Car Insurance in Nevada

Find out if you're getting ripped off on your car insurance in less than two minutes.
Find insurance savings (100% Free)
No long forms · No spam · No fees
4.7
App rating
25M
Insurance Quotes
900K+
Happy users
$15M+
Savings found every month

Looking for cheap car insurance in Nevada?

Las Vegas is just one of many attractions in Nevada—but living in the state that’s home to Sin City doesn’t necessarily bode well for your car insurance rates. The required minimum car insurance is about on par with most other states, but relaxed alcohol laws tend to drive prices above the national average.
Where you live is just one of the factors that determine your insurance rate. So whether you’re in Las Vegas, Reno, or peaceful Minden, comparing rates between providers can help you find the best deal.
Jerry makes the process of comparison shopping a cinch. All you have to do is sign up and answer a few questions and then Jerry handles everything else—from compiling the best deals to helping you switch to monitoring rates as you approach your renewal date.
In case you need proof, here are some quotes from real Jerry customers in Nevada:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
January 21, 2021Mazda 3 TouringHenderson27Kemper$202/mo.$92/mo.
September 29, 2021Ford F250Fallon21Mercury$170/mo.$106/mo.
September 13, 2021Nissan Versa Note SLas Vegas28Mercury$200/mo.$124/mo.
October 9, 2021Mazda CX-5 TouringNorth Las Vegas42Mercury$185/mo.$136/mo.
March 3, 2021Mazda CX-5 GTLas Vegas30Progressive$187/mo.$149/mo.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does car insurance cost in Nevada?

The average cost of basic liability car insurance in Nevada is $2,259 per year. Opting for full-coverage car insurance in Nevada will leave you with an average cost of $2,034 per year.

How does the annual cost in Nevada compare to the rest of the country?

In comparison, the national average is $1,764 per year to buy basic liability car insurance and $2,486 per year to buy full-coverage car insurance.
Why is car insurance so expensive in Nevada? You can thank a few big factors:
  • Relaxed alcohol laws and Vegas party-goers increase overall risk
  • 14% of drivers in the state are uninsured—the sixth-highest rate in the country
  • Traffic fatalities are on the rise, which increases rates across the board
Here’s how the insurance savings with Jerry in Nevada compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
NV$2,462$1,781$2,252$1,342$2,757$2,093
National Average$2,491$1,672$2,359$1,390$2,763$1,962
NVNational Average
All Coverage Before Jerry
$2,462$2,491
All Coverage After Jerry
$1,781$1,672
Minimum Coverage Before Jerry
$2,252$2,359
Minimum Coverage After Jerry
$1,342$1,390
Full Coverage Before Jerry
$2,757$2,763
Full Coverage After Jerry
$2,093$1,962
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Top auto insurance providers in Nevada

Many of the most well-known insurance companies are available in Nevada, including GEICO, State Farm, and Allstate.
But the right insurance company for you may vary. Insurance companies all have their own formulas for calculating premiums, which means you’ll likely end up with very different quotes from each one—even for the exact same coverage.
The main factors that impact your cost are age, driving record, and location. But your car also makes a difference. If you drive an Audi S5 convertible, for example, you’ll pay more for full-coverage insurance than you would for a Mazda CX-5 because more expensive cars (not to mention sports cars!) cost more to insure.
Check out some of the great prices that Jerry customers have found with top insurance companies in Nevada:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$3,348$2,124Compare Prices
Kemper$3,179$1,075Compare Prices
Nationwide$3,503$957Compare Prices
Allstate$3,125$912Compare Prices
Dairyland$2,944$629Compare Prices
Travelers$3,486$340Compare Prices
Safeco$2,015$169Compare Prices
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

What car insurance do you need in Nevada

Most states have minimum insurance requirements that drivers must meet before hitting the road. In Nevada, you need at least the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$20,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Driving without securing insurance coverage that meets these limits could have some serious repercussions:
  • Fine of up to $1,000
  • Driver’s license suspension + reinstatement fee of up to $750
  • SR-22 requirement for up to 3 years
  • Financial liability in the event of an accident
If you really want to protect yourself and your vehicle, it’s a good idea to purchase as much insurance as you can afford. Here are some recommended coverage options:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Uninsured motorist coverageReimburses you for your expenses from an accident caused by an uninsured driver
Personal injury protectionCovers medical expenses, lost wages, and rehabilitation costs after an accident
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
Ready to find a new policy? Let Jerry help!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Jerry quickly browses quotes from more than 50 providers (including top names like Progressive and Travelers!) to find you the best deals, then helps you secure the one you want. No paperwork, no phone calls, no hassles for you.
Now that you know what type of insurance you need, let’s break down the factors that impact the cost.

How is your cost of car insurance determined in Nevada?

