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The average cost of basic liability car insurance in Nevada is $2,208 per year. Opting for full-coverage car insurance in Nevada will leave you with an average cost of $2,724 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare Best Car Insurance Quotes in Nevada
Now, keep in mind that the averages above are, well, averages. You might find higher or lower quotes based on your ZIP code, age, driving history, and other factors—everything from your car accident history to your marital status!
This can make it harder to find the cheapest car insurance in Nevada, but Jerry’s up to the challenge! Take a look below at some of the real quotes Jerry users in Nevada found in the app (and what they had to say about it):
Drivers in Nevada should look for car insurance quotes from companies like State Farm, GEICO, and Progressive—but these aren’t the only insurers offering competitive rates for Nevada drivers.
Auto insurance companies use algorithms to set annual premiums—and the algorithm is a little different for every company. For instance, USAA’s algorithm favors military members with good credit scores, while Progressive’s algorithm is more sympathetic to high-risk drivers and Nationwide’s tends to turn up the best rates for families with teen drivers.
Insurance in Nevada costs about 7–8% higher than the national average for each coverage type.
Is car insurance cheaper in Nevada?
Car insurance premiums in Nevada are about 7–9% higher than the national average.
Why is Nevada car registration so high?
When registering vehicles in Nevada, drivers must pay both a registration fee (usually $33) and a Governmental Services Tax.
This tax can make Nevada registration costs seem higher than other states, as it’s based on your vehicle’s original MSRP rather than gross vehicle weight.
How much will it cost to register my car in Nevada?
Though registration fees can vary from one county to the next, Nevada vehicle registration will usually cost about $33.
How much does car insurance cost in Nevada?
Nevada car insurance rates are significantly higher than the national average—for a few obvious reasons.
For one thing, Nevada’s (in)famous for its relaxed alcohol laws and the high-speed party atmosphere of Vegas and Reno. While most Nevada drivers aren’t tourists on the wildest weekend of their life, those factors still contribute to a heightened risk of collisions and insurance claims.
Nevada also has a fairly high number of uninsured drivers. Roughly one in 10 Nevada drivers has no car insurance, making policies more expensive for everyone else.
Here’s a rundown of what you need to know about car insurance in Nevada.
Nevada has a 25/50/20 rule. If you’re a driver in Nevada you need to have a minimum of $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability per accident, and $20,000 of property damage liability for each accident.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Nevada a no-fault state?
No, Nevada is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
Only liability insurance is required by law in Nevada.
Nevada’s state minimum coverage will protect your wallet if you’re in an at-fault accident, but you won’t be able to submit a claim for your own medical expenses or damage to your vehicle. And if you’re in an accident with one of Nevada’s roughly 97,000 uninsured motorists, you might be out of luck entirely.
That’s why experts recommend going beyond the minimum coverage limits and adding collision coverage and comprehensive insurance to your policy. Collision insurance pays for damage to your car caused by a collision, while comprehensive covers things like severe weather, animal incidents, vandalism, and theft.
A policy with both comprehensive and collision is often called a “full-coverage policy”—that’s how important they are!
Take a look at the graph below to understand how much you’re paying for each.
Cheap car insurance with a DUI or speeding ticket in Nevada
If you’ve got any violations on your record—from a minor speeding ticket to a major charge like DUI or reckless driving—you may have an especially tough time finding affordable coverage. Violations can cause your annual rates to skyrocket, and your insurance provider will likely maintain the rate hike as long as those points are on your license.
Finding a new insurance company with Jerry can help you unlock a lower rate if you’re carrying violations. Take a look at the savings drivers with violations found in the table below:
Young drivers pay some of the highest rates for Nevada auto insurance. These high rates are based on experience, so teen drivers have the highest premiums of all while drivers 25 years old and older typically see a drop in rates.
Nevada law requires young drivers to complete 50 hours of behind-the-wheel experience with a licensed driver over the age of 21—including 10 in the dark—to help foster confidence and good habits. That training can improve your safety on the road, but statistics still show that young drivers have a higher accident rate, making them a high risk for insurance companies.
