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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, car insurance is no bargain for Nevada residents. Based on a survey of rates from the ten largest car insurance companies by market share, Nevada residents pay $4,803 per year on average for auto insurance.

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

Company

Average Rate

USAA

$3,069.07

Nationwide

$3,477.14

Geico

$3,662.09

Progressive

$4,062.57

Travelers

$5,360.41

Allstate

$5,371.62

American Family

$5,441.18

Farmers

$5,595.56

State Farm

$5,796.34

Liberty Mutual

$6,201.55

How We Found the Cheapest Car Insurance in Nevada

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60 years. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford-F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150 with annual mileage of 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. The rates shown here are for comparative purposes only. Individual rates will differ.

How Much Does Car Insurance Cost in Nevada

Our study found that car insurance rates for Nevada drivers varied widely, from an average of $3,069 with USAA to more than double that, at $6,202 with Liberty Mutual. There was a wide range of rates between the two, no matter your age, driving record, credit history, and other factors. A company with good rates based on one of those factors may not be such a good deal for other factors. That makes it all the more important to shop around.

Nevada is not alone in having rates that vary by demographic factors, but the differences can be even more dramatic in Nevada than in other states. For example, our study found that an unmarried 17-year old male Nevadan paid a whopping $18,389 annually on average for car insurance with Travelers, while his married 60-year old counterpart paid just $2,042 with the same company. Drivers with a clean record paid $2,526 with Geico, while those with one crash on their record saw rates jump to $4,084.

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Average Annual Car Insurance Rates in Nevada Based on Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$4,551.36

$5,142.41

$5,357.32

$6,435.38

American Family

$4,375.60

$4,802.36

$6,063.18

$6,523.59

Farmers

$4,659.13

$5,605.58

$5,948.44

$6,169.08

Geico

$2,525.79

$3,106.48

$4,083.57

$4,932.52

Liberty Mutual

$4,527.85

$5,744.02

$7,248.04

$7,286.31

Nationwide

$2,790.29

$3,050.46

$3,588.41

$4,479.42

Progressive

$3,385.02

$3,942.74

$4,658.43

$4,264.08

State Farm

$5,265.23

$5,796.33

$6,327.44

$5,796.33

Travelers

$3,833.89

$4,614.16

$5,716.35

$7,277.22

USAA

$2,340.32

$2,643.85

$2,948.75

$4,343.35

We also found that your credit score can have an even bigger impact on rates. Drivers with good credit paid $2,652 on average with State Farm, while the same company charged drivers with poor credit $10,573.

Average Annual Car Insurance Rates in Nevada Based on Credit Score

Company

Good

Fair

Poor

Allstate

$4,202.38

$4,947.65

$6,964.82

American Family

$4,448.08

$5,150.51

$6,724.95

Farmers

$4,952.59

$5,264.54

$6,569.55

Geico

$2,907.94

$3,662.08

$4,416.24

Liberty Mutual

$4,248.88

$5,435.32

$8,920.46

Nationwide

$2,936.93

$3,387.42

$4,107.08

Progressive

$3,733.72

$3,995.93

$4,458.06

State Farm

$2,652.01

$4,164.18

$10,572.81

Travelers

$4,962.59

$5,256.01

$5,862.62

USAA

$2,166.80

$2,647.55

$4,392.85

Where you live in Nevada also has a big impact on car insurance rates. While the study found that residents of Las Vegas paid the highest rates in the state, at $6,548 on average, insurance costs dropped by almost half for residents 400 miles away in Fallon, where the average is $3,411.

