Best cheap Nevada car insurance
Travelers, State Farm and Geico are the cheapest companies for most people in Nevada.
- Want full coverage? Travelers: $206/mo
- Only need minimum coverage? Travelers: $90/mo
- Want the best service? State Farm: $286/mo
- Have a speeding ticket? Travelers: $258/mo
- Caused an accident? State Farm: $286/mo
- Need coverage for a teen? Geico: $245/mo
- Got a DUI? Travelers: $301/mo
- Have poor credit? Travelers: $336/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest car insurance in Nevada: Travelers and USAA
Travelers, State Farm and USAA have the cheapest rates in Nevada for full coverage car insurance.
- Travelers has the cheapest quotes for most people in Nevada, at an average of $206 per month. However, Travelers’ customer service reviews aren’t very good.
- State Farm is the best choice for most Nevada drivers, as it offers the best mix of affordable rates and reliable customer service. State Farm is $80 per month more than Travelers, but it may be worth it to pay extra for the peace of mind that your insurance company will take good care of you after a crash.
- USAA has the cheapest rates overall, at just $149 per month. However, only military members, veterans and some of their family members can buy car insurance from USAA.
Find Cheap Car Insurance Quotes in Nevada
Best cheap full coverage car insurance in Nevada
Company | Monthly rate |
|---|---|
| Travelers | $206 |
| State Farm | $286 |
| Geico | $291 |
| Progressive | $302 |
| USAA* | $149 |
*USAA is only available to current and former military members and their families.
You're probably not alone, as car insurance rates across Nevada jumped 56% between 2022 and 2026.
But you can still save by choosing the right company. Although Travelers has some of the cheapest rates in Nevada, American Family's rates haven't gone up as much. Travelers raised rates by 53% during the past five years, while American Family increased rates by 36%. And Geico doubled rates over that same time period.
This shows how important it is for Nevada drivers to shop around for car insurance every year. The company that offers you the cheapest rates today may not be the most affordable option when your policy renews a year from now.
Data-powered research on Nevada car insurance
Cheapest liability insurance in Nevada: Travelers and USAA
- Travelers has the most affordable rates for liability-only car insurance in Nevada. At $90 per month, coverage from Travelers costs $74 per month less than the Nevada state average.
- USAA has even cheaper rates for military members, veterans and their family members. A minimum liability policy from USAA costs $63 per month. But most civilians can't get USAA car insurance.
Cheap liability car insurance in Nevada
Company | Monthly rate |
|---|---|
| Travelers | $90 |
| Geico | $103 |
| Progressive | $113 |
| State Farm | $131 |
| USAA* | $63 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Nevada
Car insurance savings in Nevada by city
- Travelers offers the largest savings in 94% of cities and towns across Nevada, including Las Vegas and Reno. State Farm is the cheapest company in many of the remaining towns, most of which are around the Nevada National Security Site.
- Winnemucca, a small city in northern Nevada, has the cheapest car insurance quotes in the state. The average cost of car insurance in Winnemucca is $216 per month for a full coverage policy.
- Sunrise Manor, a community near Nellis Air Force Base, has the most expensive quotes in Nevada. People living in Sunrise Manor pay around $492 per month for car insurance. That's likely because of the high property crime rates in the area.
