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Compare car insurance in Nevada
Get the cheapest car insurance in Nevada for 2022
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
Minimum liability requirements
25/50/20
Average annual car insurance cost according to the NAIC
$1,386.22
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.
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.
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.
Cheapest rates by age in Nevada
In Nevada, drivers under age 25 can expect to pay above $200 per month. USAA and Progressive ring in as the lowest rates for young drivers, based on Savvy’s sample quotes.
For other ages, USAA’s, Geico’s and Progressive’s rates stand neck and neck. You may want a quote from all three companies to find the best value for you.
| Age | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| 16-24 | $247.85 | $236.46 | $269.76 | $229.64 |
| 25-34 | $203.87 | $173.00 | $173.42 | $183.15 |
| 35-44 | $207.98 | $163.21 | $159.81 | $159.77 |
| 45-54 | $189.75 | $147.16 | $149.42 | $132.27 |
Cheapest rates by gender in Nevada
Prices look significantly different between men and women – as much as $40 different based on the company. Men may go with Progressive to find the best value for them, while women may want a quote from Geico.
| Company | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| Men | $222.61 | $155.66 | $185.68 | $175.61 |
| Women | $183.21 | $180.86 | $160.64 | $191.65 |
Sample rates in Nevada from major car insurance companies
We found Progressive to offer the closest value to Nevada’s average across the state. We base that information off of sample car insurance quotes from Savvy.
You also can lower your costs further with Progressive by keeping a claim-free record or joining Snapshot. Snapshot is a program that tracks your driving and sets a discount if you prove that you’re a safe driver.
| Company | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| Rate | $202.91 | $167.11 | $174.12 | $182.48 |
Best car insurance in Nevada
In Nevada, the best car insurance companies aren’t always the first brands that come to mind. You have the option to go with brand-name companies or lesser-known choices with solid coverage, discounts and customer service ratings.
We vetted these companies by considering their coverage as well as ratings from J.D. Power, Better Business Bureau and the National Association of Insurance Commissioners.
Best for low rates: Travelers
Travelers
Finder rating 4.5 / 5 ★★★★★
Travelers offers all the coverage you'd expect from an established brand, including extras like rideshare and gap coverage. Its app lets you access your ID card, file a claim, contact or even sign insurance documents. Or you can reach out to your local agent if you prefer more personal interactions.
Travelers brings top-notch service and nearly 170 years of experience to the table when it lines up next to other major insurance brands. It's the tenth-largest auto insurance company in the US, showing that customers trust it with their insurance needs.
Pros
- Nearly 14,000 local agents offer one-on-one support
- High ratings from J.D. Power, BBB, AM Best and more
- Discount up to 23% for claims-free driving record
- Extra coverage, like accident forgiveness, rideshare and gap insurance
Cons
- Mixed customer experience with Android app
- Charges service fees with some payment methods
- You might find steeper discounts elsewhere
| Telematics | IntelliDrive |
|---|---|
| Gap insurance | Yes |
Best customer service: American Family
American Family
Finder rating 4 / 5 ★★★★★
American Family may not be the first brand you think about for car insurance, but you'll want a quote if you live in the Southwest. The company ranks at the top of J.D. Power's annual auto insurance study. Perhaps one reason for its high customer satisfaction is that you get one-on-one attention through local agents.
You can keep all the car insurance coverage you're used to. Plus, American Family offers options like gap, rideshare coverage and SR-22 form filing. Finally, you get a company with nearly 70 years of industry experience. American Family is the ninth-largest US auto insurance company, bringing strong finances and experience to support your claims.
Pros
- No. 1 in Southwest for customer service by J.D. Power
- Personalized service through local agents
- Few complaints filed with the NAIC
- Discounts up to 30% for car safety features
Cons
- Lengthy application
- Website not user-friendly
Best for low mileage: Nationwide SmartMiles
Nationwide
Finder rating 4 / 5 ★★★★★
If you don't drive much, you could save by paying for car insurance per mile with SmartMiles. SmartMiles is one of the only pay-per-mile policies on the market, and it's offered by an experienced brand with strong finances to back your claims.
