Cheapest Car Insurance In Nevada

Since Nevada is one of the top 10 most expensive states for car insurance in the U.S., finding affordable coverage there can be a challenge. That’s why we at the MarketWatch Guides Team have explored the best car insurance coverage options for Nevada drivers, including average costs for many types of drivers and situations.

Cheapest Car Insurance Companies Nevada

The cheapest car insurance companies in Nevada include USAA, Geico and Progressive.

Cheap Nevada Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Number of Discounts Offered	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
Geico Learn More	9.1	8.4	9.1	16	Learn More
Progressive Learn More	9.0	9.5	7.8	13	Learn More
State Farm Learn More	9.4	9.2	8.3	16	Learn More
Travelers Learn More	9.5	9.8	9.8	15	Learn More

Cheap Nevada Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Number of Discounts Offered	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
Geico Learn More	9.1	8.4	9.1	16	Learn More
Progressive Learn More	9.0	9.5	7.8	13	Learn More
State Farm Learn More	9.4	9.2	8.3	16	Learn More
Travelers Learn More	9.5	9.8	9.8	15	Learn More

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Nevada.

Cheapest Car Insurance Coverage in Nevada

Coverage level has a major impact on rates. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.

Below are the cheapest auto insurance options in Nevada for both coverage types.

Cheapest Liability Insurance in Nevada

If you’re looking for the cheapest coverage possible, you’ll be shopping for minimum liability coverage. Our estimates show good drivers pay about $1,283 per year or $107 per month for basic liability coverage. Below are 10 popular Nevada car insurance companies ranked by minimum coverage cost.

Cheapest Full Coverage Car Insurance in Nevada

At $103 per month, or $1,239 per year, State Farm offers the cheapest full coverage auto insurance in Nevada. Geico and USAA also have affordable car insurance rates. Here is the complete list below:

Your age, driving history and credit score will all impact how much you pay for car insurance. The tables below will show how much people will have to pay if they fall under certain categories.

Cheapest Car Insurance in Nevada for Young Drivers

Teens and young drivers can pay significantly more for car insurance than older adults. The series of tables below show the cheapest car insurance for young drivers in Nevada, along with estimated monthly and annual costs.

Cheapest Nevada Car Insurance for 16-Year-Olds

Car insurance in Nevada is very expensive for 16-year-olds on their own policies. Our estimates show this age group pays as much as $11,788 for car insurance annually. However, teen drivers can find cheaper rates from State Farm, USAA and Geico.

Cheapest Nevada Car Insurance for 17-Year-Olds

17-year-olds in Nevada pay about $7,800 per year for their own policies according to our estimates. Many teens prefer to join their parents’ insurance to save money.

*Costs were taken from 2022 information.

Cheapest Nevada Car Insurance for 18-Year-Olds

18-year-olds in Nevada pay about $6,826 per year for car insurance on average, which is almost three times what middle-aged drivers pay.

*Costs were taken from 2022 information.

Cheapest Nevada Car Insurance for 21-Year-Olds

Average annual rates for car insurance decrease to $3,527 for 21-year-olds.

*Costs were taken from 2022 information.

Cheapest Nevada Car Insurance for 25-Year-Olds

25-year-olds only pay slightly more for car insurance than what middle-aged drivers pay. Our estimates show 25-year-olds pay around $3,081 per year.

Cheapest Nevada Car Insurance for High-Risk Drivers

Car insurance prices increase with infractions on your driving record. They can also increase in Nevada if you have fair or poor credit, because insurance companies use credit ratings to calculate rates.

Cheapest Nevada Car Insurance for Drivers With a Speeding Ticket

Unfortunately for Nevada speed demons, it pays to have a clean driving record. For Nevada drivers with a speeding ticket in their driving history, car insurance can cost up to 17% more than for drivers who haven’t received speeding citations.

Cheapest Nevada Car Insurance for Drivers With a Recent Accident

Drivers who have been involved in a recent accident may pay up to 37% more for car insurance premiums than those who haven’t. Below, our review team lists the cheapest providers in Nevada for drivers who have been involved in a collision.

Cheapest Nevada Car Insurance for Drivers With Poor Credit

For drivers with poor credit scores, the cost of auto insurance increases dramatically. Our review team found that Nevada drivers with poor credit scores can pay up to 61% more on average than drivers with good credit scores.

