Nevada Auto Insurance (2024)

Nevada auto insurance is expensive, partly due to the state’s high population, which causes a higher-than-average rate of auto accidents. So, it can be harder to find cheap auto insurance in Nevada unless you take the time to compare quotes from top companies.

To help you find the best car insurance company in Nevada with reasonable rates, we’ll cover average NV insurance rates based on a number of factors, such as coverage requirements, driving record, and more. Read more about the factors that affect auto insurance rates.

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Cheap Auto Insurance in Nevada 

Finding cheap car insurance requires more than just signing up with a company your friend recommends. Because rates can vary drastically from driver to driver, you have to do your own research into company rates based on your individual driving profile. 

To help you through this process, we’ve broken down average Nevada company rates by major driving factors, such as average insurance rates for DUIs, young drivers, and so on. 

This can help you narrow down your insurance company choices to just one or two of the best auto insurance companies based on price. Of course, we also recommend doing a bit of research on your chosen company, such as their financial health and customer complaints, before signing up. 

Cheapest Auto Insurance in Nevada for Minimum Liability 

Liability auto insurance is the absolute minimum that all drivers in Nevada must carry to meet Nevada minimum auto insurance requirements. Drivers without minimum insurance are driving illegally and will face multiple fines and penalties if caught. 

Because you are required to carry the minimum Nevada auto insurance policy, it is vital to shop around and see which company has the cheapest rates. Below, you can see which companies have the lowest average base rates for minimum liability insurance. 

Nevada Minimum Auto Insurance Monthly Rates by Provider

Geico, Progressive, and USAA have some of the cheapest average insurance rates for minimum liability insurance coverage. If you are just carrying minimum liability insurance on your car, it is worth looking into one of the companies with the cheapest base rates.

Read More:

• Geico Auto Insurance Review
• Progressive Auto Insurance Review
• USAA Auto Insurance Review

However, it is worth noting that while you can save up to $1,000 or more annually by carrying just a minimum liability insurance policy, we don’t recommend it unless your car is old and no longer worth much money. 

This is because minimum liability insurance only pays for other parties’ costs in accidents you cause. This means your own car repairs won’t be covered, and you’ll have to pay out of pocket to get your car roadworthy again. 

Cheapest Auto Insurance in Nevada for Full Coverage 

Full coverage auto insurance is more expensive than minimum liability insurance, as it includes comprehensive and collision insurance coverages in addition to liability coverage. 

However, full coverage is a better option if you can afford it, as your own car repairs will be covered and paid for in both situations where you cause an accident and where an accident happens due to weather conditions, animal collisions, and similar incidents outside of your control. 

To make sure you are getting the best deal on full coverage insurance, take a look below at the average Nevada company rates for full coverage policies. 

Nevada Full Coverage Auto Insurance Monthly Rates by Provider

Geico and USAA still have some of the cheapest rates on average for a full coverage insurance policy. Both companies’ average rate is about $1,000 less than companies like Allstate and Farmers. So if you have a fairly clean driving record and want to save money, make sure to avoid the more expensive companies when shopping for full coverage auto insurance. 

Cheapest Auto Insurance in Nevada for Young Drivers 

Shopping for auto insurance for teens can be frustrating due to the high insurance rates that companies charge. Teenagers and drivers in their early 20s pay the highest insurance rates — up to three times more than older drivers. 

It is most cost-effective for young drivers to be covered under a parent’s auto insurance policy, but if young drivers have to purchase their own policy, shopping around is vital. Insurance companies can range in average prices by thousands of dollars, as shown by the average rates for young Nevada drivers below. 

Full Coverage Auto Insurance Monthly Rates for Teens by Gender

Buying car insurance from a company like USAA or Geico can save young drivers thousands of dollars. With rates at companies like Allstate and Farmers averaging around $10,000 per year, it is best to stay away from the more expensive companies. 

Cheapest Auto Insurance in Nevada for Drivers With Bad Credit 

Nevada is one of the multiple states that allow insurance companies to use an applicant’s credit score as a price factor. As one of the non-driving-related factors that affect your auto insurance, poor credit scores could cause drivers to be charged a few hundred dollars more annually. 

You might also wonder how credit scores affect auto insurance rates. The increase in rates is because poor credit scores are an indicator that drivers are more likely to miss payments and drive without insurance, making them riskier to insure. 

Below, you can see how a driver’s credit score will impact their rates at Nevada insurance companies. 

Full Coverage Auto Insurance Monthly Rates by Credit Score

While USAA is one of the cheapest companies for basic insurance plans, its average rates run in the middle of the pack when drivers have poor credit, canceling it out as one of the best auto insurance companies for bad credit. Allstate and Farmers remain some of the most expensive companies to choose from. 

