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.

Key Highlights
  • 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.
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Written by:
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.
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Reviewed by:
Laura Longero
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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.

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

CompanyFull 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.

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 CoverageMinimum 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.

CompanyState 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.

CompanyLiability 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.

CompanyFull 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.

CompanyRates Before SpeedingAfter Speeding (1-29 mph over limit)% Difference$ Difference
State Farm$1,736$1,8748%$139
Auto-Owners$1,445$1,88030%$435
Nationwide$1,773$2,03915%$266
Geico$1,085$2,512132%$1,427
Progressive$2,111$2,71329%$602
Allstate$2,995$3,33911%$344
Travelers$2,217$3,34151%$1,124
Mercury Insurance$2,549$3,51538%$966
American Family$2,740$3,59431%$854
Farmers$2,881$3,79332%$912
Kemper Insurance$3,571$4,22318%$652
CSAA (AAA)$4,386$5,64129%$1,256
USAA*$1,566$1,83017%$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 DUIRates After a DUI% Difference$ Difference
State Farm$1,736$1,8748%$139
Geico$1,085$2,600140%$1,515
Auto-Owners$1,445$2,66985%$1,224
Progressive$2,111$2,92839%$817
Nationwide$1,773$3,42293%$1,649
Travelers$2,217$3,52159%$1,304
Allstate$2,995$4,09237%$1,097
Mercury Insurance$2,549$4,42674%$1,877
Farmers$2,881$4,44854%$1,568
Kemper Insurance$3,571$4,90937%$1,338
CSAA (AAA)$4,386$6,00437%$1,618
American Family$2,740$6,685144%$3,945
USAA*$1,566$3,149101%$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.

CompanyRates Before AccidentRates After Accident% Difference$ Difference
State Farm$1,736$2,01316%$278
Geico$1,085$2,176101%$1,091
Auto-Owners$1,445$2,30660%$861
Nationwide$1,773$2,63449%$861
Travelers$2,217$3,19044%$973
Progressive$2,111$3,33458%$1,223
American Family$2,740$4,00246%$1,262
Allstate$2,995$4,10837%$1,113
Farmers$2,881$4,12043%$1,239
Kemper Insurance$3,571$4,54127%$970
Mercury Insurance$2,549$4,99896%$2,449
CSAA (AAA)$4,386$7,13263%$2,746
USAA*$1,566$2,17239%$606

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

Cheapest car insurance rates by state

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.

CityFull 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 bags2%$37
Anti-theft device1%$26
Days advanced purchase6%$210
Education13%$228
Electronic funds transfer4%$108
Electronic signature10%$213
Homeowner4%$139
Lower annual mileage4%$90
Loyalty – years renewal with company7%$215
Marital status8%$313
Multi policy8%$239
Paperless/electornic documents4%$130
Payment type8%$273
Primary use6%$142
Profession9%$186
Safety devices2%$52
Telematics10%$293
Years insured16%$620
Years licensed30%$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.

Laura Longero

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.

John McCormick

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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.

Leslie Kasperowicz

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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.

Nupur Gambhir

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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.

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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.