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Compare Cheap Car Insurance in Nevada

Whether you're commuting through Reno traffic or cruising desert highways, these Nevada insurers won't break your budget.
Updated Oct. 17, 2025
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Affordable auto insurance providers in Nevada include State Farm, USAA, and Allstate.

Nevada drivers typically spend $243 each month for full-coverage auto insurance, compared to a nationwide average of $186. Your premium depends on your age, driving history, and where you live, among other factors, but these averages can give you an idea of what you might pay. 

Below, we detail Nevada's most economical car insurance options from budget-friendly companies for different types of coverage and drivers. Get personalized quotes from several insurance carriers when you're ready to sign up for coverage.

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Affordable full-coverage car insurance in Nevada

Full-coverage insurance costs Nevada drivers an average of $243 monthly, compared to $186 nationally. Among the cheapest car insurance providers offering full-coverage protection, State Farm, USAA, and Allstate offer competitive rates.

Average monthly full coverage cost
Nevada average $243
National average $186
State Farm $98
USAA $138
Allstate $176
Safeco $204

Affordable liability-only car insurance in Nevada

For drivers seeking the most affordable liability car insurance providers, State Farm, USAA, and Allstate again provide low prices throughout Nevada.

Liability-only protection averages $159 per month in Nevada, while the national average is $104.

Average monthly liability-only cost
Nevada average $159
National average $104
State Farm $75
USAA $104
Allstate $134
Mercury $159

Cheap car insurance in Nevada by age

Age plays a substantial role in calculating insurance costs. Car insurance for teens, for instance, commands the steepest premiums, averaging $416 per month. Why? Because teens are newer drivers considered to pose more risk.

Premiums decline as drivers enter their twenties, averaging $313 per month. The downward trend continues through the thirties and forties, with monthly costs settling around $262 and $251 respectively.

Rates may increase again once drivers reach their sixties and beyond, but seniors generally enjoy relatively low rates. Nevada seniors typically pay $195 monthly in their sixties and $216 in their seventies. Older drivers sometimes face higher premiums due to health factors and changing driving patterns.

Age group Average monthly full coverage cost Average monthly liability-only cost
Teens $416 $274
20s $313 $206
30s $262 $172
40s $251 $165
50s $237 $156
60s $195 $128
70s $216 $142

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Cheap car insurance in Nevada for high-risk drivers

Drivers with traffic violations or accidents face steeper insurance premiums. Below are Nevada's average rates for motorists with an accident, speeding citation, or DUI conviction, based on prices for car insurance if you have a bad driving record.

Violation Average monthly full coverage cost Average monthly liability-only cost
Accident $300 $197
Speeding ticket $290 $190
DUI $391 $257

Compare low-cost car insurance after an accident

Nevada drivers with accidents in their driving history can also find affordable coverage through State Farm, USAA, and Allstate. Full-coverage policies for those with an accident average $300 per month.

Company Average monthly full coverage cost Average monthly liability-only cost
State Farm $123 $94
USAA $175 $132
Allstate $223 $169

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Compare low-cost car insurance after a speeding ticket

Motorists with speeding violations benefit from competitive Nevada rates through State Farm, USAA, and Allstate. Full coverage with a speeding ticket on record costs an average of $290 monthly.

Company Average monthly full coverage cost Average monthly liability-only cost
State Farm $120 $91
USAA $170 $129
Allstate $219 $166

Compare low-cost car insurance after DUI conviction

Following a DUI conviction in Nevada, State Farm, USAA, and Allstate offer lower rates on full-coverage options. Drivers with DUI records face average full-coverage rates of $391.

Company Average monthly full coverage cost Average monthly liability-only cost
State Farm $150 $115
USAA $211 $160
Allstate $270 $205

Cheap car insurance in Nevada by credit score

Nevada motorists with excellent credit scores pay approximately $205 per month for full coverage. Those with poor credit pay significantly higher premiums, starting at $297 per month.

This pricing disparity demonstrates how credit influences insurance costs. Lower credit scores correlate with higher premiums because insurers assess payment risk.

Credit score Average monthly cost of full coverage Average monthly cost of liability-only
Excellent $205 $135
Good $228 $150
Average $260 $171
Poor $297 $195

FAQs

What are Nevada's minimum car insurance requirements?

Nevada requires drivers to carry liability insurance with minimum limits of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 per accident for property damage. This 25/50/20 coverage is the legal minimum to drive in the state, and it's pretty standard across the country. 

However, these limits may not provide adequate financial protection in serious accidents, especially given Nevada's high rates of vehicle theft and heavy tourism traffic in cities like Las Vegas.

What happens if I drive without insurance in Nevada?

Driving without insurance is illegal in Nevada and carries serious consequences. Penalties include license and vehicle registration suspension, fines ranging from $250 to $1,750 per uninsured vehicle, depending on prior violations. You may also be required to file for SR-22 insurance.

Nevada is an at-fault state, meaning the driver who causes an accident is financially responsible for injuries and damages to others involved.

Can I get car insurance in Nevada if I've been denied coverage?

If you're denied auto insurance through the voluntary market due to DUIs, poor credit, multiple violations, or other high-risk factors, Nevada offers the Nevada Automobile Insurance Plan as a last resort option. This state-administered program ensures that all drivers can obtain coverage regardless of their risk level, allowing them to meet Nevada's mandatory insurance requirements and drive legally. This safety net distinguishes Nevada from states without guaranteed coverage programs.

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Bottom line

Although these insurers offer Nevada's most competitive rates overall, your personal situation may produce different results. Obtaining quotes from multiple carriers and evaluating both pricing and service quality is your most effective strategy for finding your coverage and pricing sweet spot.


Data throughout provided by Insurify

Save On Your Auto Insurance
  • You could save up to $600 with some companies.
  • Compare dozens of providers in under 5 minutes.
  • Fast, free, and easy way to shop for insurance.
  • Quickly find the perfect rate for you.

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