Cheapest for: Minimum liability | Full coverage | Prior incidents | Young drivers
Who Has the Best Cheap Car Insurance Quotes in Nevada? (2022)
Who Has the Best Cheap Car Insurance Quotes in Nevada? (2022)
State Farm has the best cheap car insurance in Nevada, at $640 per year and $53 per month for minimum liability quotes.
Best cheap car insurance in Nevada
To determine the best cheap car insurance in Nevada, our editorial 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.
We also ranked Nevada's best car insurance companies based on customer service reviews, affordability for different drivers, convenience and coverage availability.
The average cost of car insurance in Nevada is $1,138 per year, or $95 per month, for minimum liability.
Cheapest car insurance quotes in Nevada: State Farm
State Farm has the most affordable rates for minimum coverage car insurance in Nevada. At $640 per year, State Farm costs 37% less than the next-cheapest insurer, Progressive.
Find Cheap Auto Insurance Quotes in Nevada
Company | Monthly rate | |
|---|---|---|
| State Farm | $53 |
| Progressive | $84 |
| Geico | $84 |
| American Family | $97 |
| AAA | $113 |
*USAA is only available to current and former military members and their families.
Although cheap quotes make minimum liability car insurance seem like an attractive choice, low coverage limits mean that you might wind up paying more in the long run if you're involved in an accident.
A minimum coverage policy in Nevada only covers the other driver's injuries and property damage. It does not include protection for damage to your vehicle.
For this reason, we recommend purchasing a full coverage auto insurance policy rather than a minimum coverage policy.
Cheapest full coverage car insurance in Nevada: State Farm
State Farm also provides Nevada drivers with the best quotes for full coverage auto insurance with an average rate that is 51% — or $1,334 a year — cheaper than the state average of $2,636.
Company | Monthly rate |
|---|---|
| State Farm | $108 |
| Progressive | $167 |
| Geico | $196 |
| American Family | $224 |
| Allstate | $251 |
*USAA is only available to current and former military members and their families.
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, and comprehensive coverage pays for damage from non-collision events, such as fallen tree branches or a hailstorm.
We recommend full coverage auto insurance for most drivers, as it helps ensure that your own vehicle is protected as well as the other driver's. It's also required if you have a car loan or lease.
The difference between full coverage and minimum coverage in Nevada is $1,498 a year, but full coverage could save you a significant amount of money if you're in an accident.
Cheap car insurance quotes for Nevada drivers with prior incidents
Incidents on your driving record, such as citations for traffic violations or DUIs, raise the costs of your auto insurance premiums in Nevada. Insurers see these incidents as signs that you are a high-risk driver, and they will increase your rates to account for that risk.
Find Cheap Auto Insurance Quotes in Nevada
Cheapest car insurance quotes with a ticket: State Farm
State Farm has the best car insurance rates for Nevada drivers with a speeding ticket on their record. Its average rate is $118 per month for full coverage insurance, or $1,422 per year — 57% below average. In Nevada, a single speeding ticket will increase your insurance rates by up to 24% on average.
Company | Monthly rate |
|---|---|
| State Farm | $118 |
| Progressive | $228 |
| Geico | $265 |
| American Family | $267 |
| Allstate | $281 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance after an accident: State Farm
If you're a Nevada resident who has recently been in an at-fault car accident, we recommend considering State Farm for affordable full coverage car insurance. Quotes for Nevada drivers who have caused an accident average $4,085 per year. However, State Farm's average rate is 62% lower at just $1,542.
Company | Monthly rate |
|---|---|
| State Farm | $128 |
| Progressive | $271 |
| Geico | $322 |
| Allstate | $349 |
| American Family | $411 |
*USAA is only available to current and former military members and their families.
Average rates for a full coverage policy increase by about $1,449 a year after an at-fault accident. However, insurers penalize accidents to different degrees. The most expensive insurer, AAA, increases rates by close to $3,000. On the other hand, State Farm raises rates by only $240.
Cheapest car insurance after a DUI: State Farm
DUIs raise average annual quotes in Nevada by 67%. State Farm has the best rates for Nevada drivers with a DUI on their record. The company's average rate is 35% more affordable than the state average at $2,877 a year for full coverage.
Company | Monthly rate |
|---|---|
| State Farm | $240 |
| Progressive | $246 |
| Allstate | $346 |
| Geico | $402 |
| American Family | $441 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with poor credit: State Farm
State Farm also offers the best quotes for Nevada drivers with a low credit score. The state average is $3,840 annually, but State Farm's rate is $1,496 cheaper at $2,344 per year for full coverage.
Company | Monthly rate |
|---|---|
| State Farm | $195 |
| Progressive | $229 |
| Geico | $253 |
| American Family | $304 |
| Allstate | $389 |
*USAA is only available to current and former military members and their families.
Your credit score might not have anything to do with your driving ability, but it can impact your car insurance rates in most states. Auto insurance for drivers with poor credit is 46% more expensive than for drivers with average credit in Nevada.
Cheapest car insurance for young drivers in Nevada: State Farm
If you're a young driver in Nevada looking to keep your rates low, consider State Farm. Minimum coverage rates from State Farm are 50% cheaper than average, and full coverage rates are 57% cheaper than average.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $183 | $332 |
| Geico | $232 | $461 |
| AAA | $338 | $860 |
| Allstate | $417 | $900 |
| Progressive | $430 | $948 |
*USAA is only available to current and former military members and their families.
