The cheapest full coverage car insurance in Nevada is $120 , saving you $52 compared to the average cost of insurance in the state, which is around $172 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Nevada, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Nevada should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, State Farm stands out as the cheapest option for full coverage car insurance in Nevada, with an insurance premium of $120 per month.
- Drivers in Nevada with a clean record pay 39% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Nevada is Winnemucca, with an annual premium of $1,600 .
- Nevada drivers can save up to 30% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance in Nevada?
State Farm has the cheapest full coverage car insurance in Nevada, at an average premium of $120 per month or around $1,443 per year, based on CarInsurance.com data.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Nevada by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Nevada per month
| Company | Full Coverage Monthly Rates |
|---|---|
| State Farm | $120 |
| Geico | $142 |
| Travelers | $166 |
| Mercury Insurance | $180 |
| Farmers | $194 |
| American Family | $202 |
| Progressive | $207 |
| Allstate | $218 |
| CSAA Insurance (AAA) | $304 |
| USAA* | $139 |
Note: USAA is only available to military community members and their families.
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Nevada drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 8% less than single drivers.
- Nevada drivers with clean records pay 39% less than drivers who have a DUI on their record.
- Nevada drivers in their 20s pay 66% lower rates for insurance than a 16-year-old in Nevada.
- Adding a teen to your policy will cost you 70% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 32% less on their insurance premiums.
- Drivers insured for three or more years can save up to 18% on their insurance costs.
Cheapest Nevada companies for different coverage levels
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- State Farm has the cheapest rates for a liability-only policy (50/100/50).
- State Farm offers the cheapest car insurance for a full coverage policy (100/300/100) in Nevada.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Nevada
Nevada requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $20,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Nevada, ranked from cheapest to most expensive for state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Geico | $430 |
| State Farm | $431 |
| Progressive | $625 |
| Mercury Insurance | $631 |
| Travelers | $634 |
| CSAA Insurance (AAA) | $867 |
| American Family | $1,035 |
| Farmers | $1,091 |
| Allstate | $1,109 |
| USAA* | $482 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Nevada
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
In the table below, see the average annual rates from Nevada’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| State Farm | $694 |
| Geico | $791 |
| Travelers | $926 |
| Mercury Insurance | $1,018 |
| Progressive | $1,071 |
| CSAA Insurance (AAA) | $1,277 |
| Allstate | $1,329 |
| American Family | $1,459 |
| Farmers | $1,555 |
| USAA* | $758 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Nevada
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Nevada based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full Coverage Annual Rates |
|---|---|
| State Farm | $1,443 |
| Geico | $1,708 |
| Travelers | $1,995 |
| Mercury Insurance | $2,156 |
| Farmers | $2,328 |
| American Family | $2,429 |
| Progressive | $2,482 |
| Allstate | $2,614 |
| CSAA Insurance (AAA) | $3,651 |
| USAA* | $1,672 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Nevada, by driving history
Your driving history affects how much you pay for insurance in Nevada because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $1,038 more annually in Nevada than an individual with a clean driving record.
Cheap car insurance rates in Nevada after a speeding ticket
A speeding ticket can impact your Nevada car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,874 a year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,736 | $1,874 | 8% | $139 |
| Auto-Owners | $1,445 | $1,880 | 30% | $435 |
| Nationwide | $1,773 | $2,039 | 15% | $266 |
| Geico | $1,085 | $2,512 | 132% | $1,427 |
| Progressive | $2,111 | $2,713 | 29% | $602 |
| Allstate | $2,995 | $3,339 | 11% | $344 |
| Travelers | $2,217 | $3,341 | 51% | $1,124 |
| Mercury Insurance | $2,549 | $3,515 | 38% | $966 |
| American Family | $2,740 | $3,594 | 31% | $854 |
| Farmers | $2,881 | $3,793 | 32% | $912 |
| Kemper Insurance | $3,571 | $4,223 | 18% | $652 |
| CSAA (AAA) | $4,386 | $5,641 | 29% | $1,256 |
| USAA* | $1,566 | $1,830 | 17% | $264 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Nevada
Nevada drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,874 a year, followed by Geico with an annual premium of $2,600 annually, based on recent data.
