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Geico provides the cheapest full coverage car insurance in Nevada at about $834 a year. Your specific rates may vary, but the average full coverage car insurance premium in Nevada is $169 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Nevada is no exception. Nevada drivers are required to carry at least the minimum amount of liability coverage—$20,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Nevada?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Nevada, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Nevada

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Nevada is 20% more than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in Nevada by company

Geico offers the cheapest full coverage car insurance in Nevada an average of $834 per year. It’s 59% less expensive than the average full coverage car insurance cost in Nevada. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
Geico$834
Auto-Owners$1,296
USAA$1,422
State Farm$1,433
Nationwide$1,484
Progressive$1,602
Travelers$1,838
Mercury Insurance$1,912
American Family$2,370
Farmers Insurance$2,417
Allstate$2,574
Kemper Insurance$2,779
CSAA Insurance$3,947

Full coverage car insurance cost in Nevada by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Nevada

Drivers living in the ZIP code 89106 pay the highest premiums at about $3,019 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Nevada.

ZIP codeFull coverage insurance cost
89106$3,019
89104$3,006
89030$2,999
89101$2,987
89158$2,964
89102$2,920
89169$2,907
89107$2,898
89103$2,889
89110$2,887

Least expensive ZIP codes for car insurance in Nevada

89406 ZIP code in Nevada has the cheapest full coverage auto insurance cost at an average price of $1,499 annually. Know the least expensive ZIP codes for car insurance in Nevada below.

ZIP codeFull coverage insurance cost
89406$1,499
89445$1,512
89701$1,512
89447$1,514
89404$1,531
89423$1,531
89418$1,535
89444$1,536
89820$1,537
89403$1,538

Nevada full coverage car insurance rate by age

Young drivers in Nevada tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 404% more than a 40-year-old mature driver in Nevada, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$7,600
Young drivers (age 20-24)$3,531
Adult drivers (age 25-64)$2,059
Senior drivers (age 65+)$2,062

Read our Guide to car insurance for teens for more information

Car insurance rates in Nevada by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Nevada

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 29% or $710 in Nevada, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
USAA$1,554$1,81617%$262
State Farm$1,736$1,8748%$139
Auto-Owners$1,461$1,90230%$441
Geico$933$2,022117%$1,089
Nationwide$1,768$2,03415%$266
Progressive$1,934$2,52431%$590
Allstate$2,979$3,32011%$340
Travelers$2,271$3,33947%$1,068
Mercury$2,402$3,36040%$958
American Family$2,785$3,65731%$872
Farmers$2,928$3,88833%$960
Kemper$3,659$4,31118%$652
CSAA$4,635$5,97129%$1,336

Cheapest full coverage car insurance after an accident in Nevada

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

Geico offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1878 a year. Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Geico$933$1,878101%$945
State Farm$1,736$2,01316%$278
Auto-Owners$1,461$2,10044%$639
USAA$1,554$2,15439%$599
Nationwide$1,768$2,62749%$860
Progressive$1,934$3,13862%$1,204
Travelers$2,271$3,22242%$951
American Family$2,785$4,07446%$1,289
Allstate$2,979$4,07837%$1,099
Farmers$2,928$4,59457%$1,666
Kemper$3,659$4,62927%$970
Mercury$2,402$4,809100%$2,407
CSAA$4,635$7,40860%$2,773

Cheapest full coverage car insurance after a DUI conviction in Nevada

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,736$1,8748%$139
Geico$933$2,248141%$1,314
Auto-Owners$1,461$2,70185%$1,241
Progressive$1,934$2,73942%$806
USAA$1,554$3,118101%$1,563
Nationwide$1,768$3,41693%$1,648
Travelers$2,271$3,61959%$1,349
Allstate$2,979$4,06436%$1,085
Mercury$2,402$4,27078%$1,868
Kemper$3,659$4,99837%$1,338
Farmers$2,928$6,069107%$3,141
CSAA$4,635$6,35937%$1,724
American Family$2,785$6,816145%$4,031

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Nevada.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.