Cheapest Car Insurance Quotes in Nevada

Cheapest car insurance quotes in Nevada

For people with a clean driving record and good to excellent credit, the cheapest car insurance companies in Nevada are Country Financial, State Farm, and Just Pay-Per-Mile.

The below rates in Nevada are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Country Financial	$52	$82
State Farm	$76	$118
Just Pay-Per-Mile	$97	$152
USAA	$105	$165
Sun Coast	$138	$255
Mercury	$144	$219
Safeco	$155	$180
GEICO	$157	$221
Mendota	$161	$283
Allstate	$162	$280
Direct Auto	$166	$307
Root	$167	$249
Progressive	$177	$252
Trexis	$177	$351
Just Unlimited	$186	$308
Liberty Mutual	$207	$263
Farmers	$211	$331
Bristol West	$226	$380
Travelers	$252	$397
American Family	$258	$406

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.

Best-rated insurance companies in Nevada

The best car insurance companies in Nevada have strong customer satisfaction, financial strength, and discount offerings. Here you can find Insurify’s list of the top insurers in Nevada as well as the customers for which they stand out.

Best for full coverage: State Farm

full coverage

Compare Quotes

User Reviews	4.2 21,479 reviews
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.	$76/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

4.2

Best choice in NevadaBased on 21,479 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.2	3.2
Customer service	4.4	3.6
Discounts	4.0	2.9
Policy transparency	4.0	3.1
Value	3.9	2.9

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

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Best in Nevada for

Customer service

Competitive rates

Discounts for safe drivers

Showing 42 reviews from Nevada driversSee all 8,259 State Farm reviews

Ann

Verified Review

Again, I have been satisfied until I saw the huge increase in payments

Reviewed in Nevada on October 27, 2026

While handling a claim, they were very good. However, my cost has gone up very high, seemingly to recoup what you paid out, which is making it difficult for me to pay my mortgage with the increase.

Susan Camille

Verified Review

The front desk is very friendly and very knowledgeable

Reviewed in Nevada on October 6, 2026

They’re very friendly and very knowledgeable.

Jeffrey

Verified Review

State Farm’s High Rates

Reviewed in Nevada on September 17, 2026

Rates are too high for the number of miles I drive.

JD Power

JD 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

State Farm offers some of the cheapest full-coverage rates in Nevada. Couple those rates with State Farm’s strong financial strength and customer satisfaction scores, and State Farm could be an appealing choice for Nevada drivers seeking full coverage.

Pros

• Below-average rates in Nevada

• A++ (Superior) AM Best financial strength rating

• Large network of local insurance agents

Cons

• Doesn’t offer accident forgiveness

• No gap coverage

• Lower rates may not be available for certain high-risk drivers

Best for minimum coverage: Country Financial

minimum coverage

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User Reviews	4.1 66 reviews
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.	$82/mo

Details

4.1

Best choice in NevadaBased on 66 verified driver reviews and ratings

	Country Financial's score	Industry average
Coverage options	4.2	3.2
Customer service	4.0	3.6
Discounts	3.8	2.9
Policy transparency	4.0	3.1
Value	3.5	2.9

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

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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

Reviewed in Wisconsin on September 21, 2026

Insurance is good; I'm just trying to save some money.

Beverly

Verified Review

It's Bad Business

Reviewed in Illinois on August 12, 2026

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

Reviewed in Washington on July 21, 2026

It’s expensive. While the office staff is great, the company overall seems mostly interested in the money.

JD Power

JD 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 is one of the cheapest insurers for liability coverage in Nevada. Drivers may be able to lower their premium even more through savings programs like DriverIQ.

Pros

• Cheap state-minimum coverage in Nevada

• A+ (Superior) AM Best financial strength rating

• Offers savings program for safe drivers called DriverIQ

Cons

• Can’t finalize insurance purchase online

• Doesn’t offer gap insurance

• Accident forgiveness unavailable

Best for savings: GEICO

savings

Compare Quotes

User Reviews	4.1 21,126 reviews
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.	$157/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.	$221/mo

Details

4.1

Best choice in NevadaBased on 21,126 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.1	3.2
Customer service	4.2	3.6
Discounts	4.0	2.9
Policy transparency	4.1	3.1
Value	4.0	2.9

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 33 reviews from Nevada driversSee all 8,316 GEICO reviews

David

Verified Purchase

Run, they don't care at all about you or the value of your car, especially if it's a rare factory car

Reviewed in Nevada on October 13, 2026

Just find another insurance company. I was hit and sideswiped by a blue Corvette while doing the speed limit and staying in my lane, and they said it was my fault. The other driver never stopped. I have no idea how I’m at fault after being hit and then the other driver left illegally. They also refused to cover over $18k of Roush Performance parts installed at the dealership when the car was purchased new.

David

Verified Review

Not Good

Reviewed in Nevada on October 1, 2026

Prices keep going up.

Kelly

Verified Purchase

Insurance stuff

Reviewed in Nevada on August 31, 2026

I’m happy with the people.

JD Power

JD 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 more than a dozen discounts to help Nevada drivers save on their auto policies. The company is also often one of the cheapest car insurance companies nationwide.

