Cheapest Car Insurance in Nevada (2024)
State Farm is the cheapest car insurance company in Nevada for most drivers, including those with prior traffic violations and young drivers.
Travelers has the cheapest car insurance for Nevada drivers with poor credit or a DUI (driving under the influence) conviction on their records.
| Coverage/driver type | Cheapest company | Average annual rate |
|---|---|---|
| Full coverage | State Farm | $1,438 |
| Liability coverage | State Farm | $753 |
| Young driver | State Farm | $4,311 |
| Speeding ticket | State Farm | $1,536 |
| At-fault accident | State Farm | $1,676 |
| DUI | Travelers | $2,934 |
| Poor credit | Travelers | $3,251 |
Cheapest full-coverage car insurance in Nevada: State Farm
State Farm has the cheapest full-coverage car insurance rates in Nevada, offering an average rate of $120 a month.
USAA comes in second, with rates that average $145 a month, but only current and veteran military members and their families can buy USAA insurance.
| Company | Average annual rate |
|---|---|
| State Farm | $1,438 |
| Travelers | $1,995 |
| Progressive | $2,259 |
| Geico | $2,400 |
| Allstate | $2,875 |
| Farmers | $4,181 |
| American Family | $4,497 |
| AAA | $5,243 |
| USAA* | $1,735 |
Full-coverage car insurance typically includes liability, comprehensive and collision coverages. Combined, these coverages protect you from damage to your vehicle and your own injuries, as well as injuries and damage you may cause to others.
Cheapest Nevada liability car insurance: State Farm
State Farm is the cheapest liability car insurance company for most Nevada drivers, charging $63 a month, on average. USAA is even cheaper, but again, only those with military ties qualify.
| Company | Average annual rate |
|---|---|
| State Farm | $753 |
| Geico | $974 |
| Travelers | $977 |
| Progressive | $978 |
| Allstate | $1,538 |
| Farmers | $2,015 |
| AAA | $2,016 |
| American Family | $2,347 |
| USAA* | $711 |
Liability car insurance covers injuries you cause to others in a car accident. It also pays for damage you cause to someone else’s vehicle or property.
It won’t cover your own injuries or damage to your own car. To cover your own injuries, you need health insurance, personal injury protection and/or medical payments coverage.
Another driver’s liability coverage may help, too, if they caused the accident. For damage to your car, you need collision or comprehensive coverage.
Cheapest rates for young drivers in Nevada: State Farm
State Farm is the best source of cheap car insurance for young drivers in Nevada. It charges $216 a month, on average, for liability coverage and $359 a month for full coverage.
Cheapest liability coverage for teen drivers
| Company | Average annual rate |
|---|---|
| State Farm | $2,592 |
| Geico | $2,856 |
| Travelers | $2,994 |
| Progressive | $5,333 |
| American Family | $6,031 |
| Allstate | $6,298 |
| AAA | $6,344 |
| Farmers | $7,715 |
| USAA* | $1,974 |
Geico has the second-cheapest liability car insurance for most young or teen drivers in Nevada, at an average of $238 a month. Travelers is the second-best option for full coverage, with rates averaging $475 a month.
Cheapest full coverage for teen drivers
| Company | Average annual rate |
|---|---|
| State Farm | $4,311 |
| Travelers | $5,699 |
| Geico | $5,996 |
| American Family | $10,066 |
| Allstate | $11,497 |
| AAA | $13,079 |
| Progressive | $13,248 |
| Farmers | $15,725 |
| USAA* | $4,300 |
Teens and other young drivers pay high car insurance rates because they tend to get into more accidents than do older drivers. Your car insurance rates will go down as you age, though – especially after you turn 25.
Young and teen drivers often pay less for car insurance if a parent adds them to their policy.
Cheapest rates after a speeding ticket in Nevada: State Farm
State Farm is the cheapest car insurance company in Nevada for drivers with a speeding ticket or similar violation on their records, with an average rate of $128 a month.
The average Nevada driver with a speeding ticket on their record pays $309 a month for full-coverage car insurance. That’s 25% more than a driver with a clean record pays.
| Company | Average annual rate |
|---|---|
| State Farm | $1,536 |
| Travelers | $2,495 |
| Geico | $2,895 |
| Progressive | $2,980 |
| Allstate | $3,200 |
| Farmers | $5,215 |
| American Family | $6,075 |
| AAA | $6,926 |
| USAA* | $2,030 |
Cheapest rates after an accident in Nevada: State Farm
For cheap car insurance after an at-fault accident, Nevada drivers should get a quote from State Farm. It charges these drivers $140 a month, on average, for full-coverage policies.
