Cheap Car Insurance in Nevada (2022)

The cheapest full-coverage auto insurance rates in Nevada: State Farm at $130 a month, and Progressive, $186.

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State Farm and Progressive offer the cheapest car insurance in Nevada, beginning with minimum-liability rates of $79 and $109 a month, respectively. Auto insurance can get expensive. Our analysis of quotes from top companies provides the keys to finding cheap car insurance in Nevada.

In this article

Nevada’s cheapest car insurance companies

Our analysis of Nevada car insurance quotes shows that State Farm offers the cheapest rates for every driver profile we reviewed. This includes those with clean driving records and those with a ticket, accident or DUI, as well as teens and seniors.

The companies with the next-lowest auto insurance rates include Progressive, GEICO, Allstate and USAA, depending on driver profile. USAA is only available to current and former members of the military and their families.

Cheapest minimum-liability car insurance in Nevada

State Farm offers the cheapest minimum-liability car insurance to a typical adult driver in Nevada with a clean record, charging rates that average $944 a year, or $79 a month. The next-best rates are available from Progressive, $109 a month, and USAA, $113 a month.

Cheapest minimum-liability insurance
Company Monthly rate
State Farm $79
Progressive $109
USAA* $113
GEICO $122
State Average $133
Allstate $133
American Family $144
AAA $168
Farmers $194
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

In Nevada, minimum-liability auto insurance satisfies the state’s requirements for bodily injury and property damage liability. If you cause an accident, your liability insurance generally covers other people’s medical treatment and car repairs, but not your own injuries or vehicle damage.

Get cheap car insurance in Nevada

Cheapest full-coverage car insurance in Nevada

State Farm offers the cheapest full-coverage car insurance for a typical adult driver with a clean record in Nevada, charging rates that average $130 a month. The next-lowest rates are available from Progressive, $186 a month, and GEICO, $192 a month.

Cheapest full-coverage insurance
Company Monthly rate
State Farm $130
Progressive $186
GEICO $192
USAA* $197
American Family $201
State Average $219
Allstate $230
Farmers $286
AAA $327
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

Full-coverage car insurance includes higher liability limits than a minimum-liability policy, plus collision and comprehensive coverage, which cover damage to your vehicle.

Cheapest car insurance for Nevada drivers with a prior accident

State Farm offers the cheapest car insurance for Nevada drivers with an at-fault accident on their record, with rates averaging $155 a month for full coverage. The next-best rates are available from USAA, $273 a month, and GEICO, $320 a month.

An accident raises the average price of full-coverage car insurance in Nevada by 55% to $339 a month.

Cheapest insurance for drivers with an accident history
Company Monthly rate
State Farm $155
USAA* $273
GEICO $320
Allstate $328
Progressive $329
State Average $339
American Family $371
Farmers $414
AAA $526
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

Cheapest car insurance for Nevada drivers with a DUI

State Farm offers the cheapest car insurance to Nevada drivers with a DUI, charging an average rate of $142 a month. The next-lowest rates are available from Progressive, $295 a month, and Allstate, $319 a month.

A DUI raises the average price of car insurance in Nevada by 63% to $358 a month for full coverage.

Cheapest insurance for drivers with a DUI
Company Monthly rate
State Farm $142
Progressive $295
Allstate $319
State Average $358
GEICO $398
American Family $399
USAA* $416
AAA $447
Farmers $450
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

Cheapest car insurance for Nevada drivers with a speeding ticket

State Farm offers the cheapest car insurance to Nevada drivers with a speeding ticket, with rates averaging $142 a month, followed by USAA and GEICO, whose rates both average $231 a month.

In Nevada, a speeding ticket raises the price of auto insurance by 23% to $270 a month for full coverage.

Cheapest insurance for drivers with a speeding ticket
Company Monthly rate
State Farm $142
USAA* $231
GEICO $231
American Family $241
Allstate $258
State Average $270
Progressive $271
Farmers $364
AAA $418
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

Cheap car insurance for teens and seniors in Nevada

State Farm generally offers the cheapest rates to teen and senior drivers in Nevada, while USAA, Progressive and GEICO are also competitive for most teen and senior driver profiles in our analysis.

Cheapest car insurance for Nevada teens

State Farm offers the cheapest car insurance to teen drivers in Nevada, charging 18-year-old drivers $234 a month for minimum liability and $405 a month for full coverage.

USAA offers the next-lowest minimum-liability rate, $305 a month, while GEICO offers the second-lowest rate for full coverage, $526 a month.

A speeding ticket increases the average price of car insurance for 18-year-olds by 13%, while an accident increases the cost by 28%.

Cheapest minimum-liability insurance for 18-year-olds
Company Monthly rate
State Farm $234
USAA* $305
GEICO $309
Allstate $438
AAA $438
State Average $501
Progressive $696
American Family $780
Farmers $812
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.
Cheapest full-coverage insurance for 18-year-olds
Company Monthly rate
State Farm $405
GEICO $526
USAA* $541
Allstate $845
State Average $862
AAA $873
American Family $1,131
Farmers $1,249
Progressive $1,327
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.
Cheapest car insurance for 18-year-olds with a speeding ticket
Company Monthly rate
State Farm $448
USAA* $584
GEICO $592
Allstate $969
State Average $975
AAA $1,145
American Family $1,184
Progressive $1,414
Farmers $1,465
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.
Cheapest insurance for 18-year-olds with an accident history
Company Monthly rate
State Farm $491
USAA* $623
GEICO $789
Allstate $1,038
State Average $1,101
American Family $1,291
AAA $1,473
Progressive $1,505
Farmers $1,602
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

Teens drivers have the highest crash rates among all age groups, and this is the main reason why they are charged such high rates for car insurance.

