120+ more*Quotes generated for Insurify users from Nevada within the last 10 days. Last updated on March 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Nevada within the last 10 days. Last updated on March 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Featured in
){kind=small}
){kind=small}
){kind=small}
)
)
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
)
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.
)
)
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.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Nevada drivers pay average monthly car insurance premiums of $156 for liability-only insurance and $235 for full coverage.
These rates are higher than the national average, possibly due to the local traffic congestion that leads to more frequent and severe accidents.[1]
Here, you can see the cheapest insurer in Nevada for several driver categories.
Driver Category | Cheapest Insurance Company in Nevada | Cheapest Monthly Quote in NV |
|---|---|---|
| Overall | COUNTRY Financial | $58 |
| State minimum coverage | COUNTRY Financial | $58 |
| Full coverage | COUNTRY Financial | $76 |
| Drivers with a clean record | COUNTRY Financial | $58 |
| After a speeding ticket | COUNTRY Financial | $79 |
| After an at-fault accident | COUNTRY Financial | $78 |
| After a DUI | COUNTRY Financial | $77 |
| Teen/new drivers | COUNTRY Financial | $90 |
| Seniors | COUNTRY Financial | $45 |
| Bad credit | COUNTRY Financial | $67 |
Required by Nevada law, liability coverage helps pay for the other party’s property damage and injuries after you cause an accident. It doesn’t cover your own vehicle and medical bills. COUNTRY Financial and State Farm provide some of the cheapest liability policies in Nevada.
Below is a look at the most affordable liability-only premiums in the Silver State.
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 |
|---|---|
| COUNTRY Financial | $58 |
| State Farm | $84 |
| Just Pay-Per-Mile | $103 |
| USAA | $118 |
| Sun Coast | $148 |
| Mercury | $149 |
| Allstate | $151 |
| Safeco | $176 |
| Mendota | $177 |
| Trexis | $187 |
| Root | $187 |
| Direct Auto | $191 |
| GEICO | $197 |
| Just Unlimited | $197 |
| Farmers | $236 |
| Nationwide | $243 |
| Bristol West | $244 |
| Liberty Mutual | $263 |
| Travelers | $282 |
| American Family | $288 |
)
Brett Clendenen
Sales Manager at Insurify, Insurify
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.
For additional protection on the road, many Nevada residents invest in full-coverage auto insurance, which typically includes liability, collision, and comprehensive coverages.
Nevadans pay significantly more for full-coverage policies than the national average of $173 per month.
This data shows the lowest full-coverage auto insurance rates in Nevada.
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 |
|---|---|
| COUNTRY Financial | $76 |
| State Farm | $110 |
| Just Pay-Per-Mile | $153 |
| USAA | $154 |
| Allstate | $198 |
| Safeco | $205 |
| Progressive | $208 |
| Mercury | $222 |
| GEICO | $237 |
| Sun Coast | $254 |
| Root | $262 |
| Liberty Mutual | $280 |
| Direct Auto | $294 |
| Mendota | $302 |
| Just Unlimited | $309 |
| Farmers | $309 |
| Nationwide | $318 |
| Travelers | $369 |
| Trexis | $372 |
| American Family | $378 |
| Bristol West | $391 |
*Quotes generated for Insurify users from Nevada within the last 10 days. Last updated on March 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Nevada within the last 10 days. Last updated on March 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you’re looking for a flexible car insurance option in Nevada, consider Insurify Car. Unlike traditional auto insurance plans with six-month terms, Insurify Car lets you secure and pay for coverage in seven-day increments. You can set a cancellation date of your choosing or let your policy roll over from week to week.
Insurify Car may be a solid choice if you’re visiting Nevada and need short-term coverage, or you simply don’t want to spend money on car insurance you don’t need. It might also make sense if you like the idea of paying for your policy in small, manageable weekly payments. For further details, check out our Insurify Car informational page.