When you think of Nevada, you probably think Vegas. Las Vegas is home to about 634,000 people and is the most population-dense city in the state, followed closely by Henderson and Reno. It’s also the Entertainment Capital of the World (or, if you prefer, Sin City).
It’s probably no surprise, then, that Las Vegas insurance costs are among the highest in the state. But even within city limits, you’re likely to see a big variation in premiums. Closer to the Strip, with dense traffic and high rates of drinking and partying, rates are higher. If you live further out, you might have a lower rate.
Drivers in Nevada’s vast rural areas may also see high rates due to accident fatalities, severe weather, or other factors.
Here’s a more specific breakdown of insurance prices for Jerry across Nevada:
Spring Creek has the longest average commute time in Nevada at 47.5 minutes. Long driving times increase the chances of being in an accident, and the long commute will add miles to your vehicle—these factors can lead to higher premiums.
The car (or SUV, or pickup) you drive in Nevada says a lot about you—and it can also have a huge impact on your car insurance premiums.
Some of that impact is pretty intuitive: the more expensive the car, the more it costs to insure. That’s because pricey cars generate bigger claims and higher costs to your insurance company. But other factors, like safety ratings, security features, and engine size can also affect your rate.
Take the Ram 1500 as an example. Nevadans love this truck, and it’s no wonder: it’s the perfect blend of luxury and rugged performance (a lot like the state of Nevada). But Ram 1500 insurance costs are higher than those of a cheaper truck like the Ford F-150.
The Ram has a higher starting price and lower safety ratings—it’ll cost even more to insure if it’s outfitted with the burly 5.7-liter Hemi V8, which insurance companies see as a speeding risk.
While liability insurance is an important starting point, it shouldn’t be the only auto insurance you carry—unless it’s really all you can afford. Driving with only liability insurance leaves you open to serious financial risks.
Adding extra coverage can protect you from a catastrophic repair bill or even a troublesome lawsuit. For instance, uninsured motorist coverage or underinsured motorist coverage can help out if you’re in an accident with someone whose insurance policy doesn’t meet state limits (or doesn’t exist). It’s often included in a full coverage car insurance policy, and it’s a good investment in a state like Nevada with a lot of uninsured drivers.
Check out the features below for some other risk factors that Nevada drivers face—and the additional coverage that can help you deal with them!
10.4% of drivers are uninsured in Nevada. It’s important to have uninsured/underinsured motorist insurance, as it can protect you from financial trouble if you’re in an accident with a driver who doesn't have liability.
Nevada has a 5.67/10 rating for road quality by residents. Having roadside assistance is a good idea; it gives you perks like towing, flat tires, and more…just in case you hit a stray pothole and are in need of some help.
How to reduce your car insurance costs in Nevada
Overpaying for car insurance could cost you hundreds of dollars a year—hundreds of dollars that could go to fuel costs, household essentials, or the important tradition of treating yourself. Here’s how you can reclaim those costs and put money back in your pocket in Nevada.
Shop around for quotes
You might be surprised by how much you can save just by comparing car insurance quotes. Aim to get rates from at least three different insurance companies and make sure you're comparing apples to apples. To take some of the legwork off your plate, work with a broker or use an insurance comparison app.
Look for discounts
While you’re shopping around, you can look for homeowners or renters insurance and bundle your policies for savings on both. But that's just one of a plethora of discounts Nevada drivers can benefit from. Safe driving, early payments, and even driving less can help you get car insurance discounts!
Here are some of the most popular ones for drivers in Nevada:
Clean Driving Record Discounts
Low risk drivers are less likely to make claims, so insurance companies will give them discounts. Having a clean driving record is an easy way to get a nice discount.
Customers who get home or renters insurance with the same carrier as their car insurance are eligible for bundling discounts, which can help them save. This also applies for insuring multiple cars under the same provider.
Defensive Driving Courses
Drivers who are at least 50 years old can take a state approved defensive driving course and save on their car insurance.
Increase your deductible
Increasing your deductible—the amount you pay before insurance—is another way to keep monthly premiums low.
A higher deductible would mean that you’d pay more out of pocket if you make a claim, but you could save money if you don’t think that’s likely. But it’s important to make sure that you can afford to pay the full deductible each time you would need to file.