Cheapest for: Minimum liability | Full coverage | Prior incidents | Young drivers
Cheapest Car Insurance Quotes in Nevada (2024)
State Farm has the best cheap car insurance in Nevada, at $120 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: State Farm, $120/mo
- Cheapest minimum liability: State Farm, $63/mo
- Cheapest for young drivers: State Farm, $216/mo
- Cheapest after a ticket: State Farm, $128/mo
- Cheapest after an accident: State Farm, $140/mo
- Cheapest for teens after a ticket: State Farm, $236/mo
- Cheapest after a DUI: Travelers, $245/mo
- Cheapest for poor credit: Travelers, $271/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. Drivers should also get a quote from Geico, which has affordable rates and reliable service.
All of the cheapest companies in Nevada offer online quotes, which makes it easy to quickly compare rates and find the best policy for you.
Cheapest car insurance in Nevada: State Farm
State Farm has the best rates in Nevada for full coverage car insurance.
A full coverage policy from State Farm costs around $120 per month. That's less than half the state average of $247 per month.
Find Cheap Car Insurance Quotes in Nevada
The average cost of car insurance in Nevada is $247 per month for a full coverage policy. That's higher than the national average by $83 per month.
Best cheap full coverage car insurance in Nevada
Company | Monthly rate | |
|---|---|---|
| State Farm | $120 |
| Travelers | $166 |
| Progressive | $188 |
| Geico | $200 |
| Allstate | $240 |
*USAA is available only to current and former military members and their families.
Cheapest liability car insurance in Nevada: State Farm
State Farm has the most affordable rates for liability-only car insurance in Nevada.
At $63 per month, coverage from State Farm costs $51 per month less than the Nevada state average. The average cost of minimum liability insurance in Nevada is $114 per month.
Cheapest liability insurance quotes in Nevada
Company | Monthly rate |
|---|---|
| State Farm | $63 |
| Geico | $81 |
| Travelers | $81 |
| Progressive | $82 |
| Allstate | $128 |
*USAA is available only to current and former military members and their families.
Find Cheap Car Insurance Quotes in Nevada
Cheapest Nevada auto insurance for young drivers: State Farm
Young drivers in Nevada can find the cheapest rates with State Farm.
Minimum liability rates from State Farm are 45% cheaper than average. The company's full coverage rates are 54% cheaper than average.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $216 | $359 |
| Geico | $238 | $500 |
| Travelers | $250 | $475 |
| Progressive | $444 | $1,104 |
| American Family | $503 | $839 |
The average cost of minimum coverage car insurance for 18-year-old drivers in Nevada is $390 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
State Farm has the best car insurance rates for Nevada drivers with a speeding ticket on their record. Its average rate is $128 per month for full coverage insurance, which is $181 per month below average.
Company | Monthly rate |
|---|---|
| State Farm | $128 |
| Travelers | $208 |
| Geico | $241 |
| Progressive | $248 |
| Allstate | $267 |
In Nevada, one speeding ticket will increase your insurance rates by 25% on average. That's about $62 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 $140 per month. That's $238 less than the Nevada average.
Company | Monthly rate |
|---|---|
| State Farm | $140 |
| Travelers | $230 |
| Progressive | $280 |
| Geico | $325 |
| Allstate | $332 |
Quotes for Nevada drivers with an accident on their record average $378 per month. That's $131 more than drivers with a clean record pay for the same coverage.
However, insurance companies penalize accidents to different degrees. The most expensive company, AAA, increases rates by nearly $343 per month. On the other hand, State Farm raises rates by only $20 per month, on average.
Best auto insurance in NV for young drivers after a ticket or accident: State Farm
State Farm has the cheapest rates in Nevada for young drivers with a speeding ticket or accident on their record.
A liability-only policy from State Farm costs $236 per month after one ticket. That's half the average price in the state.
Young drivers pay an average of $259 per month with State Farm after an at-fault accident. That's also around half the state average overall.
