 35 reviews from Nevada driversSee all 8,249 GEICO reviews
David
Verified Review
Not Good
Prices keep going up.
Kelly
Verified Purchase
Insurance stuff
I’m happy with the people.
Kathryn
Verified Review
Not bad
Good, but it could be cheaper.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.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

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.

Pros
  • Fewer-than-expected complaints, per the National Association of Insurance Commissioners

  • Highly rated mobile app

  • Bundling discount available for motorcycle, ATV, and RV insurance

Cons
  • 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 Nevadaexpand/collapse

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

Excellent
4.7 out of 5 based on 17,576 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

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:

  • illustration card https://a.storyblok.com/f/162273/150x150/6a92eb6099/insurify-icons-auto-green-96x96_005-insurance.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/bc1c474c28/weather-96x96-yellow_045-thunder.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/9c7560177c/insurify-icons-auto-orange-96x96_037-theft.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/96ac3e2e7e/protection-and-security-96x96-blue_041-credit-card.svg

    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

  1. Nevada Division of Insurance. "2025 Insurance Market Report."
  2. Visual Capitalist. "Mapping U.S. Urbanization, by State."
  3. Alliance for Automotive Innovation. "Economic Insights: Nevada."
  4. University of Nevada, Reno Extension. "Climate Change Impacts in Nevada."
  5. National Insurance Crime Bureau. "Nationwide Decline in Vehicle Thefts Continues Through First Half of 2025."
Sarah Sharkey
Writer: Sarah SharkeyInsurance Writer

Qualifications:
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today


A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

MacKenzie Korris
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969


MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Mark Friedlander
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute

Qualifications:
  • 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.