Cheap Full-Coverage Car Insurance in Nevada (2026)
Nevada drivers can find the cheapest full-coverage car insurance from Country Financial, with an average rate of $81 per month.
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Writer: Ben LuthiInsurance and Personal Finance Writer
Writer: Ben LuthiInsurance and Personal Finance Writer
Qualifications:
12+ years in personal finance and insurance writing
Former financial analyst
Ben Luthi has been making insurance and personal finance easy to understand for over a decade. Dedicated to helping readers make informed insurance decisions, Ben’s covered just about every personal finance topic under the sun.
His work has appeared in the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: 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.
Updated
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Quick Facts
Full-coverage car insurance in Nevada costs an average of $260 per month, more than a liability-only policy, according to Insurify data.
Country Financial has the cheapest full-coverage rates in the state, at $81 per month.
Nevada law doesn’t require full coverage, but lenders and leasing companies do for a financed vehicle.
Cheapest full-coverage car insurance in Nevada
The average cost of full-coverage car insurance in Nevada is $260 per month. Country Financial offers the cheapest rates in the state, at an average of $81 per month, according to Insurify data. But it’s still important to shop around and compare quotes from many insurers.
Below, take a look at the cheapest car insurance companies in Nevada for full-coverage insurance, according to Insurify data:
The below rates in Nevada are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Country Financial | $81 |
| State Farm | $118 |
| Just Pay-Per-Mile | $153 |
| USAA | $165 |
| Safeco | $181 |
| Mercury | $219 |
| GEICO | $223 |
| Progressive | $239 |
| Root | $250 |
| Sun Coast | $256 |
| Liberty Mutual | $264 |
| Mendota | $284 |
| Allstate | $286 |
| Direct Auto | $309 |
| Just Unlimited | $309 |
| Farmers | $331 |
| Trexis | $351 |
| Bristol West | $380 |
| Travelers | $396 |
| American Family | $405 |
Disclaimer: Table data sourced from real-time Nevada car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Nevada may vary based on the policy buyer's unique driver profile.
How much is full-coverage insurance in Nevada?
Nevada drivers pay an average of $260 per month for full-coverage car insurance, which is higher than the national average of $187 per month, according to Insurify data.
But insurers set rates based on several factors, such as your ZIP code, driving history, the vehicle you drive, and your credit history. So the rate you qualify for may be higher or lower than the state average.
Find Cheap Car Insurance in Nevada
Full-coverage policies average $260/mo.
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How to find cheap full-coverage car insurance in Nevada
Whether your lender or leasing company requires full coverage or you simply want the additional protection, here are some steps you can take to save on your policy:
Compare car insurance quotes. Insurance rates can vary significantly from driver to driver, so it’s always a good idea to compare rates with at least three insurers to maximize your potential savings. You can compare quotes from Nevada car insurance companies with Insurify.
Bundle your home or renters insurance. If you get auto and homeowners or renters insurance from the same company, you can usually save money on both policies.
Ask about discounts. Most insurance companies offer discounts for things like insuring multiple vehicles, low mileage, defensive driving courses, good credit, and more.
Opt for a higher deductible. Your policy deductible is the amount you pay out of pocket in the event of a collision or comprehensive coverage claim. The higher the deductible, the lower your rate, though make sure you can afford it if you need to file a claim.
What full-coverage car insurance covers
Full coverage isn’t a specific type of insurance policy; rather, it’s a name for a standard auto insurance policy that includes state-required liability insurance plus protection for your vehicle. You can expect the following:
Bodily injury liability
Bodily injury liability coverage pays for other people’s injuries in at-fault accidents. It doesn’t include medical payments coverage for you.
Property damage liability
Property damage liability coverage pays for damage you cause to someone else’s property in an accident. It doesn’t include coverage for your vehicle.
Collision coverage
Collision coverage pays to repair or replace your car if you get in an accident, regardless of who’s at fault. It’ll also cover damage if you hit a stationary object, such as a guardrail or telephone pole.
