What is the best car insurance in Nevada?

The best car insurance in Nevada depends on your individual rating factors, which will be reviewed differently by each car insurance company. For example, one insurance company may be more lenient on rate hikes following a speeding ticket than another, which may prove to be the differentiating factor as you compare quotes. This is why taking the time to write out what you want and need from an insurance provider can be so valuable, for it helps you establish a clear baseline to see how well different providers can meet your expectations.

How much does car insurance cost in Nevada?

Car insurance in Nevada is relatively expensive when compared to the national average. In Nevada, annual average premiums for minimum and full coverage are $1,084 and $3,568, respectively. In comparison, the national annual average cost of car insurance is $2,671 for full coverage and $806 for minimum coverage. However, your personal rates will vary from these averages based on several factors, including age, driving record, ZIP code, vehicle type and credit history. Nevada's rates are higher than the national average in part because its largest city, Las Vegas, has very congested roadways and a high rate of auto theft.

How do I get the cheapest car insurance in Nevada?

When you are looking for low-cost car insurance in Nevada, there are a few tactics that can help you save money. Maintaining a clean driving record and an excellent credit score may earn you lower rates. Shopping around and gathering multiple quotes can help you find the carrier that offers the best rates for your circumstances. If you can afford it, you might also consider raising your deductible, but be aware that you would have to pay that increased cost out of pocket if you were to file a claim.

Why is car insurance so expensive in Nevada?

According to the United States Census Bureau, Nevada is the second-most urban state with 94.1% of its residents living in cities, following California only by a fraction of a percent. Most of the state is desert, so it makes sense that most residents congregate in the livable conditions within the city limits. However, this increases traffic congestion and generally leads to more car accidents, which can drive up insurance costs as a result. And matters may only get worse since Nevada ranked as the sixth-fastest growing state nationwide in 2024, not to mention the millions of thrill-seeking tourists who visit Las Vegas each year.

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Cheapest car insurance in Nevada for 2025

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The cheapest car insurance companies in Nevada

Finding cheap auto insurance in Nevada may take a bit of research, considering the state’s high average premiums. The average annual cost of full coverage in the state is $3,568, while the average annual cost of minimum coverage is $1,084. Fortunately, when comparing rates, the insurance editorial team found companies with average rates below these figures. When searching for affordable car insurance in Nevada, you may want to start by getting quotes from Geico or Progressive.

Key takeaways

Cheapest company for minimum coverage: Geico
Cheapest company for full coverage: Geico
Cheapest company for drivers with prior incidents: Geico and USAA
Cheapest company for young drivers: Geico

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Cheapest car insurance in Nevada for minimum coverage

Minimum coverage car insurance refers to the state-mandated minimum level of coverage required to drive legally. In Nevada, this means liability-only coverage. Based on average rate data from Quadrant Information Services, Geico and Progressive offer some of the cheapest minimum coverage rates in Nevada. As a point of comparison, the average cost of minimum coverage in the state is $1,084 per year.


Geico	$32	$389	-695
Progressive	$52	$628	-456
USAA	$56	$670	-414
Mercury	$61	$727	-357
Country Financial	$80	$960	-124

Minimum coverage requirements for Nevada drivers

Nevada drivers, like drivers in maintain a minimum amount of liability car insurance. That minimum coverage includes the following:

$25,000 bodily injury per person
$50,000 bodily injury per accident
$20,000 property damage

Minimum coverage is often the cheapest car insurance option, but most insurance professionals recommend that you purchase higher liability limits for added protection. If you cause an accident, you are responsible for paying for the injuries and damages that you cause. If your insurance limits are insufficient, you may be left paying those bills out of pocket.

Additionally, minimum coverage does not include comprehensive or collision coverage, which provide coverage for your own vehicle. If you have a loan or lease on your vehicle, your lender will likely require you to carry these coverage types, also known as full coverage.

Cheapest car insurance in Nevada for full coverage

The average cost of full coverage car insurance in Nevada is 32 percent more than the national average, but it provides financial protection for your own vehicle through comprehensive and collision coverage. While full coverage isn't required by law, insurance experts often recommend it. Depending on your vehicle, the cost of a full coverage policy is usually less than paying to repair or replace your vehicle out of pocket if your car is damaged in an at-fault accident or other incident. Bankrate found that Geico and USAA offer the cheapest average rates for full coverage in Nevada.


Geico	$141	$1,687	-1881
USAA	$186	$2,233	-1335
Progressive	$212	$2,540	-1028
American Family	$222	$2,665	-903
Encompass	$254	$3,043	-525

Cheapest car insurance in Nevada for drivers with prior incidents

Your driving record is one of the biggest factors that impacts your ability to find cheap car insurance in Nevada. Drivers with accidents, tickets and other moving violations on their record typically pay higher rates than drivers with clean driving records. Carriers weigh these incidents differently when calculating premiums, so shopping around may be a cost-saving strategy if you have a less-than-perfect record.

