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Average cost of car insurance in Nevada for 2023

Car insurance in Nevada costs an annual average of $973 for minimum coverage and $2,779 for full coverage.

Updated Mar 22, 2023
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How much is car insurance in Nevada?

Nevada auto insurance rates average $973 and $2,779 per year for minimum and full coverage, respectively. Comparably, the average car insurance cost in Nevada is a bit higher than the national average of $2,014 and $622 for the same levels of coverage. So, how much is car insurance in Nevada per month? Based on quoted premiums from Quadrant Information Services, full coverage auto insurance in Nevada costs a monthly average of $232. However, many factors such as your location, age, vehicle value, driving record and car insurance carrier affect your premium. Your rates may be higher or lower than the state average based on these and other variables.

Average minimum coverage premium in Nevada Average annual full coverage premium in Nevada
$973 $2,779

Nevada car insurance rates by city

Rates tend to vary based on your city. Larger metropolitan areas typically see higher rates than smaller metros. If you plan on moving to Las Vegas, it is likely that car insurance in the city will be much higher than if you were moving to Boulder City, for example. Bankrate's findings show Nellis AFB as the location with the highest insurance rates in the state. However, your premiums will likely vary from the averages presented below.

Nevada city Average annual full coverage premium Percentage change from Nevada average annual full coverage premium
Blue Diamond $2,438 -12%
Henderson $2,571 -7%
Las Vegas $2,840 2%
Nellis AFB $2,948 6%
North La Vegas $2,827 2%

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. Likewise, male drivers typically pay more than female drivers and have higher rates of traffic incidents and claims filing. Fortunately, premiums typically drop each year when drivers maintain a clean, claims-free driving record.

The tables below that show rates by gender are based on drivers who are on their own policies and not on their parents, with the exception of 16-year-olds who must be on their parent's policy.

Age Average monthly full coverage premium in Nevada Average annual full coverage premium in Nevada
Age 16* $560 $6,724
Age 18 $786 $9,432
Age 20 $533 $6,392
Age 25 $294 $3,527
Age 30 $246 $2,946
Age 40 $231 $2,778
Age 50 $217 $2,607
Age 60 $212 $2,542
Age 70 $246 $2,954

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age Average monthly full coverage premium in Nevada Average annual full coverage premium in Nevada
Age 16* $489 $5,868
Age 18 $669 $8,033
Age 20 $454 $5,451
Age 25 $276 $3,310
Age 30 $241 $2,890
Age 40 $232 $2,779
Age 50 $217 $2,607
Age 60 $210 $2,523
Age 70 $233 $2,799

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Cost considerations for young drivers in Nevada

Young drivers are often less costly to insure when they are on their parents' policy instead of having their own.

Age Average annual premium for drivers on their parents' policy in Nevada Average annual premium for drivers on their own policy in Nevada
Age 16 $6,296 N/A*
Age 17 $5,753 N/A*
Age 18 $5,437 $8,733
Age 19 $4,902 $6,579
Age 20 $4,540 $5,922

*16- and 17-year-old drivers must be on their parents’ policy.

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

A safe driver can typically save money on their premium in several ways. Citations and car insurance deductibles can add up. Just one speeding ticket can potentially raise your rate by 21 percent, on average.

The table below shows how insurance premiums are impacted after a single at-fault accident, speeding ticket conviction or DUI conviction.

Driving incident Average annual full coverage premium in Nevada Percentage increase from Nevada average annual full coverage premium
Clean driving record $2,779 0%
Speeding ticket conviction $3,366 21%
At-fault accident $3,887 40%
DUI conviction $4,504 62%

Car insurance rates in Nevada by credit score

Although credit scores themselves don’t impact car rates insurance rates in Nevada, your credit history can. For instance, in Nevada, having a poor credit tier leads to an average rate increase on full coverage of 45 percent. Insurers use credit-based insurance scores to help them determine how risky a driver is to insure. California, Hawaii, Massachusetts and Michigan prohibit this usage.

Credit tier Average annual full coverage premium in Nevada Percentage change from Nevada average annual full coverage premium
Poor $4,027 45%
Average $2,945 6%
Good $2,779 0%
Excellent $2,480 -11%

Nevada car insurance rates by vehicle type

The type of car you drive can significantly impact your rates because of its correlation to the cost of claim payouts. Costs of repairs and replacement can vary dramatically based on the make and model of a vehicle.

Vehicle Average annual full coverage premium in Nevada
Toyota Camry $2,779
Ford F-150 $2,548
Honda Odyssey $2,361
BMW 330i $3,717
Toyota Prius $3,717

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 home or renters insurance with vehicle coverage: Buying your insurance policies with the same insurance company can commonly save you on both policies.
  • Focus on a clean driving record: Nevada allows you to complete traffic school to remove a moving violation once per year. Taking advantage could help keep your record clean and potentially save you from higher premiums.
  • Take a taxi: If you plan on a night out on the Las Vegas Strip, the cost of a taxi is far cheaper than a DUI, particularly when it comes to your insurance rates. Opting for a taxi or Uber instead of driving is an effective way to prevent a costly DUI from impacting your car insurance premium.
  • Shop around: To find the lowest Nevada auto insurance rates, get quotes from at least three or four companies to find the cheapest carrier. Comparing providers regularly can help too — you may find it worth switching carriers for cheaper car insurance as your circumstances change over time.

Estimate your car insurance cost in Nevada

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Written by
Joshua Cox-Steib
Insurance Contributor

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate,, The Simple Dollar,, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Insurance Editor