Average Annual Car Insurance Rates in Nevada by City

City

Average Rate

Fallon

$3,411.08

Winnemucca

$3,413.48

Lovelock

$3,428.28

Wells

$3,430.06

Elko

$3,451.43

Carlin

$3,456.73

Yerington

$3,465.95

West Wendover

$3,504.32

Ely

$3,518.76

Fernley

$3,553.17

Carson City

$3,719.40

Caliente

$3,789.18

Mesquite

$4,155.23

Reno

$4,208.21

Sparks

$4,248.91

Boulder City

$4,614.02

Henderson

$5,803.78

North Las Vegas

$6,310.63

Las Vegas

$6,548.55

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

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 $3,069 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 nonmilitary families, our survey found that the most affordable alternative was Nationwide, at $3,477 on average. Geico was next at $3,662 annually, followed by Progressive at $4,063. From there, rates went up fast, with Allstate, American Family, Farmers, State Farm, and Travelers all in the mid-$5,000 range annually. Liberty Mutual topped the charts at $6,202 on average.

We found that drivers 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.

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Average Annual Car Insurance Rates in Nevada Based on Coverage Level

Company

Low

Medium

High

Allstate

$4,660.73

$5,458.34

$5,995.77

American Family

$5,166.21

$5,762.82

$5,394.51

Farmers

$5,025.83

$5,526.25

$6,234.60

Geico

$3,254.55

$3,571.14

$4,160.58

Liberty Mutual

$5,630.97

$6,122.72

$6,850.97

Nationwide

$3,398.71

$3,474.81

$3,557.91

Progressive

$3,519.17

$3,904.78

$4,763.75

State Farm

$5,275.62

$5,774.28

$6,339.10

Travelers

$4,820.17

$5,378.22

$5,882.82

USAA

$2,720.76

$3,037.42

$3,449.02

For example, choosing minimum coverage with USAA brought the average annual premium down to $2,720, a roughly $300 savings. With Geico, minimum coverage dropped rates to $3,597, representing less than $100 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.

Annual mileage also made little difference in Nevada insurance rates. Six of the ten insurance companies in our survey charged the same annual premium on average, regardless of whether drivers covered 6,000 or 12,000 miles every year. With USAA, the difference was about $100, while American Family and Geico charged about $150 more for the extra miles. State Farm had the stiffest penalty for drivers traveling greater distances at about $350 per year.

Average Annual Car Insurance Rates in Nevada Based on Miles Driven

Company

6000 miles annually

12,000 miles annually

Allstate

$5,371.62

$5,371.62

American Family

$5,366.53

$5,515.83

Farmers

$5,595.56

$5,595.56

Geico

$3,597.77

$3,726.41

Liberty Mutual

$6,201.55

$6,201.55

Nationwide

$3,477.14

$3,477.14

Progressive

$4,062.57

$4,062.57

State Farm

$5,624.39

$5,968.28

Travelers

$5,360.41

$5,360.41

USAA

$3,028.32

$3,109.81

We found a much more significant difference in rates based on where drivers live within Nevada. Not surprisingly, drivers in more heavily populated cities such as Las Vegas, Henderson, and Sparks had some of the highest average rates in the state, at $6,549, $5,804, and $4,249 respectively. Conversely, smaller communities like Fallon, Winnemucca, and Lovelock were least expensive at $3,411, $3,413, and $3,428.

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 rates in Nevada by about $1,200 for customers of Liberty Mutual, from $4,528 to $5,744. With Farmers, the difference was about $1,000, going from $4,659 to $5,606.

We found that credit score made an even bigger difference in car insurance rates. With Allstate, a driver with good credit paid $4,202 on average, while one with poor credit paid $6,964. With State Farm, average annual rates went from $2,652 to a whopping $10,573.

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.

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Our survey found that Las Vegas has the highest rates in Nevada, with an average annual car insurance rate of $6,549, which is almost double that of far-less-populous Fallon at $3,411 on average. North Las Vegas was a close second, at $6,311. Nearby Henderson and Sparks were also some of the most expensive communities in the state, at $5,804 and $4,249. Not surprisingly, residents of many smaller communities paid rates similar to those of Fallon (the least expensive), including Ely, Yerington, Carlin, Lovelock, Wells, and Elko. All had rates in the mid-$3,400 range.

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.

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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