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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Jean Lucey, CPCU

Faculty, IIAA Virtual University

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Jean Lucey has researched and written about insurance matters for well over 30 years. A current member of The Zebra's Insurance Expert Review Bo…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Here's what you need to know when driving in Nevada

Car insurance in Nevada costs $1,768 per year — $239 more than the national average rate. Factors such as your age, location, driving record and more are taken into account when insurance companies generate quotes — so your own rate may be higher or lower than this average.

In our guide to Nevada car insurance, we analyzed average car insurance rates to help you find a budget-friendly policy that meets your needs. Continue reading to find out how much auto insurance costs in Nevada so you know what a fair premium looks like depending on your own rating factors. If you're ready to see how much you can save by shopping around, submit your ZIP code above to get cheap quotes from top insurance companies.

The best car insurance companies in Nevada

Here are the top three car insurance companies in Nevada, according to third-party ratings from J.D. Power.

1st place medal

USAA received a score of 863 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study and also won top marks in The Zebra's Customer Satisfaction Survey.

2nd place medal
American Family

American Family was given a score of 850 out of 1,000, making it a top contender for the Southwest region.

3rd place medal
State Farm

One of the most popular insurance companies in the U.S., State Farm received a positive assessment in J.D. Power's study with a score of 847.

Key takeaways
  • Nevadans pay about 16% more for car insurance on average
  • The cheapest major car insurance company in Nevada is GEICO

The cheapest car insurance companies in Nevada

These companies offer the cheapest rates in the following scenarios.

Cheapest for full coverage — GEICO

The cheapest rates are from GEICO at $1,205 annually or $100 per month.

Cheapest for teen drivers — GEICO

For teen drivers in Nevada, GEICO is the most affordable.

Cheapest after DUI — Progressive

Progressive is the cheapest insurance company in Nevada for drivers with a DUI.

Company Avg. Annual Premium
GEICO $1,205
USAA $1,579
Progressive $1,587
State Farm $1,767
Nationwide $2,101
Farmers $2,524
Allstate $2,951

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Nevada auto insurance laws

Having car insurance is a requirement by law in Nevada and almost every state. Every driver must have at least the state minimum level of coverage in order to be road-legal, and also be able to show proof of insurance. Every state sets its own minimum limits for auto insurance.

Opting for the legal minimum coverage level is must more affordable than full coverage, but it can be risky — if you cause a catastrophic accident, you'd be caught in a situation where the minimum coverage isn't enough to cover all the damage, leaving you liable to cover the rest out-of-pocket. Having liability-only insurance also wouldn't cover any damage to your own vehicle. In Nevada, it costs about $723 every year for the state minimum level of coverage. This rate is less expensive than the nationwide average by 53%.

State minimum coverage

In order to drive legally in the state of Nevada, you must carry at least the minimum liability limits listed below:

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

Optional coverage in Nevada (varies by carrier):

  • Comprehensive
  • Collision
  • Gap coverage
  • Medical payments
  • Roadside assistance
  • Uninsured/underinsured motorist coverage
car with blue windshield

If you want more protection beyond the minimum, and coverage for your own car, you can opt for a policy with comprehensive and collision. This will protect you against the financial ramifications of car accidents, theft, vandalism or weather incidents. This is commonly known as full coverage.

Full coverage, however, comes at a higher cost. A full coverage insurance policy with a $1,000 deductible costs $1,648 in Nevada — that's 128% more than liability-only insurance. If you choose a full coverage policy with a $500 deductible, expect to pay 164% more than you would for basic coverage.

The Zebra's guide to Nevada car insurance laws

Learn more about car insurance requirements in the state of Nevada with our helpful guide.

Compare car insurance rates from the best companies in Nevada.

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Nevada car insurance premiums by rating factor

Rating factors such as your coverage level, age and driving history affect what you pay for car insurance. These will differ from person to person, and every company weighs these factors differently when generating quotes.