Find Cheap Car Insurance Quotes in Nevada
Cheapest Nevada auto insurance quotes by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Las Vegas | $448 | Travelers | $262 |
| Henderson | $384 | Travelers | $237 |
| North Las Vegas | $452 | Travelers | $248 |
| Reno | $268 | Travelers | $178 |
| Sparks | $268 | Travelers | $183 |
| Carson City | $234 | Travelers | $150 |
| Fernley | $240 | Travelers | $152 |
| Mesquite | $278 | Travelers | $147 |
| Elko | $233 | Travelers | $153 |
| Alamo | $258 | Travelers | $157 |
| Amargosa Valley | $286 | Travelers | $189 |
| Austin | $231 | Travelers | $164 |
| Baker | $239 | Travelers | $156 |
| Battle Mountain | $219 | Travelers | $136 |
| Beatty | $267 | State Farm | $197 |
| Blue Diamond | $372 | Key Insurance | $268 |
| Boulder City | $331 | Travelers | $205 |
| Bunkerville | $269 | Travelers | $154 |
| Cal Nev Ari | $285 | Travelers | $174 |
| Caliente | $266 | Travelers | $150 |
| Carlin | $228 | Travelers | $154 |
| Cold Springs | $264 | Travelers | $174 |
| Coyote Springs | $342 | State Farm | $224 |
| Crescent Valley | $232 | Travelers | $155 |
| Crystal Bay | $262 | Travelers | $168 |
| Dayton | $229 | Travelers | $148 |
| Deeth | $237 | Travelers | $158 |
| Denio | $232 | Travelers | $163 |
| Duckwater | $237 | Travelers | $153 |
| Dyer | $244 | Travelers | $156 |
| East Valley | $235 | Travelers | $158 |
| Ely | $230 | Travelers | $151 |
| Empire | $244 | Travelers | $179 |
| Enterprise | $430 | Travelers | $255 |
| Eureka | $232 | Travelers | $157 |
| Fallon | $242 | State Farm | $179 |
| Fallon Station | $222 | Travelers | $135 |
| Fish Springs | $235 | Travelers | $158 |
| Gabbs | $234 | Travelers | $152 |
| Gardnerville | $236 | Travelers | $156 |
| Gardnerville Ranchos | $236 | Travelers | $155 |
| Genoa | $245 | Travelers | $159 |
| Gerlach | $238 | Travelers | $154 |
| Glenbrook | $266 | Travelers | $172 |
| Golconda | $223 | Travelers | $135 |
| Golden Valley | $266 | Travelers | $161 |
| Goldfield | $252 | Travelers | $153 |
| Hawthorne | $231 | Travelers | $155 |
| Hiko | $260 | Travelers | $154 |
| Imlay | $228 | Travelers | $137 |
| Incline Village | $264 | Travelers | $172 |
| Indian Hills | $238 | Travelers | $152 |
Best car insurance in Nevada: State Farm
-
Full coverage rate$286/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
-
Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A++ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Nevada based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Nevada
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest NV auto insurance with a ticket: Travelers
Travelers has the best car insurance rates for Nevada drivers with a recent speeding ticket. At $258 per month for full coverage, Travelers could save you 36% after a ticket compared to the state average.
Affordable car insurance quotes in NV after a speeding ticket
Company | Monthly rate |
|---|---|
| Travelers | $258 |
| State Farm | $312 |
| Key Insurance | $370 |
| Progressive | $393 |
| USAA* | $185 |
*USAA is only available to current and former military members and their families.
In Nevada, one speeding ticket will raise your insurance rates by an average of 21%. That's about $70 more per month for a full coverage policy.
Cheap auto insurance in NV after an accident: State Farm
- State Farm has the cheapest quotes in Nevada after an at-fault car accident. A full coverage policy from State Farm costs around $286 per month after an accident. That's a 4% savings compared to the Nevada state average.
- Travelers also offers very affordable car insurance after an accident, at $289 per month. However, Travelers' customer service isn't great. State Farm has much better customer reviews, which makes it a better choice for most people.
Best auto insurance quotes in Nevada after an accident
Company | Monthly rate |
|---|---|
| State Farm | $286 |
| Travelers | $289 |
| Key Insurance | $421 |
| Progressive | $471 |
| USAA* | $212 |
*USAA is only available to current and former military members and their families.
Nevada drivers with an accident on their record pay an average of $475 per month for full coverage. That's $140 per month more than drivers with clean records pay for the same coverage.
Don't rush to switch car insurance companies right after an accident. Your insurance rates won't go up until your current policy renews.
Once you get your renewal paperwork with your new rates, you should compare quotes from multiple companies. It's the best way to find the cheapest insurance after your accident.
Low-cost auto insurance in Nevada for teens: Geico
Geico has the cheapest quotes for young drivers in Nevada.
- Minimum liability insurance from Geico costs $245 per month for an 18-year-old driver with their own policy. That's a 56% savings compared to the Nevada state average.
- Geico also has the cheapest full coverage rates for teens. A full coverage policy costs $563 per month, so choosing Geico could save teens 45% compared to the state average.
Cheap NV car insurance rates for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $245 | $563 |
| Travelers | $283 | $575 |
| Progressive | $408 | $1,044 |
| Mendota | $414 | $978 |
| USAA* | $175 | $375 |
*USAA is only available to current and former military members and their families.
Teen drivers in Nevada pay around three and a half times more for car insurance than 30-year-old drivers.
Best in NV for teens after a ticket or an accident: Geico
Geico has the cheapest rates for Nevada teens with a speeding ticket or an at-fault accident on their record.