The average cost of minimum coverage car insurance for young Nevadan drivers is $4,392 per year, or $366 per month — nearly four times more expensive than it is for older drivers. Young drivers statistically get into more accidents than older drivers, making them more costly for insurers to cover.
Cheapest car insurance quotes for teen drivers with a ticket: State Farm
State Farm also has the best rates for young Nevada drivers with a speeding ticket on their record. Minimum coverage auto insurance from State Farm is 51% cheaper than the average.
Insurance quotes for an 18-year-old driver with a speeding ticket are about 15% more expensive than rates for a driver of the same age with a clean record in Nevada. However, State Farm only increases rates by 11%, or $245 a year.
Company | Monthly rate |
|---|---|
| State Farm | $204 |
| Geico | $307 |
| Progressive | $452 |
| AAA | $462 |
| Allstate | $479 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers after an accident: State Farm
State Farm also has the best minimum coverage quotes for young drivers with an accident. The company's average annual premium is $2,691, which is 53% lower than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $224 |
| Geico | $381 |
| Progressive | $482 |
| Allstate | $521 |
| AAA | $652 |
*USAA is only available to current and former military members and their families.
Young drivers in Nevada already pay expensive rates for auto insurance, but an accident will cause quotes to increase 31% on average, from $4,392 to $5,771.
Cheapest Nevada quotes for married drivers: State Farm
Married drivers in Nevada can benefit from a small savings — about 6% on average — on their car insurance quotes compared to single or unmarried drivers. State Farm does not cut rates for married drivers but still has the best quotes for full coverage car insurance at $1,302 per year.
Company | Monthly rate |
|---|---|
| State Farm | $108 |
| Progressive | $142 |
| Geico | $224 |
| American Family | $224 |
| Allstate | $244 |
*USAA is only available to current and former military members and their families.
Best car insurance companies in Nevada
The best insurer in Nevada is USAA based on its high rating from our editors, excellent financial stability marks and top J.D. Power customer satisfaction score.
State Farm also received strong scores across the board and is a good choice for drivers who don't qualify for USAA.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| State Farm | 847 | A++ | |
| AAA | 800 | A | |
| American Family | 850 | A | |
| Geico | 829 | A++ | |
| Farmers | 802 | A | |
| Progressive | 835 | A+ | |
| Allstate | 822 | A+ | |
| USAA* | 863 | A++ |
*USAA is only available to current and former military members and their families.
The ratings USAA and State Farm received from J.D. Power indicate that both have an excellent customer service reputation. J.D. Power ranks companies on customer satisfaction with the auto claims process.
AM Best awarded all the companies we researched a financial strength rating of A or better, indicating an "Excellent" or "Superior" ability to pay out claims.
Average car insurance cost in Nevada by city
Full coverage auto insurance quotes in Nevada can vary by over $1,800 per year, depending on where you live.
The cheapest car insurance quotes in the state are in Fallon and Yerington, where rates are 31% less than the average price statewide. Drivers in Winchester pay the highest rates in the state — 38% above average.
City | Average monthly cost | Percent from average |
|---|---|---|
| Alamo | $173 | -21% |
| Amargosa Valley | $187 | -15% |
| Austin | $158 | -28% |
| Baker | $160 | -27% |
| Battle Mountain | $154 | -30% |
Minimum requirements for auto insurance coverage in Nevada
Nevada requires drivers to have a minimum amount of liability coverage on their auto insurance policies. These minimum insurance limits pay for the other driver's damage and injuries and are as follows:
Liability | Minimum coverage |
|---|---|
| Bodily injury (BI) | $25,000 per person and $50,000 per accident |
| Property damage (PD) | $20,000 per accident |
Frequently asked questions
Who has the cheapest car insurance in Nevada?
State Farm has the lowest rates for Nevada drivers at $640 a year for minimum coverage insurance and $1,302 a year for full coverage.
How much is car insurance in Nevada?
The average annual price of car insurance in Nevada is $95 per month, or $1,138 per year, for minimum coverage. The average cost for full coverage is $220 per month, or $2,636 per year.
Is car insurance cheaper in Nevada?
Nevada is one of the most expensive states for car insurance. Nevada ranks as the fifth most expensive state for both a minimum coverage and full coverage policy. This is in part 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, meaning that the person who causes an accident is responsible for paying for the damage.
How much is car insurance in Las Vegas?
Car insurance rates in Las Vegas are 29% higher than the state average at $3,411 a year for full coverage insurance. Nellis Air Force Base and North Las Vegas have similarly high insurance costs, while the suburbs of Summerlin South ($3,281) and Henderson ($3,019) are slightly less expensive.
Methodology
We collected thousands of quotes from ZIP codes across Nevada for eight of the state's largest insurers using a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
All quotes are based on a full coverage policy and clean driving record unless otherwise noted. Full coverage auto insurance quotes include the following limits:
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum coverage policy, we used the minimum state requirements in Nevada. Quotes for young drivers are based on minimum coverage limits.
Rate data for this study 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.