The best car insurance in Nevada

Jessica Olivo

By

Jessica Olivo

Jessica Olivo

Freelance contributor

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.

Published November 11, 2021

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The average cost of a full coverage car insurance policy in Nevada is $2,137 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 $1,043 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

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

$1,043

871

State Farm

$1,190

881

USAA

$1,353

890

COUNTRY Financial

$1,523

863

Nationwide

$1,580

876

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

COUNTRY Financial

$3,301

18

GEICO

$2,487

21

GEICO

$1,412

25

GEICO

$1,132

30

GEICO

$1,039

35

GEICO

$1,040

45

GEICO

$1,049

55

GEICO

$1,032

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

COUNTRY Financial

Nationwide

At-fault Accident

$1,878

$1,413

$1,890

$2,101

$2,521

DUI

$2,242

$1,306

$2,785

$2,634

$3,280

Driving with a suspended license

$2,983

$1,306

$2,622

$2,634

$3,280

Driving with an open container

$1,410

$1,306

$2,073

$2,019

$1,927

Driving with expired registration

$1,119

$1,306

$1,532

$2,019

$1,927

Driving without Lights

$1,410

$1,306

$1,406

$2,019

$1,927

Failure to show documents

$1,119

$1,306

$1,532

$2,019

$1,927

Failure to stop at a red light

$1,410

$1,306

$1,643

$2,019

$1,927

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

$1,402

Nationwide

$2,319

COUNTRY Financial

$2,381

State Farm

$2,408

American Access Casualty Company

$2,561

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: $2,806

  • Henderson: $2,447

  • North Las Vegas: $2,818

  • Reno: $1,827

  • Sparks: $1,789

  • Carson City: $1,619

  • Fernley: $1,654

  • Elko: $1,745

  • Mesquite: $1,918

  • Boulder City: $2,075

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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. 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.

Frequently asked questions

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

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.

I’m turning sixty-five this year, which company has the best rates for seniors?

Older drivers are considered more of a risk on the road and might start to see their premiums go up as they age. GEICO is the cheapest company in Nevada for seniors, with an average cost of $1,023 for a 65-year-old driver.

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 $2,806 per year, compared to $2,447 in Henderson, which is the second biggest city in Nevada.

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.