The best car insurance in Nevada

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Jessica OlivoJessica OlivoFreelance contributorJessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.After working in publishing and book publicity for many years, she transitioned to freelance writing full time.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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The average cost of a full coverage car insurance policy in Nevada is $2,198 per year, making it one of the most expensive states in the U.S. for car insurance. While costs vary from city to city, drivers will probably pay more for insurance in Nevada than in most other states.

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That’s why it’s even more important for Nevada drivers to shop around and compare quotes to make sure they’re getting the best deal possible. Policygenius can help you see quotes from multiple companies and choose the coverage that’s best for you.

Key takeaways

  • GEICO is the cheapest car insurance company in the state, at an average cost of $1,153 per year.

  • The cheapest company for a sixteen-year-old driver in Nevada was COUNTRY Financial, at $3,301 per year.

  • Nevada requires $25,000 per person and $50,000 per accident in bodily injury liability coverage and $20,000 in property damage liability.

  • Drivers are also required to have at least $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage (although you can choose to reject this coverage.)

Cheapest car insurance companies in Nevada

Car insurance rates vary by company, so it’s important to compare quotes before you buy. Insurance companies will consider a variety of factors when setting your rates, like your age, location, driving history, what kind of car you own, and how often you drive it.

Company

Average cost

JD Power Rating

GEICO

$1,153

874

State Farm

$1,155

882

USAA

$1,353

890

Nationwide

$1,573

868

Travelers

$1,758

854

Cheapest car insurance companies by age in Nevada

Younger drivers pay more for car insurance coverage than any other age group. Their inexperience behind the wheel makes them more of a risk for insurance companies — but even for teenagers, rates vary widely by company.

Age

Cheapest company

Average cost

16

State Farm

$4,117

18

GEICO

$2,695

21

GEICO

$1,562

25

GEICO

$1,255

30

GEICO

$1,147

35

State Farm

$1,147

45

State Farm

$1,152

55

State Farm

$1,104

60

State Farm

$1,082

65

State Farm

$1,079

70

State Farm

$1,136

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Choosing the right car insurance company in Nevada

Since insurance rates are so high in Nevada, it might be tempting just to choose the cheapest policy available. But remember that you should still have enough coverage to fully protect you in case of an accident — and you may want to consider other factors, like a company’s customer service ratings or available perks.

Policygenius can help you understand your options and find the coverage that’s best for you and your budget, so you can feel confident you’re making the right choice.

Car insurance rates for drivers with driving violations in Nevada

Insurance companies look at your driving history to determine if you’re a safe driver or not. Any accidents or violations mean you’ll pay more for coverage, and the more serious the infraction, the more you’ll pay for car insurance.

Violation

GEICO

State Farm

USAA

Nationwide

Travelers

At-fault accident

$2,093

$1,372

$1,890

$2,509

$2,518

DUI

$2,517

$1,268

$2,785

$3,262

$2,813

Suspended license

$3,356

$1,268

$2,622

$3,262

$2,813

Open container

$1,563

$1,268

$2,073

$1,918

$2,383

Expired registration

$1,238

$1,268

$1,643

$1,918

$2,383

Driving without lights

$1,563

$1,268

$1,406

$1,918

$1,910

Running a red light

$1,563

$1,268

$1,643

$1,918

$2,383

Following too closely

$1,563

$1,268

$1,643

$1,918

$2,383

Hit and run

$2,907

$1,268

$2,898

$3,262

$2,813

Not-at-fault accident

$1,237

$1,165

$1,406

$1,664

$1,885

Passing a school bus

$1,563

$1,268

$2,073

$3,262

$2,813

Reckless driving

$2,907

$1,268

$2,291

$3,262

$2,813

Speeding

$2,907

$1,268

$1,643

$1,918

$2,813

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Cheapest car insurance for drivers with bad credit in Nevada

Car insurance companies also consider credit score when calculating rates, and a low credit score usually means you’ll pay more for car insurance. That’s why it’s all the more important for drivers with poor credit to shop around and compare quotes before buying a policy.

Company

Rates for drivers with bad credit

GEICO

$1,550

Nationwide

$2,309

State Farm

$2,341

American Access Casualty Company

$2,434

Key Insurance

$2,857

Car insurance costs in Nevada cities

Where you live will have a big impact on what you pay for your policy. Bigger cities mean more cars on the road and more chances of a claim or accident. Here’s how the 10 biggest cities in Nevada compare when it comes to the cost of car insurance:

  • Las Vegas: $2,888

  • Henderson: $2,527

  • North Las Vegas: $2,904

  • Reno: $1,878

  • Sparks: $1,847

  • Carson City: $1,661

  • Fernley: $1,707

  • Elko: $1,778

  • Mesquite: $2,003

  • Boulder City: $2,141

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Buying car insurance in Nevada

Nevada requires drivers to have at least bodily injury liability coverage of $25,000 per person and $50,000 per accident. Drivers also need at least $20,000 in property damage liability coverage. Nevada also requires at least $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage (although drivers can choose to reject this coverage). But state minimums are just a starting point — in order to be fully protected in case of an accident, you should set your coverage limits as high as you can reasonably afford.

How to get cheap car insurance in Nevada

All car insurance companies offer discounts that can help bring down the cost of your policy. Some of the most common include:

  • Safe driver discount

  • Military discount

  • Good student discount

  • Multi-car discount

  • Bundling discount

In addition to discounts, reshopping for car insurance every year or so can help you make sure you’re not paying more than you need to for coverage.

Find car insurance in your city:

Frequently asked questions

Will I pay more for insurance if I have a speeding ticket on my driving record in NV?

Depending on how long ago you got the ticket, it could be a factor in determining your premium. Insurance companies look back three to five years in your driving history, and even one moving violation can mean higher rates. In Nevada, State Farm has the lowest average rate for a driver with a speeding ticket — $1,306 per year for a full coverage policy.

Is it illegal to not have car insurance in Nevada?

Yes, drivers in Nevada are required by law to have a minimum of 25/50/20 in liability coverage, as well as uninsured/underinsured motorist coverage (although you can choose to reject this coverage). Drivers who don't have at least the minimum coverage will face a fine between $250–$1,000 and a license reinstatement fee of up to $750.

Why is insurance so expensive in Las Vegas?

Las Vegas is the most densely populated city in Nevada and has a higher crime rate than many other places in the state — two factors used to calculate the cost of insurance. Residents of Las Vegas pay an average of $2,888 per year, compared to $2,527 in Henderson, which is the second biggest city in Nevada.

How much is car insurance per month in Nevada?

Drivers in Nevada pay an average of $2,198 per year for car insurance, which breaks down to $183 per month.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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