The cheapest full coverage car insurance in Nevada is $120, saving you $52 compared to the average cost of insurance in the state, which is around $172 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Nevada, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Nevada should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- State Farm has the cheapest car insurance rates in Nevada for full coverage at $120 a month among the companies analyzed by the team of CarInsurance.com.
- In Nevada, drivers with clean driving records pay 39% less than drivers with a DUI.
- The city of Winnemucca has the lowest auto insurance rates in Nevada, with an average premium of $1,600 per year.
- You can save up to 30% per year on your car insurance policy in Nevada by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance rates in Nevada?
Based on data analysis by CarInsurance.com, State Farm provides the cheapest full coverage auto insurance rates for Nevada drivers at a monthly rate of $120 or $1,443 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Nevada.
Cheapest car insurance rates in Nevada per month
| Company | Full coverage monthly rates |
|---|---|
| State Farm | $120 |
| Geico | $142 |
| Travelers | $166 |
| Mercury Insurance | $180 |
| Farmers | $194 |
| American Family | $202 |
| Progressive | $207 |
| Allstate | $218 |
| CSAA Insurance (AAA) | $304 |
| USAA* | $139 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in Nevada?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 8% less than single drivers.
- Nevada drivers with clean records pay 39% less than drivers who have a DUI on their record.
- Nevada drivers in their 20s pay 66% lower rates for insurance than a 16-year-old in Nevada.
- Adding a teen to your policy will cost you 70% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 32% less on their insurance premiums.
- Drivers insured for three or more years can save up to 18% on their insurance costs.
Cheapest Nevada companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- State Farm has the cheapest rates for a liability-only policy (50/100/50).
- State Farm offers the cheapest car insurance for a full coverage policy (100/300/100) in Nevada.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Nevada
Nevada requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $20,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Nevada, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Geico | $430 |
| State Farm | $431 |
| Progressive | $625 |
| Mercury Insurance | $631 |
| Travelers | $634 |
| CSAA Insurance (AAA) | $867 |
| American Family | $1,035 |
| Farmers | $1,091 |
| Allstate | $1,109 |
| USAA* | $482 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Nevada
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Nevada, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| State Farm | $694 |
| Geico | $791 |
| Travelers | $926 |
| Mercury Insurance | $1,018 |
| Progressive | $1,071 |
| CSAA Insurance (AAA) | $1,277 |
| Allstate | $1,329 |
| American Family | $1,459 |
| Farmers | $1,555 |
| USAA* | $758 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Nevada for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Nevada based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| State Farm | $1,443 |
| Geico | $1,708 |
| Travelers | $1,995 |
| Mercury Insurance | $2,156 |
| Farmers | $2,328 |
| American Family | $2,429 |
| Progressive | $2,482 |
| Allstate | $2,614 |
| CSAA Insurance (AAA) | $3,651 |
| USAA* | $1,672 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Nevada by driving history
In Nevada, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Nevada, drivers with a history of such violations typically pay $1,038 more annually than drivers with clean records.
Cheap car insurance rates in Nevada after a speeding ticket
A speeding ticket can impact your Nevada car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,874 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,736 | $1,874 | 8% | $139 |
| Auto-Owners | $1,445 | $1,880 | 30% | $435 |
| Nationwide | $1,773 | $2,039 | 15% | $266 |
| Geico | $1,085 | $2,512 | 132% | $1,427 |
| Progressive | $2,111 | $2,713 | 29% | $602 |
| Allstate | $2,995 | $3,339 | 11% | $344 |
| Travelers | $2,217 | $3,341 | 51% | $1,124 |
| Mercury Insurance | $2,549 | $3,515 | 38% | $966 |
| American Family | $2,740 | $3,594 | 31% | $854 |
| Farmers | $2,881 | $3,793 | 32% | $912 |
| Kemper Insurance | $3,571 | $4,223 | 18% | $652 |
| CSAA (AAA) | $4,386 | $5,641 | 29% | $1,256 |
| USAA* | $1,566 | $1,830 | 17% | $264 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Nevada after a DUI conviction
Nevada drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,874 a year, followed by Geico with an annual premium of $2,600 annually, based on recent data.
