Cheapest for: Minimum liability | Full coverage | Prior incidents | Young drivers
Best & Cheapest Car Insurance Quotes in Nevada (2023)
Best & Cheapest Car Insurance Quotes in Nevada (2023)
State Farm has the best cheap car insurance in Nevada at $46 per month for minimum liability coverage.
Best cheap car insurance in Nevada
To determine the best cheap NV car insurance, 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.
Cheapest car insurance quotes in Nevada: State Farm
State Farm has the most affordable rates for minimum coverage car insurance in Nevada. At $46 per month, coverage from State Farm costs 53% less than the Nevada state average.
The average cost of car insurance in Nevada is $97 per month, or $1,164 per year, for minimum liability.
Find Cheap Auto Insurance Quotes in Nevada
Cheapest car insurance in Nevada
Company | Monthly rate | |
|---|---|---|
| State Farm | $46 |
| Geico | $75 |
| Travelers | $76 |
| Progressive | $82 |
| Allstate | $105 |
*USAA is only available to current and former military members and their families.
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 vehicle.
We recommend full coverage auto insurance for most drivers. Full coverage insurance includes comprehensive and collision coverage, which provide protection for your own car, regardless of fault.
Cheapest full coverage car insurance in Nevada: State Farm
State Farm also provides Nevada drivers with the best rates for full coverage auto insurance. A policy from State Farm costs around $98 per month. That's 55% cheaper than the state average of $216 per month.
Company | Monthly rate |
|---|---|
| State Farm | $98 |
| Travelers | $163 |
| Progressive | $174 |
| Geico | $182 |
| Allstate | $215 |
*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. Comprehensive coverage pays for damage from noncollision events, like fallen tree branches or a hailstorm.
We recommend full coverage car insurance for most people— it protects your own vehicle along with 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 $1,431 per year. However, full coverage could save you a lot of money if you're in an accident.
Cheap car insurance quotes for Nevada drivers with prior incidents
State Farm has the cheapest rates for Nevada drivers with a speeding ticket, accident or poor credit, while Travelers has the best rates after a DUI.
Incidents on your driving record, like speeding tickets or DUIs, raise the cost of your auto insurance rates in Nevada. Insurance companies see these incidents as a sign that you're 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 $107 per month for full coverage insurance — 61% below average.
Company | Monthly rate |
|---|---|
| State Farm | $107 |
| Travelers | $207 |
| Progressive | $236 |
| Allstate | $240 |
| Geico | $247 |
*USAA is only available to current and former military members and their families.
In Nevada, a single speeding ticket will increase your insurance rates by 27% on average.
Cheapest car insurance after an accident: State Farm
State Farm has the cheapest quotes for Nevada residents who have recently been in an at-fault car accident. A full coverage policy from State Farm costs around $116 per month, which is 65% cheaper than the Nevada average.
Company | Monthly rate |
|---|---|
| State Farm | $116 |
| Travelers | $230 |
| Progressive | $287 |
| Allstate | $299 |
| Geico | $300 |
*USAA is only available to current and former military members and their families.
Quotes for Nevada drivers who have caused an accident average $334 per month. That's 55% 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 $307 per month. On the other hand, State Farm raises rates by only $18 per month, on average.
Cheapest car insurance after a DUI: Travelers
Travelers has the best rates for Nevada drivers with a DUI on their record. The company's average rate for a full coverage policy is $246 per month. That's 34% more affordable than the state average of $371 per month.
Company | Monthly rate |
|---|---|
| Travelers | $246 |
| Progressive | $250 |
| Allstate | $295 |
| State Farm | $320 |
| Geico | $373 |
*USAA is only available to current and former military members and their families.
DUIs raise insurance quotes in Nevada by 71%, on average.
Cheapest car insurance for drivers with poor credit: State Farm
State Farm offers the cheapest quotes for Nevada drivers with a low credit score. At $198 per month for full coverage, a policy from State Farm is $150 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $198 |
| Progressive | $264 |
| Travelers | $270 |
| Geico | $274 |
| Allstate | $366 |
*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 quotes in Nevada. Insurance for drivers with poor credit is 61% more expensive than for Nevada drivers with good credit.
Cheapest car insurance for young drivers in Nevada: State Farm
Young drivers in Nevada can find the cheapest rates with State Farm.
Minimum coverage rates from State Farm are 53% cheaper than average, and full coverage rates are 57% cheaper than average.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $157 | $297 |
| Geico | $202 | $426 |
| Travelers | $252 | $488 |
| American Family | $360 | $637 |
| Allstate | $436 | $880 |
*USAA is only available to current and former military members and their families.
The average cost of minimum coverage car insurance for 18-year-old Nevadan drivers is $335 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 for teen drivers with a ticket: State Farm
State Farm also has the cheapest rates for young Nevada drivers with a speeding ticket on their record. At $174 per month, minimum coverage auto insurance from State Farm is 58% cheaper than the average.
Company | Monthly rate |
|---|---|
| State Farm | $174 |
| Geico | $267 |
| Travelers | $323 |
| Progressive | $464 |
| Allstate | $501 |
*USAA is only available to current and former military members and their families.
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 11%, or $17 per month.
Cheapest car insurance for young drivers in Nevada after an accident: State Farm
Young drivers with an at-fault accident on their record can find the cheapest car insurance quotes from State Farm. The company's average monthly rate is $192 for minimum coverage, which is 60% lower than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $192 |
| Geico | $331 |
| Travelers | $370 |
| Progressive | $505 |
| American Family | $509 |
*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 14% on average, from an average rate of $335 per month to $475 per month.
Cheapest Nevada quotes for married drivers: State Farm
State Farm has the cheapest car insurance in Nevada for married drivers. A full coverage policy costs $98 per month, on average. However, that's the same amount that unmarried drivers pay with State Farm.
Company | Monthly rate per car |
|---|---|
| State Farm | $98 |
| Progressive | $146 |
| Travelers | $164 |
| Allstate | $209 |
| Geico | $210 |
*USAA is only available to current and former military members and their families.
Married drivers in Nevada usually benefit from a small savings of about 6% on car insurance quotes compared to single or unmarried drivers.
Best car insurance companies in Nevada
The best car insurance company in Nevada is USAA based on its high rating from our 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 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 Fallon, while drivers in Winchester pay the highest rates in the state.
Full coverage auto insurance quotes in Nevada can vary by up to $147 per month, depending on where you live.
People living in Winchester, an unincorporated suburb of Las Vegas, pay around $296 per month for car insurance. Drivers in Fallon can expect to pay $149 per month for the same coverage.
City | Monthly cost | % from average |
|---|---|---|
| Alamo | $177 | -18% |
| Amargosa Valley | $192 | -11% |
| Austin | $161 | -25% |
| Baker | $164 | -24% |
| Battle Mountain | $155 | -28% |
Minimum requirements for auto insurance coverage in Nevada
Nevada requires drivers to purchase minimum liability limits of 25/50/20 for bodily injury liability and property damage liability coverage. This coverage pays for the other driver's damage and injuries.
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 $46 per month for minimum coverage insurance and $98 per month for full coverage.
How much is car insurance per month in Nevada?
The average price of car insurance in Nevada is $97 per month for minimum coverage. A full coverage policy costs around $216 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 fifth 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 $278 per month for full coverage. That's 28% more expensive than the Nevada average. Drivers living on Nellis Air Force Base or in North Las Vegas also pay 28% more than average, while the suburb of Henderson is much less expensive at $241 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 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 |
| Medical payments coverage | $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 unless otherwise noted.
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.