Who Has the Cheapest Car Insurance Quotes in Nevada?

Find Cheap Auto Insurance Quotes in Your Area

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The average cost of a minimum-coverage car insurance policy is $1,295 per year in Nevada. It's one of the most expensive states in the nation for car insurance, but rates will vary greatly depending on your coverage, location and driver profile. For instance, Las Vegas has some of the most expensive rates in the state.

Read on for our recommendations for the best and cheapest auto insurers in Nevada based on an analysis of a sample driver. You can also enter your ZIP code above to start the comparison shopping process and find cheap rates.

Cheapest auto insurance companies in Nevada for minimum coverage

If you want the absolute cheapest car insurance policy, you should opt for minimum liability coverage, which is the lowest amount of protection allowed by Nevada state law. For our sample driver, the cheapest minimum coverage policies were offered by:

  • State Farm
  • Progressive
  • American Family Insurance

These three low-cost auto insurers cost $1,027 per year on average, which is 21% cheaper than the state average of $1,295 per year.

This graph compares the cheapest insurers in Nevada against the average cost of insurance.
This graph compares the cheapest insurers in Nevada against the average cost of insurance.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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USAA is also a very affordable option for Nevada residents who have a military background.

Shoppers should be aware that these policies offer limited protection compared to policies with higher liability limits and comprehensive and collision insurance. Consult the table below for the cost of a minimum-coverage policy for all our sample insurers.

Your own quote may differ based on a variety of factors. Nevada residents should always shop around for quotes to find the cheapest insurers for them.

RankCompanyAnnual premium
1State Farm$891
2Progressive$959
3American Family$1,232
4CSAA$1,264
5GEICO$1,484
6Allstate$1,649
7Farmers$2,270
N/AUSAA$614
USAA was not ranked given its eligibility requirements.

Cheapest full-coverage car insurance in Nevada: State Farm

Nevada doesn't require drivers to have collision and comprehensive insurance, the core protections of a full-coverage policy. Adding collision and comprehensive insurance will also add to your costs, but it protects against the cost of damage to your own vehicle. Liability insurance covers the costs of damage and injury to others when you're at fault.

State Farm is the cheapest insurer in Nevada for a full-coverage policy, too. For our sample driver, it was much cheaper on average than the next closest competitors, Progressive and American Family Insurance.

In Nevada, the average cost of a sample full-coverage policy for our driver was $3,190 per year.

  • State Farm gave our sample driver an average quote of $1,790 per year for full coverage with State Farm.
  • Progressive charged our sample driver $2,065 per year. This insurer and State Farm were the two companies most likely to provide notable savings.
  • American Family ranked third but was much more expensive than Progressive at $2,727 per year.

Fort those who qualify, USAA was also a very affordable option. Our sample driver paid $1,648 per year on average.

Why buy full coverage instead of a minimum-coverage policy? Comprehensive and collision insurance protect the cost of damage to your car from on and off-road events. For example, if you crash into a tree, there is no other driver at-fault, but collision insurance will cover you. If hail damages your windows, comprehensive insurance will cover you.

Buying comprehensive and collision insurance is only worth it if your car has actual value. If the cost of this insurance plus your deductible exceeds the estimated value of your car, it's probably not worth it.

If you leased or financed your car, your lender will often require you to buy a full-coverage policy.

Cheapest full-coverage car insurance in Nevada after an accident: State Farm

Nevada drivers with accidents or traffic violations in their history tend to pay more for car insurance.

When our sample driver had an accident history, State Farm was once again the cheapest insurer on average.

The company already had low rates for a clean driving record, and it also penalized our driver less than any other company, including USAA.

Our sample insurers raised rates an average of 52% when our sample driver got into an accident. State Farm only raised rates 19%, and USAA was the next most forgiving insurer with a 35% rate increase.

RankCompanyRate after accidentRate before accidentDifference
1State Farm$2,126$1,790$336
2Progressive$3,424$2,065$1,359
3American Family$5,005$2,727$2,278
4GEICO$5,144$3,227$1,917
5Allstate$5,751$4,141$1,611
6CSAA$6,879$4,176$2,703
7Farmers$8,403$5,745$2,658
N/A*USAA$2,223$1,648$576
The accident was the sample driver's fault and caused $2,000 in property damage. USAA was not ranked as not all drivers are eligible.

