Cheapest Car Insurance in Nevada (2025)
Best cheap car insurance in Nevada
Cheapest full-coverage car insurance in Nevada: Travelers
USAA is slightly cheaper at $161 a month. However, USAA is only available to the military community and their families.
Full-coverage auto insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Travelers | $2,005 |  |
 | State Farm | $2,294 | |
 | Progressive | $2,723 |  |
 | Geico | $3,629 |  |
 | Allstate | $3,675 |  |
 | American Family | $4,269 | |
 | Farmers | $5,183 | |
 | AAA | $5,233 |  |
 | USAA* | $1,937 | |
Full-coverage car insurance includes collision Collision covers damage to your car from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft or damage from non-collision causes, including vandalism, fire and flood. . It costs an average of $287 a month.
Your actual rate depends on factors like your driving record, age and credit. Each company weighs these factors differently, which is why rates can vary so much. This makes it good to compare car insurance quotes from a few different companies when you buy or renew your policy.
Cheap Nevada liability car insurance: Travelers
State Farm and Progressive have the next-cheapest liability insurance Liability covers injuries and property damage you cause to other people and their property. It’s required by law. rates at $92 a month and $95 a month, respectively.
Progressive offers a few more car insurance discounts than Travelers and State Farm. These could make Progressive a cheaper option than the other companies.
Liability auto insurance rates
| Company | Annual rate |
|---|---|
| Travelers | $980 |
| State Farm | $1,098 |
| Progressive | $1,145 |
| Geico | $1,336 |
| Allstate | $2,009 |
| AAA | $2,011 |
| American Family | $2,263 |
| Farmers | $2,389 |
| USAA* | $798 |
Nevada’s cheapest auto insurance for young drivers: Travelers
Travelers has the cheapest car insurance for teens at $251 a month for liability coverage. Progressive has the next-cheapest liability rates for teens at $297 a month.
Travelers also has Nevada’s cheapest full-coverage rates for teens at $478 a month. State Farm has the next-cheapest full coverage for teens at $582 a month.
| Company | Liability | Full coverage |
|---|---|---|
| Travelers | $3,010 | $5,733 |
| Progressive | $3,566 | $8,569 |
| State Farm | $3,779 | $6,980 |
| Geico | $3,912 | $8,703 |
| American Family | $6,192 | $10,365 |
| AAA | $6,327 | $13,052 |
| Allstate | $8,747 | $15,104 |
| Farmers | $9,196 | $19,407 |
| USAA* | $2,231 | $4,824 |
Young drivers usually get cheaper rates when added to a parent’s car insurance than they do on their own. Several insurance companies also give teens discounts for:
- Getting good grades
- Completing a driver’s training program
- Going off to college without a car
Travelers and State Farm offer all three of these discounts. Progressive doesn’t offer a driver training discount, but it has the other two discounts.
Progressive also gives parents a discount just for adding a child under 18 to your policy.
Cheap Nevada auto insurance after a ticket: State Farm
A speeding ticket raises the average cost of car insurance in Nevada by 24%. However, these price increases vary by company. This is why it’s important to shop around for cheap insurance if you have a bad driving record.
Car insurance rates after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $2,503 |
| Travelers | $2,509 |
| Progressive | $3,585 |
| Allstate | $4,105 |
| Geico | $4,379 |
| American Family | $5,588 |
| Farmers | $6,504 |
| AAA | $6,913 |
| USAA* | $2,270 |
Best Nevada car insurance rates after an accident: State Farm
In Nevada, an at-fault accident raises the average cost of car insurance by 53% to $438 a month, or $5,260 a year.
Auto insurance rates after an accident
| Company | Annual rate |
|---|---|
| State Farm | $2,294 |
| Travelers | $2,775 |
| Progressive | $4,034 |
| Allstate | $5,146 |
| Geico | $5,799 |
| American Family | $7,464 |
| Farmers | $7,855 |
| AAA | $9,346 |
| USAA* | $2,626 |
Cheap Nevada car insurance for bad teen drivers: Travelers and State Farm
At $318 a month, Travelers has the cheapest liability rates for most teens with a speeding ticket. This is only slightly less than Progressive’s rate of $329 a month.
State Farm has the cheapest rates for teens with an accident at $315 a month. Progressive has the next-cheapest rate at $343 a month.
Annual teen insurance rates after a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Travelers | $3,820 | $4,354 |
| Progressive | $3,952 | $4,121 |
| State Farm | $4,199 | $3,779 |
| Geico | $4,343 | $5,809 |
| American Family | $7,554 | $10,532 |
| AAA | $8,631 | $12,211 |
| Allstate | $10,081 | $10,958 |
| Farmers | $10,524 | $12,533 |
| USAA* | $2,415 | $2,564 |
Nevada’s cheapest DUI car insurance: Travelers
Drivers with a driving under the influence (DUI) conviction pay an average of $481 a month for car insurance, or $5,772 a year.
