Compare Car Insurance Rates in Nevada

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Cheap Car Insurance Nevada: Full and Minimum Coverage

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  • Car insurance in Nevada costs $110 per month for minimum coverage and $265 per month for full coverage on average.
  • USAA offers the lowest average prices in Nevada for both minimum- and full-coverage policies. 
  • State Farm is our top recommendation for car insurance based on its combination of affordable prices and quality coverage.

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Best Car Insurance Rates in Nevada

Nevada drivers can typically find the lowest car insurance rates from USAA, State Farm, and Travelers. However, auto policy costs are highly personalized, so we recommend getting quotes from multiple providers to determine which company has the lowest price for your situation.

  • Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Nevada. We used this data to determine the cheapest coverage options from quality car insurance providers, and you’ll find details in tables throughout the article.
  • To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
  • Unless stated otherwise, estimates reflect the profile of a 40-year-old driver with a clean driving record and good credit history.
  • You’ll find detailed cost estimates in the sections below, but we’ve listed out the cheapest car insurance companies in Nevada for a few driver profiles right here:
    • Cheapest full coverage: USAA followed by State Farm
    • Cheapest minimum coverage: USAA followed by State Farm
    • Cheapest for teen drivers: State Farm followed by USAA
    • Cheapest for drivers with a traffic violation: State Farm followed by USAA

Cheapest Car Insurance Companies in Nevada

Our review team has researched and ranked the top car insurance providers in Nevada. We recommend the following companies due to their combination of quality coverage and affordable policies. While USAA has the Silver State’s cheapest average rates overall, State Farm received the highest score of any company we researched.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.6$64$15412

Cheapest Car Insurance Coverage in Nevada

Minimum-coverage policies are the cheapest car insurance option that Nevada drivers can purchase. These policies meet the coverage requirements outlined by the state, but they won’t cover damage to your vehicle or take care of personal bodily injuries.

A full-coverage auto insurance plan ensures you’re covered in the case of damage to your vehicle, whether it’s the result of a natural disaster, vandalism, or an at-fault accident. This type of policy includes comprehensive and collision coverage, and it comes with higher premiums than minimum coverage.

Cheapest Minimum-Liability Car Insurance in Nevada

The average rate estimate for a minimum-coverage policy in Nevada is $110 per month or $1,323 per year. USAA tends to offer the cheapest minimum-liability policies with estimates of $64 per month or $771 per year.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
State Farm$64$772
American Family$134$1,612

Cheapest Full-Coverage Car Insurance in Nevada

In Nevada, the average rate for full-coverage auto insurance is $265 per month or $3,180 per year. USAA also tends to offer the cheapest estimates for full-coverage insurance at $138 per month or $1,661 per year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
State Farm$154$1,846
American Family$278$3,341

Nevada Car Insurance Quotes by Driver Profile

Because auto insurance costs are highly personalized, what you pay for coverage will likely vary from the cost estimates listed above. Factors like your age, driving record, location, and more impact your premiums.

car insurance cost factors

Cheapest Car Insurance in Nevada: Age

Age plays a significant role in determining auto insurance costs, with young drivers and especially teen drivers paying some of the highest rates. You’ll find the average rate estimates for Nevada drivers of different ages below.

Driver AgeAverage Monthly Rate for Full Coverage

Cheapest Car Insurance in Nevada: High-Risk Drivers

While those with clean driving records often find some of the most affordable rates on average, Nevada drivers with any at-fault accidents or traffic violations on their record will pay much higher premiums.

Below is a list of the top insurers in Nevada and their average minimum-coverage rates for good drivers versus high-risk drivers.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
State Farm$44$50
American Family$107$174
*Data was pulled from 2022 information.

