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Part of getting car insurance that meets your 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. Also, the average car insurance rate in this state tops at $1,400, so, depending on your details, shopping around could help you find cheaper rates.
Car insurance quick facts
In at fault states, the driver who caused the accident pays for damages.
Since you’ve got a wide variety of options, use the table below to review some of your choices. Check the compare box below any four providers then click compare to see the details listed side by side.
Company | Direct premiums written (billions) | Market share |
---|---|---|
State Farm | $477,091 | 17.5% |
Geico | $413,412 | 15.2% |
Progressive | $304,426 | 11.2% |
Allstate | $254,654 | 9.4% |
Farmers | $211,613 | 7.8% |
USAA | $168,434 | 6.2% |
AAA | $136,442 | 5.0% |
Liberty Mutual | $134,273 | 4.9% |
American Family | $74,442 | 2.7% |
Travelers | $60,424 | 2.2% |
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, your costs may 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 if you fall into certian high-risk categories.
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.
Company | Annual car insurance rate |
---|---|
Allstate | $2032 |
American Family | $7618 |
Progressive | $1674 |
AAA | $2038 |
Mercury | $3648 |
Company | Annual car insurance rate |
---|---|
Allstate | $1618 |
American Family | $6368 |
Progressive | $1581 |
AAA | $1735 |
Mercury | $3433 |
Company | Annual car insurance rate |
---|---|
Allstate | $1696 |
American Family | $5735 |
Progressive | $1456 |
AAA | $1804 |
Mercury | $3298 |
Company | Annual car insurance rate |
---|---|
Allstate | $916 |
American Family | $3139 |
Progressive | $1053 |
AAA | $1154 |
Mercury | $2188 |
Company | Annual car insurance rate |
---|---|
Allstate | $869 |
American Family | $3139 |
Progressive | $916 |
AAA | $1069 |
Mercury | $1987 |
To drive in Nevada, you’ll need to have insurance coverage that includes:
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.
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.
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.
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.
Compare car insurance companies near you.
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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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