Cheap car insurance in Nevada

How to get the best car insurance in Nevada

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How much is car insurance in Nevada?

Part of getting car insurance that meets your own needs includes meeting the legal requirements in your state. Compare the kind of coverage you’ll need to meet Nevada’s minimum requirements and how the state’s laws can impact you behind the wheel, plus find the best car insurance rates.

Nevada

Car insurance quick facts

25/50/20

Minimum liability requirements

$1,400

Average annual car insurance cost

30

Days to update your license

At-fault state

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

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare Nevada car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Farmers
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

Most popular Nevada auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$477,09117.5%
Geico$413,41215.2%
Progressive$304,42611.2%
Allstate$254,6549.4%
Farmers$211,6137.8%
USAA$168,4346.2%
AAA$136,4425.0%
Liberty Mutual$134,2734.9%
American Family$74,4422.7%
Travelers$60,4242.2%

Average car insurance costs in Nevada

Nevada comes in right at the national average for car insurance costs, ranging from $1,250 to $1,400 annually for most drivers. If you’re seeking standard auto insurance in Nevada and you’re older than 25, you can expect your costs to fall within this range.

However, because so many individual factors contribute to calculating insurance costs, your annual bill could also fall well outside of that range.

Cheapest car insurance in Nevada

Cheap car insurance in Nevada

Cheap car insurance in Las Vegas

Which city has the cheapest car insurance in Nevada?

Of Nevada’s largest cities, Sparks has the cheapest rates and Las Vegas has the most expensive car insurance rates. Las Vegas drivers could face rates 8 times more than Sparks drivers.

Car insurance quotes in Las Vegas

CompanyAnnual car insurance rate
Allstate$2032
American Family$7618
Progressive$1674
AAA$2038
Mercury$3648

Car insurance quotes in North Las Vegas

CompanyAnnual car insurance rate
Allstate$1618
American Family$6368
Progressive$1581
AAA$1735
Mercury$3433

Car insurance quotes in Henderson

CompanyAnnual car insurance rate
Allstate$1696
American Family$5735
Progressive$1456
AAA$1804
Mercury$3298

Car insurance quotes in Reno

CompanyAnnual car insurance rate
Allstate$916
American Family$3139
Progressive$1053
AAA$1154
Mercury$2188

Car insurance quotes in Sparks

CompanyAnnual car insurance rate
Allstate$869
American Family$3139
Progressive$916
AAA$1069
Mercury$1987

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 as 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 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.

State minimum requirements in Nevada

To drive in Nevada, you’ll need to have insurance coverage that includes:

  • $25,000 per person in liability coverage
  • $50,000 per accident in liability coverage
  • $20,000 per accident in property liability coverage

Some states require drivers to purchase additional coverage for uninsured or underinsured motorists, but Nevada is not one of them.

When you’re shopping for car insurance, you might see these numbers written as 25/50/20. These minimums were raised to 25/50/20 on July 1, 2018, so make sure you’ve updated your insurance since then.

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.

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.

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Frequently asked questions about car insurance in Nevada

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