DUI car insurance rates
| Company | Annual rate |
|---|---|
| Travelers | $2,951 |
| Progressive | $4,402 |
| Allstate | $5,047 |
| State Farm | $6,042 |
| Geico | $6,886 |
| American Family | $7,324 |
| AAA | $7,411 |
| Farmers | $7,973 |
| USAA* | $3,915 |
Best Nevada car insurance rates for bad credit: Travelers
Progressive has the next-cheapest rates for drivers with bad credit at $366 a month.
Auto insurance rates with bad credit
| Company | Annual rate |
|---|---|
| Travelers | $3,269 |
| Progressive | $4,396 |
| Geico | $5,608 |
| Allstate | $6,557 |
| American Family | $6,766 |
| AAA | $7,710 |
| Farmers | $8,216 |
| State Farm | $10,287 |
| USAA* | $4,078 |
Nevada’s best car insurance companies
Travelers offers more coverage options than State Farm. For example, Travelers offers gap insurance You may need gap insurance is you owe more for your car than it’s worth. This can happen if your loan has a low down payment, or no down payment at all. and accident forgiveness Accident forgiveness protects you from a rate increase after your first accident. You have to add it to your policy before you have an accident. It usually costs extra. , which State Farm does not have.
On the other hand, State Farm has a better overall customer satisfaction rating from J.D. Power than Travelers. These scores are based on customer surveys rating insurance companies on things like price, coverage options and convenience.
Nevada auto insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| AAA | 658 | A | |
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Nevada car insurance rates by city
The Clark County town of Winchester has the state’s most expensive full-coverage rate at $398 a month. This is 39% higher than the state average.
Las Vegas drivers pay an average of $368 a month, which is 29% higher than the state average.
In Reno, car insurance rates average $230 a month, or 20% less than the state average. Carson City drivers pay an average of $199 a month.
Car insurance rates near you
| City | Annual rate | City vs. state difference |
|---|---|---|
| Alamo | $2,689 | -22% |
| Amargosa Valley | $2,897 | -16% |
| Austin | $2,450 | -29% |
| Baker | $2,528 | -26% |
| Battle Mountain | $2,368 | -31% |
| Beatty | $2,714 | -21% |
| Blue Diamond | $3,665 | 7% |
| Boulder City | $3,249 | -6% |
| Bunkerville | $2,746 | -20% |
| Cal Nev Ari | $2,981 | -13% |
| Caliente | $2,791 | -19% |
| Carlin | $2,412 | -30% |
| Carson City | $2,392 | -30% |
| Cold Springs | $2,692 | -22% |
| Coyote Springs | $3,562 | 4% |
| Crescent Valley | $2,439 | -29% |
| Crystal Bay | $2,741 | -20% |
| Dayton | $2,322 | -32% |
| Deeth | $2,497 | -27% |
| Denio | $2,335 | -32% |
| Duckwater | $2,514 | -27% |
| Dyer | $2,539 | -26% |
| East Valley | $2,416 | -30% |
| Elko | $2,433 | -29% |
| Ely | $2,460 | -28% |
| Empire | $2,475 | -28% |
| Enterprise | $4,307 | 25% |
| Eureka | $2,481 | -28% |
| Fallon | $2,466 | -28% |
| Fallon Station | $2,267 | -34% |
| Fernley | $2,365 | -31% |
| Fish Springs | $2,418 | -30% |
| Gabbs | $2,477 | -28% |
| Gardnerville | $2,408 | -30% |
| Gardnerville Ranchos | $2,401 | -30% |
| Genoa | $2,458 | -29% |
| Gerlach | $2,468 | -28% |
| Glenbrook | $2,686 | -22% |
| Golconda | $2,373 | -31% |
| Golden Valley | $2,793 | -19% |
| Goldfield | $2,622 | -24% |
| Hawthorne | $2,386 | -31% |
| Henderson | $3,787 | 10% |
| Hiko | $2,704 | -21% |
| Imlay | $2,360 | -31% |
| Incline Village | $2,731 | -21% |
| Indian Hills | $2,390 | -30% |
| Indian Springs | $3,284 | -4% |
| Jackpot | $2,487 | -28% |
| Jean | $3,483 | 1% |
| Johnson Lane | $2,343 | -32% |
| Kingsbury | $2,682 | -22% |
| Lakeridge | $2,683 | -22% |
| Lamoille | $2,465 | -28% |
| Las Vegas | $4,422 | 29% |
| Laughlin | $2,866 | -17% |
| Lemmon Valley | $2,756 | -20% |
| Logandale | $3,068 | -11% |
| Lovelock | $2,339 | -32% |
