Nevada’s car insurance costs are higher than average, thanks largely to relaxed alcohol laws and the many (many!) Las Vegas partygoers. But there are good rates out there, and your best chance of finding them is by comparing multiple quotes.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Nevada. And if you want to learn more about car insurance rates in Nevada, keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Nevada.
Cheapest minimum coverage car insurance in Nevada
The minimum required insurance coverage varies depending on your state laws. In Nevada, drivers must have the following:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Nevada:
Additional coverages you might want to consider when shopping for car insurance in Nevada
Coverage to consider
High crash rates
Collision insurance protects you in the event of an accident with another driver. It will cover repairs to your car so that you don’t have to pay (beyond your deductible) out of pocket.
Southern Nevada is particularly vulnerable to flash floods. Comprehensive insurance covers your car in the event of damage related to a weather event, like flooding.
Minimum coverage is all you need to drive in Nevada, but securing additional coverage to better protect you in the event of an incident is a good idea.
Best carriers for minimum coverage car insurance in Nevada
Getting caught driving without insurance in Nevada is a misdemeanor—and it will cost you financially, too. You’ll receive a fine ranging from $250 to $1,000, plus you’ll have to pay a license reinstatement fee of up to $750.
Comparing rates with different insurance companies can help you find the most affordable rates so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Nevada:
Full coverage insurance may cost more upfront, but it offers greater financial protection and can save you a lot in the long run.
Cost to insure your car in Nevada by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Fatal car accidents involving young drivers are on the rise in Nevada. Speeding, distracted and impaired driving, and lack of seatbelt use are all common factors in these accidents.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in Nevada with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Most traffic violations remain on your record for three years, though very serious ones stay for up to a decade. As a high-risk driver, insurance companies will adjust your premiums to reflect the added risk they must bear.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
In Nevada, insurance prices are typically higher in the areas immediately surrounding Las Vegas—particularly the strip. Tourists and partygoers flock to the area, where there are lots of crowds, lots of traffic, and lots of drinking.
The state has high insurance rates overall due largely to its lax drinking laws and high traffic fatality rates. That said, rates vary within the state depending on a number of local factors. Here are the top 10 cheapest cities for car insurance in Nevada:
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.