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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.
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Compare Nevada car insurance providers
Most popular Nevada auto insurance companies list
| 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% |
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
| 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 |
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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