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At 109,781 square miles, Nevada ranks as the seventh largest state in the US, but with only 2.7 million residents spread over all that space, it is the ninth least populous. Adding to the wide-open feel, there are just 1.8 million licensed drivers, most of whom reside in the greater Las Vegas area. Even with a lack of congestion in most of the state, US News found that car insurance is no bargain for Nevada residents. Based on our survey of rates from the ten largest car insurance companies in the country by market share, the average rate in our analysis in the state of Nevada is $1,545 per year.

The high average rates may have something to do with so much of the population living in and around the fast-moving city of Las Vegas. That’s because densely populated areas carry a higher risk of accidents and, as a result, higher car insurance rates.

Our study found wide variances in costs depending on other factors that can amount to thousands of dollars in savings depending on which insurer you choose. But we’ve made it easy to find the best choice for you, regardless of your location, age, driving history, or credit score.

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Cheapest Car Insurance in Nevada

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Nevada

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record.  The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Nevada

Our study found that car insurance rates for our representative driver profiles in Nevada varied widely, from an average of $1,114.70 with USAA to almost double that, or $2,099.23 with Farmers. We found a wide range of rates depending on the age, driving record, credit history, and insurance coverage level we assigned to each of our representative profiles. A company with good rates based on one of those factors may not be such a good deal for the other factors. That makes it all the more important to shop around.

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Nevada Car Insurance Rates by Age

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Nevada is not alone in having rates that vary by demographic factors, but the differences can be even more dramatic in Nevada than in some other states. For example, our study found that the 25-year old male driver profile in Nevada paid $2,753.36 annually on average for car insurance with Farmers, while the 60-year-old male profile paid a study rate of just $1,563.01 with the same company.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$2,253.41

$2,146.83

$2,002.67

$2,018.41

$1,983.99

$1,884.43

American Family

$2,099.85

$1,833.47

$1,833.47

$1,833.47

$1,648.65

$1,648.65

Farmers

$2,753.36

$2,699.17

$1,902.65

$1,841.03

$1,836.13

$1,563.01

Geico

$1,263.77

$1,483.39

$1,445.09

$1,497.63

$1,540.29

$1,516.19

Nationwide

$1,904.54

$1,760.90

$1,455.35

$1,415.77

$1,354.53

$1,254.41

Progressive

$1,290.85

$1,403.05

$975.84

$1,159.28

$952.91

$946.71

State Farm

$1,892.07

$1,707.24

$1,542.93

$1,542.93

$1,423.49

$1,423.49

Travelers

$1,343.80

$1,219.69

$1,117.41

$1,102.64

$1,021.94

$1,022.31

USAA

$1,344.63

$1,269.92

$1,032.36

$1,049.46

$993.14

$998.72

Nevada Car Insurance Rates by Driving Record

As you might expect, a person's driving record has a large impact on insurance rates, according to our study. To find out just how much of an effect, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our analysis found that the driver profile with a clean record paid a representative rate of $1,457.73 with Geico, while the profile with one crash on the record saw study rates with Geico jump to $2,399.27.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,048.29

$2,274.41

$2,591.61

$2,769.13

American Family

$1,816.26

$2,160.36

$3,324.46

$3,564.55

Farmers

$2,099.23

$2,710.33

$2,948.74

$3,133.11

Geico

$1,457.73

$1,763.58

$2,399.27

$2,672.80

Nationwide

$1,524.25

$1,728.18

$2,277.87

$3,026.36

Progressive

$1,121.44

$1,550.22

$2,119.56

$1,751.74

State Farm

$1,588.69

$1,735.23

$1,881.78

$1,735.23

Travelers

$1,137.97

$1,467.74

$1,852.50

$2,355.78

USAA

$1,114.70

$1,299.07

$1,521.47

$2,207.20

Nevada Car Insurance Rates by Credit Score

Credit history is another factor that can affect car insurance premiums because insurance companies believe customers with good credit history are more responsible and pose a lower risk than customers with average or poor credit history. Our study verified that credit score also affects car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

We found that your credit score can have a big impact on rates. Our study found that the representative profile with good credit paid a study rate of $1,588.69 on average with State Farm, while the same company charged the driver profile with poor credit a representative rate of $6,152.91.