Cheapest car insurance for drivers with a ticket: Geico
Cheapest car insurance for drivers with an at-fault accident: Geico
Cheapest car insurance for high-risk drivers: Progressive

Cheapest insurance companies for drivers in Nevada with a speeding ticket: Geico

Reckless behavior might be permitted inside Las Vegas casinos, but it has no place on the roads. Insurance companies typically correlate speeding tickets with a higher likelihood of causing an accident in the future and raise your rates accordingly to compensate for the risk. Although each insurance company is different, even a single ticket may be enough to raise your rates at renewal. Looking at average premium data, we found that these companies offer the lowest average rates for drivers with a single speeding ticket conviction in Nevada:


Geico	$468	$2,055
USAA	$835	$2,764
Progressive	$882	$3,411
Encompass	$1,156	$3,478
Mercury	$1,207	$5,091

Cheapest car insurance for drivers in Nevada with an at-fault accident: Geico

Accident forgiveness coverage may keep your rates from increasing after a crash, but if you do not have this optional coverage in place, you will likely see a premium increase following an accident, even if you're not deemed at fault. The amount your premium could increase will vary depending on your insurer and your own circumstances. If you are looking for Nevada car insurance savings after you've been involved in an at-fault accident, you might consider these five carriers:


Geico	$663	$2,803
USAA	$1,061	$3,343
Progressive	$1,108	$4,269
Encompass	$1,231	$3,603
Country Financial	$1,383	$4,664

Cheapest car insurance in Nevada for high-risk drivers: Progressive

Every insurance company has its own definition for what makes a high-risk driver, but you may find yourself in this category if you have a DUI, multiple speeding tickets or several accidents on your record. If you are a high-risk driver, you may find it more difficult to find insurance, and your rates are likely to be high. Some companies will not sell policies to high-risk drivers, so you may need to shop around to find the best option for your situation.


Progressive	$875	$3,555
Geico	$1,088	$4,226
Country Financial	$1,440	$4,930
USAA	$1,487	$4,709
Mercury	$1,566	$6,606

Bankrate’s take: Nevada drivers with a DUI conviction, extended SR-22 insurance. SR-22 is not a coverage type but rather a form filed with the state by your insurance company that certifies you carry at least the state minimum level of required auto insurance coverage. However, not all carriers issue SR-22s, so you may need to shop around to find one that will file this document for you.

Cheapest car insurance for young drivers in Nevada

Age impacts car insurance rates in Nevada, and young drivers see some of the highest average rates due to their lack of experience behind the wheel. If you are looking to insure a teen driver, especially if they have incidents on their driving record, shopping around will help you find the lowest rates. Below are some of the cheapest auto insurers in Nevada for young drivers:

Cheapest car insurance for insuring a teen driver: Geico
Cheapest car insurance for teens with a ticket: Geico
Cheapest car insurance for teens with an at-fault accident: Geico
Cheapest car insurance for young drivers with a DUI: Progressive

Cheapest Nevada car insurance for insuring a teen driver: Geico

New drivers are more likely to be involved in car accidents. This higher risk profile usually leads companies to charge higher rates for teens, even if they're insured on their parents' policies. If you're looking for cheap car insurance for your teen driver, you might start with quotes from these companies:


Geico	$944	$3,631
USAA	$1,920	$5,646
American Family	$1,925	$4,451
Dairyland	$2,078	$7,397
Country Financial	$2,195	$6,845

Bankrate’s take: Data shows that teen drivers are more frequently involved in car accidents not only due to their inexperience but also due to high rates of distracted driving, whether that be from their friends or their phones. Car insurance companies typically charge teen drivers expensive premiums to compensate for these added risks. Fortunately, young drivers typically see their premiums come down steadily after age 25 as long as they maintain a clean driving record.

Cheapest Nevada car insurance for teens with a ticket: Geico

Teen drivers already experience high average premiums, and a speeding ticket can exacerbate these prices. Bankrate identified the five carriers below as the cheapest in Nevada for teens with a speeding ticket conviction. The rates below are for an 18-year-old driver on their own car insurance policy.


Geico	$1,979	$7,459
USAA	$2,820	$8,404
Progressive	$2,852	$8,544
Kemper	$3,126	$11,348
Country Financial	$3,346	$10,498

Cheapest Nevada car insurance for teens with an at-fault accident: Geico

Teen drivers have high accident rates, and teens who have been involved in accidents typically see very high insurance premiums. We assessed average rates for an 18-year-old with a single at-fault accident on their record to give you an idea of what you might pay for coverage and highlight the cheapest carriers for this driver profile.


Geico	$2,525	$8,928
Progressive	$2,991	$8,821
USAA	$3,384	$10,094
Dairyland	$3,403	$13,450
Mercury	$3,924	$14,376

Bankrate’s take: Some car insurance companies offer accident forgiveness coverage. This endorsement protects your rates from increasing after your first at-fault accident, but you must have the coverage in place before your accident. Accident forgiveness is not available with all carriers, and some companies require you to earn coverage eligibility with a set number of accident-free driving years.

Cheapest Nevada car insurance for young drivers with a DUI: Progressive

Young drivers with DUIs represent one of the highest-risk driver profiles. Not all carriers will extend coverage to drivers with DUIs, especially not young drivers. If you fall into this category, you may need to shop around with many carriers to find affordable coverage. We identified the following carriers as the cheapest for a 21-year-old driver in Nevada with a single DUI conviction.


