Advisor

Content on Jalopnik Advisor is commercial in nature and independent of Jalopnik Editorial and Advertising. Jalopnik Advisor content is free to consumers and always will be, however we and our partners may be compensated if you purchase a product or service through the links on this website.

Road in Southern Nevada

Best Cheap Car Insurance In Nevada

Learn where to find inexpensive car insurance coverage in the Silver State.

Invalid Zip Code

Powered by  

09/14/2023 05:55 PM

Compare Car Insurance Rates

Answer a few simple questions to save money on your policy

×

Even as the cost of auto insurance has increased, the Silver State still has a number of cheap car insurance options available. Based on our review team’s comprehensive research, we’ve identified USAA, Geico, and Progressive as some of the most affordable options for Nevada drivers.

To give you a better sense of what you may pay for auto insurance, we analyzed the costs of car insurance in Nevada for different types of drivers, including good drivers and those with bad driving records. We recommend comparing rates and policies from several of the best car insurance providers to find the right auto insurance policy for you.

Compare Car Insurance Rates
Get matched with a top provider and compare instant quotes in just a few clicks

Powered by

Cheap Car Insurance In Nevada

Based on our rate estimates, USAA is typically the cheapest option for full coverage car insurance in Nevada, costing an average of $1,357 annually. With an average annual premium of $1,435 per year, Geico is a close second.

Car Insurance Providers in Nevada Estimated Annual Cost
USAA $1,357
Geico $1,435
Progressive $1,486
State Farm $1,607
Travelers $2,296
American Family Insurance $2,847
Allstate $2,891

How Much Is Auto Insurance In Nevada?

The average cost of full coverage car insurance in Nevada is $2,354 per year. Compared to the national average of $1,732, Nevada drivers pay about 36 percent more for auto insurance. According to the National Association of Insurance Commissioners (NAIC), Nevada was the ninth-most expensive state for auto insurance in 2018.

Although the cost of auto insurance in Nevada is high, there are ways you can save on your policy, such as taking advantage of discounts and maintaining a clean driving record. Your personalized insurance rates will vary based on several factors, which include:

  • Age: Young people pay more for car insurance because they have limited driving experience and are considered high-risk drivers.
  • Gender: The cost of car insurance tends to be higher for men than for women in most states.
  • Marital status: Car insurance rates for married drivers are generally lower than those for single drivers. Married drivers tend to be eligible for family or bundling discounts as well.
  • Driving record: Violations such as speeding tickets, accidents, and DUIs have a significant impact on car insurance rates.
  • Credit score: Auto insurance rates are usually higher for Nevada drivers with bad credit scores than for those with good credit scores.
  • Coverage level: Full coverage policies usually cost more than state minimum liability policies.

Cheapest Nevada Car Insurance: Young Drivers

Nevada’s young drivers can generally find the cheapest car insurance coverage through Geico. USAA, Progressive, and State Farm are also excellent affordable options with average costs below $2,200 a year.

Car Insurance Providers in Nevada Estimated Annual Cost
Geico $1,469
USAA $2,003
Progressive $2,119
State Farm $2,134
Travelers $2,763

Cheapest Nevada Car Insurance: Speeding Tickets

Nevada drivers with recent speeding tickets on their records can expect their insurance rates to increase, but USAA offers the cheapest average cost at $1,585 annually.

Car Insurance Providers in Nevada Estimated Annual Cost
USAA $1,585
State Farm $1,751
Progressive $2,006
Geico $2,173
Travelers $2,945

Cheapest Nevada Car Insurance: Recent Accidents

Nevada drivers with accidents on their records will pay higher insurance costs. USAA offers the cheapest average coverage price at $1,855 per year. With policies averaging $1,895 a year, State Farm is another good choice to consider.

Car Insurance Providers in Nevada Estimated Annual Cost
USAA $1,855
State Farm $1,895
Progressive $2,426
Geico $2,927
Travelers $3,218

Cheapest Nevada Car Insurance: Bad Credit

Car insurance rates in Nevada may be double for drivers with poor credit scores. Our rate estimates indicate that Geico offers the cheapest coverage at $2,180 per year. Alternatively, drivers with bad credit may find cheap rates with Progressive or USAA.

Car Insurance Providers in Nevada Estimated Annual Cost
Geico $2,180
Progressive $2,256
USAA $2,816
State Farm $3,222
Travelers $3,866

Top 5 Auto Insurance Companies In Nevada

We have compiled a list of our top five picks for Nevada auto insurance. During our extensive research, we found that Geico, USAA, and Progressive were the best providers for Nevada drivers when it came to cost, coverage, and customer service.

Best Car Insurance in Nevada Overall Rating Cost Rating Coverage Rating
1. Geico Car Insurance 5.0 4.5 5.0
2. USAA Car Insurance 5.0 5.0 4.5
3. Progressive Car Insurance 4.5 4.5 4.5
4. State Farm Car Insurance 4.5 4.5 4.0
5. Travelers Car Insurance 4.0 4.0 4.5

*Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Nevada.

#1 Geico: Best Overall Provider

Geico is our top pick for cheap car insurance in Nevada, as the company offers some of the lowest premiums in the state. Geico has an A++ financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB). The company also received an above-average score in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠.

In addition to standard coverage options, Geico offers add-on coverage such as roadside assistance, mechanical breakdown coverage, and rental reimbursement. Drivers can also lower their rates by taking advantage of Geico’s several discount opportunities.

