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 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 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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Who pays a lower insurance premium in Nevada?
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.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property 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.
Here are the average annual rates for liability insurance coverage from major carriers in Nevada, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates 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 car insurance companies in Nevada for full coverage
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
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 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.
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.
Cheapest car insurance premiums in Nevada after a DUI conviction
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 companies in Nevada after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm 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 found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
The city with the lowest auto insurance rates in Nevada is Winnemucca, at $1,600 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
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
Average savings on car insurance in Nevada
If you compare car insurance quotes, you could enjoy an annual saving of around 30% on 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 car 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.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Nevada is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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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
Executive 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