- According to recent data, State Farm offers the cheapest full coverage car insurance in Nevada at $120 per month.
- Nevada drivers with a clean driving record pay 39% less for car insurance than drivers with a DUI.
- In Nevada, the city of Winnemucca has the most affordable car insurance rates at $1,600 annually.
- Comparing price quotes from multiple insurers can help you save up to 30% per year on your car insurance policy in Nevada.
The cheapest car insurance in Nevada costs $120 per month for a full coverage policy from State Farm. That’s a $52 savings from the average cost of insurance in the state, which is $172 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Nevada including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest car insurance rates in Nevada?
Based on data analysis by CarInsurance.com, State Farm provides the cheapest full coverage auto insurance rates for Nevada drivers at a monthly rate of $120 or $1,443 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Nevada.
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.
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
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.
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 state minimum coverage in Nevada
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Nevada, you must have at least the following insurance coverage on your car.
| 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 Nevada insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, 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 car insurance in Nevada
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Nevada from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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
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Cheapest auto insurance in Nevada by driving history
Your driving history impacts insurance premiums in Nevada, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Nevada, drivers with a history of traffic violation pay an average of $1,038 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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
CarInsurance.com analyzed insurance rates for Nevada drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,874. GEICO is the second-cheapest insurer at an average of $2,600 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 39% less than drivers with a DUI on their record.
| 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 rates in Nevada after an at-fault accident
If you’re a driver with an at-fault accident on your record, $1,038 is the cheapest option, offering car insurance at an average cost of $2,013 annually.
GEICO is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost 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.
Check out the most affordable insurance options in your neighboring state
Which cities in Nevada have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Nevada is Winnemucca, at $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.
Below is a list of cities in Nevada with the lowest auto 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 |
A detailed guide on the 10 most important 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:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/20.
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.
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