How to Compare Car Insurance Rates 2024
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Cheapest Car Insurance in Nevada (2024)

Updated on:
Content was accurate at the time of publication.

State Farm is the cheapest car insurance company in Nevada for most drivers, including those with prior traffic violations and young drivers.

Travelers has the cheapest car insurance for Nevada drivers with poor credit or a DUI (driving under the influence) conviction on their records.

Find the Cheapest Car Insurance Quotes in Nevada

Coverage/driver typeCheapest companyAverage annual rate
Full coverageState Farm$1,438
Liability coverageState Farm$753
Young driverState Farm$4,311
Speeding ticketState Farm$1,536
At-fault accidentState Farm$1,676
DUITravelers$2,934
Poor creditTravelers$3,251

State Farm has the cheapest full-coverage car insurance rates in Nevada, offering an average rate of $120 a month.

USAA comes in second, with rates that average $145 a month, but only current and veteran military members and their families can buy USAA insurance.

CompanyAverage annual rate
State Farm$1,438
Travelers$1,995
Progressive$2,259
Geico$2,400
Allstate$2,875
Farmers$4,181
American Family$4,497
AAA$5,243
USAA*$1,735

Full-coverage car insurance typically includes liability, comprehensive and collision coverages. Combined, these coverages protect you from damage to your vehicle and your own injuries, as well as injuries and damage you may cause to others.

State Farm is the cheapest liability car insurance company for most Nevada drivers, charging $63 a month, on average. USAA is even cheaper, but again, only those with military ties qualify.

CompanyAverage annual rate
State Farm$753
Geico$974
Travelers$977
Progressive$978
Allstate$1,538
Farmers$2,015
AAA$2,016
American Family$2,347
USAA*$711

Liability car insurance covers injuries you cause to others in a car accident. It also pays for damage you cause to someone else’s vehicle or property.

It won’t cover your own injuries or damage to your own car. To cover your own injuries, you need health insurance, personal injury protection and/or medical payments coverage.

Another driver’s liability coverage may help, too, if they caused the accident. For damage to your car, you need collision or comprehensive coverage.

State Farm is the best source of cheap car insurance for young drivers in Nevada. It charges $216 a month, on average, for liability coverage and $359 a month for full coverage.

Cheapest liability coverage for teen drivers

CompanyAverage annual rate
State Farm$2,592
Geico$2,856
Travelers$2,994
Progressive$5,333
American Family$6,031
Allstate$6,298
AAA$6,344
Farmers$7,715
USAA*$1,974

Geico has the second-cheapest liability car insurance for most young or teen drivers in Nevada, at an average of $238 a month. Travelers is the second-best option for full coverage, with rates averaging $475 a month.

Cheapest full coverage for teen drivers

CompanyAverage annual rate
State Farm$4,311
Travelers$5,699
Geico$5,996
American Family$10,066
Allstate$11,497
AAA$13,079
Progressive$13,248
Farmers$15,725
USAA*$4,300

Teens and other young drivers pay high car insurance rates because they tend to get into more accidents than do older drivers. Your car insurance rates will go down as you age, though – especially after you turn 25.

Young and teen drivers often pay less for car insurance if a parent adds them to their policy.

Find the Cheapest Car Insurance Quotes in Nevada

State Farm is the cheapest car insurance company in Nevada for drivers with a speeding ticket or similar violation on their records, with an average rate of $128 a month.

The average Nevada driver with a speeding ticket on their record pays $309 a month for full-coverage car insurance. That’s 25% more than a driver with a clean record pays.

CompanyAverage annual rate
State Farm$1,536
Travelers$2,495
Geico$2,895
Progressive$2,980
Allstate$3,200
Farmers$5,215
American Family$6,075
AAA$6,926
USAA*$2,030

For cheap car insurance after an at-fault accident, Nevada drivers should get a quote from State Farm. It charges these drivers $140 a month, on average, for full-coverage policies.

State Farm’s average rate for drivers with an accident on their records is 63% lower than the state average rate of $378 a month.

