Average cost of car insurance in Nevada in 2025

How much is car insurance in Nevada? 

To find the average cost of car insurance in Nevada, Bankrate’s team of insurance experts reviewed the most up-to-date rate data available from Quadrant Information Services. Based on our findings, Nevada drivers pay an average of $1,066 per year for minimum coverage car insurance and $3,577 for a full coverage policy. This is quite a bit more than the national average cost of car insurance, which is $2,685 per year for full coverage and $800 for minimum.

Your Nevada car insurance premium will vary depending on a number of factors. From your location to your age and your driving record, car insurance is highly personalized. We know that estimating your car insurance premium can feel like a guessing game, so our insurance editorial team compiled average rates for multiple driver profiles to give you better insight into how your insurance costs are calculated.

Key takeaways

• Car insurance in Nevada averages $89 per month for minimum coverage and $298 per month for full coverage.
• Of the cities in Nevada, Winnemucca has the highest average annual rates for full coverage at $2,128 per year.
• 18-year-old male drivers in Nevada face the highest rates for full coverage of any age group, with an annual average of $9,596 for full coverage.
• Getting a DUI in Nevada increases the average full coverage premium by 60 percent more.
• Having an excellent credit rating in Nevada, on average, causes rates for full coverage to be 16 percent less.

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Nevada car insurance rates by city

Rates tend to vary based on your city. Larger metropolitan areas typically see higher rates than smaller metros or more suburban or rural areas. High population density typically leads to heavy traffic, which could lead to more claims. Congested cities also tend to have higher rates of vehicle theft, which in turn creates higher premiums. For instance, average car insurance costs in North Las Vegas are higher than those in Henderson.

Average car insurance costs by age and gender in Nevada

Besides location and carrier, age and gender can also significantly affect your premiums. Younger drivers typically pay more for coverage than older, more experienced drivers, based on perceived risk. For both male and female drivers, rates tend to level out around 25 and continue to decline until about age 60. The tables below that show rates by gender are based on drivers who are on their own policies and not on their parent’s, with the exception of 16-year-olds who must be on their parent's policy.

Cost considerations for young drivers in Nevada

If you’re a younger driver, you might want to stay on your parents’ policy. Young drivers on their parents’ car insurance can save between 30 and 61 percent on their premiums compared to purchasing their own policy. Be mindful that some insurers have stipulations and may require a young driver to live at home in order to be added.

How does driving record impact the cost of car insurance in Nevada?

Car insurance rates in Nevada by credit score

Nevada car insurance rates by vehicle type

Estimate your car insurance cost in Nevada

The rates and driving profiles listed above can give you a general idea of the average car insurance cost in Nevada — but what about your driving profile? If you’re a young female Toyota Corolla driver with a speeding ticket conviction, how much would you pay then? Or if you’re a 70-year-old male with a spotless record and a BMW? That’s why Bankrate created the calculator below: after you enter a couple of basic pieces of information, you’ll be presented with a rough estimate of your car insurance costs.

How to save on car insurance in Nevada

Several variables go into determining rates that drivers have little control over, but there are often ways to save on premiums that go beyond age and location. Below are some of the strategies drivers in Nevada can use to try to lower their rates:

• Bundle your policies: Many insurers offer a discount on both policies if you purchase more than one from them. Common bundles include home plus car, but you may also be able to combine renters plus car or even life plus car.
• Keep your record clean: One of the biggest factors in determining your rate is whether you have marks on your license. Keeping a clean driving record will almost always earn you a lower rate than someone with accidents, a DUI or other moving violation if all other factors are equal. If you do have past infractions, consider taking a defensive driving course, which can help you brush up on your skills and may earn you a discount.
• Avoid DUIs: Nevada locations such as Las Vegas have many opportunities to go out and enjoy yourself, but when you do, avoid driving afterward if you've had something to drink. Either name someone in your group as designated driver or take a taxi or rideshare like Uber after you've been drinking.
• Compare prices: When looking for a new policy, it's worth the time to ask for quotes from several likely companies. You may be surprised to find that you receive a broad range of prices, and you can choose the most reasonable one for your coverage. Just be sure you are asking all the carriers for the same levels and types of insurance.

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