Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance in Nevada for 2023

Written by
Carol Pope
Edited by
Jessa Claeys
Updated Apr 28, 2023
Compare car insurance rates
Answer a few questions to discover real rates from top-tier carriers in your area.
Location-Icon
Lock Secure Your information is secure
Select from a variety of trusted carriers
+ MORE
User
Tell us a little about yourself
We’ll only ask for info we’re confident will impact your rate. That way, we can provide you with the most accurate and personalized offers.
Insurance Auto
Choose which policy is best for you
Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you’d like.
Congrats
Lock in your rate and policy details
Once you’re confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that’s it!
Bankrate logo The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our 

On This Page
Savings

Compare rates and save on auto insurance today!

ZIP code
Close X

Best car insurance companies in Nevada

According to proprietary data from Quadrant Information Services, the average cost of a full coverage car insurance policy in Nevada is $2,779 per year, with minimum coverage averaging $973. In addition to average premiums, Bankrate’s insurance editorial team reviewed customer satisfaction scores per the J.D. Power 2022 U.S. Auto Insurance Study, potential savings opportunities and more to help drivers find the best car insurance companies in the state. The top carriers based on our research include Geico, USAA, Progressive, State Farm and American Family. 

Geico
4.4
Bankrate Score
Info
J.D. Power score (Southwest region)
827
/1,000
Average monthly full coverage premium
$101
Average annual full coverage premium
$1,215
USAA
4.3
Bankrate Score
Info
J.D. Power score (Southwest region)
856
/1,000
Average monthly full coverage premium
$155
Average annual full coverage premium
$1,854
Progressive
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
800
/1,000
Average monthly full coverage premium
$159
Average annual full coverage premium
$1,913
State Farm
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
848
/1,000
Average monthly full coverage premium
$181
Average annual full coverage premium
$2,168
American Family
3.8
Bankrate Score
Info
J.D. Power score (Southwest region)
Not rated
Average monthly full coverage premium
$228
Average annual full coverage premium
$2,740
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Geico
4.4
Bankrate Score
Info
J.D. Power score (Southwest region)
827
/1,000
Average monthly minimum coverage premium
$33
Average annual minimum coverage premium
$392
USAA
4.3
Bankrate Score
Info
J.D. Power score (Southwest region)
856
/1,000
Average monthly minimum coverage premium
$55
Average annual minimum coverage premium
$663
Progressive
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
800
/1,000
Average monthly minimum coverage premium
$53
Average annual minimum coverage premium
$638
State Farm
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
848
/1,000
Average monthly minimum coverage premium
$57
Average annual minimum coverage premium
$684
American Family
3.8
Bankrate Score
Info
J.D. Power score (Southwest region)
Not rated
Average monthly minimum coverage premium
$96
Average annual minimum coverage premium
$1,147
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*USAA is not officially ranked by J.D. Power due to eligibility restrictions.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
SAVE WITH TRUSTED PROVIDERS
+ MORE
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for coverage on a budget

4.4 Bankrate Score
JD Power: 827 AM Best: A++

Average annual premium

$ 1,215 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Geico made our list: Geico’s average full coverage rate in Nevada is an astounding 56 percent cheaper than the state average. Not only are its average premiums some of the lowest, but Geico also offers a long list of discounts that could save you even more. DriveEasy, the company’s telematics program, could lower your premium if you practice safe driving habits. Eligible government employees and military members might earn a discount, too. Plus, drivers could qualify to save up to 25 percent for insuring more than one vehicle on the same policy. These discounts are only some of the reasons why Geico tied for the best auto insurance company overall in the 2023 Bankrate Awards. 

Who Geico may be good for: If you’re looking for a cheap, fairly basic car insurance policy, Geico could be the company for you. 

Read full Geico insurance review

Best for military-focused perks and benefits

4.3 Bankrate Score
JD Power: 856 AM Best: A++

Average annual premium

$ 1,854 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why USAA made our list: To purchase a USAA insurance policy, you must be active-duty military, a veteran or an eligible family member. Those who qualify could potentially enjoy unique military-focused benefits. For instance, policyholders who garage their cars on a military installation might pay less for comprehensive coverage. Additionally, if you are deployed and put your vehicle into storage, you could save up to 60 percent. If you’re looking for ways to spend less on everyday products and services, the USAA Perks program may also be of interest. Here, policyholders can find exclusive discounts on rental cars, meal subscription plans, vehicle repair, home security systems and more. 

Who USAA may be good for: USAA could be a great company if you’re looking for top-notch customer service and military-focused benefits not found with other carriers (as long as you meet eligibility guidelines).  

