From cruising the Las Vegas Strip to skiing Lake Tahoe, stargazing in Great Basin National Park, or exploring more than 600 Wild West ghost towns, Nevada has options for people who want to explore by car. However, car insurance in the Silver State tends to be more expensive than in other states, but you can still find some deals.
- Key takeaways
- Best car insurance companies in Nevada
- USAA: Highest customer satisfaction
- State Farm: Most affordable coverage
- Progressive: Best for lowest deductible
- GEICO: Best for high-risk drivers
- Allstate: Best for multi-driver discounts
- Nevada auto insurance requirements
- How to choose a car insurance provider in Nevada
- How much does car insurance cost in Nevada?
- Nevada car insurance rates by city
- FAQs about car insurance costs in Nevada
- The best car insurance in Nevada is State Farm, which costs $1,221 per year for comprehensive coverage.
- Drivers with a clean driving record pay an average of $152 per month in Nevada.
- Senior drivers in Nevada pay an average of $2,325 yearly for full coverage insurance.
Best car insurance companies in Nevada
In Nevada, full coverage car insurance generally costs an average of $1,829 a year. Drivers who use State Farm may pay significantly less; it averages $1,221 per year. Drivers who use American Family will likely spend a lot more, an average of $2,955 yearly for full coverage.
|J.D. Power customer satisfaction rating
|Estimated annual full coverage
|Estimated annual minimum liability coverage
USAA: Highest customer satisfaction
USAA earned high customer satisfaction marks on our list of the best car insurance companies, but it is only available to current or former military members and their families. If you qualify, it has standard and some specialty policies. It is also the state’s most affordable minimum coverage option but was not the cheapest for full coverage.
- USAA has the most affordable minimum coverage in Nevada
- Its SafePilot program could help you save 30% for being a safe driver
- Some competitors have more coverage and discount options
- USAA policies are not available to everyone
State Farm: Most affordable coverage
In Nevada, State Farm is the lowest-cost option for full coverage and the second lowest cost for minimum insurance. State Farm customers pay an average of $1,221 yearly for full coverage and $722 for the state’s minimum coverage. Even though State Farm had the most affordable policies, it earned second place in customer satisfaction.
- Multiple agents and offices throughout Nevada
- It has many policy options, including emergency roadside coverage
- State Farm’s annual minimum insurance costs more than some competitors
- You may find more discount options with a competitor
Progressive: Best for lowest deductible
Although Progressive is not the lowest-cost option, it offers a vanishing deductible program and is the lowest-cost option in Nevada with that add-on. If Progressive customers drive without an accident during the policy term, they may be able to reduce their deductible by $50 every six months or $100 once a year if their policy is renewed annually.
- Progressive has standard and specialty coverages, including accident forgiveness
- Offers multiple discounts, including an average savings of 12% for insuring more than one car
- Progressive has a lower customer satisfaction rating than some carriers in Nevada
- It had above-average annual costs on minimum liability coverage
GEICO: Best for high-risk drivers
High-risk drivers in Nevada pay an average of $2,623 annually for full coverage, hundreds more than the state average of $1,829. Drivers with DUIs, speeding tickets, or at-fault accidents on their records may find GEICO’s coverage helpful since it can file SR22 forms with the required state office on your behalf.
- GEICO has multiple policy options, including mechanical breakdown insurance
- It has multiple discount options, including retired government and military discounts
- It has only three agents in Nevada, located in the Las Vegas area
- GEICO had below-average customer satisfaction scores
Allstate: Best for multi-driver discounts
Allstate offers a variety of discounts to Nevada drivers, including a 25% discount if you purchase a home and auto policy together. Additionally, Allstate offers discounts for new cars, having the latest safety features on your vehicle, and being a good student. However, it was a more expensive option, charging an average of $1,809 annually for full coverage, compared to the national average of $1,582.
- Allstate offers multiple policy add-ons, including a vanishing deductible program
- It has multiple agents in Nevada
- It was the second most expensive option in Nevada
- Allstate earned the lowest customer satisfaction score on our list
Nevada auto insurance requirements
Nevada drivers are required to meet the state’s minimum insurance requirements to drive legally:
- $25,000 in bodily liability insurance for one person
- $50,000 in bodily liability insurance for two or more people
- $20,000 for property damage liability
How to choose a car insurance provider in Nevada
When you’re looking for a new car insurance provider, it’s essential to keep a few things in mind:
- Check pricing and discounts: Get quotes from multiple companies to compare pricing and discounts. Ensure the policy amounts and coverage options are similar across all quotes for an accurate comparison, and double-check you’re getting all the discounts you qualify for before you sign up for a policy.
- Check financial stability: Before signing up with a company, check its financial security (and ability to pay claims) on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Nevada Division of Insurance or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed to do business in Nevada.
- Ask for reviews: Check review websites like the Better Business Bureau to see what existing customers say. Ask friends and family for recommendations, and avoid signing up with a company with multiple complaints.
How much does car insurance cost in Nevada?
The average cost of car insurance in Nevada is $1,829 for full coverage and $1,067 for minimum liability insurance. Perhaps unsurprisingly, drivers in Sin City (Las Vegas) tend to pay the most for car insurance, an annual average of $3,032. Drivers in Fernley, about 90 minutes outside Lake Tahoe, only spend an average of $1,770 yearly.
Nevada car insurance rates by city
What you pay for car insurance can be affected by the population and crime rate of where you live. For example, NeighborhoodScout gave Henderson a crime index score of 23, meaning it is safer than 23% of the rest of the U.S., while giving Carson City a 35.
Comparatively, Henderson pays more for car insurance than Carson City, with an annual average of $2,581 compared to $1,848, likely due in part to the higher crime rates and potential for more claims.
|Avg. annual full-coverage premium
Our analysis was conducted using six different auto insurance marketplaces to determine the best 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 Nevada
What are the minimum car insurance coverage requirements in Nevada?
Nevada's minimum car insurance coverage requirements are $25,000 in bodily liability insurance for one person and $50,000 in bodily liability insurance for two or more people. Drivers must also carry $20,000 for property damage liability.
How much does car insurance cost in Nevada?
The average cost of car insurance in Nevada is $1,829 for full coverage and $1,067 for the state minimum requirements.
Which car insurance companies cover Nevada?
Many nationally known car insurance companies cover Nevada, including State Farm, USAA, American Family, GEICO, and Allstate.
What is the cheapest car insurance company in Nevada?
The cheapest car insurance company in Nevada is State Farm, which costs an average of $1,221 for full coverage and $722 for minimum coverage annually.