Progressive	$1,327	$4,722
Geico	$1,771	$6,817
Kemper	$1,913	$7,912
USAA	$2,621	$7,733
Country Financial	$2,820	$8,921

Cheapest car insurance rates by city in Nevada

In Nevada, your ZIP code plays a role in determining the rate you pay for car insurance. If you live in an area where car theft is common, for example, you may pay more because of the increased risk to your insurer that you will file a claim for your stolen car. Populated areas where congestion — and accidents — happen more frequently also generally see higher rates. Below are the cheapest large cities and the cheapest cities overall for car insurance in Nevada based on average premiums.


North Las Vegas	$1,256	Geico	$441
Henderson	$1,091	Geico	$380
Las Vegas	$1,278	Geico	$447
Sloan	$1,089	Geico	$322
Blue Diamond	$1,035	Geico	$322

Car insurance discounts in Nevada

If you are wondering how to save on car insurance in Nevada, you may want to consider discounts. Most insurers offer at least a handful of discounts, and they might be easy to qualify for. These are a few of the more common ones you may see with carriers in Nevada:

Young driver discounts: These take several forms. Young drivers still in school may save by maintaining a "B" or better GPA. They may also qualify for a reduced premium while they are away at school and their vehicle is stored at home.
Safe driver discounts: There may be several ways to save if you are a safe driver. Telematics programs, which monitor your real-time driving skills, are designed to reward good driving with a premium discount. You may also earn a discount if you do not file any claims for a set period of time.
Bundling discounts: Most providers offer a discount to incentivize purchasing multiple insurance products on one policy, such as bundling your auto insurance with your home or renters insurance.
Professional discounts: Having a certain occupation, such as being a teacher, first responder or military service member, could make you eligible for discounts with some insurance providers. Other alumni associations or professional groups may also qualify for exclusive savings.
Safety and security discounts: Modern vehicle safety and security features can help reduce the severity of an insurance claim or prevent one altogether. Whether these features come standard with your vehicle or are aftermarket additions, insurance providers may reward your commitment to safety and security with valuable discounts.
Billing discounts: The easiest discounts are often earned by making simple adjustments to your billing settings. This can include enrolling in paperless billing, paying your premium in full and setting up automatic payments.
Loyalty discounts: While routinely shopping for car insurance quotes is a common strategy for saving money, your current provider may reward your loyalty by offering a continuous insurance discount.

Frequently asked questions

The best car insurance in Nevada depends on your individual rating factors, which will be reviewed differently by each car insurance company. For example, one insurance company may be more lenient on rate hikes following a speeding ticket than another, which may prove to be the differentiating factor as you compare quotes. This is why taking the time to write out what you want and need from an insurance provider can be so valuable, for it helps you establish a clear baseline to see how well different providers can meet your expectations.
Car insurance in Nevada is relatively expensive when compared to the national average. In Nevada, annual average premiums for minimum and full coverage are $1,084 and $3,568, respectively. In comparison, the high rate of auto theft.
When you are looking for best rates for your circumstances. If you can afford it, you might also consider raising your deductible, but be aware that you would have to pay that increased cost out of pocket if you were to file a claim.
According to the sixth-fastest growing state nationwide in 2024, not to mention the millions of thrill-seeking tourists who visit Las Vegas each year.

Premium

A premium is the amount the policyholder pays to the insurance company, typically on a monthly, semi-annual or annual basis, to maintain an active insurance policy.

Full coverage car insurance

Full coverage car insurance provides physical damage coverage for your own vehicle. It typically includes comprehensive and collision coverage in addition to state-mandated liability coverage.

Deductible

A deductible is the amount the policyholder agrees to pay out-of-pocket before the insurance company begins to cover expenses related to a claim.

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Cheapest car insurance in Nevada for 2025

The cheapest car insurance companies in Nevada

Key takeaways

Compare auto insurance rates

Cheapest car insurance in Nevada for minimum coverage

Minimum coverage requirements for Nevada drivers

Cheapest car insurance in Nevada for full coverage

Cheapest car insurance in Nevada for drivers with prior incidents

Cheapest insurance companies for drivers in Nevada with a speeding ticket: Geico

Cheapest car insurance for drivers in Nevada with an at-fault accident: Geico

Cheapest car insurance in Nevada for high-risk drivers: Progressive

Cheapest car insurance for young drivers in Nevada

Cheapest Nevada car insurance for insuring a teen driver: Geico

Cheapest Nevada car insurance for teens with a ticket: Geico

Cheapest Nevada car insurance for teens with an at-fault accident: Geico

Cheapest Nevada car insurance for young drivers with a DUI: Progressive

Cheapest car insurance rates by city in Nevada

Car insurance discounts in Nevada

Frequently asked questions

What is the best car insurance in Nevada?

How much does car insurance cost in Nevada?

How do I get the cheapest car insurance in Nevada?

Why is car insurance so expensive in Nevada?

Key terms in this article

Methodology

Rates

Other profiles

Credit-based insurance scores:

Incidents:

Mileage:

Model:

Age:

Gender:

Status: