Cheapest Auto Insurance in Nevada (2024)
COUNTRY Financial has the cheapest car insurance rates for Nevada drivers, starting from $33 per month.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
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Table of contents
The average cost of car insurance in Nevada is $185 per month for liability insurance and $306 per month for full coverage. This is much higher than the nationwide monthly averages of $104 for liability coverage and $204 for full coverage.
Car insurance in Nevada may be more expensive due to the state’s higher-than-normal speed limits on highways and interstates. Plus, since the Silver State is home to Las Vegas, one of the largest tourism destinations in the U.S., many out-of-town drivers who are unfamiliar with the roads can also affect traffic and accident rates.
Whether you’re a rideshare driver in Las Vegas or a nature lover navigating Nevada’s many mountains, you need car insurance to protect yourself. Comparing car insurance quotes is the best way to find affordable coverage for your situation.
Quick Facts
COUNTRY Financial, State Farm, and GEICO have the cheapest car insurance in Nevada.
Nevada drivers pay a yearly average of $3,671 for full-coverage car insurance.
A DUI conviction in Nevada could result in license revocation and an SR-22 insurance requirement for three years.[1]
3 of the cheapest car insurance companies in Nevada
When shopping for car insurance in Nevada, it’s a good idea to look for companies that can offer specific coverages or discounts that you need, such as rideshare insurance or discounts for student drivers. In most cases, the best car insurance company policy is the one that caters to your individual situation, driving record, budget, and other needs.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Farmers | 8.3 | $216 | $135 | Liability coverage |
| Allstate | 8.9 | $138 | $86 | Rideshare drivers |
| GEICO | 9.0 | $92 | $58 | Young drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability coverage: Farmers
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $135/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $216/mo |
3.9
A solid optionBased on 1836 verified guest reviews and ratings
How drivers feel about Farmers
Drivers appreciate the initial affordability but dislike the frequent and significant price increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Drivers appreciate the initial affordability but dislike the frequent and significant price increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (988)
Gregory
November 12, 2024
Verified Review
Extremely Poor
They've been taking money from me for nine months and then billed me again, even after I provided proof that I never had two cars.
Stanford
November 12, 2024
Verified Review
Fair
The price is too much for me.
James
November 11, 2024
Verified Review
Not a Fan of Farmers Insurance
Farmers Insurance tends to make everything a huge hassle, and they might charge you more if you don't download their app. I wouldn't recommend wasting your time or money with Farmers Insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.13A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Established 95 years ago, Farmers has grown into one of the largest insurance companies in the country. The company offers various coverages, including auto, home, renters, and life insurance. Policyholders can save by taking advantage of numerous discounts for multiple vehicles, safe driving, bundling, and more. While Farmers has slightly higher rates than some competitors, the company has an A (Excellent) rating from AM Best for financial strength.
Pros
Offers numerous driving discounts
More established than some insurers with cheap liability-only rates
Cons
Not the cheapest option available
Low customer satisfaction on the National Association of Insurance Commissioners (NAIC) Customer Complaint Index
Best insurer for rideshare drivers: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $138/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
824NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Retail giant Sears, Roebuck and Co. founded Allstate in 1931, and the company has grown into one of the largest property/casualty insurers in the U.S., operating in all 50 states and Washington, D.C. The insurance company provides auto, home, renters, condo, motorcycle, ATV, and term life insurance. Allstate offers numerous ways to reduce premiums, including bundling, new vehicles, good students, and anti-theft feature discounts. Rideshare drivers can purchase additional coverage, including gap insurance, for as little as pennies a day.
Pros
Offers affordable rideshare insurance through Ride for Hire program
Pay-per-mile coverage available
Cons
Lower rating for customer satisfaction on the NAIC Complaint Index
Rates aren’t the cheapest available in the market
Best insurer for young drivers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $92/mo |
4.0
Best choiceBased on 10275 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is another popular nationwide auto insurer with a strong presence, which may give young drivers like teens confidence in a near-century-old brand. With some of the cheapest car insurance options for teens in Nevada, GEICO increases opportunities for teens and students to save by offering age-specific discounts, including Driver’s Education, Good Student, and Student-Away-at-School discounts. Drivers with clean records will pay the lowest rates, though teens or young adults with at-fault accidents or moving violations will see an increase.
Pros
Various discounts for students
Highly rated mobile app
Cons
Rideshare insurance not available
Gap insurance not available
How to get the cheapest car insurance in Nevada
Getting the cheapest car insurance available in Nevada isn’t a one-time exercise. As factors like your driving history and industry trends change, your policy premiums might increase.