Pros

• Competitive rates

• Offers more than a dozen discounts

• A++ (Superior) AM Best financial strength rating

Cons

• Doesn’t offer gap insurance

• Below-average JD Power customer satisfaction rating in the Southwest region

• Doesn’t have as many local agents as some competitors

How we chose the best companies

We evaluated insurers operating in Nevada using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Nevada drivers, including tornado and hurricane risks, urban congestion, vehicle theft trends, and the availability of local agents throughout the state.

How much is car insurance in Nevada?

Nevada’s average cost of liability-only car insurance is $1,963 per year. Full-coverage auto policies in Nevada cost an average of $3,119 annually. Nevada car insurance rates are higher than the national annual averages of $1,183 for liability coverage and $2,241 for full coverage.

The state’s elevated insurance costs might be due to its relatively high number of traffic accidents compared to other states. The number of fatal crashes in Nevada was 20% higher than the national average in 2025, according to the National Highway Traffic Safety Administration (NHTSA).^[1]

Find Cheap Car Insurance in Nevada

Liability policies average $164/mo.

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Average car insurance quotes in Nevada cities

Car insurance quotes in Nevada can vary dramatically between cities. The most expensive cities in Nevada for car insurance are Las Vegas and Henderson.

The table below shows average monthly rates across several Nevada cities.

The below rates in Nevada are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Carson City	$96	$148
Reno	$108	$182
Sparks	$108	$184
Pahrump	$138	$194
Henderson	$162	$252
Las Vegas	$204	$298
North Las Vegas	$210	$300

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.

Here you can see the five cities in Nevada with the highest average car insurance rates.

The below rates in Nevada are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

City	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
Sparks	$108	$184
Pahrump	$138	$194
Henderson	$162	$252
Las Vegas	$204	$298
North Las Vegas	$210	$300

On-the-spot guidance from licensed insurance experts

Austin MoyersLicensed P&C Insurance Agent and Sales Manager

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Qualifications:

• Licensed property and casualty insurance agent

• 13+ years of insurance experience

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Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.

Austin Moyers' bio

Anuj DesaiLicensed Property & Casualty Insurance Agent

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Qualifications:

• Licensed property and casualty insurance agent

• 25+ years of insurance experience

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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.

Anuj Desai's bio

Britney BalkLicensed P&C Agent and Customer Service Supervisor

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Qualifications:

• Licensed property and casualty insurance agent

• 14+ years insurance experience

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Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.

Britney Balk's bio

Why you should compare car insurance quotes in Nevada

Car insurance quotes in Nevada can vary significantly depending on your location, vehicle type, insurance company, and your overall driving history. That’s why it’s important to request quotes from multiple companies to ensure you’re getting the best deal.

As you begin searching for more affordable car insurance, keep the following tips in mind when comparing auto quotes in Nevada:

• Have your mileage numbers handy. Most Nevada insurers will ask you for an annual mileage estimate, which will affect the quote you receive.

• Include all the drivers. Be sure to list the drivers and household members you want on your auto policy to get the most accurate quote possible.

• Request the same coverage and deductibles. Keep your coverage limits and deductibles the same across quotes to ensure you’re making apples-to-apples comparisons.

Nevada car insurance requirements

Nevada car insurance requirements include:^[2]

• Bodily injury liability coverage per person: $25,000

• Bodily injury liability coverage per accident: $50,000

• Property damage liability coverage per accident: $20,000

Nevada has no grace period when it comes to car insurance. That means a lapse in coverage for even one day can result in registration suspension and fines.

Car insurance requirements in Nevada are similar to those in many other states, but Nevada doesn’t require personal injury protection (PIP) or uninsured motorist coverage.

Agent Tip: Does liability-only coverage offer enough protection?

“Liability-only insurance in Nevada is enough to drive legally. But it generally doesn’t offer enough coverage to protect you from the perils you could face. If you have a newer vehicle or you can’t afford to replace your current one, you should consider full-coverage car insurance.”

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Brett ClendenenLicensed P&C Insurance Agent and Sales Manager

Brett Clendenen's bio

How to find the cheapest Nevada car insurance

Requesting multiple quotes and qualifying for discounts are some ways to find cheap car insurance in Nevada. But you can reduce your premium even more by applying the following strategies:

• Take a defensive driving course. Drivers 55 and older may be eligible for a three-year premium reduction by taking an approved traffic safety course through the Nevada Department of Motor Vehicles (DMV).^[3]

• Improve your credit. Since Nevada auto insurers can consider your credit-based insurance score, taking steps to improve your credit may help you secure a lower rate.

• Shop around for cheap rates. Car insurance costs can vary by insurer, which is why it’s important to request quotes from multiple companies. Some of the cheapest Nevada auto insurers are Country Financial and State Farm.

• Buy state-minimum liability coverage. Purchasing the minimum amount of liability insurance Nevada law requires can help you save on your monthly premiums.

• See if you qualify for discounts. Nevada car insurance companies offer various car insurance discounts that can help you save, such as bundling discounts, safe driving discounts, and good student discounts.

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Explore additional resources about Nevada car insurance below.

How car insurance costs have changed in Nevada

Car insurance costs in Nevada are projected to finish 2026 5.7% higher than they were at the end of 2025, bringing average annual costs to $3,090, according to an Insurify report.

The Nevada Division of Insurance states that increased traffic combined with bad driving habits has led to a higher frequency and severity of accidents in the state.^[4] Nevada reported 20% more fatal crashes than the national average in 2025, according to the NHTSA.

Nevada car insurance FAQs