Best Auto Insurance Rates in Nevada

On average, your neighbors pay $81 a month.

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The mix of neon lights and mountains in the distance make Nevada one of the best states to cruise across on a hot summer night. Whether you are heading out for a night on the strip or one under the stars, there is never a dull moment in Nevada.

Drivers know not to gamble with their auto insurance, so we’ve got all the answers below. From average cost of insurance and average rates to the laws you have to follow on the road, we bet you’ll find what you need.

Average Nevada Car Insurance Rates

Car insurance in Nevada is more expensive than it is in most of the country. You can thank the high number of uninsured motorists, drunk drivers, car prowlers, and lawyers the nesx time you're writing a check to your insurance company. On average, Nevada drivers pay 11% more for auto insurance than the average American. Your prices may vary depending on your car, driving record, zip code, limits, and the number of claims filed in your neighborhood.

The average cost of car insurance in Nevada is $969.73 per year. The national average annual cost is $866.31.

Nevada Average Annual Car Insurance Rates
Coverage Rates
Liability $673.09
Collision $293.18
Comprehensive $117.20
Total Cost Per Year $969.73
Price Per Month $80.81

If you’re like most Nevada drivers, car insurance is a must-have. But that doesn’t mean you should go with the first policy that comes your way.

You want car insurance that’s reliable and fits your needs while also being affordable. To get that, you have to compare auto insurance quotes.

That can take some time if you do it yourself. With QuoteWizard, you can do it in seconds. Fill out our form and we’ll connect you to multiple top car insurance companies so you can compare rates and get the best coverage.

Last year, 30,729 people used QuoteWizard to compare car insurance quotes in Nevada from top companies, and find the cheapest rates.

Top 10 Vehicles in Nevada

These are the most common vehicles owned by Nevada drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Honda Accord LX/EX
  3. Chevrolet Silverado
  4. Ford Explorer
  5. Ford Mustang
  6. Ford Ranger
  7. Nissan Altima 2.5 S
  8. Honda Civic EX/LX
  9. Toyota Camry LE/XLE/SE
  10. Chevrolet Malibu LS
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Top 10 Nevada Car Insurance Companies

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Nevada. Out of the 30,729 Nevada drivers that used QuoteWizard to request insurance quotes last year, 3,442 had no car insurance.

Nevada State Auto Insurance Laws

Car Insurance Minimum Coverage

Legally, almost all US drivers are required to carry a minimum level of car insurance, but this minimum amount varies from state to state. In Nevada, drivers need to follow what is known as the 15/30/10 rule when it comes to their insurance policies.

This means that any policy must include the following:

  • $15,000 protection of bodily injury or death of an individual in any single accident
  • $30,000 of bodily injury or death coverage of all individuals in any single accident
  • $10,000 of coverage for injury to or destruction of property of others in any single accident

Remember you can purchase more inclusive plans that cover more, but if you want the bare minimum required to keep you legal on the road, make sure your policy has the above protection.

Required Proof of Car Insurance

Just like your driver's license, it is important to always carry proof of insurance for your car. Nevada law requires you to have proof of insurance at hand at all times while operating a motor vehicle. It must include the following information:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, and/or model of the insured vehicles, or the name of the insured driver
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LIVE (Liability Insurance Validation Electronically) System

Whether you are caught on the side of the road, or the Nevada LIVE system does its job, you are subject to punishment for operating a vehicle without insurance. If this occurs, your registration will immediately be suspended. For first offenders, the cost of reinstating your registration varies depending on how long your insurance had lapsed. If it was within 30 days, the fee is $250. Between 31 and 90 days, it is $500. Between 91 and 180 days, the cost is $750… and if you fail to cover your vehicle within that 180-day window, the cost is $1,250.

The price continues to escalate for second offenses, and by your third offense you will be required to file a SR-22 and have your license suspended for a minimum of 30 days.

SR-22 Requirements

Nevada drivers who have infractions such as DUIs on their records, or who have been caught driving without insurance, will need to file an SR-22. This indicates proof of financial responsibility and mandates that the minimum coverage is carried on your car. This is to be carried on your record for three years, and any lapse in renewal will start the three-year cycle over again.

State of Nevada Traffic Safety Laws

Distracted Driving Laws

More and more accidents are being caused by inattentive drivers using their phones. In order to protect drivers, Nevada has a statewide ban against using handheld devices for making or receiving calls, or texting while driving.

Implied Consent Law

Nevada's Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving under the influence (DUI) of alcohol or drugs.

Refuse the test and the arresting officer may direct that reasonable force be used to the extent necessary to obtain samples of blood from the person to be tested.