Consult average rates by rating factor below to get a better understanding of how much you can expect to pay in Nevada.

Cheap auto insurance in Nevada for minimum coverage

Getting liability-only coverage is much more affordable than full coverage. However, it can leave you at risk if you get in an accident. In Nevada, the average cost for minimum coverage is $60 per month, or $723 yearly — a savings of $1,186 compared to full coverage.

Company Avg. Annual Premium
GEICO $492
Progressive $576
USAA $634
State Farm $691
Nationwide $879
Farmers $1,107
Allstate $1,170

Cheap auto insurance in Nevada with bad credit

Almost every state includes credit score as a rating factor. Past data inform insurers that those with poor credit are more likely to file claims, making them riskier to insure. This is why drivers with bad credit are charged much higher rates. In Nevada, people with poor credit generally pay an additional $1,421 yearly compared to drivers with excellent credit. Consult sample rates from different insurance companies below and use this information as a jumping-off point in your search for affordable insurance with bad credit.

Company Avg. Annual Premium
GEICO $1,645
Progressive $2,309
Nationwide $2,945
USAA $3,399
State Farm $3,487
Farmers $3,963
Allstate $4,147

Cheap auto insurance in Nevada with an at-fault accident

It's no secret that causing an accident will make your car insurance more expensive. Like bad credit, a history of accidents and citations is another risk indicator. In Nevada, a recent at-fault accident can raise your rate by as much as $1,139 annually.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
GEICO $1,977
USAA $2,128
State Farm $2,256
Progressive $2,643
Nationwide $3,199
Farmers $3,593
Allstate $3,832

Cheap auto insurance for young drivers in Nevada

Teens and drivers in their 20s pay the most for car insurance compared to older age groups. This is due to younger drivers' relative inexperience on the road compared to older drivers. Teen drivers pay more than three times the national average rate. In Nevada, teens pay $6,557 per year, which is more than $5,000 over the national average and over three times as much as a Nevada driver in their 30s.

Company Avg. Annual Premium
GEICO $3,310
USAA $4,414
State Farm $6,363
Nationwide $6,609
Progressive $7,593
Allstate $8,724
Farmers $11,605

Nevada auto insurance rate by violation

Because every insurer's pricing standards are different, it's difficult to say how much exactly you can expect your rate to increase after getting a ticket or citation. Using data, however, we can provide general estimates.

See below for average auto insurance rates in Nevada after a variety of citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $2,229 0% $0
One Med/PIP claim $2,229 0% $0
Two Med/PIP claims $2,259 1% $30
One comp claim $2,265 2% $36
Not-at-fault accident $2,315 4% $86
Two comp claims $2,352 6% $123
Failure to wear a seat belt $2,516 13% $287
Failure to show documents $2,536 14% $307
Child safety restraint $2,548 14% $320
Driving without lights $2,573 15% $344
Driving with expired registration $2,584 16% $355
Cell phone violation $2,683 20% $455
Texting while driving $2,692 21% $463
Speeding 6 - 10 MPH over limit $2,695 21% $466
Speeding in school zone $2,700 21% $471
Speeding 11 - 15 MPH over limit $2,701 21% $473
Failure to yield $2,702 21% $473
Speeding 16 - 20 MPH over limit $2,705 21% $476
Failure to stop at a red light $2,706 21% $477
Illegal turn $2,706 21% $478
Driving too slowly $2,708 22% $480
Following too closely $2,721 22% $492
Wrong way/wrong lane $2,721 22% $492
Improper passing $2,754 24% $526
In 65 MPH zone $2,808 26% $579
Speeding 21 - 25 MPH over limit $2,875 29% $647
Passing school bus $2,887 30% $658
At-fault accident - less than $1000 $2,955 33% $727
Operating a vehicle without permission $2,982 34% $753
At-fault accident - $1000-$2000 $3,197 43% $968
At-fault accident - greater than $2000 $3,197 43% $968
Open container $3,245 46% $1,016
Refusal to submit to a chemical test $3,673 65% $1,444
Driving with a suspended license $3,761 69% $1,532
Racing $3,773 69% $1,544
DUI $3,816 71% $1,588
Reckless driving $3,828 72% $1,599
Leaving scene of an accident/hit and run $3,988 79% $1,759