With SmartMiles, you'll pay a flat rate per month plus a few pennies for every mile you drive. For example, you could pay $95 per month if you drive around 500 miles a month. That adds up to $40 in monthly savings over a traditional policy, according to Nationwide's website.
Pros
- Experienced brand with nearly 100 years in industry
- Extra 10% discount for safe driving
- Miles over 250 per day are free
- Doesn't use your cell phone data
Cons
- Rates may go up if you don't drive safely
- Not compatible with every vehicle
- Mileage tracked through plugin device, not app
| Telematics | Yes |
|---|---|
| Gap insurance | Yes |
Best for wide coverage: Geico
Geico
Finder rating 4 / 5 ★★★★★
When you're looking to save money on car insurance, Geico probably comes to mind. The commercials are true — many drivers can save big, especially when insuring multiple vehicles or cars endowed with many safety features.
Another much-loved feature: Geico's user-friendly app. You can access your ID card, file a claim, upload photos of your car's damage or text an agent for answers to your questions. The app also connects with Carfax to remind you about maintenance you need to do for your vehicle.
Pros
- Known for offering low prices to most drivers
- Discount up to 25% for multiple vehicles
- One of the highest-rated insurance apps
Cons
- Online-focused customer service
- Few local agents available &mdash
- mostly in major cities
- No gap coverage
| Telematics | DriveEasy |
|---|---|
| Gap insurance | No |
7 factors that affect your car insurance premium in Nevada
Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is, the less you pay. And the riskier you are, the more you’ll pay. We’ll break down Nevada’s rating factors to keep in mind.
| Factor | How it affects your rates |
|---|---|
 Age | How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20s with drivers over 50 paying the least. |
 Gender | Nevada takes gender into account when determining your rates. On average, men in Nevada pay less for car insurance than women. The average annual premium across all age categories for men is $1,520 while women pay an average of $1,601. |
 Location | Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates. When it comes to vehicle theft, Nevada is higher than the national average. For every 100,000 inhabitants, approximately 336.4 vehicles were stolen, according to Statista. The national average across the US is 246 cars for every 100,000 inhabitants. As for uninsured drivers, 10.4% of Nevadans on the road are uninsured. That ranks the state 32nd out of 50 states for uninsured drivers, according to Insurance Information Institute. |
 Driving Record | The better your record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. A DUI in Nevada can increase your rate by an average of 46%. These types of violations typically stay on your record for about five years. Nevada drivers with a clean driving record pay approximately $1,802 annually while Nevada drivers with an at-fault accident pay approximately $2,403 annually. |
 Vehicle and mileage | Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure. Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums. And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. According to the Bureau of Transportation, Nevadans drive around 25.5 miles per day, which is under the national average of 36.1 miles per day. |
 Credit score | Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates. Nevada insurers charge the highest coverage rates for drivers with poor credit histories. Drivers with good credit scores could see an annual insurance rate of about $1,487. These rates rise to about $1,865 with a fair credit score and approximately $3,873 for those with poor credit. |
 Coverage | The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. If you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too. Higher deductibles mean lower monthly premiums. Low coverage costs in Nevada average to about $722 yearly, whereas high coverage can be anywhere around $1,830 on average. |
What happens if I need an SR-22 in Nevada?
An SR-22 is a certificate that your car insurance company files with the Nevada Department of Motor Vehicles (DMV) to let them know that you have the insurance coverage required to get behind the wheel. You’ll need to keep the SR-22 requirement for three years after reinstating your license.
You might need an SR-22 in Nevada if you have a DUI, lost your license or have too many violation points on your driving record.
The DMV won’t notify you when you can remove the SR-22 filing from your insurance. You’ll need to keep track of the date yourself so that you don’t overpay for car insurance. Insurance companies consider drivers needing an SR-22 a high risk, typically raising premiums.
Coverage that we recommend in Nevada
The purpose of your car insurance is to help you recover financially after a car accident. While Nevada requires liability coverage, you need extra protection to cover other kinds of damage, such as:
Higher liability limits to protect your wallet
Because Nevada requires low limits of 25/50/20 for liability coverage, think about raising those limits on your policy. Higher limits make sure that all the damage you cause is covered by insurance, including legal costs if someone takes you to court. Talk about how much liability coverage you need with your insurance agent or financial adviser.