Company

Good

Fair

Poor

Allstate

$2,048.29

$2,399.60

$3,402.10

American Family

$1,816.26

$2,084.51

$2,686.73

Farmers

$2,099.23

$2,405.02

$3,664.50

Geico

$1,457.73

$1,821.19

$2,184.75

Nationwide

$1,524.25

$1,743.83

$2,177.06

Progressive

$1,121.44

$1,392.04

$1,833.10

State Farm

$1,588.69

$2,460.04

$6,152.91

Travelers

$1,137.97

$1,329.59

$1,886.88

USAA

$1,114.70

$1,349.47

$2,321.01

Nevada Car Insurance Rates by City

We checked our study's driver profiles in some of Nevada's largest cities to find out how city of residence can affect insurance rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Where you live in Nevada also has a big impact on car insurance rates. While our study found that the driver profile with Las Vegas as place of residence paid the highest representative rates in the state, at $2,139.71 on average, insurance costs were almost half that for residents 420 miles away in Elko, where we saw an average study rate of $1,210.68.

City

Average Rate

Las Vegas

$2,139.71

Henderson

$1,923.61

Reno

$1,435.71

North Las Vegas

$2,088.64

Sparks

$1,443.33

Carson City

$1,285.90

Elko

$1,210.68

Fernley

$1,225.60

Mesquite

$1,410.93

Boulder City

$1,544.61

Nevada Auto Insurance Minimum Coverage Requirements

Nevada requires all drivers to carry liability insurance, and proof of same is required before registering a motor vehicle. The minimums vary based on the type of coverage:

  • $25,000 for bodily injury or death of one person in any one accident.
  • $50,000 for bodily injury or death of two or more persons in any one accident.  
  • $20,000 for injury to or destruction of property of others in any one accident.

It is important to note that none of these coverages include injury protection for you or family members riding in your vehicle. They only apply to passengers in other vehicles involved in a collision with you. They also do not provide protection in the event of a collision with an uninsured motorist. Those coverages require the purchase of medical payment insurance, and uninsured motorist coverage, respectively. Neither are required by law. Nevada also offers the option of self-insurance for owners of fleets with ten or more vehicles.

As in many other states, the minimum coverages required in Nevada are relatively modest, and they wouldn’t begin to cover the actual costs of injury or damage resulting from most car crashes. That makes the cost of additional coverage a good idea financially, and because most insurers don’t charge all that much for additional coverage, it’s a relative bargain. Unfortunately, the minimum $25,000 required for bodily injury doesn’t go very far to pay hospitalization costs these days, and being held responsible for even a relatively minor injury could spell bankruptcy for some drivers.

Also remember when budgeting that none of these required coverages will pay the cost of repairs to your own vehicle, which is normally covered by a collision or comprehensive policy, which is not required by law in Nevada. But expect a requirement to purchase such coverage if you’re taking out a loan to buy your vehicle.

Nevada uses a system called LIVE to electronically validate proof of insurance, which provides information such as driver’s license number, vehicle identification number, and other policy details. It does not provide proof of comprehensive insurance, collision, or other coverages not required by Nevada law. The state also permits the use of printed insurance cards. Proof of insurance must be provided on demand by law enforcement or other state officials, either electronically or on paper.

Cheapest Car Insurance in Nevada

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Male Young Adult Drivers

Geico

Single Female Young Adult Drivers

Travelers

Married Male Adult Drivers

Progressive

Married Female Adult Drivers

Travelers

Senior Drivers

Progressive

Drivers with Good Credit

Progressive

Drivers with Poor Credit

Progressive

Drivers with a Clean Record

Progressive

Drivers with One Speeding Violation

Travelers

Drivers with One Accident

Travelers

Drivers with One DUI

State Farm

Low-mileage Drivers

Progressive

High-mileage Drivers

Progressive

Drivers with Low Coverage

Progressive

Drivers with High Coverage

Travelers

Drivers with Used Cars

Progressive

Drivers with New Cars

Progressive

To find which car insurance company offers the lowest rates in Nevada, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Even with low minimums, car insurance is no bargain in Nevada. Our survey found that USAA offered the lowest average rates overall, but even this typically affordable insurer charged a study rate of $1114.70 on average. And as much of a relative bargain as USAA can be, remember that it only offers insurance to active military personnel, veterans, and the member’s spouse and children. For non-military families, our analysis found that the most affordable alternative was Progressive, with an average study rate of $1,121.44. Travelers was next at $1,137.97 annually, followed by Geico at $1,457.73, Nationwide at $1,524.25, and State Farm at $1,588.69. Allstate and Farmers topped the charts at $2,048.29 and $2,099.23, respectively.

