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Average cost of car insurance in Nevada for 2022

Updated Nov 15, 2022
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Nevada car insurance rates vary on average depending on whether you are comparing minimum or full coverage. The average cost of car insurance in Nevada per year is $860 for minimum coverage and $2,246 for full coverage. However, you may be able to see lower rates than this if you know how and where to find more competitive rates, or if you can take advantage of discounts that lower your premium.

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How much is car insurance in Nevada?

Nevada auto insurance rates average between $860 and $2,246 per year, depending on the chosen level of coverage. Nevada averages a bit higher than the national average of $1,674 and $565 for full and minimum coverage, respectively. How much is car insurance in Nevada per month? Based on average quoted premiums from Quadrant Information Services, minimum coverage works out to around $71.66 per month. For full coverage, the average equates to $187.16 a month. However, many providers incentivize paying in full for your six or 12-month premium, which may lower your total costs overall.

However, many factors such as your location, age, vehicle value, driving record and car insurance carrier can affect your premiums. Your rates may be higher or lower than the state average based on these and other variables.

Nevada car insurance rates by company

One of the most significant ways to save on car insurance is by comparing quotes to find the cheapest carrier. There are many auto insurance companies in Nevada to choose from. Here are the average annual rates from the top car insurance companies (by market share) operating in the state, to help you see how widely rates may vary by provider.

CAR INSURANCE COMPANY AVERAGE ANNUAL PREMIUM FOR MINUMUM COVERAGE AVERAGE ANNUAL PREMIUM FOR FULL COVERAGE
AAA $958 $3,426
Allstate $1,010 $2,457
American Family $1,009 $2,146
Country Financial $719 $2,252
Farmers $1,415 $3,369
Geico $400 $1,116
Hallmark Financial $728 $2,053
Kemper $1,042 $2,844
Key $2,255 $4,505
Kingsway $2,363 $3,069
Mercury $828 $2,131

Nevada car insurance rates by city

Rates tend to vary based on your location, even down to your specific ZIP code. 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 the Winchester area in the vicinity of Las Vegas as the location with the highest insurance rates in the state. However, your premiums will likely vary from the averages presented below.
 
CITY AVERAGE ANNUAL PREMIUM FOR FULL COVERAGE % INCREASE IN AVERAGE ANNUAL PREMIUM
Kansas City $1,857 12%
St. Louis $2,277 37%
Springfield $1,573 -5%
Columbia $1.501 -10%
Independence $1,729 4%
St. Charles $1,590 -4%
Lee's Summit $1,603 -4%
St. Peters $1,579 -5%
St. Joseph $1,577 -5%
O'Fallon $1,572 -5%
Florissant $1,990 20%
Jefferson City $1,433 -14%
Joplin $1,499 -10%
Ballwin $1,693 2%
Blue Springs $1,608 -3%
Cape Girardeau $1,605 -3%
Chesterfield $1,700 2%
Fenton $1,713 3%
Sedalia $1,490 -10%
Oakville $1,24 10%

Nevada car insurance rates by age

Besides location and carriers, age can also significantly affect your premiums. Younger drivers typically pay more for coverage than older, more experienced drivers, based on perceived risk. Fortunately, premiums typically drop each year, when drivers maintain a clean, claims-free driving record.

AGE AVERAGE ANNUAL FULL COVERAGE PREMIUM IN MISSOURI
Age 16 $2,387
Age 18 $5,053
Age 20 $984
Age 25 $2,109
Age 30 $1,897
Age 40 $1,769
Age 50 $1,591
Age 60 $420
Age 70 $1,657

*16 year olds are calculated on parent’s policy

Nevada car insurance rates by driving record

A safe driver can typically save money on their premium in several ways. Citations and car insurance deductibles can add up. The table below shows insurance premiums after an accident or traffic violation, demonstrating how much your car insurance can increase. Just one speeding ticket can potentially raise your rate by 23%, on average.

DRIVING INCIDENT AVERAGE ANNUAL PREMIUM IN MINNESOTA % INCREASE IN AVERAGE ANNUAL PREMIUM
Speeding ticket $1,959 17.94%
Accident $2,235 34.55%
DUI $2,7714 63.39%

How to save on car insurance in Nevada

You may not be able to do much about your premiums based on your age or where you live. However, there are other ways you can keep rates low in Nevada:

  • 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.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Cynthia Paez Bowman
Personal Finance Contributor

Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com.