Average cost of car insurance in Nevada for 2023

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.

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.

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.

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.

*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.

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.

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.

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