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Cheapest Car Insurance in Nevada (Apr 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Nevada.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Nevada

Finding a car insurance policy can sometimes be tricky—it fits your coverage needs but doesn’t fit your budget, or vice versa. But what if you could have both? Finding a policy that fits your needs and budget is possible if you
shop around for coverage
and compare
car insurance quotes
before committing.
With Jerry, finding
cheap car insurance
is simple. Jerry is the go-to platform for Nevada drivers looking to forego the usual hassle. It helps you find affordable insurance that works for you—no phone calls, emails, or sales pitches.
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Safeco
$130
Ford F150 Supercrew
• State Minimum Liability
Travelers
$134
Jeep Patriot Limited
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$215
Lexus NX 200T
• 50,000/100,000 Liability
• Comp / Collision
AAA
$124
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
Bristol West
$413
Tesla Model 3
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 13, 2024

Cheapest car insurance companies in Nevada

If you’re looking for the best auto insurance companies in Nevada, you’re in the right place. Jerry conducted one of the largest national insurance shopping surveys to find the best providers for drivers—and we’re ready to share the results!
The study found no single “best” or “cheapest” provider for every driver. Unfortunately, insurance doesn’t come in a one-size-fits-all model. Every insurance provider bases their rates on age, location, coverage needs, and more, so rates vary between drivers and providers. 
If you’re looking for the best car insurance policy, it’s about finding one that suits you and your needs.
State Farm
,
Allstate
, and
Progressive
dominate the insurance market in Nevada—but our survey respondents gave Esurance, GIECO, Mercury, and The General 5/5 rankings across the board.
It’s a good idea to shop around and compare policies to make sure you’re getting the best deal for what you need.
Insurance companyDateCost rating (out of 5)What our customer said:
Kemper
April 10, 2024
3
"They take so long to process ANYTHING. If we hadn’t called to specifically ask about deductible reimbursement who kno...(read more)"
-Richard
Allstate
April 10, 2024
5
"My agent is like a family to us now. She always give us advice on how to save and lower our premium."
-Darrell
Bristol West
April 7, 2024
5
"This insurance is very inexpensive and overall wonderful "
-Roger
AAA
April 4, 2024
4
"My wife and I recently moved to a new home this past year. We were nervous about the price of insurace, but we were a...(read more)"
-Lewis
Farmers
April 2, 2024
5
"This the best insurance I ever had"
-Hester
coverageLast Updated Apr 10, 2024
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
To find car insurance quotes online quickly without the hassle, it’s best to use a comparison app or website.
Jerry is the country's
top-rated car insurance comparison app
and makes finding and comparing
insurance quotes online
simple. You can do it all from the convenience of your smartphone! Simply answer a few easy questions and let Jerry find you the best policies—all backed by a talented team of
100+ licensed insurance agents
available to answer your questions.

Minimum liability and full coverage

All drivers in Nevada must meet the state’s minimum insurance requirements before hitting the Liability insurance is necessary, but you can also purchase
full-coverage auto insurance
for better protection.

Cheapest minimum liability coverage car insurance quotes in Nevada

Nevada’s minimum car insurance requirements
follow a 25/50/20 pattern. Here’s a breakdown of what you must have:
Jerry can help you find the most affordable policy for minimum coverage.
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Estella (32 years old)
coverageCoverage
State Minimum
$144
per month
card cover
Nettie (40 years old)
coverageCoverage
State Minimum
$224
per month
card cover
Elijah (51 years old)
coverageCoverage
State Minimum
carFord F150 Supercrew
$130
per month
card cover
Aiden (53 years old)
coverageCoverage
State Minimum
$124
per month
card cover
Gainsco
Stella (58 years old)
coverageCoverage
State Minimum
carFord Focus LX
$86
per month
card cover
Clearcover
Keith (32 years old)
coverageCoverage
State Minimum
$122
per month

Do you need more than minimum coverage in Nevada?

In Nevada, you must have liability car insurance that complies with the 25/50/20 state-mandated limits—but that doesn’t mean it’s all you should purchase.
If you’re involved in an at-fault accident, bodily injury and property damage costs can quickly exceed the 25/50/20 limits—leaving you on the hook for the remainder if the other party decides to sue.
Remember,
Nevada's car insurance laws
allow drivers the right to claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident.
Paying these expenses out of pocket can be steep, so it’s almost always worth it to pay a little more for full-coverage insurance.
The bottom line: Drivers in Nevada should consider purchasing liability coverage that exceeds the state minimums—such as 50/100/50 or even 100/300/100—or purchasing a full-coverage policy.
Lower my car insurance too!