Read full USAA insurance review

Best for digital tools

4.2 Bankrate Score
JD Power: 800 AM Best: A+

Average annual premium

$ 1,913 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Progressive made our list: Progressive’s digital tools help make it easy purchase insurance and manage your policy from the comfort of your home. In the J.D. Power 2022 U.S. Insurance Digital Experience Study, Progressive won third place in the service category and fourth for shopping. Those new to insurance may be especially pleased with the company’s Name Your Price Tool, which assists shoppers in finding a coverage package that meets their needs, as well as their budget. Once on board, users can make changes to their policies via Progressive’s online portal or highly-rated mobile app. 

Who Progressive may be good for: Drivers who prioritize digital tools over customer service might want to request a quote from Progressive. 

Read full Progressive insurance review

Best for top-notch customer service

4.2 Bankrate Score
JD Power: 848 AM Best: A++

Average annual premium

$ 2,168 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why State Farm made our list: State Farm is the largest car insurance company in the U.S. by market share and primarily operates through a wide network of neighborhood agents. Working with a local agent could have benefits, like enjoying personalized service. The company earned the top spot in the Southwest region per the J.D. Power 2022 U.S. Auto Insurance Study and tends to offer low average rates for many types of drivers, including those without clean driving records. In fact, it won the 2023 Bankrate Award for best auto insurance company for high-risk drivers. 

Who State Farm may be good for: Although the company’s coverage options may not be as robust as some, drivers who like to have a one-on-one relationship with their insurance agent might enjoy the customer service experience State Farm has to offer.  

Read full State Farm insurance review

Best for bundling

3.8 Bankrate Score
JD Power: Not rated AM Best: A

Average annual premium

$ 2,740 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why American Family made our list: American Family might not offer the cheapest car insurance rates, but it could be one of the best homeowners insurance companies in Nevada. The company’s bundling discount (which could save you up to 23 percent on both home and auto) may help offset its relatively high auto insurance rates. American Family’s average home insurance premium in Nevada is $677 (for $250,000 in dwelling coverage) — quite a bit lower than the statewide average of $889. The company also earned second place for customer satisfaction in the J.D. Power 2022 U.S. Home Insurance Study. 

Who American Family may be good for: American Family could be ideal for Nevadans who are shopping for both home and auto insurance and value low average home insurance rates coupled with customer satisfaction.  

Read full American Family insurance review

How Bankrate chose the best car insurance companies in Nevada

Bankrate’s insurance editorial team has hands-on experience helping drivers find coverage that best suits their needs. To find the best car insurance in NV, we started by analyzing premium data sourced from Quadrant Information Services. However, our time as agents taught us that the cheapest car insurance company isn’t always the best. 

Keeping affordability in mind, we also reviewed other factors such as coverage options, digital tool availability, corporate sustainability and more. We distilled this information into a Bankrate Score, ranging from 0.0 to 5.0. The higher a company’s Bankrate Score, the better it fared in our holistic evaluation. We created this proprietary scoring method to give our readers a simple way to size up carriers as they shop for new insurance.

How much is car insurance in Nevada?

The average cost of car insurance in Nevada is much higher than in most of the country. A full coverage auto policy in Nevada costs an average of $2,779 annually; minimum coverage is $973. In comparison, the national average is $2,014 and $622, respectively. Nevada's average premiums are also much higher than that of its neighbors. In California, full coverage averages $2,291 per year, and Arizona's average rate is even lower at $1,810.

Nevada car insurance could be more expensive than average due to the state’s high rate of accidents involving drugs and alcohol. In 2021 (the most recent year data is available), nearly 60 percent of all car accident fatalities involved a driver under the influence.

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

How to find the best car insurance in Nevada

Taking some time to understand what you need most from your car insurance company could help guide your search for the best auto insurance in Nevada. Here are some tips that may prove useful when comparing quotes.

Consider minimum insurance requirements in Nevada 

Nevada’s car insurance laws require drivers to carry a minimum amount of liability coverage to drive on public roads. Although an agent can’t sell you a Nevada car insurance policy that fails to meet the state’s minimum limits, knowing what these limits are can help provide a benchmark when building your coverage package. 

It’s also important to note that carrying only the minimum may result in cheap car insurance but could leave drivers financially exposed after an accident. For enhanced protection, many insurance professionals suggest increasing your liability limits if you can afford to.

Consider lender requirements

If you have a loan or lien on your car, you may be required by your financial institution to have comprehensive and collision coverage. This is to protect the lender — which technically owns the car until you pay it off — in the event of an accident. You could also consider gap coverage. This type of insurance is intended to help cover the “gap” between how much you owe on a financed car and its actual cash value. Keep in mind that these additional coverage types will likely raise the cost of your premium.

Consider your individual needs

Understanding how you use your car could help you decide which car insurance carrier to go with and which types of coverage you need. If you don’t drive often, for example, having a low-mileage car insurance policy could be more suited to your needs and budget. Or maybe you take long trips across the Nevadan desert. If so, you might want to consider adding roadside assistance. And families with teen drivers may choose to opt for higher liability insurance limits for extra financial protection or look for companies with teen driver discounts to save money on their premiums.

Frequently asked questions

Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by
Jessa Claeys