Fortunately, many car insurance companies serve drivers in Nevada. To make your search for the ideal insurer a bit easier, here are the best car insurance companies in Nevada based on Insurify research.
| 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. | 9.1 /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. | $58/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. | $76/mo |
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.
For the best deal on auto insurance coverage in Nevada, COUNTRY Financial is worth exploring. In addition to affordable rates, the car insurance company advertises a variety of discounts, such as a multi-car discount and defensive driver discount. You may also save up to 25% through the DriverIQ telematics program.
Offers windshield replacement coverage
Local agents in Nevada
A+ (Superior) rating from AM Best
Not rated by J.D. Power for customer satisfaction
Must finalize coverage through an agent
No rideshare insurance
| 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. | 9.3 /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. | $84/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. | $110/mo |
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.
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.
About 21% of Nevada’s residents are younger than 18, according to data from the U.S. Census Bureau.[2] If you’re a teen or young driver in the Silver State, State Farm can be a good choice for car insurance. Designed for drivers younger than 25, the company’s Steer Clear program may help you improve your confidence behind the wheel and land a discount.
Teen-specific discounts, like a good student discount
Highly rated mobile app
Above-average J.D. Power customer satisfaction rating in the Southwest
Poor Trustpilot rating
No accident forgiveness
Not rated by the Better Business Bureau (BBB)
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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 |
| 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. | $208/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Las Vegas attracts about 40 million visitors per year, making rideshare services popular in Nevada. If you drive for Uber or another rideshare company, Progressive car insurance might make sense. The insurer offers rideshare coverage that applies when you’re logged into your rideshare app.
Variety of car insurance discounts
Offers unique add-ons, like pet injury coverage
Multiple accident forgiveness options
Below-average J.D. Power customer satisfaction rating in the Southwest
Rates can increase with Snapshot telematics program
Not the cheapest insurer in Nevada
Most states saw car insurance premiums decline in 2025. Unfortunately, Nevada was an exception for several reasons.
Nevada is the second-most urbanized state, placing residents at a higher risk for accidents. The state also has the third-highest vehicle theft rate and the fifth-highest average DUI arrest rate. For 2026, Insurify projects car insurance costs in Nevada will climb another 1.7%.
This table highlights car insurance rates in Nevada over the last five years.
Check quotes from 120+ top insurance companies
Drivers in the Silver State must carry liability auto insurance that meets or exceeds the minimum car insurance requirements in Nevada.[3] These requirements include:
Coverage Type | Nevada Requirement |
|---|---|
| Bodily injury | $25,000 per person / $50,000 per accident |
| Property damage | $20,000 |
You’ll need to show proof of liability coverage when you register your vehicle, and you’ll need to carry your information with you while driving.
Due to traffic congestion and a greater risk of accidents, car insurance premiums are more expensive in Las Vegas and North Las Vegas than in Pahrump and Reno.
Here’s a look at auto insurance rates across different cities in Nevada.
City | Average Monthly Quote |
|---|---|
| Henderson | $200 |
| Las Vegas | $237 |
| North Las Vegas | $236 |
| Pahrump | $168 |
| Reno | $135 |
The cheapest car insurance companies for Nevada drivers with a clean record are COUNTRY Financial and State Farm.
Below, you’ll find the most affordable auto insurance coverage for Nevadans with clean records.
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 |
|---|---|
| COUNTRY Financial | $57 |
| State Farm | $82 |
| Just Pay-Per-Mile | $106 |
| USAA | $115 |
| Mercury | $149 |
| Allstate | $151 |
| Sun Coast | $153 |
| Mendota | $183 |
| Direct Auto | $186 |
| Root | $190 |
| Safeco | $191 |
| Trexis | $193 |
| GEICO | $198 |
| Just Unlimited | $203 |
| Farmers | $226 |
| Nationwide | $232 |
| Bristol West | $240 |
| Travelers | $275 |
| Liberty Mutual | $279 |
| American Family | $286 |
Per Nevada law, drivers who accumulate 12 or more points for speeding within a 12-month time period face a six-month license suspension. You’l receive a letter in the mail before your license is suspended, and you may attend a hearing if you wish.[4]
Nevada residents with speeding tickets pay an average of $193 per month for a liability-only auto insurance policy.