Thankfully, you can try to secure the lowest cost car insurance rates possible by following these tips:
Ask about discounts. You may be eligible for discounts for taking a defensive driving course, having certain vehicle safety features, being affiliated with organizations, or getting good grades in school. Call an insurance agent who can help you determine what discounts you can get.
Bundle policies. If you need more than just car insurance in Nevada, consider buying home insurance, renters insurance, or life insurance through the same company you buy auto insurance from. You can typically get a discounted rate on both policies.
Reconsider coverage. Depending on your car’s value, it may be smart to reduce optional coverages. You may also want to consider less coverage if you only drive limited miles.
Compare quotes. Get a Nevada car insurance quote from multiple companies for the same coverage level to better compare auto insurance rates and find the best option for you.
Find Car Insurance in Nevada
Rates start as low as $33 for liability-only coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Nevada: COUNTRY Financial
Liability-only car insurance in Nevada protects you only when you’re at fault for an accident that caused damages and injuries to others.
Liability car insurance typically meets the minimum auto insurance requirements in a state, so it’s usually the cheapest car insurance policy you can buy and still drive legally. But the minimum required amount of liability coverage may not provide you with adequate financial protection in case of an at-fault accident.
On average, liability-only coverage costs $185 per month in Nevada. Here are the average quotes from Nevada car insurance companies for liability-only coverage.
10 cheapest insurers for liability-only
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Nevada: COUNTRY Financial
Technically, there’s no standard full-coverage policy because each insurer offers different types and levels of car insurance coverages. But most insurers that offer full-coverage auto insurance add comprehensive and collision to a liability-only policy, so the driver has coverage for damages to their own vehicle as well as damages or injuries they cause someone else. Full coverage also pays for non-collision incidents, like theft, vandalism, or damage from extreme weather.
Nevada drivers pay an average of $306 per month for full-coverage car insurance. Here are the cheapest full-coverage insurers in Nevada to help you start your search.
10 cheapest insurers for full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Nevada
Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $87/mo for full coverage in Nevada.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Nevada car insurance requirements
Nevada law requires drivers to carry a minimum amount of bodily injury and property damage liability insurance, called 25/50/20, which translates to the following coverages and limits:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
Nevada drivers are welcome to purchase additional optional coverages. Insurers must offer drivers uninsured/underinsured motorist coverage at the above limits, but drivers don’t have to purchase it.
Michael DeLong, research and advocacy associate at the Consumer Federation of America, suggests that drivers in cities like Las Vegas and Reno consider extra coverage.
“Drivers living in popular tourist areas should consider adding comprehensive or uninsured/underinsured motorist coverage to their policies,” he says. “Significant numbers of drivers lack insurance, and you don’t want to end up paying for your own property damage or medical costs.”
Comprehensive coverage
Comprehensive insurance covers damages from non-accident events, like falling objects, vandalism, theft, weather, and more.
Collision coverage
Collision insurance covers damages to your vehicle when you hit another car or object like a tree, fence, or light pole, even if you’re at fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage insures you and your passengers if you’re injured and the at-fault driver has no coverage or insufficient coverage.
Medical payments (MedPay) coverage
Medical payments coverage pays for you and your passenger’s medical expenses regardless of who’s at fault in the accident.
Rideshare coverage
This type of coverage fills in the gaps where Uber’s or Lyft’s insurance doesn’t cover you while you’re driving for them.
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How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
You can be a relatively safe and responsible driver yet still see your car insurance premium rise due to a single incident. Speeding tickets, moving violations, and convictions for driving under the influence signal to your insurer that you were driving in a way that could increase the potential for an accident. If your rates can increase because an accident could have happened, it’s no surprise that your rates will also rise if you’re involved in an at-fault accident.
Here’s how incidents on your record can affect car insurance rates in Nevada.
Find Car Insurance in Nevada
Monthly rates start as low as $42 for drivers with motor vehicle violations
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: COUNTRY Financial
Nevada has some of the highest speed limits in the country, with rural interstate speeds as high as 80 mph. Speeding is a frequent factor in fatal car crashes and was a factor in 32% of fatal car crashes in Nevada between 2015 and 2019.[3] [4]
Risks can exist while obeying the speed limit, but these risks are only elevated when you exceed the speed limit, and insurers increase rates to offset this increased risk.
