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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.
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What To Know First
On average, Nevada car insurance rates are $2,779 per year for full coverage and $973 per year for minimum coverage. Our Bankrate insurance editorial team, which includes licensed insurance agents, analyzes rate data from Quadrant Information Services for over 100 auto insurers. With this insight, we assessed those that offer policies in the state to help Nevada drivers stay informed about how much they should expect to pay for coverage based on their circumstance.
- Of the five most populous cities in Nevada, Nellis AFB has the highest average annual rates for full coverage at $2,948 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 $9,432.
- Getting a DUI in Nevada increases the average full coverage premium by 62 percent.
- Having an excellent credit rating in Nevada, on average, reduces rates for full coverage by 11 percent.
On This Page
- How much is car insurance in Nevada?
- Nevada car insurance rates by city
- Average car insurance costs by age and gender in Nevada
- 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
- How to save on car insurance in Nevada
- Estimate your car insurance cost in Nevada
- Frequently asked questions
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 |
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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. 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.
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