Collision coverage to repair your own car
If you’re at fault for an accident, liability coverage doesn’t pay for your car damage — it pays for damage to someone else’s property. You need collision coverage if you want your insurance to cover your car’s damage.
In Nevada, the average cost of collision coverage is about $30 per month, according to the NAIC auto insurance database. Let’s say that you get in an accident causing $1,500 in damage to your car.
If you opted out of collision coverage and saved your monthly premium, it would take you over four years to recover from this accident. Rather than saving for years on end, you can get the same protection by buying this coverage.
Consider collision coverage if . . .
- Your car loan requires it.
- It costs less than your car’s value.
- You can’t pay for car repairs or another car on your own
- You rely on your car for everyday driving.
Comprehensive coverage for “other-than-collision” damage
Comprehensive coverage helps with any incidents other than colliding with a car. Those incidents include theft, vandalism, a tree hitting your car, weather damage or objects cracking your windshield. This coverage is especially important in Nevada where you’re 37% more likely to get your car stolen than drivers nationwide, based on Statista’s theft numbers.
Consider this coverage if . . .
- It’s required for your car loan.
- You can’t repair or replace your car out of pocket.
- Your area has a high risk of theft or severe storms.
Uninsured or underinsured motorist coverage for unexpected expenses
While Nevada doesn’t have the highest uninsured driver rate, you still want to protect yourself from major financial strain if an uninsured driver hits you. Think about adding uninsured or underinsured motorist coverage to help you recover.
Consider this coverage if . . .
- You can’t pay for car repairs or another car on your own.
- You don’t have health insurance.
- Your health insurance has high out-of-pocket costs.
Top 10 auto insurance companies in USA that serve Nevada
We’ve pulled the top 10 companies by market share that offer coverage in Nevada according to S&P Global. Compare top companies by three major rating agencies along with our overall score.
- Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
- J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
- NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
- Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 | |||||
 | ★★★★★ 4/5 |
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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2032 |
| American Family | $7618 |
| Progressive | $1674 |
| AAA | $2038 |
| Mercury | $3648 |
Car insurance quotes in North Las Vegas
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1618 |
| American Family | $6368 |
| Progressive | $1581 |
| AAA | $1735 |
| Mercury | $3433 |
Car insurance quotes in Henderson
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1696 |
| American Family | $5735 |
| Progressive | $1456 |
| AAA | $1804 |
| Mercury | $3298 |
Car insurance quotes in Reno
| Company | Annual car insurance rate |
|---|---|
| Allstate | $916 |
| American Family | $3139 |
| Progressive | $1053 |
| AAA | $1154 |
| Mercury | $2188 |
Car insurance quotes in Sparks
| Company | Annual car insurance rate |
|---|---|
| Allstate | $869 |
| American Family | $3139 |
| Progressive | $916 |
| AAA | $1069 |
| Mercury | $1987 |
Compare car insurance providers in Nevada
How to get cheap 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.
In Nevada, the driver at fault pays for damage
Nevada is an at-fault state, which means that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will figure out who’s at fault, based on the circumstances.
However, Nevada also considers whether both drivers are partially at fault under its modified comparative fault law, according to the legal website Nolo. Under this law, drivers can get reimbursed for their damage as long as they don’t have a higher percentage of fault than other drivers.
For example, if you’re 80% at fault for an accident, your insurance will pay 80% of the other driver’s damages. However, since your level of fault is higher than the other driver’s, that driver isn’t required to pay for your damages.
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.
- Average Premiums and Expenditures, NAIC, 2018
- Automobile Financial Responsibility Limits By State, III, October 2021
- Motor vehicle theft rate in the United States in 2020, by state, Statista, 08 October 2021
- Top 10 Highest And Lowest States By Estimated Percentage Of Uninsured Motorists, 2019, III
- State Transportation by the Numbers, BTS
- License Suspensions & Revocations, Nevada Department of Motor Vehicles
- Largest private auto insurers posted combined ratios under 100% in 2020, S&P Global, May 4, 2021
- Nevada Car Accident Laws, Nolo
Frequently asked questions about car insurance in Nevada
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