State Farm’s average rate for drivers with an accident on their records is 63% lower than the state average rate of $378 a month.
| Company | Average annual rate |
|---|---|
| State Farm | $1,676 |
| Travelers | $2,759 |
| Progressive | $3,361 |
| Geico | $3,901 |
| Allstate | $3,982 |
| Farmers | $6,334 |
| American Family | $7,075 |
| AAA | $9,364 |
| USAA* | $2,346 |
Cheapest rates after a DUI in Nevada: Travelers
Travelers has the cheapest car insurance for drivers with a DUI (driving under the influence) conviction in Nevada, at an average rate of $245 a month.
The average Nevada driver with a DUI on their record pays 72% more for car insurance than they would with a clean driving record.
| Company | Average annual rate |
|---|---|
| Travelers | $2,934 |
| Progressive | $3,667 |
| Allstate | $3,911 |
| State Farm | $4,556 |
| Geico | $4,679 |
| Farmers | $6,438 |
| AAA | $7,425 |
| American Family | $8,670 |
| USAA* | $3,491 |
Best Nevada rates for bad credit: Travelers
Travelers is the cheapest car insurance company for Nevada drivers with bad credit, with rates that average $271 a month.
Drivers in Nevada with poor credit pay 75% higher car insurance rates than drivers with good credit do, on average.
| Company | Average annual rate |
|---|---|
| Travelers | $3,251 |
| Progressive | $3,655 |
| Geico | $3,701 |
| Allstate | $5,078 |
| State Farm | $6,328 |
| Farmers | $6,660 |
| American Family | $6,769 |
| AAA | $7,725 |
| USAA* | $3,637 |
Drivers with bad credit usually pay higher rates because car insurance companies consider them more likely to file claims. The higher rates help offset their increased risk.
Nevada insurance rates by city
Drivers in Dayton and Fallon pay the lowest car insurance rates among Nevada’s biggest cities. Dayton’s average rate is $170 a month, while Fallon’s is $171.
Winchester drivers pay the highest car insurance rates of the state’s largest cities, at $337 a month, on average.
| City | Average annual rate |
|---|---|
| Boulder City | $2,852 |
| Carson City | $2,852 |
| Cold Springs | $2,339 |
| Dayton | $2,035 |
| Elko | $2,160 |
| Enterprise | $3,663 |
| Fallon | $2,051 |
| Fernley | $2,103 |
| Gardnerville Ranchos | $2,127 |
| Henderson | $3,314 |
| Las Vegas | $3,810 |
| Mesquite | $2,636 |
| North Las Vegas | $3,822 |
| Pahrump | $2,873 |
| Paradise | $3,810 |
| Reno | $2,416 |
| Spanish Springs | $2,284 |
| Sparks | $2,401 |
| Spring Creek | $2,203 |
| Spring Valley | $3,893 |
| Summerlin South | $3,539 |
| Sun Valley | $2,451 |
| Sunrise Manor | $3,957 |
| Whitney | $3,660 |
| Winchester | $4,048 |
Where you live is one rate factor that affects how much you pay for car insurance. Some other factors that impact what you pay are:
- Your driving record
- Your age, gender and marital status
- The make and model of your car
- Your insurance claims history
Car insurance laws in Nevada
Nevada law requires drivers to have 25/50/20 car insurance at a minimum. This means they need at least these amounts of bodily injury and property damage liability car insurance coverage.
Minimum coverage for car insurance in Nevada
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Personal property liability | $20,000 |
Although this amount of car insurance meets Nevada car insurance requirements, it may not be enough if you cause an accident that results in major injuries or damage. It also won’t cover damage to your own car.
Methodology
The rates in this article are based on an analysis of auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Nevada (or the U.S., in the case of national averages).
Unless otherwise noted, our sample driver is a single 30-year-old male who owns a 2015 Honda Civic. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by each state.
Full-coverage policies include these coverages, limits and deductibles:
- Bodily injury liability: $50,000 limit per person/$100,000 limit per accident
- Property damage liability: $25,000 limit
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
*USAA is only available to current and former members of the military as well as certain family members.
Frequently asked questions
The average cost of car insurance in Nevada is $1,368 a year if you get just liability coverage. Full-coverage car insurance costs $2,958 a year in Nevada, on average.
These average rates are for a 30-year-old male driver with a clean record and a typical car. You may pay more if you are older or younger or if you have tickets, accidents or DUIs on your record.
State Farm has Nevada’s cheapest car insurance, at $753 a year, on average. This is for liability coverage; if you also buy collision, comprehensive or other types of coverage, you’ll pay more.
State Farm also offers the cheapest full-coverage car insurance in Nevada, with rates averaging $1,438 a year.
Yes, you need at least 25/50/20 liability car insurance to drive legally in Nevada. (See details above.) This coverage protects you if you cause injuries or damage in an accident.