Cheapest for: Minimum liability | Full coverage | Prior incidents | Young drivers
Cheapest Car Insurance Quotes in Nevada (2024)
State Farm has the best cheap car insurance in Nevada, at $120 per month for full coverage.
Find Cheap Auto Insurance Quotes in Nevada
Best cheap car insurance companies in Nevada
To determine the best cheap NV car insurance, ValuePenguin's team collected quotes from top companies across each ZIP code in the state.
Quotes for minimum coverage meet the Nevada state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, along with $20,000 in property damage protection. Full coverage quotes include higher liability limits than the state minimums, in addition to comprehensive and collision protection.
Our experts also ranked Nevada's best car insurance companies based on customer service reviews, affordability for different drivers, convenience and coverage availability.
Cheapest car insurance in Nevada: State Farm
State Farm provides Nevada drivers with the best rates for full coverage car insurance. A policy from State Farm costs around $120 per month. That's less than half the state average of $247 per month.
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Cheapest full-coverage car insurance in Nevada
Cheapest full-coverage company | Monthly rate | |
|---|---|---|
| State Farm | $120 |
| Travelers | $166 |
| Progressive | $188 |
| Geico | $200 |
| Allstate | $240 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Nevada: State Farm
State Farm has the most affordable rates for liability-only car insurance in Nevada. At $63 per month, coverage from State Farm costs 45% less than the Nevada state average.
The average cost of minimum liability car insurance in Nevada is $114 per month, or $1,368 per year.
Cheapest car insurance in Nevada
Company | Monthly rate |
|---|---|
| State Farm | $63 |
| Geico | $81 |
| Travelers | $81 |
| Progressive | $82 |
| Allstate | $128 |
*USAA is only available to current and former military members and their families.
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Cheapest car insurance for young drivers in Nevada: State Farm
Young drivers in Nevada can also find the cheapest rates with State Farm.
Minimum coverage rates from State Farm are 45% cheaper than average, and the company's full coverage rates are 54% cheaper than average.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $216 | $359 |
| Geico | $238 | $500 |
| Travelers | $250 | $475 |
| Progressive | $444 | $1,104 |
| American Family | $503 | $839 |
The average cost of minimum coverage car insurance for 18-year-old Nevadan drivers is $390 per month. That's more than three times as expensive as the same coverage for 30-year-old drivers.
Young drivers statistically get into more accidents than older drivers, making them more costly for insurance companies to protect.
Cheapest car insurance quotes with a ticket: State Farm
State Farm has the best car insurance rates for a Nevada driver with a speeding ticket on their record. Its average rate is $128 per month for full coverage insurance, which is 59% below average.
Company | Monthly rate |
|---|---|
| State Farm | $128 |
| Travelers | $208 |
| Geico | $241 |
| Progressive | $248 |
| Allstate | $267 |
In Nevada, a single speeding ticket will increase your insurance rates by 25% on average.
Cheapest car insurance after an accident: State Farm
State Farm also has the cheapest quotes for Nevada residents who have recently been in an at-fault car accident. An average full coverage policy from State Farm after an accident costs around $140 per month, which is 63% less than the Nevada average.
Company | Monthly rate |
|---|---|
| State Farm | $140 |
| Travelers | $230 |
| Progressive | $280 |
| Geico | $325 |
| Allstate | $332 |
Quotes for Nevada drivers who have caused an accident average $378 per month. That's 53% more than drivers with a clean record pay for the same coverage.
However, insurance companies penalize accidents to different degrees. The most expensive company, AAA, increases rates by close to $343 per month. On the other hand, State Farm raises rates by only $20 per month, on average.
Cheapest car insurance for young drivers after a ticket or accident: State Farm
State Farm has the cheapest rates for young Nevada drivers with a speeding ticket or accident on their record.
At $236 per month, minimum coverage auto insurance from State Farm after a ticket is half the average price in the state.
Young drivers who caused an at-fault accident pay an average of $259 per month with State Farm, also around half the state average overall.
Company | Ticket | Accident |
|---|---|---|
| State Farm | $236 | $259 |
| Geico | $265 | $353 |
| Travelers | $317 | $361 |
| Progressive | $466 | $486 |
| Allstate | $603 | $658 |
Young drivers in Nevada already pay expensive rates for auto insurance, but an accident will cause quotes to increase 40% on average, from an average rate of $390 per month to $545 per month.
Insurance quotes for an 18-year-old driver with a speeding ticket are about 24% more expensive than rates for a driver of the same age with a clean record in Nevada. However, State Farm only increases rates by 9%, or $20 per month.
Cheapest car insurance after a DUI: Travelers
Travelers has the best rates for Nevada drivers with a DUI (driving under the influence) conviction on their record. The company's average rate for a full coverage policy is $245 per month. That's 44% cheaper than the state average of $440 per month.