Best car insurance companies in Nevada

It's great to get affordable car insurance, but you'll want great customer service, too. In the event you actually make a claim with your insurance company, you could be on the hook for serious damage, and you'll want to make sure it's resolved in a timely and efficient manner.

We measured the best insurers in Nevada in two ways: our national consumer survey and customer complaint data.

Based on our national survey, the best major Nevada insurers are:

  • USAA
  • Allstate

Based on customer complaint data, the best major Nevada insurers are:

  • State Farm
  • Travelers

Read on to see how these insurers stack up and the difference between these two measures of quality.

Best insurance company based on ValuePenguin survey: USAA

ValuePenguin commissioned an online survey to gauge consumer satisfaction on some of the biggest insurance companies in the country, and many of them operate in Nevada.

Consumers were surveyed on a variety of factors, and we focused on general satisfaction with customer service and the claims experience specifically.

Averaging these two factors, USAA came out on top. Of the surveyed policyholders, 62% said customer service is excellent and 78% were extremely satisfied with their most recent claim. Allstate ranked a distant second, as 47% said customer service is excellent and 72% were satisfied with their most recent claim.

RankCompany% who say customer service is excellent% extremely satisfied with most recent claimAverage customer satisfaction
1USAA62%78%70%
2Allstate47%72%60%
3State Farm46%73%60%
4Progressive34%74%54%
5GEICO42%65%54%
6AAA (CSAA Group)32%44%38%
N/AAmerican Family InsuranceN/AN/AN/A
N/AFarmersN/AN/AN/A
*American Family Insurance and Farmers customers were not included in survey results due to limited data.

Best insurance company based on customer complaint rate: State Farm

Another way to measure the best insurance company is using the rate at which customers file an official complaint. If consumers file complaints at a low rate — adjusted for the size of the company — it's more likely to provide good service.

Based on complaint rate, the best-rated Nevada insurers for customer service are State Farm, Travelers and GEICO.

RankCompanyMarket shareComplaint Index
1 (tie)State Farm15.8%0.57
1 (tie)Travelers2.4%0.57
3GEICO14.0%0.62
4Allstate8.3%0.69
4American Family Insurance2.9%0.69
6USAA5.5%0.83
7Progressive10.8%0.91
8Farmers Insurance7.2%0.97
9Liberty Mutual4.7%1.18
10CSAA Insurance4.5%1.36
The Complaint Index is from the National Association of Insurance Commissioners. We included all insurers from our survey and added any other insurers in the top 10 of market share. The Complaint Index was taken from the largest individual company (measured by premiums written) under an insurance group.

The Complaint Index is drawn from the National Association of Insurance Commissioners and indicates how often consumers filed a complaint compared to the national median of 1.0.

For example, consumers complained about Farmers Insurance at about the national median rate, 0.97. But consumers filed far more complaints about Liberty Mutual and CSAA, both with indices above 1.0.

Minimum auto insurance requirements in Nevada

In Nevada and most other states, you're required to purchase a certain amount of car insurance coverage to drive legally. This is called minimum coverage, and the amount needed differs by state.

The minimum required coverage limits for Nevada drivers are:

  • Bodily injury liability insurance: $25,000 per person and $50,000 per accident
  • Property damage liability insurance: $20,000 per accident

With these coverage limits, you'll be compliant with Nevada law. But if you're at fault for a major accident, you might not have enough coverage. We generally recommend Nevada drivers buy enough liability insurance to cover their net worth. That way you'll be covered in full if you're sued to cover property damage, medical bills or lost wages of another driver.

If you own a valuable car, you might also want to consider a full-coverage policy. The comprehensive and collision insurance protects your car against the cost of damage on and off the road.

Cheapest car insurance rates: By city

Where you live can be a huge factor in determining car insurance rates, and that's especially true in Nevada. We looked at the 50 most populous cities or census-designated places in Nevada and found that for the exact same driver and with an identical full-coverage policy, the cheapest city was about half the price as the most expensive one.

And different insurance companies place varying degrees of importance on location. Below, we've noted the cheapest three insurance companies for these 50 cities. Across all locations, State Farm, Progressive and USAA were almost always the most affordable option for our sample driver.