Cheapest full coverage car insurance quotes in Nevada

Purchasing a full coverage insurance policy is one of the easiest ways to safeguard yourself against costs associated with an accident—and it’s usually not that much more expensive than a liability-only policy!
If you’re considering buying full coverage, you’ll get state-mandated liability insurance plus
comprehensive
and
collision coverage
.
  • Comprehensive insurance: Covers you against non-collision related incidents, such as theft, vandalism, fire, flood, wind, or falling objects
  • Collision insurance: Pays for damages to your vehicle resulting from a collision with another vehicle or stationary object
And if you’re financing or
leasing a car
, your lender will require this.
Remember that both collision and comprehensive coverage are subject to deductibles. If you’re involved in a crash and need this coverage, you’ll have to pay your deductible before your insurance provider pays out.
While you’ll pay higher insurance rates than for a minimum coverage policy, Jerry can help you find the best premium for the coverage you want.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$231
Honda Civic EX
• State Minimum Liability
• Comp / Collision
Nationwide
$166
Jeep Compass Latitude
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$215
Lexus NX 200T
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$111
Mazda 3 Premium
• State Minimum Liability
• Comp / Collision
Mercury
$149
Nissan Murano S
coverageLast Updated Apr 11, 2024

Average rates for state minimum liability coverage and full coverage

As of June 2023, the average cost of minimum liability coverage in Nevada is $159 per month, or $1,908 per year. For full coverage, Nevada drivers pay an average of $239 per month or $2,870 per year.
Luckily, using Jerry might help you reduce those costs.
Looking at the average annual premium in Nevada is a great way to help you estimate how much you can expect to pay for car insurance—but remember, it’s just an estimate. Various factors influence car insurance rates, so the national average might not be your average.
You can expect to pay more if you have traffic violations on your record. Likewise, if you’re a teen or new driver, you’ll have significantly higher rates than someone in their 40s or 50s.

Additional coverages to consider in Nevada

Meeting the minimum requirements in Nevada is a great place to start—the other party involved in a crash will be covered for bodily injury and property damage. But what about you? That’s where investing in additional insurance comes in handy.
Here are some coverages to consider:
If you lease or finance a car:
Gap insurance
helps cover the difference between the car's actual cash value and the amount you still owe if your vehicle is totaled or stolen.
If you frequently rent or borrow a vehicle:
Non-owner car insurance
offers liability coverage for bodily injury and property damage if you are liable in an at-fault accident. Still, it doesn’t cover damage to the actual vehicle you’re driving or your medical expenses.

Finding the right car insurance for every driver

We’ve mentioned that several factors affect how much you pay for car insurance. Here’s a breakdown of some of the most influential ones:
  • Driving record and claims history: Insurance providers don’t like driving violations, so the more accidents or tickets on your
    Nevada driving record
    , the higher your insurance payments will be.
  • Vehicle location: Insurance rates in big cities like
    Las Vegas
    and
    Reno
    are generally higher than in rural areas of the state. Rates will also vary based on your zip code—even in the same city.
  • Vehicle make and model: Luxury, high-performance, and sports cars have higher insurance premiums than other vehicles.
  • Credit score: While not all insurers use it,
    credit scores can affect car insurance costs
    in Nevada—and a poor credit score means a higher insurance rate.
  • How you use your car: Cars driven for work typically have higher insurance premiums than cars driven for leisure.
  • Your age:
    Teen drivers
    and
    seniors
    typically pay the highest premiums of any age demographic—but they also have various discounts to help lower them!

How Do Different Factors Impact Your Car Insurance Costs in Nevada?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Nevada currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Nevada:

Cheapest Nevada car insurance after a driving violation

Driver violation points have a significant impact on car insurance rates
—and they can also affect which insurance company will insure you. Some insurance providers are willing to insure
high-risk drivers
(which comes at a premium) and others aren’t, especially with big violations like a DUI or
reckless driving
.

