Cheapest Car Insurance Quotes in Nevada (2025)
Travelers has the cheapest car insurance in Nevada, at $167 per month for full coverage.
Find Cheap Car Insurance Quotes in Nevada
Best cheap Nevada car insurance
How we chose the top companies
Best and cheapest car insurance in Nevada
- Cheapest full coverage: Travelers, $167/mo
- Cheapest minimum liability: Travelers, $82/mo
- Cheapest for young drivers: Travelers, $251/mo
- Cheapest after a ticket: State Farm, $209/mo
- Cheapest after an accident: State Farm, $191/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Travelers, $318/mo
- Cheapest after a DUI: Travelers, $246/mo
- Cheapest for poor credit: Travelers, $272/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best mix of cheap rates and great customer service in Nevada. However, it's not typically the cheapest option.
Travelers has the cheapest quotes for most Nevada drivers. But its poor customer service reviews mean it could take longer to get you back on the road after a crash. So it may be worth spending more to get more reliable customer service from State Farm.
Cheapest car insurance in Nevada: Travelers
Travelers has the best rates in Nevada for full coverage insurance.
A full coverage policy from Travelers costs around $167 per month. That's $119 per month less than the state average.
Nevada drivers should also compare quotes from State Farm. At $191 per month, State Farm has the second-cheapest full coverage rates in the state. And it has much better customer service reviews than Travelers.
Find Cheap Car Insurance Quotes in Nevada
The average cost of car insurance in Nevada is $287 per month for a full coverage policy. That's $112 per month more than the national average, which makes Nevada the most expensive state for full coverage insurance. This may be in part because of Nevada's very high auto theft rates compared to other states.
Best cheap full coverage car insurance in Nevada
Company | Monthly rate | |
|---|---|---|
| Travelers | $167 |
| State Farm | $191 |
| Progressive | $227 |
| Geico | $302 |
| Allstate | $306 |
*USAA is only available to current and former military members and their families.
Nevada drivers with military ties can get even cheaper rated at USAA.
A full coverage policy from USAA costs just $161 per month, which is $6 per month less than Travelers. However, only military members, veterans and some of their family members can buy car insurance from USAA.
Cheapest liability insurance in Nevada: Travelers
Travelers has the most affordable rates for liability-only car insurance in Nevada.
At $82 per month, coverage from Travelers costs $48 per month less than the Nevada state average. The average cost of minimum liability insurance in Nevada is $130 per month.
Cheap liability car insurance in Nevada
Company | Monthly rate |
|---|---|
| Travelers | $82 |
| State Farm | $92 |
| Progressive | $95 |
| Geico | $111 |
| Allstate | $167 |
*USAA is only available to current and former military members and their families.
USAA has even cheaper rates for military members, veterans and their family members. A minimum liability policy from USAA costs $66 per month. But most civilians can't get USAA car insurance.
Find Cheap Car Insurance Quotes in Nevada
Low-cost auto insurance in Nevada for teens: Travelers
Travelers has the cheapest quotes for young drivers in Nevada.
Minimum liability rates from Travelers costs $251 per month for an 18-year-old driver. That's $184 per month less than the Nevada average.
Travelers also has the cheapest full coverage rates for teens. A full coverage policy cost $478 per month, which is $381 per month less than the state average.
Cheap NV auto insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $251 | $478 |
| Progressive | $297 | $714 |
| State Farm | $315 | $582 |
| Geico | $326 | $725 |
| American Family | $516 | $864 |
*USAA is only available to current and former military members and their families.
The average cost of minimum liability car insurance for 18-year-old drivers in Nevada is $435 per month. That's more than three times as expensive as the same coverage for 30-year-old drivers.
The best way for teens to find low-cost car insurance in Nevada is by sharing a policy with their parents.
A family insurance policy typically costs around 62% less than buying two separate car insurance policies.
Cheapest NV auto insurance with a ticket: State Farm and Travelers
State Farm and Travelers have the best car insurance rates for Nevada drivers with a speeding ticket on their record. At $209 per month, full coverage insurance from both companies is 41% cheaper than average after a ticket.
Company | Monthly rate |
|---|---|
| State Farm | $209 |
| Travelers | $209 |
| Progressive | $299 |
| Allstate | $342 |
| Geico | $365 |
*USAA is only available to current and former military members and their families.
In Nevada, one speeding ticket will increase your insurance rates by an average of 24%. That's about $69 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 after an accident costs around $191 per month. That's less than half the Nevada average.
Best auto insurance quotes in Nevada after an accident
Company | Monthly rate |
|---|---|
| State Farm | $191 |
| Travelers | $231 |
| Progressive | $336 |
| Allstate | $429 |
| Geico | $483 |
*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 $438 per month for full coverage. That's $152 per month more than drivers with a clean record 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. That's the best way to find the cheapest insurance after your accident.
Best in NV for young drivers after a ticket or accident: Travelers and State Farm
Travelers has the cheapest rates for Nevada teens with a speeding ticket. A minimum liability policy from Travelers costs $318 per month for an 18-year-old driver. That's $196 per month lower than the state average.
