Car insurance costs in Nevada vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. State Farm offers the cheapest annual rates for full coverage car insurance in Nevada at $1,443 annually.
This guide makes buying car insurance in Nevada easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how car insurance works in Nevada and how much you need.
- State Farm provides the most affordable annual rates for full coverage car insurance in Nevada, costing $1,443 per year.
- In Nevada, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Nevada costs around $720 annually for limits of 25/50/20, while liability-only coverage costs $1,042 per year for limits of 50/100/50.
- In Nevada, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 30%, a DUI raising rates by 63%, and an at-fault accident by up to 50%.
How much is car insurance in Nevada?
According to CarInsurance.com data, drivers in Nevada pay about $172 per month for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
Average cost of auto insurance in Nevada by coverage level
Car insurance costs in Nevada can differ based on the coverage limit. To legally drive, Nevada residents must adhere to the minimum liability limits of 25/50/20.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Nevada for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $60 | $720 |
| Liability Only – 50/100/50 BI/PD | $87 | $1,042 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 | $2,060 |
State minimum car insurance in Nevada
Nevada laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $20,000 for property damage liability.
In Nevada, you can get state minimum car insurance for $720 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Nevada must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Nevada
According to CarInsurance.com data, liability-only car insurance costs $1,042 in Nevada for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Nevada
On average, premiums for full coverage car insurance in Nevada cost $2,060 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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Calculate the cost of car insurance in Nevada
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, residents in higher-risk neighborhoods in Nevada pay more for premiums than those in lower-risk areas.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Nevada Car Insurance Rates by ZIP Code
Estimate car insurance in Nevada by car model
Nevada car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in Nevada.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Nevada
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Nevada drivers aged 30 to 60 have the lowest average auto insurance rates at $2,020 annually.
Car insurance for drivers aged 16-19 costs $5,485 more annually than Nevada drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,505 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,151 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,020 per year in Nevada.
- For senior drivers: Drivers age 65 and older can expect to pay $2,143 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Nevada
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Nevada, a DUI conviction lead to increased rates and you may see a rate hike of up to 63% as insurers categorize you as a high-risk driver.
If you get caught speeding in Nevada, your car insurance rates will increase by 30% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Nevada following driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 63% increase
- At-fault accident (bodily injury and property damage): 50% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Nevada for high-risk drivers
In Nevada, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.