Cheapest car insurance for Nevada speeding tickets

If you’ve received a
Nevada speeding ticket
, it’s not the end of the line for car insurance. Drivers are penalized based on the degree of speeding and prior offenses—though penalties for speeding in Nevada are stricter than in other states.
Here’s what we mean:
The maximum fine for speeding in Nevada is $1,000, but the fines cannot be more than $20 for each mile an hour you were going beyond the posted speed limit.
  • 5 mph over the speed limit: $100 fine + 1 point added
  • 10 mph over the speed limit: $200 fine + 2 points added
  • 15 mph over the speed limit: $300 fine + 2 points added
  • 20 mph over the speed limit: $400 fine + 3 points added
  • 21+ mph over the speed limit: $420+ fine + 4 points added
That said, the amount of your fine will depend on several factors, including:
  • Any previous speeding tickets
  • Where you were speeding (work or school zone)
  • How fast you were going
Speeding is considered a misdemeanor in Nevada and can land you in jail for up to six months if the offense was severe enough. On top of fines and possible jail time, it also comes with demerit points on your driving record.
The result isn’t just a poor record—it’s also a big increase in your car insurance rates and a possible license suspension.
Regardless of the violation, Jerry helps drivers find affordable rates with great insurance companies.
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$127
• 50,000/100,000 Liability
Speeding 11-15
Mercury
$200
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 12, 2024

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
The General
Awesome so far!!
Hayden
Dairyland
Good reasonable prices
Janne
Mercury
Mercury auto insurance is the most affordable option and the service has been excellent.
Sean
Esurance
Great insurance!!!!
Corine

Cheapest auto insurance in Nevada after a DUI

Nevada DUI laws
state that drivers over the age of 21 cannot have a blood-alcohol level of 0.08% or higher—and lower thresholds are in place for younger drivers.
  • If you’re caught with a BAC higher than the legal limit, the conviction will remain on your driving record for seven years
  • Penalties include a fine, potential jail time, license revocation, IID requirements, SR-22 requirements, and community service,
  • On average, drivers with a DUI pay 56% more for car insurance than drivers without one
Luckily, insurance providers offer many discounts to help reduce your costs. Jerry has helped drivers with major convictions land affordable insurance.
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Leah (40 years old)
DUI
coverageCoverage
State Minimum
$279
per month
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Lou (32 years old)
DUI
coverageCoverage
State Minimum
$224
per month
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Adrian (27 years old)
DUI
coverageCoverage
State Minimum
$347
per month
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Gilbert (44 years old)
DUI
coverageCoverage
State Minimum
$211
per month
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Juan (30 years old)
DUI
coverageCoverage
State Minimum
carMazda Speed 3
$92
per month
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Laura (31 years old)
DUI
coverageCoverage
15,000 per person
30,000 per accident bodily injury
$112
per month

Nevada SR-22 insurance

Depending on the severity of the violation, you may be required to file a
Nevada SR-22
before you can have your driving privileges reinstated. Insurance providers file SR-22 for high-risk drivers as proof they meet the state’s minimum insurance requirements.
You may have to file an SR-22 for the following violations:
  • Driving without insurance
  • Driving without a valid driver’s license
  • DUI
    or DWI conviction
  • Hit-and-run
  • Reckless driving
  • Repeated driving violations
  • An at-fault collision leading to death or injury
SR-22 certificates are usually required for three years from the date of conviction in Nevada, but the severity of the conviction can shorten or lengthen the term—this is at the discretion of the Nevada DMV.
Also, remember that some insurers do not offer insurance for drivers requiring an SR-22 or may offer limited coverage options. That’s why it pays to shop around and compare quotes.

Cheapest Nevada auto insurance after an at-fault accident

A clean driving record is one of the best things you can do for your insurance rates since it reassures insurers that you’re a safe driver and aren’t likely to file a claim.
If you have a fender bender or a major at-fault accident on your record, you can expect your rates to increase thanks to a high-risk driver label.
But it’s not all bad news—work to eliminate the accidents on your record (and keep a clean driving record in the meantime) while Jerry helps you find an affordable policy.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$276
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$224
• State Minimum Liability
• Comp / Collision
Not At Fault
Safeco
$210
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$129
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Mercury
$267
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024

FAQ

Finding cheap car insurance would be simple if one provider offered the best rate for everyone—but unfortunately, that’s not the case. Car insurance premiums vary based on age, driving record, coverage needs, and location, so there is no consistent rate between driver profiles. 
It’s a good idea to shop around and compare rates from at least 3 different providers—it’s the only way to ensure you’re not overpaying! 
Yes—to register a vehicle in Nevada, you’ll need to provide proof of insurance that meets the state minimum insurance requirements. Here’s a breakdown of what you’ll need:
  • Electronic Dealer Report of Sale (EDRS)
  • Nevada Emission Vehicle Inspection Report
  • Current odometer reading
There is no single cheapest insurance provider in Nevada but Nationwide, State Farm, and Erie generally offer some of the most competitive rates.

