Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Compare car insurance in Nevada

Get the cheapest car insurance in Nevada for 2021

The average annual cost of car insurance in Nevada is $1,386.22. Narrow down car insurers offering coverage in Nevada by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

Compare up to 4 providers

Nevada drivers pay an average of $1,386.22 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $115.52 per month. Nevada drivers pay about 17% more than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Nevada car insurance quick facts

Picture not described

Minimum liability requirements


Average annual car insurance cost according to the NAIC


At-fault state

In at fault states, the driver who caused the accident pays for damages.

Nevada state minimum car insurance requirements

Drivers in Nevada are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/20, but we’ll break down what that means.

    Bodily Injury Liability

    Nevada bodily injury liability

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

    Nevada requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Nevada property damage liability

    • $20,000 property damage liability

    Nevada requires drivers to carry $20,000 of property damage liability to legally drive. This is on the higher end of required property damage limits across the US, though not as common as the $25,000 limit that many states require.

    This means $20,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Finder tip: Nevada state minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Nevada, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    Most popular Nevada auto insurance companies list

    CompanyDirect premiums written (billions)Market share
    State Farm$477,09117.5%
    Liberty Mutual$134,2734.9%
    American Family$74,4422.7%

    Which city has the cheapest car insurance in Nevada?

    Of Nevada’s largest cities, Sparks has the cheapest car insurance rates and Las Vegas has the most expensive rates. Las Vegas drivers could face rates eight times more than Sparks drivers.

    Car insurance quotes in Las Vegas

    CompanyAnnual car insurance rate
    American Family$7618

    Car insurance quotes in North Las Vegas

    CompanyAnnual car insurance rate
    American Family$6368

    Car insurance quotes in Henderson

    CompanyAnnual car insurance rate
    American Family$5735

    Car insurance quotes in Reno

    CompanyAnnual car insurance rate
    American Family$3139

    Car insurance quotes in Sparks

    CompanyAnnual car insurance rate
    American Family$3139

    Can I get SR-22 insurance in Nevada?

    Yes, you can. You might need an SR-22 in Nevada if you’ve gotten a DUI, lost your license or have too many violation points on your driving record. SR-22 is a certificate that your car insurance provider files with your state’s DMV or other authorities to let them know you have the minimum coverage required to get back behind the wheel.

    How to get cheap car insurance in Nevada

    • Age. Drivers younger than 25 or older than 65 will pay more for car insurance because the insurance company considers you to be at higher risk for car accidents.
    • Gender. Males can often expect higher premiums. If you’re single you could pay even more.
    • Type of car. Sports cars are designed to go fast and tend to be driven aggressively, not to mention they’re expensive. Most insurers consider them a higher insurance risk.
    • Marital status. Single people are considered riskier than people who are married. If you get married, you could see your premiums decrease.
    • Location. Some places are at higher risk of theft, vandalism and other potential hazards, which incurs higher costs. Urban drivers who live in Las Vegas, Reno or other major cities are at higher risk for an accident than people who live far outside the city limits. Similarly, if one area is more prone to flooding or storms, you may expect this to impact your premiums.
    • Driving history. The more claims you’ve made and violations you have on your driving record, the more you’ll likely pay for your car insurance. And if you insure more than one driver to your car, their driving record will impact how much you’ll pay for insurance.
    • Typical driving habits. The distance you drive, how often you get behind the wheel and where you drive all play a part in your car insurance prices. If your job requires you to drive a lot, whether it’s for commuting or transporting goods, you could pay more for your coverage.

    Can my credit score affect my insurance rates in Nevada?

    Yes, it can. Separate studies by the University of Texas and the Federal Trade Commission both show a correlation between poor credit scores and elevated accident risk. Because of these findings, many insurance providers throughout the US will factor your credit score into their calculation of your insurance costs.

    How can I save on car insurance in Nevada?

    Looking for some ways to save money on your auto insurance in Nevada? No matter what state you’re in, you can follow general tips to lower your premiums and get a better value out of your coverage.

    Bottom line

    Car insurance is both legally required and usually the best way to protect yourself and your vehicle if an accident ever occurs. Research your insurance options to make sure that you’re receiving the coverage that you need — and that your state requires.

    Frequently asked questions about car insurance in Nevada

    More guides on Finder

      Ask an Expert

      You are about to post a question on

      • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
      • is a financial comparison and information service, not a bank or product provider
      • We cannot provide you with personal advice or recommendations
      • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

      By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

      Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
      Go to site