The best, cheapest car insurance in Nevada

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Best car insurance company in Nevada

Drivers in Nevada pay an average of $2,060 a year or $172 a month for car insurance coverage which makes it the 13^th most expensive state in the country.

Even though car insurance is pretty expensive in Nevada, it’s possible to find affordable coverage with top insurers such as State Farm, GEICO, Travelers, and other insurers.

State Farm is our choice for the best car insurance in Nevada. It finished first in our rankings with 4.47 out of 5 stars and an average premium of $1,443 a year, or $120 a month, which is $617 less than the state average.

GEICO was second with a score of 4.24 stars followed by American Family with 4.21 stars.

The best car insurance companies in Nevada

How we picked the top auto insurance companies

When choosing the top car insurance companies in the state, we not only looked at the average cost of coverage but also J.D. Power customer satisfaction scores, AM Best financial strength ratings and National Association of Insurance Commissioners (NAIC) complaint rankings. National averages were used where state and regional data was not available.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights, to arrive at an overall star rating.

• Premiums: 25%
• JD Power: 30%
• AM Best: 25%
• NAIC: 20%

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Cheapest car insurance in Nevada

State Farm has the lowest average rate in Nevada at $1,443 a year or $120 a month.

GEICO is the next most affordable at $1,708 annually and Travelers at $1,995. While these insurers had the cheapest average premiums, there are plenty of other options for coverage in the state.

Insurers consider a wide variety of factors when setting a rate and use proprietary algorithms which can result in dramatic differences in premium quotes. Where you live also affects rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Chong Gao, director of product management R&D at Mercury Insurance. “Nevada, for example, is prone to extreme weather like hurricanes and its car insurance costs are consequently much higher.”

The data shows how shopping around for coverage can result in savings. While State Farm had the lowest average rate at $1,443, CSAA Insurance (AAA) was the most expensive at $3,651.

Below are the cheapest car insurance rates by state. To calculate these rates, we used data for a 40-year-old driver of a 2023 Honda Accord LX – one of the most commonly insured vehicles – to provide a consistent and realistic comparison across states.

Cheapest full-coverage insurance in Nevada

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Full coverage car insurance in Nevada

As noted, the rates above are for full coverage car insurance. Residents of Nevada will often be advised to get full coverage, which includes both liability protection as well as collision and comprehensive. Liability helps pay medical and legal bills for injuries or damages you are responsible for after an accident. However, liability doesn’t cover damage to your vehicle or your injuries.

Collision will pay to repair your vehicle if it is damaged after colliding with another vehicle or object. Comprehensive covers perils such as fire, theft, flooding, vandalism and more.

You can find out more about liability, collision, and comprehensive coverage here.

Shopping for car insurance in Nevada

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance. Experts often tell consumers to shop for insurance yearly. But that doesn’t necessarily mean you should be looking to switch.

“I recommend that people stay with the same insurance company, as they tend to get a better rate when they have been with the same carrier for more than 12 months. The more tenure you have with a carrier, the more potential there is to earn benefits,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. “The carrier can also review your claims history and provide information about applicable discounts.”

But make sure you are comparing like coverage levels and deductibles.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” Bottini says. “However, if a person has low limits, say 25/50/25 – limit per person/per occurrence/limit for property damage – I am going to recommend and quote at least 50/100/100. Depending on their age, income and profession, I would quote higher limits to protect their net worth and earnings potential.”

Bottini also says people can save money on their car insurance by keeping their credit score up, following the speed limit and placing both home and auto insurance with the same carrier.

Cheapest car insurance in Nevada by age

Statistics show that young drivers, because they are inexperienced and tend to take more risks, have more accidents and claims, all of which lead to higher premiums for younger drivers.

“Data indicates that teenagers and seniors are riskier drivers, so they often pay more for auto insurance than other policyholders in different age groups,” says Chong Gao, director of product management R&D at Mercury Insurance. “For teenagers, the lack of driving experience is a significant factor that impacts their rates; younger drivers with little experience behind the wheel tend to pay higher insurance premiums.”

State Farm is the cheapest insurer in Nevada for teens.

Age factors into a premium as the data clearly shows. Teens pay the highest rates by far with the lowest premium coming in at $4,033 which is 182% more expensive than the most affordable coverage for seniors at $1,431 and 73% more than young drivers’ best rate of $2,330.

Rates start to drop, assuming their driving record stays clean as teens move into their young adult years and tend to stay stable until a driver gets into their 70s when rates will go up a bit.