If you have a clean record, you are likely to pay 39% less for car insurance than someone with a DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,736 | $1,874 | 8% | $139 |
| Geico | $1,085 | $2,600 | 140% | $1,515 |
| Auto-Owners | $1,445 | $2,669 | 85% | $1,224 |
| Progressive | $2,111 | $2,928 | 39% | $817 |
| Nationwide | $1,773 | $3,422 | 93% | $1,649 |
| Travelers | $2,217 | $3,521 | 59% | $1,304 |
| Allstate | $2,995 | $4,092 | 37% | $1,097 |
| Mercury Insurance | $2,549 | $4,426 | 74% | $1,877 |
| Farmers | $2,881 | $4,448 | 54% | $1,568 |
| Kemper Insurance | $3,571 | $4,909 | 37% | $1,338 |
| CSAA (AAA) | $4,386 | $6,004 | 37% | $1,618 |
| American Family | $2,740 | $6,685 | 144% | $3,945 |
| USAA* | $1,566 | $3,149 | 101% | $1,583 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Nevada after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $2,013 a year.
On the other hand, Geico offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,176 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,736 | $2,013 | 16% | $278 |
| Geico | $1,085 | $2,176 | 101% | $1,091 |
| Auto-Owners | $1,445 | $2,306 | 60% | $861 |
| Nationwide | $1,773 | $2,634 | 49% | $861 |
| Travelers | $2,217 | $3,190 | 44% | $973 |
| Progressive | $2,111 | $3,334 | 58% | $1,223 |
| American Family | $2,740 | $4,002 | 46% | $1,262 |
| Allstate | $2,995 | $4,108 | 37% | $1,113 |
| Farmers | $2,881 | $4,120 | 43% | $1,239 |
| Kemper Insurance | $3,571 | $4,541 | 27% | $970 |
| Mercury Insurance | $2,549 | $4,998 | 96% | $2,449 |
| CSAA (AAA) | $4,386 | $7,132 | 63% | $2,746 |
| USAA* | $1,566 | $2,172 | 39% | $606 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Nevada
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Nevada, Winnemucca stands out as the city with the lowest auto insurance rates, at an average of $1,600 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Find below a list of Nevada cities with the lowest car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Winnemucca | $1,600 |
| Yerington | $1,628 |
| Imlay | $1,640 |
| Battle Mountain | $1,644 |
| Gardnerville | $1,645 |
| Johnson Lane | $1,647 |
| Lovelock | $1,649 |
| Denio | $1,655 |
| Dayton | $1,660 |
| Topaz Ranch Estates | $1,661 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Nevada?
By comparing car insurance quotes, you can save an average of 30% per year for a full coverage policy in Nevada.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Nevada: Save on premiums
Nevada drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Nevada.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 2% | $37 |
| Anti-theft device | 1% | $26 |
| Days advanced purchase | 6% | $210 |
| Education | 13% | $228 |
| Electronic funds transfer | 4% | $108 |
| Electronic signature | 10% | $213 |
| Homeowner | 4% | $139 |
| Lower annual mileage | 4% | $90 |
| Loyalty – years renewal with company | 7% | $215 |
| Marital status | 8% | $313 |
| Multi policy | 8% | $239 |
| Paperless/electornic documents | 4% | $130 |
| Payment type | 8% | $273 |
| Primary use | 6% | $142 |
| Profession | 9% | $186 |
| Safety devices | 2% | $52 |
| Telematics | 10% | $293 |
| Years insured | 16% | $620 |
| Years licensed | 30% | $2,092 |
The bottom line on cheap auto insurance in Nevada
Based on our findings, State Farm provides the cheapest rates for a full coverage policy in Nevada if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Nevada, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Nevada for three different coverage levels:
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Nevada