Nevada drivers with a speeding ticket can see their car insurance rates rise to a monthly average of $422 for full coverage and $255 for liability-only insurance. The table below shows the cheapest Nevada car insurance companies for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| COUNTRY Financial | $33 | $44 |
| State Farm | $48 | $61 |
| GEICO | $58 | $75 |
| USAA | $67 | $86 |
| Allstate | $86 | $111 |
| Farmers | $135 | $173 |
| Nationwide | $139 | $181 |
| Mercury | $143 | $197 |
| Safeco | $148 | $193 |
| Sun Coast | $151 | $208 |
| Travelers | $161 | $209 |
| American Family | $165 | $213 |
| Liberty Mutual | $170 | $236 |
| Progressive | $184 | $235 |
| Dairyland | $190 | $245 |
| Bristol West | $259 | $336 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: COUNTRY Financial
Although speeding and driving under the influence are factors in car accidents, you can be at fault for an accident even when you’re driving as carefully and responsibly as possible. Distractions, misjudging distances, ongoing construction, and dangerous road conditions can lead to accidents. In Nevada, Clark County had the most fatal car accidents from 2015 to 2019, making up 66% of all fatal accidents in the state.[4]
Your insurance rate will typically increase after an at-fault accident. But if you’ve had a clean driving record for at least three years, you may be able to qualify for accident forgiveness coverage, which can ensure your rates don’t rise after your first at-fault accident.
In Nevada, drivers with at-fault accidents pay a monthly average of $255 for liability-only car insurance and $422 for full coverage. Here are the cheapest car insurance companies in Nevada for drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| COUNTRY Financial | $33 | $47 |
| State Farm | $48 | $65 |
| GEICO | $58 | $79 |
| USAA | $67 | $91 |
| Allstate | $86 | $117 |
| Farmers | $135 | $183 |
| Nationwide | $139 | $191 |
| Mercury | $143 | $208 |
| Safeco | $148 | $200 |
| Sun Coast | $151 | $219 |
| Travelers | $161 | $221 |
| American Family | $165 | $225 |
| Liberty Mutual | $170 | $247 |
| Progressive | $184 | $252 |
| Dairyland | $190 | $256 |
| Bristol West | $259 | $352 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: COUNTRY Financial
Impaired driving is fatal: Drivers, passengers, and pedestrians alike die in drunk-driving car crashes each day. Even a small amount of alcohol in your bloodstream impairs your ability to operate a vehicle safely, which increases your likelihood of getting into an accident. Impaired driving was a factor in 43% of all crash fatalities in Nevada between 2015 and 2019, making it the biggest contributing factor.[4]
Nevada imposes stiff penalties on drivers convicted of a DUI, ranging from up to six months in jail, to having an ignition interlock device placed on your vehicle for up to three years, depending on your blood alcohol level at the time of your arrest.
Insurers penalize DUI-convicted drivers with some of the highest policy rates possible, making it more difficult to find affordable car insurance coverage. A DUI conviction can push car insurance rates to an overall monthly average of $506 for full coverage and $306 for liability-only insurance for Nevada motorists. The table below shows the cheapest auto insurance companies in Nevada for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| COUNTRY Financial | $33 | $54 |
| State Farm | $48 | $79 |
| GEICO | $58 | $96 |
| USAA | $67 | $111 |
| Allstate | $86 | $142 |
| Farmers | $135 | $223 |
| Nationwide | $139 | $229 |
| Mercury | $143 | $218 |
| Safeco | $148 | $227 |
| Sun Coast | $151 | $249 |
| Travelers | $161 | $266 |
| American Family | $165 | $272 |
| Liberty Mutual | $170 | $281 |
| Progressive | $184 | $304 |
| Dairyland | $190 | $314 |
| Bristol West | $259 | $427 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: COUNTRY Financial
With nearly 17% of the population age 65 and older, Nevada seniors should be aware that although car insurance rates can decrease around age 35, these rates will likely increase again around age 70. Even with a clean record, age-related conditions negatively affect seniors’ driving abilities. Compromised cognition, vision, and physical mobility, coupled with the presence of medication, could make it more likely for a senior driver to be involved in an accident.[5]
On average, Nevada seniors pay $224 for full coverage and $135 for liability. Here are the cheapest car insurance companies for senior drivers in Nevada.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| COUNTRY Financial | $25 | $40 |
| State Farm | $35 | $56 |
| GEICO | $43 | $69 |
| USAA | $50 | $81 |
| Allstate | $65 | $104 |
| Nationwide | $97 | $155 |
| Farmers | $99 | $159 |
| Mercury | $106 | $121 |
| Sun Coast | $110 | $181 |
| Travelers | $118 | $190 |
| Safeco | $119 | $160 |
| American Family | $122 | $195 |
| Progressive | $124 | $158 |
| Liberty Mutual | $135 | $195 |
| Dairyland | $143 | $270 |
| Bristol West | $195 | $308 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
Teen drivers have the highest rates compared to all other age groups due to their high frequency of accidents and moving violations. Teens have a fatal crash rate that’s almost four times higher than drivers older than 19.[6]
Teen drivers in Nevada see average monthly car insurance rates of $551 and $333, respectively, for full-coverage and liability-only car insurance.