Nevada DUI laws

If you get a DUI in Nevada, your premium can increase by over $1,500 annually. It can be a challenge to find affordable car insurance with a recent DUI on your record, as it often triggers a larger uptick in premium costs than many other citations.

Low-cost car insurance after a DUI in Nevada

It’s of the utmost importance to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Nevada. Car insurance premiums following a DUI can vary substantially by insurance company. For example, the least expensive car insurance company with a DUI in Nevada, Progressive, advertises annual rates 41% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Nevada is GEICO, while the most expensive is Nationwide, with prices 5% above average.

Company Avg. Annual Premium
Progressive $2,241
GEICO $2,587
State Farm $2,923
USAA $3,279
Allstate $3,802
Farmers $3,877
Nationwide $4,024

The truth is that finding a cheap car insurance quote after a DUI that's as low as the one you'd get without a DUI on your record is unlikely. The recommended way to save after a DUI citation is to shop around with as many companies as possible.


Nevada SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Nevada to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Nevada might require some research, but it should be doable.


How to acquire an SR-22 in Nevada

For currently insured drivers

If you already have an active auto insurance policy, requesting an SR-22 is fairly straightforward. Call your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should shop around for a new auto insurance company.


For uninsured drivers

When filing for a new policy, you might have to pay an up-front fee to have your prospective insurer file an SR-22 request for you and provide coverage for your high-risk driving profile. Needing an SR-22 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.


For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.

Find an affordable policy in Nevada in minutes!

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Rates by city

Car insurance companies calculate your rate based on many factors, and an important one is the location of the vehicle. The cheapest car insurance in Nevada is found in Fallon and the most expensive in Winchester.

Have a look at the table below to see average car insurance costs in some of Nevada's biggest cities.

City Avg. Annual Premium
Reno $1,869
Henderson $2,510
North Las Vegas $2,842
Las Vegas $2,856
Paradise $2,867

Car insurance price trends in Nevada

In Nevada, average annual auto insurance costs increased by $24 in the past year. A typical Nevada driver pays an average of $1,768 per year.

Year over year pricing trends in Nevada tend to be more volatile compared to rates across the United States. The highest surge of over $500 occurred in 2016, while the most notable decrease took place in 2012. While the cost of car insurance has overall increased over the past 10 years in Nevada, premiums have come down from their peak in recent years, especially in 2020.

Year Avg. Annual Premium — Nevada Yearly Change — Nevada Avg. Annual Premium — US Yearly Change — US
2021 $1,768 $24 $1,529 $46
2020 $1,744 -$248 $1,483 -$61
2019 $1,992 $88 $1,544 $23
2018 $1,904 $58 $1,521 $84
2017 $1,846 $49 $1,437 $69
2016 $1,797 $512 $1,368 $88
2015 $1,285 $66 $1,280 $51
2014 $1,219 $30 $1,229 $34
2013 $1,189 $4 $1,195 -$80
2012 $1,185 -$299 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Nevada car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Nevada auto insurance.

GEICO ($1,205/year) and USAA ($1,579) offer the cheapest car insurance policies for full coverage in Nevada.

Your insurance rate will vary based on you and your location. For the average driver with no tickets or accidents, a full coverage policy in Nevada costs $1,768 annually.

Car insurance in Nevada is 16% more expensive than it is across the U.S. This is due to the number of claims and uninsured drivers in the state. If you're looking to lower your premium, use our comparison tool to view your options side-by-side.

Save money on your next car insurance policy!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.