| Lund | $2,457 | -29% |
| Luning | $2,469 | -28% |
| Manhattan | $2,544 | -26% |
| Mc Dermitt | $2,399 | -30% |
| McGill | $2,462 | -28% |
| Mercury | $3,100 | -10% |
| Mesquite | $2,928 | -15% |
| Mina | $2,490 | -28% |
| Minden | $2,347 | -32% |
| Moapa | $3,129 | -9% |
| Moapa Valley | $3,133 | -9% |
| Mogul | $2,683 | -22% |
| Montello | $2,454 | -29% |
| Mountain City | $2,536 | -26% |
| Nellis AFB | $4,454 | 30% |
| Nixon | $2,567 | -25% |
| North Las Vegas | $4,407 | 28% |
| Orovada | $2,423 | -30% |
| Overton | $3,160 | -8% |
| Owyhee | $2,526 | -27% |
| Pahrump | $3,229 | -6% |
| Panaca | $2,742 | -20% |
| Paradise | $4,475 | 30% |
| Paradise Valley | $2,408 | -30% |
| Pioche | $2,727 | -21% |
| Reno | $2,758 | -20% |
| Round Hill Village | $2,654 | -23% |
| Round Mountain | $2,447 | -29% |
| Ruby Valley | $2,467 | -28% |
| Ruhenstroth | $2,423 | -30% |
| Ruth | $2,489 | -28% |
| Sandy Valley | $3,453 | 0% |
| Schurz | $2,412 | -30% |
| Searchlight | $2,955 | -14% |
| Silver City | $2,404 | -30% |
| Silver Springs | $2,368 | -31% |
| Silverpeak | $2,514 | -27% |
| Sloan | $3,895 | 13% |
| Smith | $2,335 | -32% |
| Spanish Springs | $2,634 | -23% |
| Sparks | $2,745 | -20% |
| Spring Creek | $2,446 | -29% |
| Spring Valley | $4,578 | 33% |
| Stagecoach | $2,363 | -31% |
| Stateline | $2,679 | -22% |
| Summerlin South | $4,082 | 19% |
| Sun Valley | $2,815 | -18% |
| Sunrise Manor | $4,727 | 37% |
| Tonopah | $2,565 | -25% |
| Topaz Ranch Estates | $2,360 | -31% |
| Tuscarora | $2,467 | -28% |
| Valmy | $2,411 | -30% |
| Verdi | $2,740 | -20% |
| Virginia City | $2,407 | -30% |
| Wadsworth | $2,487 | -28% |
| Washoe Valley | $2,557 | -26% |
| Wellington | $2,322 | -32% |
| Wells | $2,415 | -30% |
| West Wendover | $2,436 | -29% |
| Whitney | $4,403 | 28% |
| Winchester | $4,781 | 39% |
| Winnemucca | $2,270 | -34% |
| Yerington | $2,288 | -33% |
| Zephyr Cove | $2,656 | -23% |
Minimum coverage for car insurance in Nevada
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $20,000
You can’t register your vehicle in Nevada without proof of insurance. The state also uses an online system to verify the insurance status of registered vehicles.
The penalties for driving without insurance in Nevada include a fine and reinstatement fee. You also have to get SR-22 car insurance to reinstate your license if you are uninsured for more than 90 days.
Nevada SR-22 insurance requirements
An SR-22 is a form that your insurance company files with the state after you buy your policy. When you shop for SR-22 insurance, you should tell the insurance companies you contact for quotes about your SR-22 requirement.
Some companies don’t offer SR-22 insurance. Some add a small filing fee to your rate. The exact price you pay for SR-22 insurance depends largely on the incident that led to the filing requirement. You’ll pay more after a DUI than you will after an insurance violation.
Insurance companies also take factors like your credit, age and location into account when they calculate your rate. Depending on your situation, these other factors may help you get a cheaper rate. Comparing quotes from at least three different companies is a good way to find cheap SR-22 insurance.
Frequently asked questions
The average cost of car insurance in Nevada is $3,439 a year, or $287 a month. Minimum-coverage policies cost an average of $130 a month statewide.
No. Nevada has traditional at-fault driving laws. You are financially responsible for injuries and property damage you cause in a car accident. However, the amounts you owe may be reduced if the other driver is partially at fault.
Travelers has the cheapest car insurance for most Nevada drivers. Its full-coverage rates average $167 a month. USAA is cheapest overall at $161 a month. However, USAA is only available to military families.