Cheapest auto insurance after other violations in Nevada

Having a DUI or speeding ticket on your driving record can do a doozy to your insurance costs—but other violations can, too. Driving without a license or insurance, failing to stop at a stop sign, or improper lane changes may also affect rates.
If you’ve landed yourself one of these violations, Jerry can still help you find affordable rates.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Safeco
$138
Tesla Model S
• 100,000/300,000 Liability
• Comp / Collision
Cell Phone
Progressive
$278
Chevrolet Malibu 1LT
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Progressive
$84
Toyota Camry L
• State Minimum Liability
• Comp / Collision
DUI
Allstate
$224
Hyundai Elantra GLS
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Nationwide
$231
Ford Expedition XLT
• State Minimum Liability
• Comp / Collision
Illegal Turn
Progressive
$190
Volkswagen Jetta SEL
• State Minimum Liability
• Comp / Collision
Improper Passing
Mercury
$208
Hyundai Veloster
• State Minimum Liability
• Comp / Collision
Open Container
Progressive
$279
RAM 1500 Sport
• State Minimum Liability
• Comp / Collision
Racing/Drag Racing
Progressive
$234
BMW 328 XI Sulev
• State Minimum Liability
Speeding Violation-Major
Bristol West
$230
Audi Q5 Premium
• State Minimum Liability
• Comp / Collision
Speeding Violation-Minor
Allstate
$94
BMW X3 2.5I
• State Minimum Liability
Suspension
Bristol West
$154
Toyota Camry LE
• State Minimum Liability
Other Minor
Gainsco
$86
Ford Focus LX
• State Minimum Liability
coverageLast Updated Apr 15, 2024

Cheapest Nevada auto insurance based on insurance history

Regardless of the reason why you didn’t have insurance, a
lapse in insurance coverage
pegs you as a risk for insurers and raises your insurance rates. Drivers with a lapse of less than 30 days pay an average of 8% more for insurance, while drivers with a coverage lapse of more than 30 days saw an average rate increase of 35%.
But fear not—you’ll never miss a payment with Jerry! When a payment is coming up, Jerry gives eligible drivers the option to turn on notifications to help them avoid missing a payment or having a lapse in insurance coverage.
Whether you’ve had continuous insurance or not, Jerry can help you find savings on a new insurance policy.
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Iva (29 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$231
per month
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Joshua (27 years old)
Not Currently Insured
coverageCoverage
State Minimum
carAcura 3.5RL
$114
per month
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Gavin (51 years old)
Currently Insured
coverageCoverage
State Minimum
carFord F150 Supercrew
$130
per month
card cover
Clearcover
Manuel (24 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$262
per month
card cover
Clearcover
Vincent (32 years old)
Currently Insured
coverageCoverage
State Minimum
$122
per month
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Clearcover
Beatrice (24 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$211
per month

Cheapest car insurance for drivers with poor credit

Unlike paying off your credit card, paying for your car insurance doesn’t build credit—but having a poor credit score can affect how much you pay. Most insurers don’t like taking the chance that your premium will go unpaid.
Although this isn’t the case in every state, insurers can look at credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the more likely they may be to make a claim and the higher the resulting insurance cost.
Drivers with poor credit ratings see average rates that are significantly higher than drivers with good ones. If you have a fair or poor credit score and are looking for affordable car insurance, shopping around with a comparison app or website can help you narrow your choices and find the best rate.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$179
Jaguar F-Pace Prestige
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
Safeco
$208
Dodge Charger R/T 392
• State Minimum Liability
• Comp / Collision
550 - 659
Allstate
$164
Chevrolet Malibu LT
• 50,000/100,000 Liability
• Comp / Collision
< 550
Progressive
$127
Mercury Grand Marquis LS
• 50,000/100,000 Liability
coverageLast Updated Apr 10, 2024

Cheapest Nevada car insurance by age

Drivers under 25 pay some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. Once you hit 25, more experience means rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.
For teens and seniors, Nationwide and Allstate offer affordable options, but other providers may have competitive rates.

