When it comes to estimating the cost of car insurance in Nevada, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.
CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in Nevada at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Nevada.
- The average annual cost of a full coverage policy in Nevada with liability limits of 100/300/100 is $2,060 or $172 per month.
- Minimum liability coverage in Nevada costs around $720 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Nevada: How to get auto insurance estimates
CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.
Because each insurer uses its own rating system, they weigh factors like age and driving history differently. If you get a ticket, one insurer may increase your premium by 5%, while another could raise it by 20%.
What factors affect car insurance estimates in Nevada?
Insurance estimates vary between states because of different insurance laws. In tort insurance states, the driver who caused the accident is responsible for covering the damages, and this often involves litigation to determine fault and damage costs.
Unlike tort laws, no-fault insurance laws in several U.S. states streamline the process by having each party’s insurance cover their own injury costs, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Nevada by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,270 |
| Electric | $2,455 |
| Hatchback | $1,926 |
| Hybrid | $2,078 |
| Luxury Car | $2,558 |
| Luxury SUV | $2,262 |
| Minivan | $1,842 |
| Performance SUV | $2,585 |
| Sedan | $2,047 |
| Sports Car | $2,632 |
| Station Wagon | $2,127 |
| SUV | $1,868 |
| Truck | $2,000 |
| Van | $1,764 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Use the car insurance calculator below to estimate your rates in Nevada by make and model.
Insurance rates by car model
Nevada car insurance estimates for used cars
Insuring a used car in Nevada typically costs less than insuring a newer vehicle due to the car’s depreciation value, which affects the replacement cost. The premiums may vary based on your car’s age, make, model and driving history, but it’s recommended that you compare multiple insurance quotes to find the best rate.
Use the car insurance calculator below to estimate your rates in Nevada for used cars by make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: How to estimate car insurance rates before buying a car in Nevada
How much auto insurance do I need in Nevada?
The amount of car insurance you require is based on your financial situation, the value of your car and your risk tolerance. For financed or leased vehicles, your lender may ask you to purchase comprehensive and collision coverage, which, when combined with liability, is known as full coverage.
Each state, including Nevada, has different minimum insurance requirements. However, these minimums provide only basic coverage and often fail to offer sufficient financial protection in the event of a severe car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $20,000 per accident |
How much does car insurance cost in Nevada per month?
Nevada car insurance estimate for full coverage comprises collision, comprehensive and liability with 100/300/100 and cost $172 per month. For the state minimum liability, it’s $60, and $87 for a liability policy with limits of 50/100/50.
Does your age impact how much you pay for insurance in Nevada?
In Nevada, young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.
Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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