Cheapest car insurance in Nevada

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According to Insure.com’s analysis, State Farm has the cheapest car insurance rates for most drivers in Nevada at $1,443 annually. However, your rates may be higher or lower based on personal factors such as your driving record, ZIP code and vehicle type.

To comply with Nevada’s car insurance laws, drivers must carry at least the minimum liability coverage required. It consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.

However, many vehicle owners prefer to invest in full-coverage car insurance for better coverage and added protection.

Here’s a breakdown of the cheapest car insurance company in each category.

Cheapest overall: State Farm

$1,443/year

National avg. rate

Cheapest for at-fault accident: State Farm

$1,663/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: State Farm

$1,543/year

Avg. rate after speeding ticket

Cheap car insurance companies in Nevada

State Farm offers Nevada’s most affordable car insurance rates, at $1,443 per year, 30% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.

When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.

The table below shows the most affordable car insurance companies and their average annual premiums.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Nevada

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Nevada

The 89406 ZIP code in Nevada has the cheapest auto insurance, with an average price of $1,594 annually. Discover the cheapest ZIP codes for car insurance in Nevada below.

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.

Cheapest car insurance in Nevada by age

Teen drivers in Nevada pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $8,229 more than a 40-year-old driver in Nevada, based on Insure.com’s analysis.

The table below shows the cheapest car insurance rates for drivers of different ages:

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Cheapest car insurance in Nevada by driver history

Your driving history plays a key role in determining your car insurance rates. If you cause an accident or are convicted of a driving offense, your premiums are likely to rise. However, a clean driving record indicates that you are a low-risk driver, which can result in lower insurance costs.

Cheapest car insurance after a speeding ticket in Nevada

Here are the top three companies that offer cheap car insurance after a speeding ticket:

• State Farm: $1,543 per year
• Allstate: $2,907 per year
• Travelers: $2,924 per year

According to Insure.com data, a single speeding ticket can increase your rates by 31% or $648 in Nevada.

Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in Nevada, below are some insurers that offer cheap car insurance after a speeding ticket.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Nevada

Here are the top three companies that offer cheap car insurance after an accident:

• State Farm: $1,663 per year
• Travelers: $2,802 per year
• GEICO: $3,495 per year

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

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 better rates.

Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Nevada

Below, you’ll find the top three companies that offer cheap car insurance after a DUI conviction:

• State Farm: $1,543 per year
• Travelers: $3,070 per year
• Progressive: $3,480 per year

If you’ve 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.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Nevada

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Nevada is $165 more than the national average car insurance rates in the U.S.

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

What is full coverage car insurance in Nevada?

Full coverage car insurance includes bodily injury liability, property damage liability, as well as comprehensive and collision coverage. Collision insurance protects your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance covers damage caused by non-collision events like weather or theft.

If you lease or finance a car in Nevada, your lender may require you to buy collision and comprehensive insurance in addition to the state-required liability coverage.

Final thoughts

While it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.

Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy 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 violation 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. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

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

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.