Cheapest Nevada car insurance for young drivers

Teen drivers aged 16 to 19 have the highest car insurance rates of any age bracket in Nevada because they’re at the highest risk of being involved in a car accident. But this also applies to drivers under 25 or new drivers who don’t have a long history of safe driving.
If you’re a new driver without a lot of on-road experience, consider investing in a full-coverage policy that offers more protection on the road and greater financial protection if you’re involved in a crash.
While 25 might not be the magic number for all drivers, a comparison app like Jerry can help find
cheap car insurance for new drivers
without the hassle.
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Steven (24 years old)
coverageCoverage
State Minimum
carLexus ES 350
$339
per month
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Hunter (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$216
per month
card cover
Keith (24 years old)
coverageCoverage
State Minimum
$299
per month
card cover
Rosalie (24 years old)
coverageCoverage
State Minimum
carMazda CX-3 Touring
$213
per month
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Clearcover
Francisco (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$211
per month
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Marian (24 years old)
coverageCoverage
State Minimum
$228
per month

Cheapest Nevada car insurance for senior drivers  

On the other end of the spectrum, we have drivers with an abundance of experience and high car insurance rates. This is because drivers in their mid-70s and onwards are at a higher risk of mortality, hospitalization, and high medical expenses from car accidents. They also have slower reflexes that increase the risk of being involved in an accident.
GEICO
seems to lead the race for the
best car insurance for seniors
, but using a comparison app to check out other quotes is still a good idea.
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Emma (74 years old)
coverageCoverage
State Minimum
carJeep Compass Latitude
$205
per month
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Joel (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$231
per month
card cover
Trevor (65 years old)
coverageCoverage
State Minimum
$129
per month
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Jared (65 years old)
coverageCoverage
State Minimum
$150
per month
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Charlie (67 years old)
coverageCoverage
State Minimum
carSaab 9-3 Linear
$102
per month
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Scott (78 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$329
per month

Over 3,500,000 customers and counting

We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
Dairyland
Pot of gold
Ryan
Progressive
So far so good
Shawn
Dairyland
Great
Aklile
Allstate
My agent is like a family to us now. She always give us advice on how to save and lower our premium.
Romeo
The make and model of your car matter to insurance companies. They’ll look at reliability, repair costs, and safety when determining rates—meaning the more reliable and safe your car is, the lower the insurance.
But dollar signs also play a role. Vehicles with a higher book value typically cost more to insure than cheaper cars because insurers have to pay out more if it’s involved in a crash.
In Nevada, these are some of the most popular and affordable models to insure:
Popular and dependable, you can be sure that parts for these cars will almost always be available. Pair them with a car insurance policy from Jerry and you’ve got a ride that won’t break the bank.
Popular CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Honda Accord EXProgressive
$229
• 50,000/100,000 Liability
• Comp / Collision
Toyota RAV4 LETravelers
$100
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024

Car insurance cost for new vs. old car

The value of a car usually decreases with age, but insurance doesn’t always follow suit. Insurance rates are determined by how much an insurer would have to pay if the car was damaged or stolen, so they’ll look at things like software and added features. In general, newer cars are more costly to insure than older cars.
Safety is also a consideration. Newer cars have more safety features that reduce the risk of a car crash, reducing your monthly premium—but the fancy parts on a new car can be more expensive to replace in the event of a total loss.
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Brandon (26 years old)
2004 BMW X3 2.5I
coverageCoverage
State Minimum
$94
per month
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Hattie (37 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$226
per month
card cover
Winnie (35 years old)
2005 Cadillac Escalade EXT
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$210
per month
card cover
Essie (70 years old)
coverageCoverage
State Minimum
locationSilver Springs, NV
$70
per month
card cover
Theresa (63 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$160
per month
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Charlie (67 years old)
2003 Saab 9-3 Linear
coverageCoverage
State Minimum
$102
per month