Cheapest Auto Insurance in Nevada After At-Fault Accidents

An at-fault accident raises your risk score at an insurance company, and also raises your rates for car insurance in Nevada. So, finding affordable auto insurance for drivers with accidents might be challenging.

However, some companies may offer an accident forgiveness plan, where they will forgive long-term customers’ first at-fault accident and won’t raise rates. Read our article to find the best accident forgiveness auto insurance companies.

This can save drivers hundreds of dollars and help them keep their cheap Nevada car insurance policy. However, if you don’t qualify for accident forgiveness, you can expect your insurance rates to increase by the following at Nevada companies. 

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

Your rates may increase upwards of $1,000 after an at-fault accident, which is why it’s helpful to choose a cheaper insurance company. Even if the cheaper company raises rates substantially, the final cost may still be cheaper than if you were at a more expensive insurance company. Some of the companies with the cheapest rates for an at-fault accident are Geico and USAA, whereas Allstate, Farmers, and Nationwide are more expensive. 

Cheapest Auto Insurance in Nevada After a DUI 

DUIs are one of the more detrimental incidents you can get on your driving record, as they usually drive up costs more than an at-fault accident or a poor credit score. 

What was once the cheapest company for you may become one of the most expensive companies after a DUI or DWI charge. The table below shows just how much insurance rates can increase for drivers with a DUI on their record. 

Full Coverage Auto Insurance Monthly Rates by Driving Record

Progressive and Geico offer some of the best auto insurance for drivers with a DUI, whereas Nationwide, Farmers, and Allstate average over $1,000 more than the cheapest companies. Keep in mind that these rates are just for a first DUI offense, rates will increase even more for subsequent DUI offenses. 

Cheapest Cities for Nevada Auto Insurance 

Your location has a huge influence on what you pay for car insurance rates. If you’ve moved to a different state before, you probably noticed a change in your insurance rates when you updated your address. 

Even when moving within a state, insurance rates can change as you move. This is because locations each come with their own unique risk factors, such as: 

• Crime
• Heavy traffic 
• High number of crashes
• Local animal collision risk 
• Severe weather 

For example, if you move from a relatively safe rural area with a record of few claims filed to a city in Nevada with a history of highjacked vehicles and multiple traffic crash claims, you can expect your insurance rates to go up. 

Paradise and Las Vegas have some of Nevada’s most expensive average insurance rates. If you move to one of these expensive cities from a cheaper city, you can expect there to be a hike in auto insurance rates. 

It may be hard to find cheap Las Vegas, NV auto insurance. We recommend getting a few free insurance quotes to ensure that the company you are currently with will still remain the cheapest based on your new area. 

Tips to Save on Nevada Auto Insurance 

While picking a good car insurance company and comparing car insurance rates are some of the best ways to reduce your car insurance costs, there are still a few other things you can do to save. Take a look at our recommendations for saving on Nevada car insurance below. 

• Drop unnecessary add-on insurance coverages. If you have add-on insurance coverages that you don’t really need, like roadside assistance, you can save on your policy by dropping these coverages. 
• Keep a clean driving record. Naturally, the best thing you can do is keep a clean driving record to keep your auto insurance rates as low as possible. Some companies may also offer lower rates if you complete a safe driving course. 
• Purchase a safe, affordable car. Rates partly depend upon what type of car you own. Cars that perform well in crashes and aren’t expensive to repair will cost less to insure than expensive cars that are prone to crashing and causing serious impact injuries. 
• Qualify for as many discounts as possible. Make sure you are qualifying for as many discounts with your car insurance company as possible. Even small discounts like a paperless billing discount can save you some money. Review the wide variety of discounts available in our list of auto insurance discounts.
• Raise your car insurance deductible. Raising your auto insurance deductible will reduce your auto insurance rates. Just keep in mind that raising your deductible will mean more out-of-pocket costs after an accident. 

Following the strategies above can help you reduce your auto insurance costs. Just make sure you aren’t sacrificing coverage for cost, as having a good insurance policy will financially protect you after a car accident and help you avoid expensive repair bills. 

Nevada Auto Insurance Laws 

The amount of coverage required in a state and its DUI laws can affect how much you pay for car insurance. If a state requires drivers to carry more insurance coverages than just liability insurance, for example, insurance in that state will cost more. 

The DUI and DWI penalties can also affect insurance rates, depending upon how harsh they are and if you need to carry a high-risk SR-22 certificate. 

Continue reading to learn more about Nevada DUI and auto insurance laws to see how they affect you. 

Nevada Minimum Auto Insurance Requirements 

Nevada requires all drivers to carry liability insurance, which consists of bodily injury liability and property damage liability. If you cause an accident, these coverages will pay for the other parties’ medical bills and property damage bills up to the coverage limits. 