The key factors that influence your insurance rates are your age, driving record, location, and vehicle.

Cost to insure your car in Nevada by age

Insurers value experience. Young drivers lack experience, an issue that is compounded by an inclination for risky driving habits and high accident rates. For these reasons, young drivers tend to have some of the highest insurance premiums out there.
What young drivers in Nevada need to know
  • 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
  • Taking a defensive driving course can reinforce safe driving behaviors and help reduce premiums
  • Maintaining a good average can qualify student drivers for a good student discount
If you’re a young driver, it’s a good idea to shop around and maintain a clean driving record to give you the best shot at affordable rates.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,960$777
21-24$2,739$772
25-34$2,635$752
35-44$2,576$722
45-54$2,496$725
55-64$2,429$895
65+$1,980$508
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in Nevada with a poor driving record

All insurance companies review your driving record before providing you with a quote. And if you have accidents, speeding tickets, and major offenses like DUIs or reckless driving charges on yours, you can expect to see sky-high rates for your Nevada car insurance.
But can you save money on car insurance if you have driving violations? Absolutely! Shopping around is one of the best ways to do so, and Jerry can help.
Here’s just a sample of the savings that Jerry customers with driving records that aren’t squeaky clean have found:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,182$907
Improper Passing$2,640$692
Speeding under 15$2,864$641
Failure to Obey Traffic Sign$2,954$514
Driving on Sus. License$1,920$507
Careless Driving$1,707$411
Speeding over 15$2,400$336
Illegal Turn$1,557$297
Other$3,423$706
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in Nevada based on where you live

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.
If you live in one of these areas, you’ll probably find that your insurance rates are higher than the state average. This is particularly true around the Las Vegas Strip, where there are lots of crowds, lots of traffic, and lots of drinking.
Generally speaking, though, drivers in cities tend to pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims.
While Nevada has high rates overall due to lax drinking laws and high traffic fatality rates, these are the top 10 cheapest cities for car insurance in the state:
City
Average Cost
Annual Savings with Jerry
Carson City$1,719$441
Fallon$1,863$542
Henderson$2,964$966
Las Vegas$2,728$738
North Las Vegas$2,591$681
Pahrump$2,373$544
Reno$2,501$776
Sparks$2,161$766
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Cost to insure your car in Nevada based on the type of car you drive

Last but not least, your vehicle will have an impact on your car insurance premium. If you drive a standard vehicle like a Subaru Outback or Saturn Aura, you’ll probably find that your rates are about average for the state.
Relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. And driving less can also save you money since you’re less likely to get into an accident.
If, on the other hand, your car is something on the other end of the scale—like a high-end Ram 1500 or a luxury sports car, you’re going to have a hefty monthly bill to deal with.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Kia Soul +$2,188$865
Toyota Prius$3,229$794
Nissan Sentra S$1,963$615
Lexus Nx 200T$2,904$588
Hyundai Sonata SE$3,276$470
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How to save money on car insurance in Nevada

If you’re like most people, you probably won’t turn your nose up at savings—especially when car insurance is as pricey as it is in Nevada! Thankfully, there are some easy ways to reduce your premium.

Shop around for quotes

Comparison shopping is the best way to make sure you’re getting a good deal for the coverage you want—but it’s rarely easy. That all changes with Jerry.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. After completing a quick, free sign-up process, Jerry will find you the best prices from more than 50 top insurance companies. And once you’re ready to finalize a policy, Jerry will handle all the paperwork and phone calls so that you can sit back and enjoy the savings.

Look for discounts

Most insurers have a range of discounts that can reduce your insurance rate—sometimes pretty significantly. Here are some of the most popular ones for drivers in Nevada:
Discount typeWho is eligible?
Anti-theft discountIf your vehicle is equipped with certain anti-theft devices, you may be eligible for discounted premiums due to the decreased risk of theft.
Good student discountFull-time students ages 16 to 24 may qualify for discounts if they maintain at least a B average in their studies.
Usage-based discountsSome insurance companies offer flexible monthly premiums depending on how often and how far you drive. Lower use means lower rates.
Defensive driving discountOlder drivers (usually 55 and over) who complete an approved defensive driving course are often eligible for lower rates—as long as there are no drivers under 25 on the policy.
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Increase your deductible

While it’s not the right move for everyone, increasing your deductible will definitely reduce your monthly premium.
There’s an important caveat though: you only want to do this if you can afford to pay the deductible in full each time you have to make a claim. Otherwise, you could find yourself in some serious financial and legal trouble.

Registering your car in Nevada

To register a car in Nevada, bring the following to the DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Smog check certificate
  • Safety inspection certificate, if applicable
In Nevada, you must renew your vehicle registration annually. You can complete the process online or in person at a DMV kiosk.

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free