- Speeding ticket: A minimum liability policy from Geico costs $344 per month for an 18-year-old driver after one speeding ticket. That's a 46% savings compared to the Nevada state average.
- Accident: Geico charges teens with an accident around $411 per month for minimum liability coverage. So choosing Geico could save you 44% after an accident compared to the state average.
Cheap car insurance in NV for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $344 | $411 |
| Travelers | $360 | $427 |
| Mendota | $411 | $517 |
| Progressive | $438 | $473 |
| USAA* | $252 | $303 |
*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 still cause liability-only quotes to go up by 32%, on average. That's a difference of $176 per month.
Insurance quotes for an 18-year-old driver with a speeding ticket are about $78 per month more expensive than rates for a young driver with a clean record in Nevada.
Affordable car insurance in Nevada after a DUI: Travelers
Travelers and USAA have the best rates for Nevada drivers with a recent DUI. Both companies charge around $301 per month for full coverage after a DUI. That's a 41% savings compared to the Nevada average. However, only military members, veterans and some of their family members can get insurance from USAA.
Best car insurance rates in Nevada after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $301 |
| Progressive | $431 |
| Key Insurance | $458 |
| Mendota | $487 |
| USAA* | $301 |
*USAA is only available to current and former military members and their families.
One DUI raises full coverage insurance quotes in Nevada by $179 per month, on average.
- Change how you pay your bill. Many companies offer discounts for paying your annual bill up front, signing up for automatic payments or bundling your auto and home insurance.
- Get rid of coverage you don't need. For example, comprehensive and collision coverage, which protects your vehicle, may not be worth it if your car is more than 8 years old or worth less than $5,000.
- Raise your deductible. If you have a loan or lease and are required to have comprehensive and collision coverage, you can save money by raising your deductible. Just make sure you choose a deductible you can easily pay after a crash.
- Sign up for a safe driving program. Many companies offer large discounts if you allow them to track your driving and you display safe habits, like staying within the speed limit or not driving at night.
Cheap insurance in Nevada for drivers with poor credit: Travelers
Travelers has the cheapest auto insurance in Nevada for drivers with low credit scores. At $336 per month for full coverage, choosing Travelers could save you 42% compared to the state average.
Company | Monthly rate |
|---|---|
| Travelers | $336 |
| Key Insurance | $370 |
| Mendota | $442 |
| Geico | $454 |
| USAA* | $262 |
*USAA is only available to current and former military members and their families.
Nevada drivers with poor credit pay $240 per month more for full coverage than those with good credit.
Your credit score doesn't have anything to do with your driving ability. But, as in most states, a low credit score can negatively impact your car insurance quotes in Nevada.
That's because insurance companies believe drivers with poor credit are more likely to file claims in the future.
Is your car insurance company raising rates in Nevada in 2026?
Many major car insurance companies are raising rates in Nevada in 2026, despite it already being the most expensive state for car insurance in the country.
- ↑ Biggest increase: AAA at +8.0%
- ↑ 2nd biggest increase: American Family at +7.3%
- ↑ 3rd biggest increase: Allstate at +4.9%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| AAA | ↑ 8.0% | ↑ 48.6% |
| American Family | ↑ 7.3% | ↑ 36.2% |
| Allstate | ↑ 4.9% | ↑ 74.6% |
| Geico | ↑ 3.1% | ↑ 100.8% |
| Liberty Mutual | ↑ 3.1% | ↑ 42.2% |
| State Farm | ↑ 2.7% | ↑ 72.3% |
| Farmers | ↑ 1.0% | ↑ 46.6% |
| Progressive | 0.0% | ↑ 58.4% |
| Travelers | 0.0% | ↑ 52.8% |
| USAA | 0.0% | ↑ 23.3% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What to do if your rates went up in Nevada
Don't panic and switch companies just because your insurance bill went up. Even the companies that haven't yet had an increase in 2026 still tend to raise their car insurance rates over time.
For example, as of July, Progressive hasn't raised its car insurance rates in 2026. But Progressive customers have seen their rates increase by over 58% during the last five years.
In comparison, the company with the biggest rate hike so far this year, AAA, raised rates by 49% over the same time period. That's less than the state average.
If your car insurance bill went up in Nevada, there are a few things you can do to lower your rates.
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Shop for quotes from the cheapest companies in Nevada, including Travelers, State Farm and Geico.
The most expensive company for full coverage insurance in Nevada charges twice as much as the cheapest company. That could amount to a savings of more than $3,400 per year.