Company | Ticket | Accident |
|---|---|---|
| State Farm | $236 | $259 |
| Geico | $265 | $353 |
| Travelers | $317 | $361 |
| Progressive | $466 | $486 |
| Allstate | $603 | $658 |
Young drivers in Nevada already pay expensive rates for auto insurance, but an accident will cause quotes to increase from $390 per month to $545 per month.
Insurance quotes for an 18-year-old driver with a speeding ticket are about 24% more expensive than rates for a driver with a clean record in Nevada. However, State Farm increases rates by only 9%, or $20 per month.
Cheapest Nevada auto insurance quotes 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 $245 per month after you're caught driving under the influence. That's $195 cheaper than the state average of $440 per month.
Company | Monthly rate |
|---|---|
| Travelers | $245 |
| Progressive | $306 |
| Allstate | $326 |
| State Farm | $380 |
| Geico | $390 |
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 can't get rid of 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 major 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 offers the cheapest auto insurance in Nevada for drivers with a low credit score. At $271 per month for full coverage, a policy from Travelers is $179 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| Travelers | $271 |
| Progressive | $305 |
| Geico | $308 |
| Allstate | $423 |
| State Farm | $527 |
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 $203 per month more than coverage for Nevada drivers with good credit.
Best car insurance in Nevada
USAA is the best car insurance company in Nevada.
It has a high rating from ValuePenguin's editors and the top J.D. Power customer satisfaction score.
Unfortunately, not all drivers in Nevada can buy car insurance from USAA. The company offers insurance only to active military members, veterans and their families.
State Farm is an excellent choice for drivers who can't get insurance from USAA.
Top Nevada insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| AAA | 827 | A | |
| Geico | 835 | A++ | |
| American Family | 838 | A |
Comparing customer service reviews is an important part of shopping for car insurance in Nevada.
If you're in an accident, a company with great customer service can ease your stress and help get you back on the road quickly. A company with a poor customer service score may have a longer claims process or offer you less money for repairs.
Average cost of car insurance in Nevada by city
The cheapest car insurance quotes in Nevada are in Dayton, while drivers in Winchester pay the highest rates in the state.
People living in Winchester, a suburb of Las Vegas, pay around $337 per month for car insurance. Drivers in Dayton, a rural town outside of Carson City, can expect to pay $170 per month for the same coverage.
City | Monthly rate | % from average |
|---|---|---|
| Alamo | $200 | -19% |
| Amargosa Valley | $216 | -12% |
| Austin | $182 | -26% |
| Baker | $187 | -24% |
| Battle Mountain | $176 | -29% |
Full coverage auto insurance quotes in Nevada can vary by up to $167 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, Las Vegas car insurance costs an average of $318 per month, which is more expensive than the Nevada average by $71 per month.
Minimum requirements for auto insurance coverage 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
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 protects your own vehicle along with the other driver's.
Cheap quotes may make minimum liability car insurance seem like a good choice. However, low coverage limits mean you might wind up paying more in the long run if you're in an accident.
A minimum coverage policy in Nevada pays only for the other driver's injuries and property damage. It does not include protection for damage to your own vehicle.
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 who is at fault.
- 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. It's also required if you have a car loan or lease.
The difference between the average cost of full coverage and minimum coverage in Nevada is $133 per month. However, full coverage could save you a lot of money if you're in an accident.
Frequently asked questions
Who has the cheapest car insurance in Nevada?
State Farm has the lowest rates for Nevada drivers, at $63 per month for liability insurance and $120 per month for full coverage.
How much is car insurance per month in Nevada?
The average price of car insurance in Nevada is $114 per month for minimum coverage. A full coverage policy costs around $247 per month.
Is car insurance cheaper in Nevada?
Nevada is the third-most expensive state for minimum coverage, and second-most expensive for full coverage. This is partially due to the high number of drivers on the road, especially in cities like Las Vegas and Reno.
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.
How much is car insurance in Las Vegas?
Car insurance in Las Vegas costs $318 per month for full coverage. That's $71 more than the Nevada average. Drivers living in North Las Vegas pay around $319 per month, while the suburb of Henderson is less expensive, at $276 per month.
Methodology
ValuePenguin collected thousands of quotes from ZIP codes across Nevada 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 insurer 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.