Car Insurance Rates in Nevada: Speeding Ticket

Even receiving a single speeding ticket can cause your premiums to increase a good bit. USAA tends to offer the cheapest car insurance after a speeding violation in Nevada with an average rate estimate of $162 per month or $1,945 per year.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
State Farm$165$1,974
American Family$365$4,381

Car Insurance Rates in Nevada: At-Fault Accident

Similar to a speeding violation, drivers who are found at fault for a car accident will see increased car insurance rates. State Farm generally offers the cheapest coverage for Nevada drivers with a recent accident, with an average rate estimate of $177 per month or $2,128 per year. USAA and Travelers also offer lower average rates below $3,000 per year for drivers with an at-fault accident.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
State Farm$177$2,128
American Family$412$4,940

Car Insurance Rates in Nevada: DUI

Nevada drivers who receive a violation for driving under the influence (DUI) will pay higher-than-average car insurance costs. For Nevada motorists with a DUI on their record, State Farm offers average estimates of $165 per month or $1,974 per year. State Farm’s average costs are significantly lower than any other car insurance provider in the state.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$165$1,974
American Family$516$6,187

Average Cost of Car Insurance in Nevada

Nevada drivers pay an average of $1,323 per year for minimum-liability insurance and $3,180 annually for full coverage. These rates are about 73% higher than the national average for minimum coverage and 60% higher than the national rate for full coverage.

Average Car Insurance Cost in Nevada by City

Even within states, auto insurance premiums can vary significantly by ZIP code based on the potential risk factors of different areas. The table below shows the average rates for car insurance in Nevada’s largest cities.

Cities in NevadaAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Las Vegas$124$255
North Las Vegas$119$252
Spring Valley$123$255
Sunrise Manor$128$266
Carson City$63$151
Sun Valley$68$168
Summerlin South$119$239
Boulder City$93$194
Spring Creek$65$162
*Data was pulled from 2022 information.

Nevada Minimum Car Insurance Coverage

Nevada law requires all drivers to either meet or exceed the following minimum coverage requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

An auto insurance policy that meets these state requirements provides coverage for other drivers, their passengers, and their vehicle. If you’re looking for coverage for your own medical bills and vehicle, you’ll want to consider a full-coverage policy. This typically includes collision coverage and comprehensive coverage to ensure that your vehicle is protected in the case of vandalism, a car accident, or severe weather, for example. Medical payments coverage (MedPay) can help cover potential medical expenses as well.

Cheap Car Insurance in Nevada: Conclusion

Whether you’re looking for minimum or full coverage, you can generally find the cheapest car insurance in Nevada from USAA. The company offers average minimum-liability rates of $64 per month and full-coverage rates of $138 per month. It’s important to compare auto insurance quotes from multiple providers to find the most affordable coverage.

Best Car Insurance in Nevada: Recommended Providers

The cheapest insurer for one Nevada driver won’t necessarily be the cheapest for another. We recommend getting quotes from at least three providers to find the best cost and coverage for your needs. GEICO and State Farm are two great places to begin your search for the best auto insurance.

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GEICO: 4.4 out of 5.0

GEICO typically provides one of the cheapest car insurance in Nevada for both full-coverage and minimum-coverage plans. This combined with the company’s wide selection of coverage options and reliable customer service make GEICO a good choice for coverage.

State Farm: 4.6 out of 5.0

State Farm’s average costs for car insurance in Nevada are extremely competitive, nearly matching those from GEICO for several types of drivers. The company has a very solid industry reputation and offers a variety of discount opportunities to help drivers save even more on their policies.

Cheapest Auto Insurance in Nevada: FAQ

Which company gives the cheapest car insurance?

Drivers in Nevada typically find the cheapest car insurance from USAA for both minimum- and full-coverage policies. State Farm also offers affordable rates in the state.

How much is car insurance per month in Nevada?

The average cost of car insurance per month in Nevada is $110 for a minimum-coverage policy and $265 for full coverage. Our team found rates in Nevada as low as $64 per month for minimum coverage and $138 per month for full coverage.

How much is car insurance on average in Nevada?

On average, car insurance in Nevada costs $1,323 per year for minimum coverage and $3,180 annually for full-coverage policies.

Is it illegal to drive without insurance in Nevada?

Yes, it is illegal to drive without insurance in the state of Nevada. The state has a tiered system of fines and fees, so the penalty you pay depends on the length of time your coverage has lapsed and how many previous lapses you’ve had within five years, with fines ranging from $250 to $1,750.

Is it cheaper to pay car insurance every six months or monthly?

You’ll typically get charged less if you pay off your car insurance policy every six months rather than each month. Many auto insurers give discounts for paying policies up front, though this savings opportunity isn’t available with every insurance company.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.