Here, you can see the cheapest premiums for drivers with a speeding ticket in Nevada.
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 |
|---|---|
| COUNTRY Financial | $79 |
| State Farm | $106 |
| Just Pay-Per-Mile | $127 |
| USAA | $152 |
| Sun Coast | $183 |
| Allstate | $196 |
| Mercury | $207 |
| Mendota | $219 |
| Safeco | $231 |
| Trexis | $231 |
| Direct Auto | $237 |
| Just Unlimited | $244 |
| Root | $248 |
| GEICO | $256 |
| Farmers | $300 |
| Bristol West | $305 |
| Nationwide | $313 |
| Liberty Mutual | $333 |
| Travelers | $364 |
| American Family | $372 |
Nevada had 381 traffic fatalities in 2025, down 420 in 2024, according to the Nevada Office of Traffic Safety’s 2025 Statewide Fatal Report.
People in Nevada with at-fault accidents in their driving history pay average liability-only car insurance costs of $199 per month.
Below is an overview of the lowest auto insurance rates in Nevada for drivers with an at-fault accident.
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 |
|---|---|
| COUNTRY Financial | $78 |
| State Farm | $109 |
| Just Pay-Per-Mile | $132 |
| USAA | $155 |
| Sun Coast | $189 |
| Allstate | $199 |
| Mercury | $221 |
| Mendota | $226 |
| Trexis | $239 |
| Safeco | $242 |
| Root | $245 |
| GEICO | $251 |
| Just Unlimited | $252 |
| Direct Auto | $256 |
| Farmers | $309 |
| Bristol West | $315 |
| Nationwide | $321 |
| Liberty Mutual | $344 |
| Travelers | $373 |
| American Family | $379 |
Even a first-time DUI offense in Nevada comes with serious penalties, including community service or jail time between two days and six months, fines of up to $1,000, and a license revocation.[5] A third-time DUI is considered a felony and involves one to six years in jail and fines of up to $5,000.[6]
Nevadans with a DUI conviction can find the most affordable car insurance coverage through COUNTRY Financial and State Farm.
Here are the cheapest auto insurance companies for Nevada residents with a DUI on their driving record.
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 |
|---|---|
| COUNTRY Financial | $77 |
| State Farm | $115 |
| Just Pay-Per-Mile | $130 |
| USAA | $161 |
| Sun Coast | $187 |
| Allstate | $206 |
| Mercury | $214 |
| Mendota | $224 |
| Trexis | $237 |
| Just Unlimited | $249 |
| Safeco | $258 |
| Root | $258 |
| Direct Auto | $261 |
| GEICO | $268 |
| Farmers | $322 |
| Nationwide | $332 |
| Bristol West | $333 |
| Liberty Mutual | $359 |
| Travelers | $385 |
| American Family | $393 |
In Nevada, you’ll need an SR-22 if you’ve had a lapse in your liability car insurance coverage for 91 days or more.[3]
An SR-22 might also be required if you have to reinstate your license or register your vehicle following a lapse or suspension due to lack of insurance. If you do need an SR-22, you’ll need to keep it on file for at least three years.
Nevada residents who are required to drive with an SR-22 spend an average of $191 per month on a liability-only auto policy.
Below, you’ll find the most affordable car insurance quotes in Nevada with an SR-22.
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 |
|---|---|
| COUNTRY Financial | $71 |
| State Farm | $103 |
| Just Pay-Per-Mile | $126 |
| USAA | $144 |
| Sun Coast | $181 |
| Mercury | $182 |
| Allstate | $185 |
| Safeco | $215 |
| Mendota | $216 |
| Trexis | $229 |
| Root | $229 |
| Direct Auto | $233 |
| GEICO | $241 |
| Just Unlimited | $241 |
| Farmers | $288 |
| Nationwide | $297 |
| Bristol West | $298 |
| Liberty Mutual | $321 |
| Travelers | $345 |
| American Family | $352 |
Liability rates for high-risk drivers start at $75 per month
Nevada laws require teen drivers to be at least 16 to get behind the wheel on their own. But they can apply for a learner’s permit at 15 and a half and will need to pass the vision and written exams to receive it.