Company | Monthly rate |
|---|---|
| Travelers | $245 |
| Progressive | $306 |
| Allstate | $326 |
| State Farm | $380 |
| Geico | $390 |
DUIs raise insurance quotes in Nevada by 79%, on average.
Cheapest car insurance for drivers with poor credit: Travelers
Travelers offers the cheapest quotes for Nevada drivers with a low credit score. At $271 per month for full coverage, a policy from Travelers is $179 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| Travelers | $271 |
| Progressive | $305 |
| Geico | $308 |
| Allstate | $423 |
| State Farm | $527 |
Your credit score might not have anything to do with your driving ability, but it can impact your car insurance quotes in Nevada. Insurance for drivers with poor credit is 82% more expensive than coverage for Nevada drivers with good credit.
Best car insurance companies in Nevada
The best car insurance company in Nevada is USAA based on its high rating from ValuePenguin's editors and top J.D. Power customer satisfaction score.
State Farm is an excellent choice for drivers who don't qualify for USAA. Unfortunately, not all drivers in Nevada can buy car insurance from USAA. The company only offers insurance for active military members, veterans and their families.
Best-rated car insurance in Nevada
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| AAA | 827 | A | |
| Geico | 835 | A++ | |
| American Family | 838 | A |
Comparing customer service reviews is an important part of shopping for car insurance in Nevada.
If you're in an accident, a company with great customer service can ease your stress and help get you back on the road quickly. A company with a poor customer service score may have a longer claims process or offer you less money for repairs.
Average car insurance cost in Nevada by city
The cheapest car insurance quotes in Nevada are in Dayton, while drivers in Winchester pay the highest rates in the state.
Full coverage auto insurance quotes in Nevada can vary by up to $167 per month, depending on where you live.
People living in Winchester, an unincorporated suburb of Las Vegas, pay around $337 per month for car insurance. Drivers in Dayton, a rural town outside Carson City, can expect to pay $170 per month for the same coverage.
City | Monthly rate | % from average |
|---|---|---|
| Alamo | $200 | -19% |
| Amargosa Valley | $216 | -12% |
| Austin | $182 | -26% |
| Baker | $187 | -24% |
| Battle Mountain | $176 | -29% |
Minimum requirements for auto insurance coverage in Nevada
Nevada requires drivers to have minimum liability limits of 25/50/20 for bodily injury liability and property damage liability coverage. This coverage pays for the other driver's injuries and damage to their car or property.
Liability | Minimum coverage |
|---|---|
| Bodily injury (BI) | $25,000 per person and $50,000 per accident |
| Property damage (PD) | $20,000 per accident |
What's the best car insurance coverage for Nevada drivers?
Cheap quotes may make minimum liability car insurance seem like a good choice. However, low coverage limits mean you might wind up paying more in the long run if you're involved in an accident.
A minimum coverage policy in Nevada only pays for the other driver's injuries and property damage. It does not include protection for damage to your own vehicle.
Full coverage auto insurance policies include comprehensive and collision coverage along with liability insurance. Collision coverage pays for damage to your car in an accident, regardless of who is at fault. Comprehensive coverage pays for damage from noncollision events, like fallen tree branches or a hailstorm.
Most drivers should consider full coverage car insurance because it protects your own vehicle along with the other driver's.
Full coverage is an especially good idea if your car is worth more than $5,000 or is less than 8 years old. It's also required if you have a car loan or lease.
The difference between the average cost of full coverage and minimum coverage in Nevada is $133 per month. However, full coverage could save you a lot of money if you're in an accident.
Frequently asked questions
Who has the cheapest car insurance in Nevada?
State Farm has the lowest rates for Nevada drivers, at $63 per month for minimum coverage insurance and $120 per month for full coverage.
How much is car insurance per month in Nevada?
The average price of car insurance in Nevada is $114 per month for minimum coverage. A full coverage policy costs around $247 per month.
Is car insurance cheaper in Nevada?
Nevada is one of the most expensive states for car insurance. Nevada ranks as the third-most expensive state for minimum coverage, and second-most expensive for full coverage. This is partially due to the high number of drivers on the road, especially in cities like Las Vegas and Reno.
Is Nevada a no-fault state?
Nevada is not a no-fault state for car insurance. That means the person who causes an accident is responsible for paying for the damage.
How much is car insurance in Las Vegas?
Car insurance in Las Vegas costs $318 per month for full coverage. That's 29% more expensive than the Nevada average. Drivers living in North Las Vegas also pay 29% more than average, while the suburb of Henderson is less expensive, at $276 per month.
Methodology
We collected thousands of quotes from ZIP codes across Nevada from the state's largest insurance companies for a 30-year-old man with a 2015 Honda Civic EX and good credit.
Quotes for a 30-year-old are based on a full coverage policy and clean driving record unless otherwise noted. Full coverage auto insurance quotes include the following limits:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
For a minimum coverage policy, quotes use the minimum state requirements in Nevada. Quotes for young drivers are for minimum coverage unless otherwise noted.
Rate data was collected from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes will differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.