Whether you want to enjoy the scenic desert or take advantage of the nightlife, Nevada can be an exciting place to live. But if you’ve moved to the Silver State, you may be surprised by how expensive car insurance is within the state.
The average cost of full coverage car insurance in Nevada is $1,829, which compares to a national average of $1,582. And factors like your age, credit score, and driving record could cause you to pay even more.
- Key takeaways
- How much does car insurance cost in Nevada?
- Average cost of car insurance in Nevada by provider
- How does credit score affect car insurance rates in Nevada?
- Average car insurance rates for high-risk drivers in Nevada
- How does age affect car insurance rates in Nevada?
- Nevada car insurance rates by city
- NV’s minimum car insurance requirements
- How to save money on car insurance in Nevada
- FAQs about car insurance costs in NV
- The average cost of car insurance in Nevada is $1,829 per year for full coverage.
- State-minimum car insurance averages $1,067 per year.
- Teen drivers cost $5,396 per year for full coverage, on average.
How much does car insurance cost in Nevada?
In Nevada, the average cost of full coverage policies that include collision, comprehensive, and liability insurance is $1,829 per year — compared to a national average of $1,829. State-minimum liability policies average $1,067 per year.
Car insurance in Nevada is more expensive for several reasons, but one of the significant factors is the high percentage of uninsured drivers. According to the Insurance Research Council, 10.4% of drivers in the state are uninsured, so those with insurance pay higher premiums.
|Avg. cost for full coverage||Avg. cost for minimum coverage||Cheapest insurance provider|
|Avg. for young drivers||Avg. cost for seniors||Avg. for high-risk drivers|
Average cost of car insurance in Nevada by provider
When shopping for a car insurance provider, you have multiple options. Several well-known companies issue policies within the state, including GEICO and Allstate.
Generally, State Farm had the lowest average premiums for full coverage policies, and USAA was the cheapest for state-minimum coverage.
|Provider||Full coverage||Minimum liability coverage|
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How does credit score affect car insurance rates in Nevada?
Your credit score plays a big role in determining your car insurance premiums. In Nevada, insurance companies can consider your score when setting rates, so the worse your credit score is, the more you’ll have to pay.
We found that the average premiums for those with poor credit were more than double those with excellent credit, so making an effort to improve your credit score is worth your while.
|Credit health||Avg. annual premium|
Average car insurance rates for high-risk drivers in Nevada
Engaging in reckless behaviors can cost you in Nevada. If you have a single at-fault accident, your premiums can increase by an average of $1,614 per year. And your premiums may almost double after one driving under the influence (DUI) conviction.
|Violation||Avg. annual premium before violation*||Avg. annual premium after violation||Avg. cost increase|
*Assumes clean driving record with good credit
How does age affect car insurance rates in Nevada?
In most states, teens and young adults pay much more for car insurance than other adults. They’re statistically more likely to be involved in accidents, so insurers tend to charge them higher premiums to compensate them for the higher risk.
Drivers that are 18 will pay an average of $5,396 per year.
|Age||Avg. annual premium|
Nevada car insurance rates by city
Las Vegas is one of the best-known cities in the country, and it’s a major tourist destination. Unfortunately, residents in that city will have to pay significantly more for car insurance; the average premium is $3,032 per year for full coverage, compared to a state average of $1,829.
Why is it so expensive? According to NeighborhoodScout, Las Vegas’ crime rating is 10, meaning 90% of cities in the U.S. are safer. And the city is densely populated with significant traffic, so you’re more likely to be in an accident or a victim of theft.
|City||Avg. annual full-coverage premium|
NV’s minimum car insurance requirements
All drivers in Nevada must have car insurance, and the policy must meet the following minimums:
- $25,000 in bodily injury protection for one person
- $50,000 in bodily injury protection for two or more people
- $20,000 in property damage protection
How to save money on car insurance in Nevada
You can save money on your premiums in the Silver State by following these tips:
- Sign up for pay-per-mile coverage: With pay-per-mile policies, you could save money on your premiums by enrolling in a telematics program. If you drive less often than most or have safe driving habits, you could qualify for significant discounts. In Nevada, pay-per-mile insurance is available from companies like Root and Progressive.
- Talk to your agent: If your premiums are too high, call or email your agent. They may have ideas for reducing your premiums, such as enrolling you in discount programs for safe drivers or increasing your deductible.
- Get quotes from other companies: If it’s been a while since you shopped for auto insurance, request quotes from the best car insurance companies. You may be surprised by how much cheaper coverage is with another insurer.
Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.
FAQs about car insurance costs in NV
Is car insurance expensive in NV?
Compared to the national average, car insurance is more expensive in Nevada. The average premium for full coverage insurance is $1,829 per year, compared to a national average of $1,582.
How much is car insurance per year in NV?
The average cost of car insurance in Nevada is $1,829 per year for full coverage policies. State-minimum policies average $1,067 per year.