While they’re behind the wheel with a permit, Nevada teens must be supervised by a licensed driver who is at least 21 and has one year or more of driving experience.[7]
Here’s a look at the lowest auto insurance premiums for teens and young drivers in Nevada.
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 |
|---|---|
| COUNTRY Financial | $90 |
| State Farm | $159 |
| Just Pay-Per-Mile | $178 |
| USAA | $213 |
| Sun Coast | $255 |
| Mercury | $269 |
| Allstate | $292 |
| Mendota | $305 |
| Root | $315 |
| Trexis | $323 |
| Just Unlimited | $340 |
| GEICO | $344 |
| Safeco | $347 |
| Direct Auto | $360 |
| Bristol West | $425 |
| Liberty Mutual | $452 |
| Farmers | $459 |
| Nationwide | $464 |
| American Family | $532 |
| Travelers | $573 |
Residents 65 and older make up 17.6% of Nevada’s population, according to data from the U.S. Census Bureau.
Senior drivers in Nevada pay an average of $130 per month for a liability car insurance policy.
This table shows the most affordable auto insurance companies for Nevadans older than 60.
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 |
|---|---|
| COUNTRY Financial | $45 |
| State Farm | $65 |
| Just Pay-Per-Mile | $86 |
| USAA | $94 |
| Mercury | $117 |
| Allstate | $120 |
| Sun Coast | $124 |
| Mendota | $148 |
| Safeco | $151 |
| Direct Auto | $151 |
| GEICO | $154 |
| Root | $154 |
| Trexis | $156 |
| Just Unlimited | $164 |
| Nationwide | $183 |
| Farmers | $184 |
| Bristol West | $199 |
| Liberty Mutual | $216 |
| Travelers | $221 |
| American Family | $226 |
Like many other states, Nevada allows car insurers to consider your credit history when setting premiums.
Residents with bad credit can secure the cheapest car insurance through COUNTRY Financial and State Farm. Both offer rates below the state’s monthly average of $184 for liability coverage.
Below, you’ll find the most affordable auto insurance options for Nevada residents with bad credit.
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 |
|---|---|
| COUNTRY Financial | $67 |
| State Farm | $118 |
| Just Pay-Per-Mile | $121 |
| USAA | $140 |
| Sun Coast | $175 |
| Mercury | $177 |
| Allstate | $181 |
| Mendota | $209 |
| Safeco | $211 |
| Trexis | $221 |
| Root | $224 |
| Direct Auto | $229 |
| Just Unlimited | $232 |
| GEICO | $236 |
| Farmers | $283 |
| Nationwide | $291 |
| Bristol West | $292 |
| Liberty Mutual | $306 |
| American Family | $335 |
| Travelers | $338 |
Liability rates for high-risk drivers average $191 per month
If you still have questions about shopping for car insurance in Nevada, the answers below can help as you research policies and coverage options.
COUNTRY Financial has the cheapest car insurance in Nevada, according to Insurify data, with an average monthly premium of $58 for a liability policy.
A premium of $100 per month is on the more affordable side in Nevada, where the average monthly premiums are $156 for liability coverage and $235 for full coverage. The rate you pay will depend on several factors, including your age, driving history, vehicle type, gender, and more.
You can lower your car insurance bill in Nevada by driving safely, raising your deductible, improving your credit, and more.
Car insurance rates are high in Nevada because the state has a higher risk of accidents, as well as rates of vehicle theft and DUI, that are all well above the national average.
You aren’t required to carry full-coverage car insurance in Nevada. But you may want to if you’re still making payments on your vehicle or couldn’t afford to replace it if it were totaled.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Featured in
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
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.
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.