The coverage limits that Nevada requires are as follows: 

• Bodily injury liability: $25,000 per person and $50,000 per accident
• Property damage liability: $20,000 per accident

If you can afford to do so, we recommend carrying higher limits than what Nevada requires. Accident costs can quickly increase past the lower limits of liability insurance, especially if you damage more than one vehicle or injure more than one person, which means your out-of-pocket costs for an accident could be high.

For example, if you total someone’s $40,000 sports car, your minimum insurance coverage will only pay for $20,000 of the repairs. This means that unless the other driver has good insurance that can pay the rest, such as underinsured motorist coverage, you are on the hook for the rest of the accident expenses. 

Optional Nevada Auto Insurance Coverages 

While Nevada doesn’t require drivers to carry full coverage insurance policies (made up of liability, collision, and comprehensive coverages), lenders will usually require it. So you will need full coverage auto insurance to finance a vehicle. Optional coverages beyond liability insurance in Nevada include:

• Collision auto insurance
• Comprehensive auto coverage
• Medical payments
• Personal injury protection insurance
• Uninsured/underinsured motorist
• Gap insurance
• Rental car insurance
• Rideshare auto insurance
• Roadside assistance coverage
• Windshield repair or replacement insurance 

Keep in mind that these insurance coverages may not be available at all insurance companies. Some of the insurance coverages may also be added as free perks at some insurance companies. Out of the optional coverages we’ve listed, the ones we most highly recommend considering carrying are comprehensive and collision insurance. 

Comprehensive insurance will pay for repairs to your car if it is damaged by an animal collision, falling object, weather, theft, or vandalism. Collision insurance will pay for repairs if you hit another car or object, such as a mailbox or fence post. 

Adding these two coverages to your insurance policy can protect you from a wide range of accidents and save you from huge out-of-pocket expenses for repairs. Learn more about collision vs. comprehensive auto insurance.

DUI Auto Insurance Penalties in Nevada 

Like the majority of states, Nevada has strict DUI laws and penalties to discourage people from driving under the influence. A DUI conviction in Nevada may result in some or all of the following penalties: 

• Alcohol/drug evaluation 
• Alcohol/drug treatment 
• DUI and victim impact classes 
• Fines ranging in severity
• Ignition interlock device (IID)
• Jail time or community service
• License suspension 
• Probation 
• SR-22 auto insurance certificate 

The severity of penalties will depend upon the number of DUIs the driver has had previously. Penalties will be more severe for a second DUI offense than a driver’s first DUI offense, although they all carry serious consequences. 

In addition to the state penalties listed above, drivers with DUIs will also find that their rates for auto insurance in Nevada will increase substantially. Nevada car insurance costs will stay high for years after a DUI. Even if you are able to get the DUI erased from your record after a few years, your rates will still be higher for a few years after that.

That means years of paying hundreds or thousands of dollars more for car insurance if you are charged with a DUI, which can add up to a significant amount over time. If you are charged with a DUI, shop around and see if you can find savings at another car insurance company.

SR-22 Auto Insurance Certificates in Nevada 

SR-22 certificates are proof that a high-risk driver is carrying the required amount of car insurance in Nevada to drive legally. Drivers will need SR-22 certificates to reinstate their licenses if they have been revoked due to a serious driving infraction. Some of the drivers who might be required to carry an SR-22 certificate include: 

• Drivers caught driving under the influence 
• Drivers caught driving with expired licenses 
• Drivers caught driving with revoked licenses 
• Drivers caught driving without insurance coverage 
• Drivers who have too many points on their driving record 

If you need to get an SR-22 certificate proving you are carrying the right insurance in Nevada, you will need to contact your insurance company. Your insurer will take care of filing the SR-22.

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Keep in mind that insurance companies may choose to drop high-risk drivers with SR-22 certificates or increase insurance rates drastically to offset the risk of insuring drivers who need SR-22 certificates. 

Insurance companies may charge a small additional fee to file the SR-22 certificate for you. Some may also refuse to insure you. In extreme cases, you will have to go through state insurance programs in order to get car insurance if you can’t find a regular insurance company willing to work with you. 

Finally, if you don’t have a car, you may be confused about how you can get an SR-22 certificate in order to drive. Because an SR-22 certificate is proof of insurance coverage, you will still need to purchase an insurance policy even if you don’t own a car. 

The only option, in this case, is to get non-owner SR-22 auto insurance, which will have the minimum liability insurance amounts that Nevada requires. 

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The Best and Cheapest Nevada Auto Insurance 

Because Nevada’s insurance rates are above the national average, drivers will have to work a little harder to find cheap car insurance rates. In addition to shopping around and comparing rates at Nevada companies, drivers should make sure they aren’t carrying unnecessary coverages and take advantage of the discounts offered by companies. 

If you are searching for cheaper rates, use our free quote comparison tool to find the cheapest Nevada auto insurance rates in your area. You may be able to find a cheaper Nevada auto insurance company if you shop around.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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