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Car insurance is essential in Nevada, but finding the right plan at the right price isn’t always easy. That’s where our Nevada car insurance calculator can help.

Use our auto insurance calculator to see your estimated annual and monthly costs in Nevada. It factors in your vehicle’s make and model so you can make informed coverage decisions.

How to use our car insurance calculator to estimate your rates in Nevada:

  • Step 1: Choose the model year of your car.
  • Step 2: Choose the make and model of your car.
  • Step 3: Choose your state.
  • Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
  • Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.
Data last refreshed in 2025
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Does your vehicle model affect car insurance rates in Nevada?

A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For example, full coverage for a Honda Accord LX costs $2,329 per year, while the average premium for a Honda CR-V in Nevada is $1,990 – a difference of $339.

Does your car’s model year affect insurance rates in Nevada?

In Nevada – as in many other states – a car’s model year can impact your insurance rates. For instance, the annual premium for a 2023 Honda Accord LX is around $3,631, while insuring the 2024 model costs $2,280.

Quick tip: Check your state’s minimum coverage rules

Every state sets its own minimum car insurance requirements, and Nevada is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:

  • Bodily injury liability per person and per accident
  • Property damage liability

These limits are the bare minimum – many drivers choose higher coverage to better protect themselves financially after an accident. Not carrying the required coverage in Nevada can lead to fines, license suspension and even vehicle impoundment.

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.

Car insurance rates in Nevada by city

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How your car’s trim affects insurance rates in Nevada

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Nevada, full coverage car insurance for a 2023 Honda Accord LX costs $3,631 a year, while the higher-end Accord EX-L trim costs $3,201 annually – a difference of $430 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

Average car insurance costs in Nevada

The average annual premium for a full coverage car insurance policy in Nevada is $3,284 or $274 per month. However, your actual premium may differ depending on your chosen coverage level.

Below are estimated costs for various coverage levels in Nevada, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.

Coverage levelAverage annual rateAverage monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$3,284$274
Liability Only – 50/100/50 BI/PD$1,540$128
State Minimum BI/PD$908$76
Non-Owners$569$47
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How much is car insurance in Nevada by city

Your location plays a significant role in determining car insurance rates in Nevada. Factors such as traffic congestion, accident frequency, weather conditions, and crime rates influence premiums. For instance, drivers in Winchester pay $5,045 per year for coverage, while those in Winnemucca pay $2,180 annually for the same coverage.

Top 20 cities with cheapest car insurance rates in Nevada

CityAvg. Annual PremiumAvg. Monthly Premium
Winnemucca$2,180$182
Battle Mountain$2,238$186
Yerington$2,241$187
Dayton$2,252$188
Imlay$2,257$188
Golconda$2,261$188
Denio$2,269$189
Lovelock$2,269$189
Gardnerville$2,274$189
Johnson Lane$2,280$190
Smith$2,284$190
Fernley$2,301$192
Paradise Valley$2,303$192
Silver Springs$2,304$192
Orovada$2,309$192
West Wendover$2,316$193
Topaz Ranch Estates$2,319$193
Gardnerville Ranchos$2,321$193
Spring Creek$2,323$194
Wells$2,324$194
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Top 20 cities with most expensive car insurance in rates Nevada

CityAvg. Annual PremiumAvg. Monthly Premium
Winchester$5,045$420
Sunrise Manor$4,886$407
Spring Valley$4,849$404
Whitney$4,686$391
Paradise$4,620$385
Las Vegas$4,472$373
Enterprise$4,468$372
Nellis AFB$4,437$370
North Las Vegas$4,414$368
Summerlin South$4,366$364
Sloan$4,053$338
Blue Diamond$4,010$334
Henderson$3,933$328
Sandy Valley$3,712$309
Indian Springs$3,466$289
Boulder City$3,403$284
Clark$3,350$279
Mercury$3,299$275
Pahrump$3,225$269
Amargosa Valley$3,162$263
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Estimate your Nevada car insurance cost with our calculator

Our Nevada car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

How much is car insurance in other states

Alaska$2,215/Year
Alabama$2,107/Year
Arkansas$2,723/Year
Arizona$2,333/Year
California$3,010/Year
Colorado$3,222/Year
Connecticut$2,726/Year
Washington, D.C.$3,394/Year
Delaware$3,097/Year
Florida$3,852/Year
Georgia$2,739/Year
Hawaii$1,721/Year
Iowa$2,228/Year
Idaho$1,791/Year
Illinois$1,901/Year
Indiana$1,856/Year
Kansas$2,410/Year
Kentucky$2,976/Year
Louisiana$4,180/Year
Massachusetts$2,430/Year
Maryland$2,273/Year
Maine$1,701/Year
Michigan$3,146/Year
Minnesota$2,561/Year
Missouri$2,410/Year
Mississippi$2,455/Year
Montana$2,541/Year
North Carolina$2,587/Year
North Dakota$2,079/Year
Nebraska$2,387/Year
New Hampshire$1,650/Year
New Jersey$2,736/Year
New Mexico$2,486/Year
New York$2,898/Year
Ohio$1,739/Year
Oklahoma$2,705/Year
Oregon$1,927/Year
Pennsylvania$2,428/Year
Rhode Island$2,706/Year
South Carolina$2,367/Year
South Dakota$2,635/Year
Tennessee$2,214/Year
Texas$2,631/Year
Utah$2,250/Year
Virginia$1,837/Year
Vermont$1,504/Year
Washington$2,175/Year
Wisconsin$2,026/Year
West Virginia$2,557/Year
Wyoming$1,984/Year
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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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