Average car insurance cost in Nevada

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Drivers in Nevada pay $330 per month for full coverage car insurance, or $3,963 per year. Carrying only your state’s minimum required liability coverage brings the average down to $101 per month or $1,212 per year. These are statewide averages, so your own rate may land higher or lower.

What you’ll actually pay depends on where you live, your age, driving record, credit score and the type of car you drive. Insurers also weigh state-specific risks like accident frequency, repair and medical costs, theft rates and weather, which is why drivers in busy urban areas typically pay more than those in rural ones.

Some of these factors are within your control. You can lower your rate by maintaining a clean driving record, improving your credit score, bundling policies or comparing quotes from multiple insurers.

How much does car insurance cost in Nevada?

On average, Nevada drivers pay $330 a month ($3,963 a year) for full coverage, compared to $101 a month ($1,212 a year) for state minimum coverage.

The chart below shows average car insurance rates in Nevada across different coverage levels. These are statewide averages, so your own rate may land higher or lower.

What does each coverage type include?

• State minimum coverage: Meets your state’s legal requirements, covering liability only. It’s the cheapest option, but leaves you with minimal protection in a serious accident.
• Liability only: Covers damage and injuries you cause to others, but not your own vehicle or injuries.
• Comprehensive coverage: Pays for damage to your car from non-collision events, like theft, fire, or weather.
• Collision coverage: Pays to repair or replace your car after an accident, regardless of who’s at fault.
• Full coverage: Combines liability with comprehensive and collision coverage, protecting your own vehicle too. It costs more, but offers the most complete protection.
• Non-owners: Built for people who don’t own a car themselves but sometimes drive borrowed vehicles and still want liability protection.

See what you’d actually pay

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Acura Integra

Nevada

Vehicle details

Vehicle year 2024

Style 2WD 4 Door Hatchback Automatic Turbo

State Nevada

Cylinders 4

Make & model Acura - Integra

Vehicle type Luxury Car

Your estimated rate

State Minimum$1,128/year

Liability coverage$2,318/year

Full Coverage$3,694/year

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Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit.

For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations.

Average rates are for comparative purposes; your rate will depend on your personal factors.

How much car insurance coverage do you need in Nevada?

Drivers in Nevada must carry at least the state’s minimum liability coverage. This covers damage you cause to others, but not your own car or medical bills – if you’re at fault in a crash, you’d pay those costs yourself unless you have more coverage.

Minimum liability breaks down into two parts:

• Bodily injury liability pays for others’ medical costs if you injure them. The “per person” limit caps what’s paid for one individual; the “per accident” limit caps the total for everyone.
• Property damage liability pays to repair or replace others’ property, like their car or a fence.

Many drivers choose full coverage instead, which adds comprehensive and collision on top. It costs more, but protects your own vehicle too – from accidents, theft, or weather. If you’re financing or leasing, your lender likely requires it.

Who has the cheapest car insurance in Nevada?

Travelers has the cheapest rates, at an average of $2,206 per year or $184 a month for a full coverage policy with 100/300/100 limits and $500 collision and comprehensive deductibles.

GEICO also stands out for its affordable premiums, with an average premium of $212 per month or $2,540 annually.

While these companies have some of the lowest average rates in Nevada, your actual premium may vary. It’s always worth comparing quotes to find the best deal.

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How much does car insurance cost by city in Nevada?

Car insurance rates in Nevada vary by city – drivers in Elko and Fernley pay $3,034 to $3,040 a year, while those in Las Vegas, North Las Vegas and Henderson pay significantly more.

Location affects your rate because insurers price risk differently by area. Cities with heavier traffic, higher accident rates, and more theft or vandalism tend to have higher premiums, while areas with lower population density and fewer claims generally see lower rates.

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

How does age affect car insurance rates in Nevada?

Few factors influence your premium as much as age. Premiums tend to run highest for teens, drop once drivers hit 25, remain fairly flat through adulthood, and shoot back up in the early 70s. That pattern reflects how insurers assess risk – younger drivers lack experience, while older drivers may face slower reaction times and changes in vision.

Below is a closer look at what Nevada drivers might pay by age and gender.

Car insurance rates for young drivers in Nevada

If you’re a young driver, expect to pay more than average – insurers see less experience behind the wheel as more risk, and price accordingly.

For example, a 20-year-old male driver in Nevada pays $8,628 a year, while a 20-year-old female driver pays $7,502. That changes by age 25, when average rates fall to $4,325 a year for men and $4,335 for women.

Car insurance rates for adults in Nevada

In Nevada, the average adult male driver pays $3,861 a year, or $322 a month, for full coverage, while adult female drivers average $4,001 a year, or $333 a month. Adults typically land lower rates than teens, who lack experience, and seniors, who may face slower reaction times, since insurers view them as the lower-risk group.

That said, individual rates can vary quite a bit, so it pays to compare quotes and find the best deal for your vehicle.

Car insurance rates for senior drivers in Nevada

Senior drivers typically see their premiums rise with age, since insurers consider older drivers higher risk – slower reaction times and vision changes can both increase accident risk.

Men pay about $3,901 a year on average at 65, compared to $3,926 for women. That climbs to $4,236 for men and $4,224 for women by 70, and further still by 75, to $4,827 for men and $4,527 for women.

Rates rising doesn’t mean you’re out of options – a clean driving record and senior discounts can both help offset the increase.

Which cars are the cheapest and most expensive to insure in Nevada?

Subaru Crosstrek is the most affordable vehicle to insure in Nevada, at $3,045 a year, while Porsche Panamera tops the list as the priciest, at $8,479 a year. The vehicle you drive plays a major role in your premium – strong safety ratings, cheaper repairs, and fewer claims all bring costs down, while frequent theft, high repair bills, or higher accident rates push costs up.

Cheapest cars to insure in Nevada

Topping the list for affordability is Subaru Crosstrek, averaging $3,045 a year, followed closely by Subaru Outback at $3,073 a year. Here’s a look at the cheapest cars to insure in Nevada and their average annual premiums:

Most expensive cars to insure in Nevada

No vehicle costs more to insure in Nevada than Porsche Panamera, which averages $8,479 a year. Here’s a look at the priciest vehicles to insure and their average annual premiums:

Methodology

To determine average premiums, Insure.com commissioned Quadrant Information Services for 2026 car insurance data. Our team of data analysts and editors analyzed quotes from 195 insurance companies across 34,595 ZIP codes.

Rates are based on a sample profile of 40-year-old male and female drivers driving a Honda Accord LX with a clean driving record and a good insurance score. We gathered quotes across three coverage levels:

• Full coverage: limits of $100,000 per person for bodily injury, $300,000 per accident, and $100,000 for property damage per accident.
• State minimum: the lowest coverage your state legally allows.
• Liability only: limits of $50,000 per person for bodily injury, $100,000 per accident, and $100,000 for property damage per accident.

Additionally, we collected average rates for drivers across four age groups:

• Teen drivers (16-19)
• Young drivers (20-24)
• Adult drivers (25-26)
• Senior drivers (65-75)

To compare costs across vehicles, we also analyzed rates for 1,549 make and model combinations, based on a 40-year-old male driver with the same coverage level (100/300/100 limits with a $500 collision/comprehensive deductible), a 12-mile commute, and 10,000 annual mileage.

The national average comes to $2,578. These rates are for comparison purposes, and your own rates may vary.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

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