Cheapest car insurance for senior drivers in Nevada

Seniors pay more for car insurance than other drivers, excluding teens. State Farm is the best choice for seniors in Nevada, according to our data, with an average premium of $1,431 annually, which translates to $119 a month.

GEICO was the second most affordable at $1,731 and Travelers was next with a premium of $2,127.

“Seniors tend to have slower reaction times and may suffer from vision or hearing impairments, which can impair their driving ability. This makes them more prone to accidents and thus considered high-risk by insurance companies,” says Tariro Goronga, CEO of DriveSafe driving schools in Colorado.

The table below shows the average premium for senior drivers.

Average rates for seniors in Nevada

Car insurance for young drivers in Nevada

While rates start to drop for teen drivers as they become young adults, they still pay slightly higher rates than more experienced drivers. According to our data, State Farm is the cheapest insurer for drivers in their early 20s with an average premium of $2,330 a year or $194 per month.

GEICO was the second cheapest insurer at $2,357 and Travelers will insure a young driver in Nevada for $3,162 a year.

Rates will continue to drop (assuming a clean driving record) as drivers hit their late 20s and move into their 30s.

The chart below shows the average premiums for young drivers.

Average rates for young drivers in Nevada

Car insurance for teen drivers in Nevada

Insuring a teen is always expensive; statistics show that inexperienced teen drivers get into more accidents and file more claims than more experienced drivers. In Nevada, the best insurer for teen drivers is State Farm with an annual premium of $4,033 or $336 a month. American Family was second most affordable at $5,670 a year or $473 monthly while GEICO was number three at $5,868.

While teens are expensive to insure, there are a few ways to save some money. Most insurers offer a good student discount so if your teen is carrying a B average or above you should ask for a discount. Putting them in an older vehicle will also lower your insurance costs.

The chart below shows average premiums for teens.

Average rates for teens in Nevada

Average cost of car insurance in Nevada

The average cost of car insurance in Nevada is $2,060, which makes it the 13^th most expensive state in the country behind Louisiana and Florida.

Metropolitan areas – and all states have them – equals lots of drivers, which often leads to car crashes and claims.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Nevada,” says Gao.

Below are the cheapest car insurance rates by state. To calculate these rates, we used data for a 40-year-old driver of a 2023 Honda Accord LX – one of the most commonly insured vehicles – to provide a consistent and realistic comparison across states.

Average rates for a 40-year-old in Idaho

Which Nevada ZIP codes are most expensive for car insurance?

Car insurance costs in Nevada can vary significantly based on your location, as insurers consider the ZIP code where your vehicle is primarily parked when determining your premium.

Our data shows that the Sunrise Manor area came out as the most expensive with an average annual premium of $2,767. Winchester was No. 2 and Whitney was No. 3.

Here are the most expensive ZIP codes in Nevada for car insurance:

Most expensive ZIP codes in Nevada

Which Nevada ZIP codes are the cheapest for car insurance?

The cheapest ZIP codes for car insurance in Nevada tend to be in rural areas where there are fewer people and cars which leads to lower accident and claim rates. Winnemucca has the most affordable ZIP code in Nevada with an annual premium of $1,600.

Least expensive ZIP codes in Nevada

Cheapest car insurance for high-risk drivers in Nevada

If you have an at-fault accident, DUI or speeding ticket on your driving record, your insurer may consider you a high-risk driver and will push up the cost of your coverage.

A speeding ticket increases the average premium to $3,181 and will stay on your record and impact your premium for three years.

If you are responsible for an accident, your rates will push the average cost of coverage to $3,907.

A DUI is considered a major violation and will raise the average premium to $4,597.

The table below shows the average increase for drivers with an incident on their record:

How much rates increase in Nevada after a traffic incident

Minimum car insurance requirements in Nevada

Most states require all drivers to carry a minimum amount of liability coverage to drive legally. Nevada requires drivers to carry 25/50/20 in liability coverage, which translates into:

• $25k for bodily injury and $50,000 for death for a person involved in an accident
• $50k for bodily injury and $100,000 for death for two or more people in an accident
• $20k for property damage for a single accident

These required minimums are fairly average when compared to other states. However, these minimums are rarely enough coverage if you are involved in a serious accident. Once your coverage levels are exceeded, you will be on the hook for any remaining damage.

Experts typically recommend carrying 100/300/50 as a minimum liability coverage level.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Nevada.”

Mark Vallet

Contributing Researcher

 

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Mark Vallet is a Denver-based insurance expert and journalist with 18 years of experience covering the car insurance industry. He specializes in breaking down complex insurance topics into clear, expert-backed insights that help drivers make smarter insurance coverage decisions.

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