Home Car insurance Car insurance rates by state Cheapest car insurance in Nevada Cheapest car insurance in Nevada In Nevada, State Farm offers the cheapest auto insurance rates at $1,443 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 22, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 Key Takeaways State Farm has the cheapest car insurance in Nevada, with an average annual cost of $1,443, which is 30% less than the state average.State Farm offers affordable car insurance at $1,663 per year to Nevada drivers with a history of at-fault accidents.89406 is the cheapest ZIP code for auto insurance rates in Nevada at $1,594 annually. Cheap car insurance companies in NevadaState 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.CompanyAverage annual ratesState Farm$1,443GEICO$1,708Travelers$1,995Mercury Insurance$2,156Farmers$2,328American Family$2,429Progressive$2,482Allstate$2,614CSAA Insurance (AAA)$3,651USAA*$1,672*USAA is only available to military community members and their families.Powered by: *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 NevadaThe 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.ZIP codeCityAverage annual rates89406Fallon$1,59489445Winnemucca$1,60089447Yerington$1,62889418Imlay$1,64089820Battle Mountain$1,64489410Gardnerville$1,64589423Johnson Lane$1,64789419Lovelock$1,64989706Carson City$1,65389404Denio$1,655Powered by: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 cityHendersonLas VegasNorth Las VegasRenoSparksCheapest car insurance in Nevada by ageTeen 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:Age groupFull coverage annual premiumsTeens (16-19)$7,505Young Adults (20-24)$3,309Adults (25-60)$2,066Seniors (65-75)$2,143Powered by: You might find interesting The best, cheapest car insurance in NevadaNevada car insurance calculatorNon-owner car insurance in Nevada: Which company has the cheapest rates?Cheapest SR-22 insurance in NevadaBest and cheapest companies for home and auto bundles in Nevada Cheapest car insurance in Nevada by driver historyYour 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 NevadaHere are the top three companies that offer cheap car insurance after a speeding ticket:State Farm: $1,543 per yearAllstate: $2,907 per yearTravelers: $2,924 per yearAccording to Insure.com data, a single speeding ticket can increase your rates by 31% or $648 in Nevada.Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in Nevada, below are some insurers that offer cheap car insurance after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$1,443$1,5437%$100Allstate$2,614$2,90711%$293Travelers$1,995$2,92447%$929Farmers$2,328$3,02330%$695Mercury Insurance$2,156$3,03141%$875American Family$2,429$3,10728%$678Progressive$2,482$3,18528%$703GEICO$1,708$4,041137%$2,333CSAA Insurance (AAA)$3,651$4,78231%$1,131USAA*$1,672$1,96317%$291*USAA is only available to military community members and their families.Powered by: *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in NevadaHere are the top three companies that offer cheap car insurance after an accident:State Farm: $1,663 per yearTravelers: $2,802 per yearGEICO: $3,495 per yearState Farm offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,663 a year.If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$1,443$1,66315%$220Travelers$1,995$2,80240%$807GEICO$1,708$3,495105%$1,787Allstate$2,614$3,57737%$963Farmers$2,328$3,64457%$1,316Progressive$2,482$3,74951%$1,267Mercury Insurance$2,156$4,00386%$1,847American Family$2,429$4,06067%$1,631CSAA Insurance (AAA)$3,651$6,12168%$2,470USAA*$1,672$2,33340%$661*USAA is only available to military community members and their families.Powered by: *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in NevadaBelow, you’ll find the top three companies that offer cheap car insurance after a DUI conviction:State Farm: $1,543 per yearTravelers: $3,070 per yearProgressive: $3,480 per yearIf you’ve been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$1,443$1,543$1007%Travelers$1,995$3,070$1,07554%Progressive$2,482$3,480$99840%Allstate$2,614$3,548$93436%Mercury Insurance$2,156$3,821$1,66577%American Family$2,429$4,022$1,59366%GEICO$1,708$4,189$2,481145%Farmers$2,328$4,552$2,22496%CSAA Insurance (AAA)$3,651$5,110$1,45940%USAA*$1,672$3,352$1,680100%*USAA is only available to military community members and their families.Powered by: *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in NevadaFull 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 thoughtsWhile 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.MethodologyInsure.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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani GiteContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in NevadaHow we choose the cheapest car insurance companies in NevadaCheapest ZIP codes for car insurance in NevadaCheapest car insurance in Nevada by ageCheapest car insurance in Nevada by driver historyAverage car insurance cost in NevadaFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330