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Nevada Car Insurance Rates by Coverage Level

Most major insurers offer car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

We found that our driver profiles could shave a little off those rates by opting for only bare minimum coverage, although doing so could dramatically increase your out of pocket expenses after a crash. That could easily make the modest initial savings less of a bargain.

For example, choosing minimum coverage with USAA brought the average annual premium down to $998.22 in our survey, a savings of roughly $115. With Geico, we saw minimum coverage dropped study rates to $1,298.39, about $150 in savings. While we found the annual savings of minimal coverage could add up to a few hundred dollars with some companies, that small savings could disappear quickly even with the shortest hospital visit.

Company

Low

Medium

High

Allstate

$1,763.17

$2,048.29

$2,249.86

American Family

$1,585.07

$1,816.26

$1,782.44

Farmers

$1,926.72

$2,099.23

$2,344.23

Geico

$1,298.39

$1,457.73

$1,745.16

Nationwide

$1,471.21

$1,524.25

$1,598.51

Progressive

$1,023.43

$1,121.44

$1,336.03

State Farm

$1,419.95

$1,588.69

$1,823.41

Travelers

$1,039.24

$1,137.97

$1,207.93

USAA

$988.22

$1,114.70

$1,277.49

Nevada Car Insurance Rates by Annual Mileage

We created two driver profiles to compare how annual mileage can change car insurance rates in Nevada. One with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Annual mileage also made little difference in Nevada insurance rates. According to our study, sfive of the ten insurance companies surveyed charged the same annual premium on average for both the driver profile with low mileage and the one with high mileage. With USAA, we saw a difference of about $50 in the study rates for the two profiles, while the survey found State Farm charged about $180 more for the representative profile with extra miles.

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,048.29

$2,048.29

American Family

$1,707.46

$1,816.26

Farmers

$2,099.23

$2,099.23

Geico

$1,412.51

$1,457.73

Nationwide

$1,524.25

$1,524.25

Progressive

$1,121.44

$1,121.44

State Farm

$1,409.23

$1,588.69

Travelers

$1,137.97

$1,137.97

USAA

$1,064.39

$1,114.70

We found a much more significant difference in rates based on where drivers live within Nevada. Not surprisingly, our survey showed that driver profiles in more heavily populated cities such as Las Vegas and Henderson had some of the highest average study rates in the state, at $2,139.71, and $1,923.61. Conversely, smaller communities like Elko and Fernly were least expensive in the survey at $1,210.68 and $1,225.60.

Aside from moving to another part of the state, our study found the best way to get the lowest rates on car insurance is to simply maintain a safe driving record and good credit. Just one speeding violation raised average study rates in Nevada by more than $700 for the driving profile insured through Farmers, from $2,099.23 to $2,710.33. With Progressive, the difference in represented rates between the profile with a clean record and the one with a single speeding ticket was about $430, going from $1,121.44 to $1,550.22.

We found that credit score made an even bigger difference in car insurance study rates. With Farmers, our study results showed a driver profile with good credit paid a representative rate of $2,099.23 on average, while one with poor credit paid $3,664.50. With State Farm, average annual rates in our survey went from $1,588.69 to a whopping $6,152.91.

All this proves that it’s important to shop around, obey the law, and pay your bills on time. And don’t be afraid to get new quotes annually as your circumstances change. A speeding violation will disappear from your record over time, and credit ratings can change even more frequently.

Why Car Insurance Rates Vary in Nevada

Insurers take many factors into account when determining rates, all based on data that helps them determine the likelihood drivers will be making claims. One of the most obvious of these is the number of other cars and drivers on the road around you, and historical data on the number of collisions in the area. More densely populated areas with more cars tend to have more claims than those with fewer people. In the case of a major tourist area like Las Vegas, rates are likely to be higher still due to the number of transient and vacationing drivers.

How to Get Cheapest Car Insurance in Nevada

There are faster and easier ways to lower your car insurance rates while you clean up your driving record and credit rating, and they don’t involve moving to a smaller town. Most insurance companies offer discounts for bundling car insurance with another policy, such as homeowners or renters insurance. Discounts may also be available for students who maintain good grades, or for their parents if young drivers are away at school. Some insurance companies offer lower rates for members of certain credit unions or other organizations. And many insurers now offer discounted rates for drivers willing to install a device that tracks their behavior behind the wheel.

