Drivers typically see an increase in car insurance rates starting at age 65, according to CarInsurance.com data. The Centers for Disease Control and Prevention reports that older drivers have higher fatal crash rates than those aged 35 to 54.

Even though rates may rise, seniors can still find good car insurance deals. Our guide will help find the most affordable rates for senior drivers in Nevada and suggest other ways to save on your auto insurance premiums.

CarInsurance.com Insights
  • The average cost of car insurance for a 65-year-old driver in Nevada is $1,984 per year for a full coverage policy.
  • According to CarInsurance.com’s research, a 70-year-old driver in Nevada pays 8% more for full coverage than more for full coverage than a 65-year-old driver.
  • Finding the cheapest car insurance for seniors over 70 becomes more important as rates increases significantly. For instance, a 75-year-old driver in Nevada pays 14% more more a full coverage policy than a 65-year-old driver.
  • Reviewing and comparing car insurance quotes every six months or at renewal can help you find the most affordable rates.

Cheapest car insurance companies for seniors in Nevada

Find the cheapest full coverage car insurance rates in Nevada for drivers of different ages below.

  • Overall cheapest car insurance for seniors over 60: State Farm, $119 per month.
  • Cheapest for seniors at age 65: State Farm, $112 per month.
  • Cheapest for seniors at age 70: State Farm, $118 per month.
  • Cheapest for seniors at age 75: State Farm, $127 per month.

Compare cheap car insurance quotes for senior drivers in Nevada

Below, find the cheapest car insurance rates in Nevada from major insurers for three coverage levels: state minimum, liability-only with limits of 50/100/50 and full coverage with 100/300/100 limits.

Rates by companies for seniors in Nevada

Select your age and type of coverage below to see the average annual and monthly rates.

Results for age 60 and the following coverage level: full coverage
Company NameAvg. Annual PremiumAvg. Monthly Premium
 
Coverage types:
  • Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Liability only: 50/100/50 liability only
  • State minimum: State minimum coverage

State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.

Liability car insurance with limits of 50/100/50 means:

  • $50,000 per person for bodily injury
  • $100,000 per accident for bodily injury per accident
  • $50,000 per accident for property damage

A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.

Full coverage insurance with limits of 100/300/100 includes higher liability limits:

  • $100,000 per person for bodily injury
  • $300,000 per accident for bodily injury to multiple people
  • $100,000 per accident for property damage

It also typically includes:

Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.

Why do car insurance rates increase for senior drivers in Nevada?

As drivers age, car insurance typically becomes more expensive. This is largely because statistics reveal that seniors, on average, are more involved in accidents than younger drivers, excluding teenagers, according to the Insurance Institute for Highway Safety.

Despite decades of driving experience, older drivers face age-related problems like hearing or vision loss, slower reflexes, side effects from medication and other health concerns that make driving more challenging.

The CDC reports that drivers older than 70 have a higher rate of crash fatalities per 1,000 crashes than those aged 35-54. NHTSA statistics reveal that in 2020, senior drivers 65 and older were involved in 13% of fatal accidents, up by 26% since 2011.

In addition, older drivers are more likely to need medical treatment even after a minor accident, and steep hospital expenses contribute to an overall increase in insurance rates.

“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.

“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.

This leads to higher car insurance costs. CarInsurance.com’s data show that premiums rise for most senior drivers starting in their mid-60s and keep increasing. In Nevada, a full coverage policy costs an average of $1,984 for a 65-year-old driver, while a 70-year-old driver pays $2,138.

In Nevada, 70-year-old drivers pay 8% more for full coverage than 65-year-olds and 75-year-olds pay 14% more for a full coverage policy, based on CarInsurance.com data.

Find below the annual average rate increases for senior drivers in Nevada by age and different coverage limits.

Chart
Table
AgeState minimumLiability onlyFull coverage
65$722$1,031$1,984
70$791$1,107$2,138
75$908$1,204$2,316

Coverage types:

  • Full coverage: 100/300/100 liability with $500 comp/coll deductible
  • Liability only: 50/100/50 liability only
  • State minimum: State minimum coverage only

Find out how much insurance costs for seniors

Cheapest car insurance for seniors with tickets in Nevada

A speeding ticket or other moving violation will increase your insurance premiums regardless of age. Insurers value statistics, and the data show that drivers who have tickets are more likely to be involved in accidents that might lead to claims.

The rate increase will vary by insurance company, but Nevada drivers can expect a 35% rise in their premiums after receiving a speeding ticket for going 1-29 mph over the limit.

Seniors who have a speeding ticket or minor moving violation can expect increased insurance costs. Based on our analysis, the best insurance providers for seniors with tickets are shown in the table below.

CompanyAnnual rates with 1 speeding ticketMonthly rates with 1 speeding ticket
State Farm$1,442$120
Allstate$2,839$237
American Family$2,857$238
Travelers$3,025$252
Farmers$3,035$253
Progressive$3,215$268
Mercury Insurance$3,523$294
GEICO$4,023$335
CSAA Insurance (AAA)$4,395$366
USAA*$1,882$157

Cheapest car insurance for seniors with DUIs in Nevada

A DUI is a major offense, and your insurance rates will rise significantly once it shows on your driving record. In most instances, your premium will double with a DUI. According to CarInsurance.com, in some states, rates can increase by 65% after the first DUI and up to 130% after a second.