By driving a car with modern safety features, keeping young drivers on a parent’s car insurance policy, and qualifying for student-centric discounts, teen drivers may get a lower rate. Minor teens won’t be able to buy an insurance policy on their own with the written consent of a parent or legal guardian.
Here are the average monthly car insurance quotes from insurers for teen drivers in Nevada.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| COUNTRY Financial | $49 | $79 |
| State Farm | $85 | $136 |
| GEICO | $96 | $152 |
| USAA | $116 | $187 |
| Allstate | $158 | $253 |
| Farmers | $243 | $389 |
| Nationwide | $250 | $399 |
| Mercury | $260 | $297 |
| Sun Coast | $272 | $447 |
| Safeco | $293 | $394 |
| American Family | $294 | $470 |
| Travelers | $300 | $480 |
| Liberty Mutual | $301 | $437 |
| Dairyland | $316 | $597 |
| Progressive | $332 | $423 |
| Bristol West | $450 | $708 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Nevada car insurance quotes by credit tier
State law allows Nevada car insurance companies to use a driver’s credit history to generate a credit-based insurance score. A credit-based insurance score helps companies determine coverage eligibility and cost of car insurance for residents. The Division of Insurance publishes a list of insurers that do and don’t use data from credit-based insurance scores.[7]
It’s a good idea for Nevada drivers to check this list and consider getting a quote because, generally speaking, insurers who use credit-based insurance scoring give higher rates to drivers with a poor credit score and reserve the best rates for drivers with an excellent or good credit score.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Nevada car insurance FAQs
If you’re a high-risk driver in Nevada, check out Insurify’s guide on the best car insurance companies for your driving record. In the meantime, here are the answers to common questions about Nevada car insurance.
How much is car insurance in Nevada?
The average cost of car insurance in Nevada is $185 per month for liability insurance and $306 per month for full coverage.
What are the cheapest car insurance companies in Nevada?
COUNTRY Financial has the cheapest car insurance rates in Nevada, at $33 per month for liability coverage and $53 for full-coverage car insurance.
Nevada drivers can also find cheap rates with State Farm and GEICO, which have monthly liability-only rates of $48 and $58, respectively.
What are the best car insurance companies in Nevada?
A few of the best car insurance companies in Nevada include Allstate, GEICO, Farmers, and USAA. These insurers have plenty of discounts for drivers, strong AM Best ratings, and high Insurify Quality (IQ) Scores.
But the best car insurance company for you depends on your individual needs and budget, so it’s important to compare quotes. Get car insurance quotes from at least three companies to compare and find the best option for you.
Is Nevada a no-fault state for auto insurance?
No. Nevada isn’t a no-fault state for auto insurance. It’s an at-fault state, which means the driver who caused an accident is responsible for paying for the injuries and damages of other people involved.[8]
Is it illegal to drive without insurance in Nevada?
Yes. It’s illegal to drive without insurance in Nevada. Driving without insurance can result in a license and vehicle registration suspension, SR-22 insurance requirement, and a penalty of $250 to $1,750 per uninsured vehicle, depending on the number of past violations.[9]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Nevada
Sources
- Nevada Department of Motor Vehicles. "License Reinstatement."
- Nevada Department of Insurance. "Understanding Auto Insurance."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- Nevada Departments of Public Safety & Transportation. "Nevada Traffic Safety Crash Facts."
- III. "Senior driving safety and insurance tips."
- Insurance Institute for Highway Safety. "Teenagers."
- Nevada Department of Insurance. "Credit Scoring FAQs."
- Nolo. "Nevada Car Insurance Laws and Requirements."
- Nevada Department of Insurance. "Nevada Consumer’s Guide to Auto Insurance Rates."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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