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Another easy way to lower premiums is by opting for a higher deductible, which is the amount you pay for expenses after a crash before your insurance kicks in. Always ask your agent about any discounts you may be eligible for, or check company websites.

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Important Laws Around Auto Insurance in Nevada

Nevada requires all drivers to carry proof of insurance in the form of either a printed insurance card or an electronic copy. While only liability insurance is required, the state raised their minimums in 2018, resulting in a rate hike for most drivers. But even so, it’s a good idea to carry full coverage anyway, because the minimum coverage required by the state does not include uninsured motorist coverage or medical coverage for you and family members traveling in your vehicle. Not having both could get expensive following a collision, and fast.

Mandatory insurance coverage must be in place before registering a vehicle, so make sure you’re covered before making a trip to the Department of Motor Vehicles. The name of at least one person listed on the policy must also appear on your vehicle registration.

Nevada also requires that all new residents transfer their car insurance within 30 days of taking up residence, and that all resident car insurance policies are written by an agent and company licensed in Nevada.

Nevada Driving Laws and Punishments

Texting, talking on a handheld phone, and any use of the internet are all forbidden while driving in Nevada. The first offense carries a $50 fine, and a second offense carries a fine of $100 and four points against your license. Third and subsequent offenses are subject to a $250 fine and four additional points. Hands-free phone calls through Bluetooth or a headset are permitted, as is touching the device to initiate or terminate a call. The state does allow exceptions for emergency calls or reporting criminal activity, and allows police, fire, and emergency personnel to use their devices in the line of duty.

Driving with a blood alcohol content of .08 or higher will result in an immediate loss of driving privileges for 90 days in Nevada, and violators are subject to additional penalties upon conviction. The legal limit is .02 for drivers under the age of 21, and .04 for those holding a commercial license. In addition, the vehicles of drivers charged with DUI are subject to having their vehicle impounded. As of October 2018, drivers convicted of DUI may also be required to have an ignition interlock installed on their vehicle.

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Auto insurance coverage is required in Nevada, but coverage for a collision with an uninsured or underinsured motorist is not. Opting for such insurance provides coverage for medical expenses incurred by you and your passengers following a collision with an uninsured or underinsured driver. Penalties for operating an uninsured vehicle range from $250 for a first offense up to $1,750 for a third offense, plus a 30-day license suspension.

Nevada Car Insurance FAQs

Is car insurance required in Nevada?

Yes, but only liability coverage is required. Mandatory coverage requirements are:

  • $25,000 for bodily injury or death of one person in any one accident.
  • $50,000 for bodily injury or death of two or more persons on any one accident.  
  • $20,000 for injury to or destruction of property of others in any one accident.

Which cars are required to be insured in Nevada?

Any vehicle registered in the state of Nevada is required to have at least the state-mandated minimum insurance coverage. If that coverage is dropped for any reason, its license plates must be surrendered to the state.

When should I get car insurance in Nevada?

Because insurance is mandatory, drivers should have coverage in place as soon as they plan to register a vehicle. New residents are required to transfer their driver’s license, car registration, and insurance within 30 days of moving to the state.

What happens if my car is not properly insured in Nevada?

Penalties for operating an uninsured vehicle range from $250 for a first offense up to $1,750 plus a 30-day license suspension for a third offense.

Is Nevada a no-fault state?

No, Nevada is not a no-fault state. That means a driver deemed to be at fault is responsible for all damages following a collision.

Do I need uninsured motorist coverage in Nevada?

Uninsured or underinsured motorist coverage is not required in Nevada, but will provide medical coverage for you and passengers in your vehicle following a collision with an uninsured or underinsured motorist.

Is liability insurance required in Nevada?

Yes, here are the minimum coverages:

  • $25,000 for bodily injury or death of one person in any one accident.
  • $50,000 for bodily injury or death of two or more persons on any one accident.  
  • $20,000 for injury to or destruction of property of others in any one accident.

Does Nevada accept digital insurance cards?

Yes, Nevada accepts both digital and printed proof of insurance. Drivers are required to carry and be prepared to show one or the other at all times while operating a motor vehicle.

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