Low-cost car insurance in Nevada

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State Farm provides the lowest car insurance rates in Nevada at $1,443 a year. The average premium is $172 per month in Nevada, though your actual rate may vary.

Car insurance requirements differ by state. In Nevada, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

State Farm offers the lowest car insurance rates in Nevada, at $1,443 per year, which is about 30% the state average.
State Farm has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $1,663.
The ZIP code 89406 has the low-cost car insurance rates in Nevada, at an average annual rate of $1,594.

Low-cost car insurance businesses in Nevada

When comparing insurers in Nevada, State Farm leads the pack with an annual average of $1,443. That’s 30% less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Nevada.

Company	Average annual rates
State Farm	$1,443
GEICO	$1,708
Travelers	$1,995
Mercury Insurance	$2,156
Farmers	$2,328
American Family	$2,429
Progressive	$2,482
Allstate	$2,614
CSAA Insurance (AAA)	$3,651
USAA*	$1,672

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Nevada

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Nevada

Drivers in 89406 benefit from the lowest average premium in the state, at $1,594 per year. See the table below to find other ZIP codes in Nevada where insurance tends to be cheaper.

ZIP code	City	Average annual rates
89406	Fallon	$1,594
89445	Winnemucca	$1,600
89447	Yerington	$1,628
89418	Imlay	$1,640
89820	Battle Mountain	$1,644
89410	Gardnerville	$1,645
89423	Johnson Lane	$1,647
89419	Lovelock	$1,649
89706	Carson City	$1,653
89404	Denio	$1,655

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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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Low-cost car insurance in Nevada by age

Young drivers often face the highest premiums. In Nevada, for example, a 16-year-old pays $8,229 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$7,505
Young Adults (20-24)	$3,309
Adults (25-60)	$2,066
Seniors (65-75)	$2,143

Low-cost car insurance in Nevada by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Nevada

A single speeding ticket in Nevada can push your rates up by 31%, or about $648. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$1,443	$1,543	7%	$100
Allstate	$2,614	$2,907	11%	$293
Travelers	$1,995	$2,924	47%	$929
Farmers	$2,328	$3,023	30%	$695
Mercury Insurance	$2,156	$3,031	41%	$875
American Family	$2,429	$3,107	28%	$678
Progressive	$2,482	$3,185	28%	$703
GEICO	$1,708	$4,041	137%	$2,333
CSAA Insurance (AAA)	$3,651	$4,782	31%	$1,131
USAA*	$1,672	$1,963	17%	$291

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Nevada

State Farm offers the lowest car insurance rates to drivers after an at-fault accident at $1,663 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$1,443	$1,663	15%	$220
Travelers	$1,995	$2,802	40%	$807
GEICO	$1,708	$3,495	105%	$1,787
Allstate	$2,614	$3,577	37%	$963
Farmers	$2,328	$3,644	57%	$1,316
Progressive	$2,482	$3,749	51%	$1,267
Mercury Insurance	$2,156	$4,003	86%	$1,847
American Family	$2,429	$4,060	67%	$1,631
CSAA Insurance (AAA)	$3,651	$6,121	68%	$2,470
USAA*	$1,672	$2,333	40%	$661

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Nevada

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Nevada offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
State Farm	$1,443	$1,543	$100	7%
Travelers	$1,995	$3,070	$1,075	54%
Progressive	$2,482	$3,480	$998	40%
Allstate	$2,614	$3,548	$934	36%
Mercury Insurance	$2,156	$3,821	$1,665	77%
American Family	$2,429	$4,022	$1,593	66%
GEICO	$1,708	$4,189	$2,481	145%
Farmers	$2,328	$4,552	$2,224	96%
CSAA Insurance (AAA)	$3,651	$5,110	$1,459	40%
USAA*	$1,672	$3,352	$1,680	100%

*USAA is only available to military community members and their families.

Average cost of car insurance Nevada

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Nevada, the average cost of full coverage is $165 more compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Nevada, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Nevada.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Nevada. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

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.