CompanyAverage annual rate
State Farm$1,676
Travelers$2,759
Progressive$3,361
Geico$3,901
Allstate$3,982
Farmers$6,334
American Family$7,075
AAA$9,364
USAA*$2,346

Travelers has the cheapest car insurance for drivers with a DUI (driving under the influence) conviction in Nevada, at an average rate of $245 a month.

The average Nevada driver with a DUI on their record pays 72% more for car insurance than they would with a clean driving record.

CompanyAverage annual rate
Travelers$2,934
Progressive$3,667
Allstate$3,911
State Farm$4,556
Geico$4,679
Farmers$6,438
AAA$7,425
American Family$8,670
USAA*$3,491

Travelers is the cheapest car insurance company for Nevada drivers with bad credit, with rates that average $271 a month.

Drivers in Nevada with poor credit pay 75% higher car insurance rates than drivers with good credit do, on average.

CompanyAverage annual rate
Travelers$3,251
Progressive$3,655
Geico$3,701
Allstate$5,078
State Farm$6,328
Farmers$6,660
American Family$6,769
AAA$7,725
USAA*$3,637

Drivers with bad credit usually pay higher rates because car insurance companies consider them more likely to file claims. The higher rates help offset their increased risk.

Drivers in Dayton and Fallon pay the lowest car insurance rates among Nevada’s biggest cities. Dayton’s average rate is $170 a month, while Fallon’s is $171.

Winchester drivers pay the highest car insurance rates of the state’s largest cities, at $337 a month, on average.

CityAverage annual rate
Boulder City$2,852
Carson City$2,852
Cold Springs$2,339
Dayton$2,035
Elko$2,160
Enterprise$3,663
Fallon$2,051
Fernley$2,103
Gardnerville Ranchos$2,127
Henderson$3,314
Las Vegas$3,810
Mesquite$2,636
North Las Vegas$3,822
Pahrump$2,873
Paradise$3,810
Reno$2,416
Spanish Springs$2,284
Sparks$2,401
Spring Creek$2,203
Spring Valley$3,893
Summerlin South$3,539
Sun Valley$2,451
Sunrise Manor$3,957
Whitney$3,660
Winchester$4,048

Where you live is one rate factor that affects how much you pay for car insurance. Some other factors that impact what you pay are:

  • Your driving record
  • Your age, gender and marital status
  • The make and model of your car
  • Your insurance claims history

Nevada law requires drivers to have 25/50/20 car insurance at a minimum. This means they need at least these amounts of bodily injury and property damage liability car insurance coverage.

Minimum coverage for car insurance in Nevada

Coverage typeMinimum amount needed
Bodily injury liability (per person)$25,000
Bodily injury liability (per accident)$50,000
Personal property liability$20,000

Although this amount of car insurance meets Nevada car insurance requirements, it may not be enough if you cause an accident that results in major injuries or damage. It also won’t cover damage to your own car.

Methodology

The rates in this article are based on an analysis of auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Nevada (or the U.S., in the case of national averages).

Unless otherwise noted, our sample driver is a single 30-year-old male who owns a 2015 Honda Civic. Our young base driver is an 18-year-old male with a good driving record.

Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by each state.

Full-coverage policies include these coverages, limits and deductibles:

  • Bodily injury liability: $50,000 limit per person/$100,000 limit per accident
  • Property damage liability: $25,000 limit
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: Minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

*USAA is only available to current and former members of the military as well as certain family members.

The average cost of car insurance in Nevada is $1,368 a year if you get just liability coverage. Full-coverage car insurance costs $2,958 a year in Nevada, on average.

These average rates are for a 30-year-old male driver with a clean record and a typical car. You may pay more if you are older or younger or if you have tickets, accidents or DUIs on your record.

State Farm has Nevada’s cheapest car insurance, at $753 a year, on average. This is for liability coverage; if you also buy collision, comprehensive or other types of coverage, you’ll pay more.

State Farm also offers the cheapest full-coverage car insurance in Nevada, with rates averaging $1,438 a year.

Yes, you need at least 25/50/20 liability car insurance to drive legally in Nevada. (See details above.) This coverage protects you if you cause injuries or damage in an accident.