Cheap Car Insurance for Low-Income Drivers in Nevada

What is low-income car insurance in Nevada?

Low-income car insurance in Nevada isn’t a type of auto insurance policy, and Nevada doesn’t offer a low-income car insurance program. Low-income drivers can save by seeking discounts, choosing less coverage, and shopping around for more affordable coverage.

All Nevada drivers need to carry a minimum amount of car insurance coverage. This policy includes the liability insurance Nevada requires and helps pay for injuries or property damage you cause to others, up to your policy limits. But for many drivers, this cheaper option doesn’t provide enough financial protection.

Drivers who need a more robust financial safety net might prefer a full-coverage policy, which includes comprehensive and collision coverage.

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Cheapest car insurance in Nevada

Country Financial offers Nevada drivers the cheapest rates for liability car insurance, averaging $52 per month. Nevada drivers pay an average of $164 per month for liability-only car insurance. Compared to the national average of $99 per month, Nevada drivers pay significantly more for coverage.

Nevada is the second-most urban state, with 94.1% of its population living in urban areas, according to U.S. Census Bureau data. Additionally, a higher incidence of vehicle theft, more frequent accidents, and more severe accident injuries contribute to Nevada’s higher car insurance costs.^[1]

Drivers in Las Vegas, the state’s most populous city, face much higher rates. On average, Las Vegas drivers pay $204 per month for liability-only coverage. That’s more than double what residents of the much smaller Carson City pay.

The table below highlights the cheapest insurance companies in Nevada for liability coverage.

The below rates in Nevada are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

Insurance Company	Average Quote: Liability Only
Country Financial	$52
State Farm	$75
Just Pay-Per-Mile	$98
USAA	$105
Sun Coast	$137
Mercury	$143
Safeco	$155
GEICO	$159
Mendota	$161
Allstate	$162
Direct Auto	$167
Root	$168
Trexis	$177
Progressive	$179
Just Unlimited	$187
Liberty Mutual	$208
Farmers	$210
Bristol West	$226
Travelers	$251
American Family	$258

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.

Cheapest car insurance for drivers with poor credit in Nevada

Nevada, like most states, allows insurers to consider your credit history when calculating a credit-based insurance score, which can affect your auto insurance premiums. Not every state allows insurers to use credit this way.

Generally, drivers with poor credit pay more for car insurance than drivers with good credit. That’s because insurers consider credit-based insurance scores as predictors of insurance risk, meaning drivers with lower credit may be more likely to file a claim.

The table below shows liability quotes for drivers with poor credit and with good credit.

The below rates in Nevada are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

Insurance Company	Average Liability Quote: Poor Credit	Average Liability Quote: Good Credit
Country Financial	$61	$50
State Farm	$106	$73
Just Pay-Per-Mile	$113	$95
USAA	$125	$102
Sun Coast	$157	$132
Mercury	$167	$140
GEICO	$179	$156
Safeco	$184	$149
Mendota	$185	$156
Allstate	$186	$157
Direct Auto	$198	$160
Root	$199	$161
Trexis	$203	$171
Progressive	$206	$173
Just Unlimited	$215	$181
Farmers	$236	$206
Liberty Mutual	$238	$202
Bristol West	$268	$219
Travelers	$285	$241
American Family	$300	$250

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.

Car insurance options for low-income drivers in Nevada

Nevada also has an assigned-risk option through the Western Association of Automobile Insurance Plans (WAAIP). The program can provide required liability insurance to eligible drivers who can’t get coverage through the standard insurance market.^[2] Nevada doesn’t offer a separate state-sponsored car insurance program for low-income drivers.

As you look for cheap rates, start by shopping around. Comparing rates across multiple car insurance companies could help you find affordable rates.

Drivers who have trouble finding coverage in the standard market can also consider insurers that serve high-risk drivers. Insurers such as Dairyland, The General, and Bristol West offer coverage for drivers with incidents such as accidents, traffic violations, coverage lapses, or SR-22 requirements.

Other ways to keep your costs low include keeping a clean driving record, raising your deductible, and seeking out car insurance discounts. Low-mileage drivers can consider pay-per-mile coverage from Just Insure. Root rewards good drivers with lower car insurance costs, too.

Minimum car insurance requirements in Nevada

Nevada drivers need to carry a minimum amount of car insurance. The Nevada Division of Insurance requires:

• Bodily injury liability coverage: You’ll need $25,000 in bodily injury liability coverage per person and $50,000 per accident.

• Property damage liability coverage: Nevada drivers need at least $20,000 in coverage per accident.

With a minimum-coverage policy, you can legally drive on public roads in the Silver State. While it’s typically cheaper than full coverage, it may leave you financially vulnerable after a crash.

For example, let’s say you cause an accident on Las Vegas Boulevard. Your property damage liability coverage can only pay to repair or replace the other driver’s vehicle, up to your $20,000 coverage limit. Repair costs can exceed that amount.

Additionally, minimum liability insurance doesn’t include collision coverage, so you’ll be responsible for repairing or replacing your own vehicle out of pocket.

The table below highlights the minimum amount of car insurance you’ll need in Nevada.

Coverage	Minimum Requirement	What It Covers
Bodily injury liability	$25,000 per person/$50,000 per accident	Medical bills for other parties you injure in an accident
Property damage liability	$20,000 per accident	Repair or replacement costs for another person’s vehicle or other property you damage

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What affects car insurance rates in Nevada?

Nevada drivers face high car insurance costs. As the nation’s second-most urban state, most residents live in metro areas. Densely populated areas can have more traffic congestion and accident exposure.

An estimated 11.1% of Nevada drivers were uninsured in 2023, according to the Insurance Research Council. That’s more than 1 in 10 drivers. Though Nevada’s uninsured driver rate is lower than in many other states, uninsured drivers can increase costs for insured drivers through uninsured/underinsured motorist coverage.^[3]

Nevada sees higher vehicle theft rates and increased thefts involving Kia and Hyundai models. The Silver State also experiences a higher frequency of auto accidents and greater injury severity from crashes. More frequent and costly claims can contribute to higher insurance costs for Nevada drivers.

Low-income car insurance in Nevada FAQs