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Compare Best Cheap Car Insurance Quotes in Nevada, 2023

Nevada drivers save as much as $792/year when switching with Jerry. Compare quotes from top insurance companies including Progressive, Allstate, and AAA for free today!
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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):
Quote DateCar
Before Jerry
After Jerry
CityNameAgeInsurance Company
March 3, 2023Kia Sportage EX$164/mo.$91/mo.Las VegasEstella C.50Progressive
December 1, 2022Chrysler 200 LX$130/mo.$85/mo.Las VegasTom D.44Progressive
January 2, 2022Mitsubishi Lancer ES$240/mo.$223/mo.Carson CityMyra T.25Progressive
September 25, 2021Dodge Dakota Quad$67/mo.$62/mo.Sun ValleyPearl B.53Mercury
May 6, 2021Chevrolet Tahoe C1500$150/mo.$91/mo.Las VegasMartin G.35Mercury

Best car insurance companies in Nevada

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 Company
Average Cost
Annual Savings with Jerry
National General$2,990$794
Compare Prices

Nevada car insurance FAQs

Insurance in Nevada costs about 7–8% higher than the national average for each coverage type.
Car insurance premiums in Nevada are about 7–9% higher than the national average.
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.
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 car insurance requirements

Each state has minimum insurance requirements that you must meet before you can legally hit the road. Nevada’s minimum car insurance requirements include at least $25,000 per person / $50,000 per accident in bodily injury liability coverage and $20,000 per accident in property damage liability.
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.
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.
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:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,614$657
Improper Passing$3,314$926
Speeding under 15$3,061$863
Failure to Obey Traffic Sign$3,043$783
Driving on Sus. License$2,148$656
Speeding over 15$3,720$646
Cell Phone$2,817$645
Racing/Drag Racing$2,754$601
Insurance Cost With a DUI in Nevada
If you get a DUI in Nevada, you can expect your car insurance to increase by an average of $75.25 per month.
Read Nevada DUI Information:
Insurance Cost With a Reckless Driving Citation in Nevada
If you have a reckless driving citation, you should expect your insurance to increase to an average of $92.91 per month.
Read Nevada Reckless Driving Information:

Average cost of car insurance in Nevada by age

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.
While you’re unlikely to enjoy the same low rates as your parents, you can still find a great deal on car insurance by shopping around and maintaining a clean driving record.
How can young drivers save money on car insurance in Nevada?

Average Nevada car insurance rates by city

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:
Average Cost
Annual Savings with Jerry
Carson City$1,802$611
Las Vegas$2,342$680
North Las Vegas$2,270$635
Silver Springs$2,019$761
Sun Valley$2,129$788
Least Expensive Cities in Nevada
On the other hand, Fallon has the cheapest car insurance rates in Nevada at $1,252 a year.
City with Highest Rates of Accidents in Nevada
Sparks has the highest accident rate in Nevada, as 9.27% of drivers have a prior at-fault accident on their record. Living in a city with high accident rates will result in higher premiums.
Read Nevada Accident Information:
Cities with the Longest Commute Times in 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.
Read Commuting Insurance Information:

Cost to insure your car in Nevada

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.
Average Cost
Annual Savings with Jerry
Chevrolet Monte Carlo Ss$2,397$980
Ford Edge SEL$3,050$900
Toyota Prius$2,718$630
Nissan Sentra S$2,544$581
Lexus Nx 200T$2,468$576
Most Popular Car in Nevada
The most popular vehicle in Nevada is the Ram Pickup 1500. Ram 1500 drivers spend $1,743 in car insurance every year on average, but drivers can use Jerry to find cheaper quotes.
Read more about your Ram:

Do you need more than the minimum car insurance in Nevada?

Most states have minimum insurance requirements that you must meet to hit the road.
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!
In 2020, 10,556 vehicles were stolen in Nevada. You can rest easy with comprehensive insurance knowing that you’re covered from theft and vandalism.
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.
Read information about uninsured drivers:
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.
Bundling Discounts
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.

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