DUI Law and Penalties

If you drive or operate a motor vehicle in the State of Nevada with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Between 2 days and 6 months in jail
  • A fine of $400 to $1,000
  • 90-day driver’s license suspension
  • Possible requirement of an ignition interlock device

The penalties for a second offense DUI conviction are:

  • Between 10 days and 6 months in jail
  • A fine of $750 to $1,000
  • 1-year driver’s license suspension
  • Possible requirement of an ignition interlock device

The penalties for a third offense DUI conviction are:

  • Between 1 and 6 years in jail
  • A fine of $2,000 to $5,000
  • 3-year driver’s license suspension
  • Required installation of an ignition interlock device

Child Passenger Safety Laws

In order to protect children on its roadways, Nevada follows strict rules for protecting kids while they are in a moving vehicle. Any child under the age of 6 or weighing less than 60 pounds must be placed in an appropriate child safety seat. Fines for failing to comply with this law range from $100 to $500.

Graduated Driver’s License Program

Nevada has implemented a 3-tier graduated driver’s license program beginning with a learner's permit and ending with a driver's license with full driver privileges. Nevada requires all drivers to go through a testing process to procure their licenses. At the age of fifteen and a half years old, drivers can take a test to obtain their instruction permit. Once they enter the instruction permit stage, they must accrue a minimum of 50 hours of supervised driving, with 10 of the 50 hours taking place at night.

At the age of 16, drivers are able to take a test to obtain their driver's license. If they pass, they'll be able to drive unsupervised. However, they will be forbidden to drive between the hours of 10 p.m. and 5 a.m. They're also unable to have passengers under the age of 18 in their vehicle for six months after getting their license. After that, all passenger restrictions are lifted.

It is important to note that it is not until 18 when the driving hour restriction is lifted and full privileges are granted.

Senior Drivers in Nevada

Every driver in the state is required by law to renew their driver's license every 4 years, which can be done through the mail. If you are over the age of 70, your mail renewal must include a medical report for assessment as well.

Seat Belt Laws

Be sure to buckle it up when driving through Nevada to remain safe and avoid fines. All drivers operating a vehicle in the state are required to wear a seatbelt at all times, or they will be facing a $25 fine.

The Cost of Driving in Nevada

Average Nevada Car Insurance Rates

The average cost of car insurance in Nevada in 2014, the most recent year for which data was available, was $969.73 compared to a national average of $866.31. Nevada is ranked the 12th most expensive state for car insurance.

Fuel Taxes

All drivers are subject to both a federal and state gas tax every time they visit the pump. The national tax is 18.4 cents per unleaded gallon and 24.4 cents per diesel gallon. On top of that drivers will see an extra 33.85 cents per unleaded gallon and 28.56 cents per diesel gallon courtesy of the state tax. That’s a total of 52.25 cents in taxes per unleaded gallon and 52.96 cents in taxes per diesel gallon that every driver must pay when filling up.

Car Insurance Risk in Nevada

Traffic Fatalities

In 2014, 290 traffic-related deaths were on record in Nevada. That number was actually on the rise from 2013, where the state reported 266 traffic-related deaths.

Vehicle Thefts in Nevada

In 2014, 10,185 vehicles were reported stolen in Nevada, a 1.9 percent increase from 9,998 in 2013. With the national average sitting at 216.2 thefts per 100,000 cars, Nevada is high above that average with 358.7 thefts per 100,000 cars on record. Be sure to lock your doors and keep any valuables out of sight so you don’t give any passing criminals an incentive to act.

Top 10 Most Stolen Vehicles in Nevada

Some cars are more prone to theft than others, be sure to check the list below to see if your car is at risk.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1994 Honda Accord
  2. 1998 Honda Civic
  3. 2006 Ford Pick-Up (Full Size)
  4. 1999 Chevrolet Pick-Up (Full Size)
  5. 2014 Toyota Camry
  6. 2005 Dodge Pick-Up (Full Size)
  7. 1994 Nissan Sentra
  8. 2013 Nissan Altima
  9. 1996 Nissan Maxima
  10. 2013 Toyota Corolla

Uninsured Drivers

In 2012, it was estimated that 12.2% of all drivers on Nevada roads had no car insurance. This number is nearly equal to the national average of 12.6% and ranks Nevada 23rd in the nation for uninsured motorists.

Nevada Private Passenger Auto Liability Market Share

Source: Nevada Division of Insurance
Rank Market Share Company
1 9.65%% Mid Century Insurance
2 6.4% Allstate
3 5.81% Western United Insurance
4 5.38% Progressive Northern
5 4.58% Progressive Direct
6 4.4% GEICO Casualty
7 3.26% American Family
8 2.69% USAA
9 2.6% GEICO General

Nevada Division of Insurance

Website:
http://doi.nv.gov/
Insurance Commissioner:
Barbara Richardson
Phone:
(888) 872-3234

File a Consumer Insurance Complaint

Website:
Insurance Complaint Page

Sources:

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