If you have a clean record, you are likely to pay 39% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,736 | $1,874 | 8% | $139 |
| Geico | $1,085 | $2,600 | 140% | $1,515 |
| Auto-Owners | $1,445 | $2,669 | 85% | $1,224 |
| Progressive | $2,111 | $2,928 | 39% | $817 |
| Nationwide | $1,773 | $3,422 | 93% | $1,649 |
| Travelers | $2,217 | $3,521 | 59% | $1,304 |
| Allstate | $2,995 | $4,092 | 37% | $1,097 |
| Mercury Insurance | $2,549 | $4,426 | 74% | $1,877 |
| Farmers | $2,881 | $4,448 | 54% | $1,568 |
| Kemper Insurance | $3,571 | $4,909 | 37% | $1,338 |
| CSAA (AAA) | $4,386 | $6,004 | 37% | $1,618 |
| American Family | $2,740 | $6,685 | 144% | $3,945 |
| USAA* | $1,566 | $3,149 | 101% | $1,583 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Nevada after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $2,013 a year.
On the other hand, Geico offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,176.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,736 | $2,013 | 16% | $278 |
| Geico | $1,085 | $2,176 | 101% | $1,091 |
| Auto-Owners | $1,445 | $2,306 | 60% | $861 |
| Nationwide | $1,773 | $2,634 | 49% | $861 |
| Travelers | $2,217 | $3,190 | 44% | $973 |
| Progressive | $2,111 | $3,334 | 58% | $1,223 |
| American Family | $2,740 | $4,002 | 46% | $1,262 |
| Allstate | $2,995 | $4,108 | 37% | $1,113 |
| Farmers | $2,881 | $4,120 | 43% | $1,239 |
| Kemper Insurance | $3,571 | $4,541 | 27% | $970 |
| Mercury Insurance | $2,549 | $4,998 | 96% | $2,449 |
| CSAA (AAA) | $4,386 | $7,132 | 63% | $2,746 |
| USAA* | $1,566 | $2,172 | 39% | $606 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Nevada
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Nevada, Winnemucca stands out as the city with the lowest auto insurance rates, at an average of $1,600 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Nevada with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Winnemucca | $1,600 |
| Yerington | $1,628 |
| Imlay | $1,640 |
| Battle Mountain | $1,644 |
| Gardnerville | $1,645 |
| Johnson Lane | $1,647 |
| Lovelock | $1,649 |
| Denio | $1,655 |
| Dayton | $1,660 |
| Topaz Ranch Estates | $1,661 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Nevada
If you compare car insurance quotes, you could enjoy an annual saving of around 30% on a full coverage policy in Nevada.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Nevada: Save on premiums
In Nevada, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Nevada below.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 2% | $37 |
| Anti-theft device | 1% | $26 |
| Days advanced purchase | 6% | $210 |
| Education | 13% | $228 |
| Electronic funds transfer | 4% | $108 |
| Electronic signature | 10% | $213 |
| Homeowner | 4% | $139 |
| Lower annual mileage | 4% | $90 |
| Loyalty – years renewal with company | 7% | $215 |
| Marital status | 8% | $313 |
| Multi policy | 8% | $239 |
| Paperless/electornic documents | 4% | $130 |
| Payment type | 8% | $273 |
| Primary use | 6% | $142 |
| Profession | 9% | $186 |
| Safety devices | 2% | $52 |
| Telematics | 10% | $293 |
| Years insured | 16% | $620 |
| Years licensed | 30% | $2,092 |
The bottom line on cheap auto insurance in Nevada
Based on our findings, State Farm provides the cheapest rates for a full coverage policy in Nevada if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Nevada, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources &Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Nevada for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/20.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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