Getting affordable coverage (or any coverage) becomes challenging after a DUI, but our data show these are some affordable insurers for seniors with a DUI in Nevada:

CompanyAnnual rates with DUI first offenseMonthly rates with DUI first offense
State Farm$1,442$120
Travelers$3,181$265
Allstate$3,482$290
Progressive$3,543$295
American Family$3,664$305
GEICO$4,200$350
Farmers$4,591$383
Mercury Insurance$4,680$390
CSAA Insurance (AAA)$4,691$391
USAA*$3,230$269

Cheapest car insurance for seniors after an accident in Nevada

Similar to a ticket or DUI, an accident on your record will lead to higher insurance rates. Although the exact increase depends on the insurer, data show drivers can expect a 63% hike in premiums after an at-fault accident with property damage over $2,000.

The increase will typically stay in place for three to five years, so it’s important to find the most affordable insurance company. Our data shows that the following insurers offer the cheapest car insurance for seniors after an accident in Nevada.

CompanyAnnual rates with 1 at-fault accidentMonthly rates with 1 at-fault accident
State Farm$1,555$130
Travelers$2,898$242
GEICO$3,376$281
Allstate$3,518$293
Farmers$3,691$308
American Family$3,763$314
Progressive$3,836$320
Mercury Insurance$4,830$403
CSAA Insurance (AAA)$5,601$467
USAA*$2,331$194

How can seniors save on car insurance in Nevada?

While auto insurance for seniors can be costly, there are ways to save. Here are some simple steps to lower your premiums:

  • Shop around: Comparing car insurance quotes every six months or annually around renewal time can help you find the best deal.
  • Raise your deductible: By increasing your deductible from $500 to $1,000, you can reduce your monthly premiums. However, make sure you have enough savings to cover the higher deductible.
  • Ask about discounts: Discounts, such as bundling with homeowners insurance, loyalty discounts and years of being licensed, are excellent ways to reduce your car insurance costs. Learn more about discounts below.

Tip iconEditor’s Tip:

Take a senior driving course: With an approved defensive driving course, seniors can save up to 3% on their car insurance in Nevada. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Nevada.

Car insurance discounts for senior drivers in Nevada

Seniors can take advantage of these car insurance discounts to reduce their insurance costs.

Discount typePotential annual savings
Air bags2%
Anti-theft device1%
Days advanced purchase6%
Defensive driver3%
Education13%
Electronic funds transfer4%
Electronic signature10%
Homeowner5%
Lower annual mileage4%
Loyalty – years renewal with company7%
Marital status8%
Multi policy8%
Paperless/electronic documents4%
Payment type8%
Primary use5%
Profession10%
Safety devices2%
Telematics10%
Years insured16%
Years licensed30%

Choosing the cheapest and best car insurance for seniors in Nevada

Senior drivers pay higher premiums than young adult drivers (excluding teens, of course). To find an affordable policy, assess your needs and determine the right amount of coverage.

When comparing insurance options, consider the cost, customer service and discounts offered. Search for the best auto insurance companies with affordable rates and user-friendly websites or apps.

FAQ: Cheap car insurance for seniors in Nevada

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Who has the cheapest state minimum auto insurance for seniors in Nevada?

Based on our data, $440 offers the lowest state minimum auto insurance rates for seniors in Nevada, at $440 yearly. GEICO and Progressive also provide affordable rates on state minimum coverage for seniors in Nevada.

Which companies offer the cheapest liability car insurance for seniors in Nevada?

According to CarInsurance.com, State Farm offers the cheapest liability car insurance for seniors in Nevada at $705 per year. GEICO and Travelers also offer inexpensive rates.

Does State Farm offer a senior discount in Nevada?

State Farm doesn’t offer a specific senior discount in Nevada, but it provides several discounts that seniors can use to reduce their insurance rates. These include discounts for completing a defensive driving course, safe driving, being a long-term customer, bundling policies and vehicle advanced safety features.

Bottom line

A CarInsurance.com analysis found that State Farm provides the cheapest full-coverage car insurance quotes for senior drivers in Nevada.

Shopping around and comparing online rates from different insurers can help seniors find the best car insurance deals. Additionally, senior drivers might qualify for discounts by taking defensive driving courses or bundling their car insurance with another policy.

Check out how to shop for car insurance for seniors

Resources & Methodology

Additional Resources

There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:

  1. American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
  2. AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
  3. National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
  4. Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
  5. Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.

Sources:

  1. Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed July 2025.
  2. Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed July 2025.
  3. National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed July 2025.
  4. National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed July 2025.

Behind the rates: How we analyzed cheapest costs for seniors in Nevada

CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.

To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.

Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied

  • One at-fault property damage accident over $2K
  • One at-fault property damage accident under $2K
  • At-fault bodily injury accidents
  • DUI/DWI first offense.
  • Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)

These are sample rates and should only be used for comparison purposes.

Note: USAA is only available to military community members and their families.

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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.