The type of vehicle you own in Nevada can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Nevada for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Nevada
Our analysis shows that the Subaru Outback and the Honda HR-V have the lowest average insurance costs in Nevada, with Mini Cooper Countryman JCW and Volkswagen Tiguan close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Nevada and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Subaru Outback | $980 |
| Volkswagen Tiguan | $990 |
| Mini Cooper Countryman JCW | $990 |
| Honda HR-V | $990 |
| Honda CR-V | $995 |
| Subaru Forester | $996 |
| Subaru Crosstrek | $998 |
| Chevrolet TrailBlazer | $1,009 |
| Mazda CX-5 | $1,012 |
| GMC Savana | $1,014 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Nevada
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Nevada
Our data shows that Subaru Legacy is the most affordable sedan to insure in Nevada. Its average six-month full coverage cost is $1,060 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Volkswagen Jetta takes the second spot at $1,137, while the Nissan Versa comes in third with an average cost of $1,142.
The table below shows the cheapest sedans to insure in Nevada and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,060 |
| Volkswagen Jetta | $1,137 |
| Nissan Versa | $1,142 |
| Honda Civic Sedan | $1,160 |
| Volkswagen Jetta GLI | $1,163 |
| Honda Accord | $1,164 |
| Mazda 3 Sedan | $1,187 |
| Toyota Camry | $1,190 |
| Toyota Corolla | $1,192 |
| Nissan Sentra | $1,212 |
| Chevrolet Malibu | $1,213 |
| Kia Forte | $1,218 |
| Nissan Altima | $1,233 |
| Hyundai Elantra | $1,245 |
| Mitsubishi Mirage G4 | $1,254 |
| Kia K5 | $1,280 |
| Hyundai Sonata | $1,320 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Nevada
The Subaru Outback and Honda HR-V have the lowest car insurance rates, at $980 and $990, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Volkswagen Tiguan | $990 |
| Honda HR-V | $990 |
| Honda CR-V | $995 |
| Subaru Forester | $996 |
| Subaru Crosstrek | $998 |
| Chevrolet TrailBlazer | $1,009 |
| Mazda CX-5 | $1,012 |
| Buick Encore GX | $1,018 |
| Honda Pilot | $1,027 |
| Mazda CX-30 | $1,033 |
| Jeep Wrangler | $1,035 |
| Subaru Ascent | $1,041 |
| Toyota RAV4 | $1,043 |
| Mini Cooper Countryman | $1,047 |
| Ford Escape | $1,049 |
| Ford Bronco Sport | $1,050 |
| Honda Passport | $1,052 |
| Hyundai Tucson | $1,058 |
| Toyota Corolla Cross | $1,059 |
| Buick Envision | $1,060 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Nevada
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,037.
The table below compares car insurance rates for different sports cars in Nevada
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,037 |
| Honda Civic Si | $1,181 |
| Chevrolet Camaro | $1,236 |
| Ford Mustang | $1,353 |
| BMW Z4 | $1,354 |
| Porsche 718 Boxster | $1,381 |
| Subaru BRZ | $1,387 |
| Toyota GR86 | $1,394 |
| Toyota GR Corolla | $1,421 |
| Toyota GR Supra | $1,426 |
| Honda Civic Type R | $1,439 |
| Subaru WRX | $1,454 |
| Chevrolet Corvette | $1,506 |
| Chevrolet Camaro ZL1 | $1,527 |
| Porsche 718 Cayman | $1,596 |
| Jaguar F-Type | $1,764 |
| Chevrolet Corvette Z06 | $1,823 |
| Porsche 911 | $1,949 |
| Nissan Z | $2,022 |
| Porsche 911 Turbo | $2,025 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Nevada
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,066 for a six-month full coverage policy. The Volvo XC40 and Lincoln Corsair also have affordable insurance rates at $1,106 and $1,142, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,066 |
| Volvo XC40 | $1,106 |
| Lincoln Corsair | $1,142 |
| Cadillac XT4 | $1,156 |
| Cadillac XT5 | $1,158 |
| Acura MDX | $1,162 |
| Audi Q3 | $1,163 |
| Alfa-Romeo Tonale | $1,179 |
| Mercedes-Benz GLA-Class | $1,194 |
| BMW X3 | $1,205 |
| Volvo XC60 | $1,211 |
| Lexus RX | $1,217 |
| BMW X2 | $1,239 |
| Porsche Macan | $1,242 |
| Land Rover Discovery Sport | $1,249 |
| BMW X1 | $1,256 |
| Cadillac XT6 | $1,256 |
| Acura Integra | $1,258 |
| Lexus NX | $1,260 |
| Infiniti QX50 | $1,262 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Nevada
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $2,946 a year or $246 a month.
Below is a list of the most affordable EVs to insure in Nevada for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,068 |
| Volkswagen ID.4 | $1,110 |
| Kia Niro EV | $1,163 |
| Subaru Solterra | $1,181 |
| Hyundai Kona Electric | $1,182 |
| Chevrolet Silverado EV | $1,193 |
| Nissan Leaf | $1,232 |
| Toyota bZ4X | $1,264 |
| Genesis Electrified GV70 | $1,278 |
| Ford F-150 Lightning | $1,321 |
| Audi Q4 e-tron | $1,325 |
| Hyundai Ioniq 5 | $1,326 |
| Chevrolet Blazer EV | $1,328 |
| Kia EV9 | $1,336 |
| Mercedes-Benz EQB | $1,337 |
| Ford Mustang Mach-E | $1,346 |
| Jaguar I-Pace | $1,349 |
| Volvo XC40 Recharge | $1,351 |
| Cadillac LYRIQ | $1,375 |
| Kia EV6 | $1,391 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Nevada
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $3,373 to insure a Subaru Outback, while insuring a Mini Cooper Countryman JCW costs $3,450 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Nevada?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,068 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $1,110 for the Volkswagen ID.4 for the same coverage.
Which SUVs are the cheapest to insure in Nevada?
In Nevada, insuring a Subaru Outback SUV costs about $980 for six months, making it one of the most affordable options. The Honda HR-V and Mini Cooper Countryman JCW also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Nevada?
The Subaru Outback, Mini Cooper Countryman JCW, Subaru Forester and Volkswagen Tiguan are some of the cheapest cars to insure for 18-year-olds in Nevada. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and Audi e-tron GT can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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