CityCompanyAnnual premium
Battle MountainState Farm$1,289
Progressive$1,413
USAA$1,424
Boulder CityState Farm$1,625
USAA$1,667
Progressive$1,841
BunkervilleProgressive$1,276
State Farm$1,420
USAA$1,493
CalienteState Farm$1,327
USAA$1,478
Progressive$1,951
CarlinState Farm$1,240
USAA$1,454
Progressive$1,614
Carson CityUSAA$1,393
State Farm$1,422
Progressive$1,612
Cold SpringsState Farm$1,508
USAA$1,531
Progressive$1,857
DaytonState Farm$1,305
USAA$1,482
Progressive$1,550
East ValleyUSAA$1,416
State Farm$1,433
Progressive$1,522
ElkoState Farm$1,284
Progressive$1,419
USAA$1,454
ElyState Farm$1,237
USAA$1,478
Progressive$1,487
EnterpriseUSAA$1,963
State Farm$2,452
Progressive$2,808
FallonState Farm$1,204
USAA$1,250
Progressive$1,510
FernleyState Farm$1,274
USAA$1,440
Progressive$1,658
GardnervilleUSAA$1,416
State Farm$1,421
Progressive$1,584
Golden ValleyUSAA$1,531
State Farm$1,668
Progressive$1,907
HawthorneState Farm$1,277
USAA$1,424
Progressive$1,658
HendersonUSAA$1,817
State Farm$2,176
Progressive$2,412
Incline VillageUSAA$1,527
State Farm$1,713
Progressive$1,921
Indian HillsState Farm$1,411
USAA$1,441
Progressive$1,616
JackpotState Farm$1,359
Progressive$1,416
USAA$1,454
KingsburyUSAA$1,459
Progressive$1,638
State Farm$1,753
Las VegasUSAA$1,940
State Farm$2,486
Progressive$2,771
LaughlinState Farm$1,494
USAA$1,566
Progressive$1,584
LovelockState Farm$1,237
Progressive$1,393
USAA$1,527
McGillState Farm$1,218
USAA$1,478
Progressive$1,557
MesquiteProgressive$1,358
State Farm$1,502
USAA$1,770
Moapa ValleyUSAA$1,667
State Farm$1,772
Progressive$1,807
MogulUSAA$1,480
State Farm$1,559
Progressive$1,749
Nellis AFBUSAA$1,502
State Farm$2,694
Progressive$2,739
North Las VegasUSAA$1,866
State Farm$2,256
Progressive$2,671
PahrumpUSAA$1,478
State Farm$1,519
American Family$2,172
ParadiseUSAA$2,027
Progressive$2,724
State Farm$2,801
RenoUSAA$1,503
State Farm$1,526
Progressive$1,858
Silver SpringsState Farm$1,280
USAA$1,482
Progressive$1,620
Spanish SpringsUSAA$1,526
State Farm$1,634
Progressive$1,833
SparksState Farm$1,509
USAA$1,511
Progressive$1,887
Spring CreekState Farm$1,309
Progressive$1,429
USAA$1,454
Spring ValleyUSAA$1,973
State Farm$2,604
Progressive$3,048
Summerlin SouthUSAA$1,942
State Farm$2,289
Progressive$2,814
Sun ValleyUSAA$1,545
State Farm$1,576
Progressive$1,909
Sunrise ManorUSAA$1,953
Progressive$2,875
State Farm$2,959
TonopahState Farm$1,231
USAA$1,478
Progressive$1,505
Topaz Ranch EstatesState Farm$1,411
USAA$1,424
Progressive$1,536
VerdiUSAA$1,479
Progressive$1,536
State Farm$1,548
Washoe ValleyUSAA$1,491
State Farm$1,564
Progressive$1,670
WellsState Farm$1,212
Progressive$1,385
USAA$1,454
West WendoverState Farm$1,280
USAA$1,454
Progressive$1,634
WinnemuccaState Farm$1,222
Progressive$1,351
USAA$1,527
YeringtonState Farm$1,228
USAA$1,424
Progressive$1,548

If you want more insight on how insurers change prices by location, we've provided some analysis on the biggest cities or census-designated places in Nevada below.

Auto insurance in Las Vegas, Nevada

  • Average annual cost = $4,260
  • 34% more expensive than the Nevada average

Cheap auto insurance in Las Vegas is hard to come by. Every insurer in our sample was more expensive than its average price for the state as a whole. For example, the USAA premium was 18% more expensive than its premium for all of Nevada, and the Farmers premium cost 41% more in Las Vegas compared to the whole state.

