With over 110,000 miles of desert and as one of the least densely populated states in the country, Nevada is a state made for car and cruising enthusiasts. It’s home to a number of race tracks including the Las Vegas Motor Speedway, the National Automobile Museum in Reno and over 22,000 registered classic cars.
Nevada has a very competitive and healthy car insurance market. Here’s what to look for when shopping for insurers with the best rates:
- Consider local and regional insurers
- Available discounts for clean driving records, students, etc.
- Usage-based vs pay-per-mile car insurance
- Providers with positive claims records
- Customer service ratings
- Providers with diverse services like online chat, roadside assistance, smartphone apps, etc.
These are our picks for the cheapest car insurance in Nevada.
Best car insurance companies in Nevada
| Provider | Average annual full coverage premium | J.D. Power customer satisfaction score |
|---|---|---|
| Allstate | $2,221 | 830/1000 |
| American Family | $2,107 | 834/1000 |
| Farmers | $2,744 | 823/1000 |
| Geico | $1,070 | 834/1000 |
| State Farm | $1,559 | 826/1000 |
Allstate
With tools like Drivewise that help you lower your car insurance costs, Allstate is a great option for drivers looking for cheap but quality car insurance.
American Family
American Family Insurance not only has competitive car insurance rates, but also puts heavy focus on making themselves accessible through the MyAmFam app, 24/7 claim support and more.
Farmers
Farmers Insurance makes sure you don’t lose any belongings with Guaranteed Value protection, new car replacement coverage, accident forgiveness and an Original Equipment Manufacturer (OEM) program.
Geico
Geico offers cheap premiums for additional protections like personal injury protection (PIP), roadside assistance and rental car insurance with tons of opportunities to save like an air bag discount of up to 40 percent.
State Farm
State Farm has several competitive auto insurance discounts for Nevada residents like the good driving discount, driver training discount, multiple line discount and more.
Average car insurance cost in Nevada
Car insurance in Nevada is far more expensive than it is for the majority of the country. While the average cost of car insurance in the U.S. is $1,738 per year, the average premium in Nevada is $2,058 each year.
| Average annual premium for minimum coverage in Nevada | Average annual premium for full coverage in Nevada |
|---|---|
| $709 | $2,058 |
How to get the best car insurance
Before finding the best cheap Nevada auto insurance, it’s important to understand how rates vary between providers and what factors can affect your rate when deciding on the best insurer for you.
- Evaluate your needs: The cost of your car insurance policy depends on several rate factors, such as the car you drive, your driving history, credit score and whether there are any teenage drivers on your policy.
- Consider state factors: Nevada residents need to secure minimum liability insurance requirements of $25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more persons in any one accident, and $20,000 for injury to or destruction of property of others in any one accident.
Car insurance discounts in Nevada
To make sure you are getting the best deal on your car insurance, you should explore the different discounts that car insurance companies offer.
| Discount | Allstate | American Family | Farmers | Geico | State Farm |
|---|---|---|---|---|---|
| Anti-lock brakes | X | X | |||
| Anti-theft devices | X | X | |||
| Automatic payment/paperless billing | X | X | X | ||
| Defensive driving course | X | X | X | ||
| Early signing | X | X | |||
| Full payment | X | X | X | ||
| Good student | X | X | X | X | X |
| Green vehicle | |||||
| Loyalty | X | ||||
| Low annual mileage | X | X | X | ||
| Military | X | ||||
| Multiple policies | X | X | X | X | X |
| Multiple vehicles | X | X | X | X | |
| Occupational or organizations | X | X | |||
| Safe driver/accident free | X | X | X | X | X |
| Safety features | X | X | X | X |
Frequently asked questions
What is the cheapest car insurance in Nevada?
Rates vary widely among insurers, so the cheapest car insurance in Nevada depends on your personal needs, driving record, credit score and what discounts you’re eligible for.
What information is needed in order to get car insurance in Nevada?
When purchasing car insurance, you need a driver’s license and vehicle registration to get started. If you are moving from another insurance company, you need your existing insurance declaration page as proof of insurance.
What other types of car insurance can I buy?
You can also purchase collision insurance, which covers your medical expenses and damages done to your car resulting from a collision, or comprehensive insurance, which insures you against theft or other damage to your vehicle that is non-collision related.
How much car insurance am I required to have in Nevada?
The minimum liability insurance requirements for Nevada are $25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more persons in any one accident, and $20,000 for injury to or destruction of property of others in any one accident.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.
Share