State Farm has the most affordable car insurance in Nevada for young drivers with an accident on their record. At $315 per month, a liability policy from State Farm is nearly half the Nevada average.
Cheap car insurance in NV for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Travelers | $318 | $363 |
| Progressive | $329 | $343 |
| State Farm | $350 | $315 |
| Geico | $362 | $484 |
| American Family | $630 | $878 |
*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 liability-only quotes to increase from $435 per month to $619 per month. That's a difference of $184 per month.
Insurance quotes for an 18-year-old driver with a speeding ticket are about $79 per month more expensive than rates for a driver with a clean record in Nevada.
Affordable car insurance in Nevada 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 after a DUI. That's nearly half the average rate, which is $481 per month.
Company | Monthly rate |
|---|---|
| Travelers | $246 |
| Progressive | $367 |
| Allstate | $421 |
| State Farm | $504 |
| Geico | $574 |
*USAA is only available to current and former military members and their families.
DUIs raise full coverage insurance quotes in Nevada by $194 per month, on average.
However, there are a few things you can do to lower your rates after a DUI.
- Change how you pay your bill. Many companies offer discounts for paying your annual bill upfront or signing up for automatic payments.
- 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 eight years old or worth less than $5,000.
- Raise your deductible. If you have a loan or lease and must 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.
Cheap insurance in Nevada for drivers with poor credit: Travelers
Travelers has the cheapest auto insurance in Nevada for drivers with a low credit score. At $272 per month for full coverage, a policy from Travelers is $254 per month less than the state average.
Company | Monthly rate |
|---|---|
| Travelers | $272 |
| Progressive | $366 |
| Geico | $467 |
| Allstate | $546 |
| American Family | $564 |
*USAA is only available to current and former military members and their families.
Your credit score doesn't have anything to do with your driving ability. But it can impact your car insurance quotes in Nevada.
Full coverage insurance for drivers with poor credit is $240 per month more than coverage for Nevada drivers with good credit. That's because insurance companies believe drivers with poor credit are more likely to file a claim in the future.
Best car insurance in Nevada
USAA has the best-rated auto insurance in Nevada.
USAA consistently earned very high scores on J.D. Power's customer satisfaction survey. It also offers some of the cheapest rates in Nevada. Unfortunately, not all drivers in Nevada can buy car insurance from USAA. The company only offers insurance to active military members, veterans and their families.
State Farm and AAA are excellent options for drivers who can't get insurance from USAA. Both companies earned high scores from J.D. Power, and they get fewer customer complaints than an average company their size.
Top Nevada car insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| AAA | 658 | NR | |
| State Farm | 657 | A++ | |
| Geico | 637 | A++ | |
| American Family | 660 | A |
Average cost of car insurance in Nevada by city
Fallon Station, the Naval Air Station outside of Fallon, has the cheapest car insurance quotes in Nevada.
The average cost of car insurance in Fallon Station is $189 per month for a full coverage policy.
Winchester, a neighborhood near the Las Vegas strip, has the most expensive quotes in Nevada. People living in Winchester pay around $398 per month for car insurance. That's likely due to the high property crime rates in Winchester, along with more traffic congestion.
Nevada auto insurance quotes by city
City | Monthly Rate | % from average |
|---|---|---|
| Alamo | $224 | -3% |
| Amargosa Valley | $241 | 4% |
| Austin | $204 | -12% |
| Baker | $211 | -9% |
| Battle Mountain | $197 | -15% |
Full coverage auto insurance quotes in Nevada can vary by up to $209 per month, depending on where you live.
Rates are typically higher in large cities with heavy traffic, more accidents and higher crime rates. For example, car insurance in Las Vegas costs an average of $368 per month, which is more expensive than the Nevada average by $78 per month.
What is the car insurance requirement 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.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage: $20,000 per accident
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.
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 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 whose fault it is.
- Comprehensive coverage pays for damage from other events, such as fallen tree branches or a hailstorm.
Full coverage is an especially good idea if your car is worth more than $5,000 or is less than eight years old. If you have a car loan or lease, your lender typically requires full coverage.
The difference between the average cost of full coverage and minimum coverage in Nevada is $160 per month. However, minimum coverage in Nevada pays only for the other driver's injuries and property damage. It does not 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 2025 for Nevada drivers. You'll pay an average of $167 per month for a full coverage policy and $82 per month for minimum liability insurance. You could save more than $100 per month over the Nevada full coverage state average of $287 per month.
How much is car insurance in Nevada per month?
The average price of car insurance in Nevada is $287 per month for full coverage. A minimum liability policy costs around $130 per month.
Why are Nevada insurance rates so high?
Nevada is the most expensive state for full coverage, and second-most expensive for minimum liability coverage. The state's large amount of car thefts plus 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 $368 per month for full coverage. That's $78 more than the Nevada average. Drivers living in North Las Vegas pay around $367 per month, while the suburb of Henderson is less expensive, at $316 per month.
How much is auto insurance in Reno, NV?
Reno auto insurance costs an average of $230 per month for a full coverage policy. That's $30 per month less than the statewide average, and half 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 2015 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.
- 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
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.
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.