More densely populated areas tend to have higher car insurance rates due to higher chances of an accident. Las Vegas — and surrounding locations like Henderson, Paradise and North Las Vegas — represent the most densely populated area of the state.

Auto insurance in Henderson, Nevada

  • Average annual cost = $3,774
  • 18% more expensive than the Nevada average

The second largest city in Nevada — and Las Vegas' neighbor — is unsurprisingly a pricy location to buy auto insurance. USAA is the cheapest option available for those who are eligible, at an average cost of $1,817 per year.

Auto insurance in Reno, Nevada

  • Average annual cost = $2,757
  • 14% less expensive than the Nevada average

Reno is the third biggest city in the state, but it's outside of the Las Vegas orbit and has comparatively cheaper rates. Per usual, USAA is the cheapest insurer on average ($1,503 per year), but State Farm is extremely competitive, too ($1,526 per year).

The insurer with the biggest discount in Reno is Allstate. At $3,181 per year, it's still not cheap, but it's 23% cheaper than it is elsewhere in Nevada.

Auto insurance in Paradise, Nevada

  • Average annual cost = $4,509
  • 41% more expensive than the Nevada average

Paradise is a census-designated place in Nevada, and one of the most populated areas in the state. Among major cities or census-designated places, it is the second most expensive location in the entire state for car insurance after Spring Valley.

American Family is usually one of the more affordable options in the state, but in Paradise its rates jump by 57% compared to its average. Shoppers looking for a deal should seek out USAA or Progressive.

Auto insurance in North Las Vegas, Nevada

  • Average annual cost = $4,195
  • 32% more expensive than the Nevada average

Our final city is just north of Paradise: North Las Vegas. Another city in the greater Las Vegas area, North Las Vegas has similarly high rates to its southern neighbor.

Every insurer in our sample had higher rates than their state averages. USAA and GEICO penalized drivers the least for living in this area, with rates 13% and 19% higher than the state average, respectively.

Average cost of car insurance in Nevada: By city

In Nevada — one of the most expensive states for car insurance in the country — the average cost of a minimum-coverage policy is $1,295 per year. The average cost of a full-coverage policy is $3,190 per year.

These rates are an average of our sample insurers across thousands of ZIP codes. However, it simply represents the average cost for our sample driver. Your costs may differ greatly based on age, location, driving history and more.

Below we've ranked the 50 most populous cities or census-designated places in the state by the average cost of a full-coverage policy. Fallon is the cheapest location, while Spring Valley is the most expensive.

RankCityAverage annual premium
1Fallon$2,279
2Wells$2,313
3Yerington$2,325
4Jackpot$2,333
5Winnemucca$2,339
6Battle Mountain$2,342
7Silver Springs$2,343
8West Wendover$2,347
9Dayton$2,354
10Fernley$2,365
11Carlin$2,379
12Elko$2,385
13Spring Creek$2,391
14Topaz Ranch Estates$2,394
15Lovelock$2,397
16Ely$2,419
17McGill$2,420
18Hawthorne$2,420
19Gardnerville$2,441
20Carson City$2,455
21Indian Hills$2,471
22Tonopah$2,479
23East Valley$2,491
24Washoe Valley$2,549
25Cold Springs$2,643
26Verdi$2,653
27Spanish Springs$2,654
28Bunkerville$2,667
29Golden Valley$2,673
30Kingsbury$2,688
31Mogul$2,705
32Incline Village$2,706
33Sparks$2,746
34Caliente$2,748
35Mesquite$2,756
36Reno$2,757
37Sun Valley$2,761
38Laughlin$2,959
39Moapa Valley$3,073
40Pahrump$3,186
41Boulder City$3,320
42Henderson$3,774
43Summerlin South$4,176
44North Las Vegas$4,195
45Enterprise$4,249
46Las Vegas$4,260
47Nellis AFB$4,265
48Sunrise Manor$4,389
49Paradise$4,509
50Spring Valley$4,602

Methodology

Our prices were drawn from across more than 180 Nevada ZIP codes. Quotes were for a sample 30-year-old male driving a 2015 Honda Civic EX. This driver had a credit score that was below average.

The analysis describes prices for this driver with a minimum-coverage policy adhering to Nevada law, a full-coverage policy and a full-coverage policy after they've been in an accident. The limits for the full-coverage policy were as follows:

Coverage typeStudy limits
Bodily liability$50,000 per person / $100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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.