-
Find a company that offers lots of discounts you qualify for. Most companies offer discounts for bundling home or renters insurance or paying your annual bill up front, which can save you a lot of money.
But some companies also offer less common discounts. For instance, you could save money with Travelers if you drive a hybrid vehicle or buy a new car that's less than 3 years old.
- Before you switch, make sure you're taking advantage of all of the discounts your current company offers. Many companies offer discounts based on the number of years you've had a policy with them, and these discounts aren't always automatically applied to your policy. It's worth calling an agent to ensure you're getting every discount you qualify for.
What is the Nevada minimum insurance requirement?
Nevada requires drivers to have minimum liability limits of 25/50/20. This coverage pays for the other driver's injuries and damage to their car or property.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage: $20,000 per accident
Driving without car insurance in Nevada is considered a misdemeanor. If caught without it, you'll have to pay a fine ranging from $250 to $1,750, and you could lose your driver's license and be required to file an SR-22 certificate.
Potential fines and penalties for driving without insurance in NevadaFirst offense:
- Days 1-30: $250 fee
- Days 31-90: $250 fee + $250 fine
- Days 91-180: $250 fee + $500 fine + SR-22 certificate for three years
- Days 181+: $250 fee + $1,000 fine + SR-22 certificate for three years
Second offense:
- Days 1-30: $500 fee
- Days 31-90: $500 fee + $500 fine
- Days 91-180: $500 fee + $500 fine + SR-22 certificate for three years
- Days 181+: $500 fee + $1,000 fine + SR-22 certificate for three years
Third and subsequent offenses:
-
Fees:
- Days 1-30: $750 fee
- Days 31-90: $750 fee + $500 fine
- Days 91-180: $750 fee + $750 fine
- Days 181+: $750 fee + $1,000 fine
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Other penalties:
- SR-22 certificate for three years
- Driver's license suspension for a minimum of 30 days, $75 reinstatement fee
Is Nevada a no-fault state?
Nevada is not a no-fault state for car insurance — as such, the person who causes an accident will be responsible for paying for the damage.
What's the best car insurance coverage for Nevada drivers?
Full coverage car insurance is the best choice for most drivers in Nevada.
That's because full coverage includes comprehensive and collision coverage along with liability insurance.
- Collision coverage pays for damage to your car in an accident, regardless of whose fault it is.
- Comprehensive coverage pays for damage from other events, such as a fallen tree branch or a hailstorm.
Full coverage is an especially good idea if your car is worth more than $5,000 or is newer than 8 years old. If you have a car loan or lease, your lender typically requires full coverage.
Full coverage car insurance in Nevada costs twice as much as minimum liability coverage. However, minimum coverage in Nevada only pays for the other driver's injuries and property damage — it doesn't include protection for damage to your own vehicle.
Frequently asked questions
What is the cheapest car insurance in Nevada?
Travelers has the cheapest car insurance in 2026 for Nevada drivers. You'll pay an average of $206 per month for a full coverage policy and $90 per month for minimum liability insurance. That's 39% and 45% cheaper than the Nevada state average, respectively.
How much is car insurance in Nevada per month?
The average cost of car insurance in Nevada is $335 per month for a full coverage policy. That's $127 per month more than the national average, which makes Nevada the most expensive state for full coverage insurance. This may be in part because Nevada has very high auto theft rates compared to the national average, according to the FBI.
Why are Nevada insurance rates so high?
Nevada is the most expensive state for both full coverage and minimum liability car insurance. The state's large number of car thefts plus a high number of drivers on the road, especially in cities like Las Vegas and Reno, are just a couple of reasons for the high rates in Nevada.
How much is car insurance in Las Vegas?
Car insurance in Las Vegas costs $448 per month for full coverage. That's 34% more than the Nevada average. Drivers living in North Las Vegas pay around $452 per month, while the suburb of Henderson is less expensive, at $384 per month.
How much is auto insurance in Reno, NV?
Reno auto insurance costs an average of $268 per month for a full coverage policy. That's $67 per month less than the statewide average and $180 per month less than the cost of car insurance in Las Vegas.
Methodology
To find the best auto insurance in Nevada, ValuePenguin collected thousands of quotes from ZIP codes across NV from the state's largest insurance companies. Rates are for a 30-year-old man with a 2018 Honda Civic EX, good credit and a clean driving record.
Quotes are for a full coverage policy with comprehensive and collision coverage along with higher liability limits than the state requirement to avoid penalties.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
Rate data was collected from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes will differ.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Nevada Division of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