Teens typically get a lower auto insurance rate when added to a parent or guardian’s policy than they do on their own. Teens who maintain a clean driving record, avoid claims and establish good credit are likely to start qualifying for more affordable rates in their 20s.

If you’re the parent of a young driver, here’s a look at how your auto insurance may cover your child.

Cheapest car insurance for senior citizens in Nevada

State Farm offers the cheapest car insurance to senior citizens in Nevada, charging 60-year-olds $76 a month for minimum liability and $123 a month for full coverage.

The next-best rates are available from Progressive, which charges $102 a month for minimum coverage and $176 a month for full coverage.

Cheapest minimum-liability insurance for 60-year-olds
Company Monthly rate
State Farm $76
Progressive $102
USAA* $106
State Average $127
GEICO $129
American Family $131
Allstate $141
AAA $155
Farmers $176
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.
Cheapest full-coverage insurance for 60-year-olds
Company Monthly rate
State Farm $123
Progressive $176
USAA* $181
American Family $181
GEICO $192
State Average $204
Allstate $236
Farmers $248
AAA $292
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

See car insurance rates from top companies

Car insurance rates by city in Nevada

Among Nevada’s largest cities, insurance rates range from $73 a month for minimum liability in Carson City to $157 a month in Sunrise Manor.

The average price of minimum-liability car insurance in Las Vegas is $150 a month, compared to $83 a month in Reno.

Insurance rates in Nevada’s largest cities
City Monthly rate
Carson City $73
Enterprise $147
Henderson $133
Las Vegas $150
North Las Vegas $149
Paradise $151
Reno $83
Sparks $83
Spring Valley $157
Sunrise Manor $157
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Factors that determine your auto insurance rate

The location of your home is among several factors that insurance companies review to determine your auto insurance rate. Other factors they evaluate about you and others in your household include:

  • Your age
  • Driving record and insurance claims history
  • Your credit
  • The characteristics of your vehicle, including any safety features it may have

Since each company places different weights on these factors and offers different discounts, you may qualify for a significantly lower rate with one company than you do with others. This is why it’s best to compare quotes from multiple companies when you shop for auto insurance.

How Nevada’s car insurance laws and requirements work

Nevada state law requires all drivers to carry 25/50/20 liability insurance, which includes the following coverages and limits:

Bodily injury liability covers the medical bills of those injured in an accident you cause. Property damage liability pays to repair damage you cause to other people’s vehicles or property in a car accident.

If any of these costs exceed your policy’s limits, you are responsible for the shortfall. This is the main reason to consider liability limits that exceed the state’s minimum requirements.

Nevada’s comparative fault laws

Nevada comparative fault laws reduce an at-fault driver’s liability for injuries and damage if the victim’s actions contribute to an accident.

For example, if you rear-end a vehicle stopped at a traffic light, you are likely to be found completely at fault for the accident and responsible for 100% of the victim’s medical and car repair bills.

However, if you make an unsafe lane change that causes an accident with a speeding driver, you may be found to be 75% responsible for the accident.

In this latter scenario, if the other driver’s car repairs add up to $5,000, you are only responsible for $3,750, or 75%, of these costs. However, you’re still responsible for 100% of your own car repairs.

Optional insurance coverages available in Nevada

While Nevada law only requires liability insurance, the following optional coverages are also available.

Optional auto insurance coverages in Nevada
Coverage What it covers
Collision Damage to your vehicle after a collision. If the other driver is fully or mostly at fault, their property damage liability covers their share of these costs.
Comprehensive Your vehicle for theft or damage from any cause other than a collision, including fire, flood, falling objects and vandalism.
Uninsured/underinsured motorist Injuries you and/or your passengers suffer in an accident caused by an uninsured driver or a driver without enough insurance to cover your entire claim.
Medical payments Injuries you and/or your passengers suffer in an accident, regardless of fault, and injuries you suffer as a pedestrian, if struck by a car.
Source: Nevada Division of Insurance

You can learn more about the state's insurance laws and requirements on the Nevada Division of Insurance website

SR-22 Insurance in Nevada

Drivers who commit certain offenses in Nevada, including a DUI or an insurance lapse of more than 90 days, may be required to file an SR-22 certificate with the Department of Motor Vehicles (DMV).

In Nevada, you have to notify the insurance company of your SR-22 requirement, and the insurance company will file the certificate on your behalf.

SR-22 certificates typically need to be maintained for three years, and your driver’s license can be suspended if your certificate expires before then. If you switch insurance carriers during this period, make sure your new insurance company files your new SR-22 certificate with the DMV in a timely manner.

Frequently asked questions about car insurance in Nevada

How much is car insurance in Nevada?

The average price of car insurance in Nevada is $133 a month for minimum liability and $219 a month for full coverage.

Do you need insurance to register a car in Nevada?

Yes, you need to show valid proof of insurance to register your car in Nevada. The policy needs to be issued for coverage in Nevada by an insurance company licensed to do business in the state.

Is Nevada a no-fault auto insurance state?

Nevada is a comparative-fault state for auto insurance. You are financially responsible for injuries and damage you cause in a car accident. However, your share of liability may be reduced if the other driver is partially responsible.

Methodology

We obtained non-binding car insurance quotes for a typical driver in every Nevada ZIP code from Quadrant Information Services. Unless otherwise noted, a typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

Minimum-coverage insurance rates are based on a policy meeting the state’s minimum requirements for liability coverage.

Full-coverage policies include the following coverages, limits and deductibles:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000
  • Collision coverage: $500 deductible
  • Comprehensive coverage: $500 deductible

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