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 comprehensive guide to buying car insurance for Nevada drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Nevada works and how much coverage 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 insurance is the least expensive coverage and meets the minimum legal requirements in Nevada, but it doesn’t offer adequate protection.
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.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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
In Nevada, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $20,000 of property damage liability.
The state minimum coverage in Nevada costs $720 a year but doesn’t provide much protection for drivers. Nevada drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Nevada must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Nevada
The average cost of liability-only insurance in Nevada is $1,042 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Nevada
In Nevada, you can expect to pay around $2,060 per year for full coverage car insurance 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Nevada
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Nevada have to bear greater financial burdens than those in areas with lower risks.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Nevada car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Nevada by car model
Car insurers in Nevada use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
See how much you’ll pay for car insurance for your specific 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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Nevada can increase your premiums by up to 63% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Nevada, you’ll likely see an increase in your car insurance premium by up to 30% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Nevada after driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 63% increase
- At-fault accident (bodily injury and property damage): 50% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Nevada for high-risk drivers
High-risk drivers in Nevada pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to 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.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $1,663 |
| USAA | $2,333 |
| Travelers | $2,887 |
| Geico | $3,495 |
| Allstate | $3,577 |
| Farmers | $3,644 |
| Progressive | $3,749 |
| Mercury Insurance | $4,003 |
| American Family | $4,060 |
| CSAA Insurance (AAA) | $6,383 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Nevada
Drivers in Nevada can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Nevada by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Nevada and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| State Farm | $431 | $694 | $1,443 |
| Geico | $430 | $791 | $1,708 |
| Travelers | $634 | $926 | $1,995 |
| Mercury Insurance | $631 | $1,018 | $2,156 |
| Farmers | $1,091 | $1,555 | $2,328 |
| American Family | $1,035 | $1,459 | $2,429 |
| Progressive | $625 | $1,071 | $2,482 |
| Allstate | $1,109 | $1,329 | $2,614 |
| CSAA Insurance (AAA) | $867 | $1,277 | $3,651 |
| USAA | $482 | $758 | $1,672 |
Car insurance rates by city in Nevada
Sunrise Manor is the priciest city in Nevada for car insurance, costing an average of $2,767 annually. On the other hand, Winnemucca is the most affordable city, where drivers pay an average of $1,600 per year for car insurance.
Car insurance premiums differ across cities in Nevada and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Below, you’ll see the average annual car insurance cost of major cities in Nevada.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $1,006 |
| Geico | $1,414 |
| Mercury Insurance | $1,471 |
| USAA | $1,475 |
| Travelers | $1,487 |
| Farmers | $1,936 |
| Progressive | $2,044 |
| Allstate | $2,240 |
| American Family | $2,253 |
How much does car insurance cost in Nevada per month?
In Nevada, a full coverage car insurance policy with 100/300/100 limits typically costs about $172 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $60 |
| Liability Only – 50/100/50 BI/PD | $87 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 |
Final thoughts on choosing car insurance in Nevada
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Nevada.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Nevada. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/20.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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