Comprehensive coverage
Comprehensive coverage pays for non-collision damage, such as theft, fire, hail, flooding, vandalism, or even a cracked windshield.[1]
Car insurance requirements in Nevada
The Silver State requires every registered vehicle to maintain liability insurance. It also requires insurers to offer uninsured/underinsured motorist coverage, but you can choose not to buy it.
Below are Nevada’s minimum car insurance requirements:[2]
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$20,000 in property damage liability
While you don’t have to exceed these limits, insurance experts recommend purchasing more than the state requires. Depending on the severity of the accident, you may be left to foot the bill for any expenses that go beyond your policy’s limit.
Minimum vs. full-coverage car insurance in Nevada
Minimum coverage in Nevada includes only liability insurance, while full coverage also includes collision and comprehensive insurance. Below, consider how the two compare:
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average monthly cost in Nevada | $164 | $260 |
| Covers damage to your own car | No | Yes |
| Covers damage to other cars | Yes | Yes |
| Covers theft, hail, and vandalism | No | Yes |
| Satisfies lender and leasing company requirements | No | Yes |
Disclaimer: Table data is based on real-time Nevada quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
If you have an outstanding loan or lease on your vehicle, your lender will typically require you to maintain full coverage. If you own the car outright, consider full-coverage insurance if paying for a replacement out of pocket would strain your finances.
Meanwhile, liability-only coverage could make sense if you have an older vehicle that you own free and clear and can afford to replace.
Is full-coverage car insurance worth it in Nevada?
Let’s say you slide into a guardrail on Interstate 15 outside Las Vegas and cause $9,000 in damage to your car. With liability-only insurance, you’d have to pay the full $9,000 out of pocket because liability coverage only pays for damage to others.
But if you have a full-coverage policy with a $500 deductible, you’d pay $500, and your insurer would cover the rest.
Of course, the math works differently as your car gets older. If your vehicle is only worth $3,000, the sum of monthly premiums and a deductible could quickly exceed the cost of replacing it if you wreck it. Take time to consider how much car insurance you need and what you can reasonably afford based on your budget.
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Pros and cons of full-coverage car insurance in Nevada
Pros
Repairs or replaces your car after a collision, regardless of fault
Covers theft, fire, hail, and vandalism
Meets lender and leasing requirements on a financed vehicle
Cons
Costs more each month than a minimum-coverage policy
Requires you to pay a deductible before a claim pays out
May not be cost-effective for lower-value cars
Full-coverage car insurance in Nevada FAQs
Below are answers to common questions about buying full coverage in Nevada.
What is the cheapest full-coverage insurance in Nevada?
Country Financial has the cheapest full-coverage car insurance in Nevada, at an average of $81 per month, according to Insurify data. But your rate depends on your driving record, ZIP code, and credit history, among other factors.
What is considered full coverage for car insurance in Nevada?
Full coverage combines Nevada’s required 25/50/20 liability insurance with collision and comprehensive coverage. If you choose, you may also include uninsured/underinsured motorist coverage and other optional coverages.
How do you find the best rates for full-coverage auto insurance in Nevada?
Compare quotes from at least three insurance companies with identical coverage limits and deductibles for a true comparison. Then ask each insurer which long-term discounts you qualify for.
Sources
- Nevada Division of Insurance. "Understanding Auto Insurance."
- Nevada Division of Insurance. "Higher minimum vehicle liability requirements."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Ben LuthiInsurance and Personal Finance Writer
Writer: Ben LuthiInsurance and Personal Finance Writer
Qualifications:
12+ years in personal finance and insurance writing
Former financial analyst
Ben Luthi has been making insurance and personal finance easy to understand for over a decade. Dedicated to helping readers make informed insurance decisions, Ben’s covered just about every personal finance topic under the sun.
His work has appeared in the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Reviewer: 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.