Geico Pros And Cons

Pros A+ rating from the BBB and A++ financial strength rating from AM Best Affordable rates for Nevada drivers Wide range of coverage options and discounts
Cons Doesn’t offer gap insurance

#2 USAA: Best For Military Members

USAA stands out as another great choice for auto insurance in Nevada. While its policies are only available to military members, veterans, and their families, the provider offers incredibly affordable rates to those who qualify for coverage. USAA has a stellar reputation, holding an A+ rating from the BBB as well as an A++ rating for financial strength from AM Best.

In the J.D. Power 2021 U.S. Auto Insurance Study℠, USAA received the highest customer satisfaction score in the Southwest region, with 863 out of a possible 1,000 points. In addition to its basic coverage, USAA auto insurance offers coverage options such as gap insurance, roadside assistance, and accident forgiveness.

USAA Pros And Cons

Pros A+ rating from the BBB and A++ financial strength rating from AM Best High J.D. Power study scores Great additional coverage options
Cons Not all Nevada drivers qualify for coverage

#3 Progressive: Best Usage-Based Insurance

In our research to find the cheapest car insurance in Nevada, Progressive often offered the most affordable rates for drivers and motorists with flawed driving history or poor credit.

Progressive has been in the insurance business since 1937 and holds a positive reputation within the industry. It has an A+ rating from AM Best. However, it scored below average in the J.D. Power 2021 U.S. Insurance Shopping Study℠ and the J.D. Power Auto Claims Satisfaction Study.

Progressive offers many discounts and programs for drivers to save on their auto insurance, including homeowner, good student, and multi-policy discounts. Snapshot®, its usage-based insurance program, can save drivers over $100 per year. In addition to regular coverage options, you can purchase rideshare coverage and roadside assistance.

Progressive Pros And Cons

Pros A+ rating from AM Best Offers usage-based Snapshot program Extra coverage options, such as rideshare coverage and roadside assistance
Cons Below-average J.D. Power ratings

#4 State Farm: Best For Student Drivers

We rated State Farm among the top car insurance companies for Nevada drivers. State Farm is the country’s largest insurance provider and is a smart choice based on its affordable rates, good reputation, and reliable claims process. As for State Farm’s industry standing, AM Best gives the insurer an A++ rating for financial strength, and the company has an A rating from the BBB.

State Farm offers student discounts of up to 25 percent until drivers turn 25, making it one of Nevada’s most affordable car insurance options for students. State Farm’s Steer Clear® program also gives young drivers under 25 years old the chance to save up to 20 percent on auto insurance coverage.

State Farm Pros And Cons

Pros Affordable rates for student drivers Offers several discount programs A BBB rating and high customer satisfaction score in J.D. Power Auto Claims Satisfaction Study
Cons Low customer review score from the BBB Limited coverage options

#5 Travelers

Our team of experts made Travelers our final pick for the best car insurance in Nevada due to its high industry ratings and great reputation. With 13,000 independent agents nationwide, Travelers can match you with a local insurance expert who can help you choose the level of coverage that best fits your needs.

Travelers offers several additional coverage options to Nevada drivers, such as gap insurance, new car replacement, accident forgiveness, and rideshare coverage. Its local insurance agents can also assist you in bundling your business, life, and home insurance policies to help you save more in the long run.

Travelers Pros And Cons

Pros BBB rating of A and AM Best financial strength rating of A++ Excellent customer service reputation Great bundling discounts
Cons Policies must be purchased through local agents

Nevada Insurance Requirements

In the state of Nevada, the Department of Motor Vehicles (DMV) requires drivers to produce proof of insurance with limits of 25/50/20. When you are found at fault for an auto accident, your liability car insurance covers the damages paid out to others. The minimum coverage requirements for a basic car insurance policy in Nevada are as follows:

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

Additional Coverage Options

Basic liability coverage will only protect you from out-of-pocket expenses related to injuries or damages suffered by a motorist other than you–it does not cover your costs. It’s generally recommended that you add coverage such as the types below to your auto policy.

  • Comprehensive coverage
  • Collision coverage
  • Loan/lease payoff coverage
  • Rental car reimbursement
  • Roadside assistance coverage
  • Underinsured/uninsured motorist coverage for bodily injury

How To Get Nevada Car Insurance Quotes

Based on customer reviews, industry ratings, and our rate estimates, we’ve determined that Geico, USAA, and Progressive are the best car insurance options for Nevada drivers. State Farm and Travelers are also affordable car insurance providers that offer quality services at reasonable rates for Silver State residents.

Before deciding on coverage, we recommend reaching out to our top recommendations for car insurance in Nevada for free quotes to see how much you might pay for a policy.

Compare Car Insurance Rates
Get matched with a top provider and compare instant quotes in just a few clicks

Powered by

Frequently Asked Questions

Does Nevada require full coverage car insurance?

According to Nevada law, you are required to carry minimum liability insurance with 25/50/20 limits ($25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $20,000 property damage liability). Full coverage car insurance is not required, but it is recommended for better protection if an accident occurs.

Is car insurance high in Nevada?

Car insurance rates in Nevada can be costly, but this depends on the provider and level of coverage you choose. According to our rate estimates, coverage costs from the cheapest providers in the state range from $1,300 to nearly $2,900 a year.

How much is car insurance in Las Vegas?

Based on our rate estimates, the average cost of car insurance coverage for Las Vegas residents is $2,587. The average cost for North Las Vegas residents is $2,529. On average, Las Vegas residents pay nearly 50 percent more than the national average of $1,732.

Is Nevada a PIP state?

The state of Nevada does not require personal injury protection (PIP) coverage.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.