Car insurance costs in Nevada vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. State Farm offers the cheapest annual rates for full coverage car insurance in Nevada at $1,443 annually.
This guide makes buying car insurance in Nevada easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how car insurance works in Nevada and how much you need.
- The average cost of car insurance in Nevada is $2,060 a year or $172 per month, based on our data analysis.
- Minimum liability coverage in Nevada costs around $720 annually for limits of 25/50/20, while liability-only coverage costs $1,042 per year for limits of 50/100/50.
- State Farm provides the most affordable annual rates for full coverage car insurance in Nevada, costing $1,443 per year.
- In Nevada, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 30%, a DUI raising rates by 63%, and an at-fault accident by up to 50%.
How much is car insurance in Nevada?
According to CarInsurance.com data, drivers in Nevada pay about $172 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Nevada based on driver profile:
- Teen drivers in Nevada pay the most — about $625 a month or $7,505 a year.
- Young drivers in their 20s pay an average of $276 monthly or $3,309 annually, for car insurance.
- Senior drivers pay around $179 monthly or $2,143 a year.
- A speeding ticket can increase your rates to $226 monthly or $2,708 annually.
- An at-fault accident increases car insurance rates to $270 a month or $3,244 a year.
- Poor credit drivers usually see their car insurance costs increase to $310 monthly or $3,721 annually.
Average cost of auto insurance in Nevada by coverage level
In Nevada, car insurance rates can differ depending on how much coverage you choose. Drivers in Nevada are required by law to have minimum insurance coverage limits of 25/50/20 to drive legally.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Nevada for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $60 | $720 |
| Liability Only – 50/100/50 BI/PD | $87 | $1,042 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 | $2,060 |
State minimum car insurance in Nevada
Nevada laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $20,000 for property damage liability.
The state minimum car insurance cost in Nevada is $720 a year. However, this basic coverage only offers limited protection. Nevada drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Nevada must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Nevada
The average cost of liability-only insurance in Nevada is $1,042 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Nevada
The average annual premium in Nevada is $2,060 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Nevada
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, residents in higher-risk neighborhoods in Nevada pay more for premiums than those in lower-risk areas.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Nevada
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Nevada by car model
Car insurers in Nevada use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much car insurance costs for your car make and model in Nevada.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Nevada
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Nevada drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,020 annually.
Car insurance for drivers aged 16-19 costs $5,485 more annually than Nevada drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,505 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,151 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,020 per year in Nevada.
- For senior drivers: Drivers age 65 and older can expect to pay $2,143 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Nevada
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Nevada can increase your premiums by up to 63% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Nevada, you’ll likely see an increase in your car insurance premium by up to 30% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Nevada following driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 63% increase
- At-fault accident (bodily injury and property damage): 50% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Nevada for high-risk drivers
In Nevada, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Nevada
Drivers in Nevada can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Begin your search for the top car insurance policy in Nevada by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Nevada, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| State Farm | $431 | $694 | $1,443 |
| GEICO | $430 | $791 | $1,708 |
| Travelers | $634 | $926 | $1,995 |
| Mercury Insurance | $631 | $1,018 | $2,156 |
| Farmers | $1,091 | $1,555 | $2,328 |
| American Family | $1,035 | $1,459 | $2,429 |
| Progressive | $625 | $1,071 | $2,482 |
| Allstate | $1,109 | $1,329 | $2,614 |
| CSAA Insurance (AAA) | $867 | $1,277 | $3,651 |
| USAA | $482 | $758 | $1,672 |
Car insurance rates by city in Nevada
Sunrise Manor is Nevada’s most expensive city for car insurance at an average cost of $2,767 annually. Winnemucca is the state’s least expensive city, with an average car insurance rate of $1,600 annually.
Car insurance premiums differ across cities in Nevada and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Nevada.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Nevada per month?
Car insurance in Nevada costs an average of $172 a month for a full coverage policy with limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $60 |
| Liability Only – 50/100/50 BI/PD | $87 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $172 |
Final thoughts on choosing car insurance in Nevada
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Nevada.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Nevada. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/20.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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