How to find cheap Nevada insurance in your city

In Nevada, high-population areas like Las Vegas and Reno usually have higher rates than small cities like Virginia City, Ely, or
Lovelock
.
Areas with high traffic, theft, and accident rates all cause insurance rates to go up. But regardless of where you live, Jerry can help you compare quotes across providers to find the cheapest rate.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Henderson, NV
Estella, 32
Progressive
$144
Ford Mustang
• State Minimum Liability
Las Vegas, NV
Elijah, 51
Safeco
$130
Ford F150 Supercrew
• State Minimum Liability
North Las Vegas, NV
Oscar, 53
AAA
$124
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
Las Vegas, NV
Francis, 25
Allstate
$235
Chevrolet Camaro LS
• State Minimum Liability
• Comp / Collision
Henderson, NV
Chad, 31
National General
$148
Honda Civic LX
• 15,000/30,000 Liability
Sparks, NV
Madge, 46
Bristol West
$230
Audi Q5 Premium
• State Minimum Liability
• Comp / Collision
Henderson, NV
Keith, 32
Clearcover
$122
Toyota RAV4 XLE
• State Minimum Liability
• Comp / Collision
Las Vegas, NV
Angel, 63
Mercury
$149
Nissan Murano S
• State Minimum Liability
• Comp / Collision
North Las Vegas, NV
Myrtie, 24
Infinity
$107
KIA Forte EX
• 15,000/30,000 Liability
Las Vegas, NV
Kathryn, 31
Kemper
$141
KIA Soul
• State Minimum Liability
• Comp / Collision
Las Vegas, NV
Manuel, 58
Assurance America
$64
Ford Focus LX
• State Minimum Liability
• Comp / Collision
Reno, NV
Mamie, 34
The General
$203
KIA Optima EX
• State Minimum Liability
• Comp / Collision
Las Vegas, NV
Mable, 61
Aspire Advantage
$73
Chevrolet Avalanche LTZ
• 15,000/30,000 Liability
Henderson, NV
Harry, 25
Dairyland
$330
Toyota Camry
• State Minimum Liability
• Comp / Collision
Henderson, NV
Dorothy, 39
Anchor General
$129
Toyota Corolla LE
• 15,000/30,000 Liability
coverageLast Updated Apr 15, 2024

How to lower car insurance costs in Nevada

Finding the best cheap car insurance can be tricky, but what’s affordable for you depends on what you’re willing to pay. If you’re keen on saving a few bucks, there are simple ways to reduce your car insurance costs:
  1. Shop around and compare quotes between insurance providers
  2. Look at insurance policy costs before buying a car
  3. Increase your deductible for comprehensive and collision insurance
  4. Reduce insurance coverage where it’s not needed—especially on older cars
  5. Improve your credit score
  6. Ask about
    car insurance discounts
    , such as good student discounts, good driver discounts, or low mileage discounts
  7. Take a defensive driving course

Why car insurance is so expensive in Nevada

Whether you’re coming for the fame and fortune in the Strip or driving through the desert, there’s a lot that Nevada has to offer—but cheap car insurance might not be on the list. While several factors affect car insurance rates, there are a few heavy hitters that you can blame for higher rates:
  • Higher vehicle repair costs
  • More drivers on the road (including tourists)
  • Expensive healthcare
  • Uninsured driver rate
  • Relaxed alcohol laws
  • High vehicle theft rate

FAQs

Car insurance rates vary based on personal factors like age and location, but state-specific factors like crime and weather also determine them. In Nevada, a high number of drivers on the road combined with expensive healthcare costs, a high rate of uninsured drivers, and relatively relaxed alcohol laws all contribute to expensive insurance rates.
As in most states, car insurance in Nevada typically follows the car. That means that if someone else is driving your car and gets into a crash, your policy will cover damage and injury to the other party up to your coverage limits.
Driving without insurance is illegal in all states, including Nevada—but the penalties depend on prior offenses and how long you’ve been uninsured for. There is no grace period for insurance lapses in Nevada, so being uncovered for even a day can lead to registration suspension and a $250 reinstatement fee.
If it's your first offense and your coverage has lapsed for less than 30 days, your driving privileges will be suspended but there is no fine. A lapse of 31–90 days results in a $250 fine; 91–180 days results in a $500 fine; and 181 days or more results in a $1,000 fine.
A lapse of more than 91 days requires you to file an SR-22 certificate, too.
Although not the highest rates in the country, Nevada’s insurance rates average about 20% higher than the national average.4 Florida, however, takes the cake for the highest rate, sitting at 52% above the national average.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.