Car Insurance Deals in Nevada

Car insurance can be expensive for drivers in Nevada, however many providers will offer discounts to help drivers save money. These discounts will vary depending on the company, however, the top companies will often offer similar deals, which we will outline below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Nevada

Nevada policyholders who take advantage of available car insurance discounts may be able to lower their premiums significantly. If you’re shopping around for car insurance, search for companies that provide the best discounts for you. You can also ask your existing provider what discounts may be available.

Here’s more information on the most common types of discounts offered by auto insurance companies:

• Multi-policy: Bundling two or more insurance policies with the same company, such as adding a homeowners or renters policy to your auto coverage
• Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies with your family members or friends
• Military: Applies whether you’re an active military member or a veteran
• Senior: Typically applies to policyholders who are 55 and older
• Homeowners: You may qualify for this discount if you’re paying a mortgage
• Good student: Usually for college and high school students under 25 who maintain a B average in their courses
• Good driver: Applies to drivers with a clean driving record (no at-fault accidents, DUIs, or speeding tickets in the last three years)
• Defensive driving: Those who take a defensive driving course tend to qualify for this discount
• Driver training: Get a discount by taking a driver education training course
• New car: Given to drivers who purchase a new car, typically within the last three model years
• Safe car: Will apply if your vehicle has safety features like anti-theft technology or automatic braking
• Paperless: Get a discount by opting to receive your documents through email
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

For those who would like to know about the cheapest auto insurance in the Silver State, the sections below contain more detailed information:

#1 USAA: Best for Military Members

9.2/10

Overview

Recognized with the Low Rates for Military award in our 2022 industry review, USAA is our review team’s top recommended provider in the state of Nevada. From drivers with a speeding ticket on their record to drivers involved in a recent accident, USAA is the cheapest option on average for several types of Nevada drivers.

For more information about the top-rated provider, check out our USAA insurance review.

Industry Standing

J.D. Power Regional Rating: 863/1,000
AM Best financial strength rating: A++
Better Business Bureau (BBB) rating: A+

The average cost of a full coverage car insurance policy in Nevada is approximately $2,788 per year, based on our rate estimates. That’s about 39% more than the national average of $2,008.

Nevada Car Insurance Cost by City

Car insurance costs can vary greatly within the state depending on where you live. Generally, insurance is more expensive in cities like Las Vegas and Reno than rural areas.

*Car insurance estimates by city are based on the three most popular providers per location.

Car insurance rates are also based on a number of personalized factors, so the best way to find out how much you’ll pay is by getting car insurance quotes based on your driver profile. Read on to learn about average rates for different types of Nevada drivers. Remember you can save money by raising your deductible (if you can afford to pay it in the event of an accident).

Nevada Car Insurance Cost by Age

Your age is one of the biggest factors that determines how much you pay for car insurance. Teens and young drivers are more likely to get into accidents, so they pay more than older adults. Our estimates show teens on their own car insurance policies can pay about four times what middle-aged drivers pay.

Car Insurance Cost Factors in Nevada

Car insurance costs in Nevada vary depending on factors about you and your vehicle. That’s why the rates you see listed in this article will likely differ from the ones you receive from insurers.

These are the most important factors in determining your car insurance premiums:

• Age
• Marital status
• Driving record
• Gender listed on your license
• Credit score
• Location

According to the Nevada Department of Motor Vehicles (DMV), the following minimum liability coverage limits are required in the state of Nevada:

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

Auto insurance companies are required to offer uninsured/underinsured motorist coverage in Nevada, but drivers can deny this coverage.

Liability insurance requirements in Nevada do not cover damage to your vehicle or personal medical payments. Therefore, we recommend considering additional coverage to ensure you’re protected. Listed below are some common types of car insurance coverage that aren’t mandated under Nevada law:

• Comprehensive coverage
• Collision coverage
• Uninsured motorist coverage
• Underinsured motorist coverage

How To Get Car Insurance in Nevada

Following an in-depth review and analysis of leading car insurance companies in Nevada, our review team chose USAA as our top recommendation for Nevada auto insurance. Other car insurance companies we recommend include Geico, Progressive, State Farm and Travelers.

To find the provider that best fits your needs, get personalized car insurance quotes from insurers. Most major providers allow you to get quotes on their websites, although you can also call a company directly to find out how much you’ll pay for coverage. You can also reach out to an insurance agent or broker to help you compare car insurance options.

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Nevada. We also looked at average cost of car insurance and coverage requirements in the Silver State.

Car Insurance Nevada: FAQ

Below are some common frequently asked questions about cheap car insurance in Nevada:

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.