- Best car insurance company in Nevada: State Farm
- Cheapest car insurance company in Nevada: Travelers
- Average cost of car insurance in Nevada
- Nevada car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Nevada
- Cheapest car insurance cost in Nevada by age
- Cheapest car insurance companies in Nevada by driver profile
- Compare auto insurance rates by city in Nevada
- Car insurance premium trends in Nevada
- Methodology
- Compare Nevada car insurance rates with other states
Best car insurance company in Nevada: State Farm
State Farm is the best car insurance company in Nevada, based on our latest data analysis, with an overall rating of 4.47. GEICO is the second-best auto insurance company in Nevada, with an overall rating of 4.24.
American Family, Travelers, Progressive, Allstate, Farmers and CSAA Insurance (AAA) are the top Nevada auto insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| State Farm | A++ | 646 | 0.79 | $1,443 | 4.47 |
| GEICO | A++ | 618 | 0.69 | $1,708 | 4.24 |
| American Family | A | 656 | 0.34 | $2,429 | 4.21 |
| Travelers | A++ | 565 | 0.52 | $1,995 | 3.88 |
| Progressive | A+ | 614 | 0.71 | $2,482 | 3.76 |
| Allstate | A+ | 633 | 1.1 | $2,614 | 3.57 |
| Farmers | A | 599 | 0.86 | $2,328 | 3.56 |
| CSAA Insurance (AAA) | A | 683 | 1.05 | $3,651 | 3.37 |
| USAA | A++ | 733 | 1.18 | $1,672 | 4.4 |
Cheapest car insurance company in Nevada: Travelers
Based on a rate analysis by Insurance.com, Travelers offers the cheapest full coverage car insurance in Nevada with average rates of $2,222 annually or $185 a month.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Nevada and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $739 | $1,108 | $2,222 |
| GEICO | $586 | $1,187 | $2,769 |
| American Family | $949 | $1,428 | $2,848 |
| Mercury Insurance | $603 | $1,388 | $3,036 |
| Farmers | $1,305 | $2,283 | $3,712 |
| Progressive | $749 | $1,514 | $3,739 |
| State Farm | $1,250 | $1,948 | $3,875 |
| Allstate | $1,449 | $2,082 | $4,102 |
| CSAA Insurance (AAA) | $1,721 | $2,267 | $7,558 |
| USAA | $540 | $852 | $1,946 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Nevada
The average cost of car insurance in Nevada is $3,284 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Nevada is $908.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Nevada
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Sunrise Manor | $3,144 | $262 |
| Winchester | $3,090 | $258 |
| Spring Valley | $3,007 | $251 |
| Paradise | $2,923 | $244 |
| Whitney | $2,909 | $242 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Winnemucca | $1,033 | $86 |
| Battle Mountain | $1,076 | $90 |
| Imlay | $1,079 | $90 |
| Golconda | $1,080 | $90 |
| Orovada | $1,083 | $90 |
The Nevada Division of Insurance says...
When buying insurance, the Division of Insurance recommends that you seek the advice of a qualified insurance professional. There are three types of professionals that typically sell insurance:
- Independent agents: can sell insurance from multiple unaffiliated insurers.
- Exclusive agents: can only sell insurance from the company or group of companies with which they are affiliated.
- Direct writers: are insurers that do not always use agents as intermediaries; instead, some of their employees are licensed as agents in Nevada and are authorized to sell insurance.
Nevada car insurance requirements
Nevada’s minimum car insurance coverage limits are 25/50/20. Nevada’s state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $908 annually or $76 monthly.
Minimum liability insurance requirements for Nevada:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $20,000 per accident
Cheapest car insurance companies for minimum liability coverage in Nevada
According to Insurance.com, Travelers provides the cheapest state minimum liability insurance, averaging $1,108 annually or $92 monthly. USAA offers cheaper rates but has eligibility criteria.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Nevada.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Travelers | $1,108 | $92 |
| GEICO | $1,187 | $99 |
| Mercury Insurance | $1,388 | $116 |
| American Family | $1,428 | $119 |
| Progressive | $1,514 | $126 |
| State Farm | $1,948 | $162 |
| Allstate | $2,082 | $173 |
| CSAA Insurance (AAA) | $2,267 | $189 |
| Farmers | $2,283 | $190 |
| USAA | $852 | $71 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Nevada by age
In Nevada, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of driving experience.
American Family offers the cheapest car insurance for a 16-year-old driver in Nevada at $9,046 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Nevada, Travelers offers the cheapest car insurance for a 25-year-old driver and a 65-year-old driver at $2,566 per year and $2,106 per year, respectively.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| USAA | $8,397 | $700 |
| American Family | $9,046 | $754 |
| Travelers | $10,222 | $852 |
| State Farm | $13,415 | $1,118 |
| GEICO | $15,057 | $1,255 |
| Progressive | $16,677 | $1,390 |
| Mercury Insurance | $19,446 | $1,621 |
| Allstate | $22,724 | $1,894 |
| CSAA Insurance (AAA) | $24,624 | $2,052 |
| Farmers | $26,043 | $2,170 |
USAA offers car insurance only to military members, veterans anWd their families.
Cheapest car insurance companies in Nevada by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more.
However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Nevada rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Travelers | $2,222 | $3,121 | $3,257 |
| American Family | $2,848 | $4,760 | $3,644 |
| State Farm | $3,875 | $4,466 | $4,143 |
| Mercury Insurance | $3,036 | $5,636 | $4,269 |
| Allstate | $4,102 | $5,614 | $4,562 |
| Progressive | $3,739 | $5,647 | $4,799 |
| Farmers | $3,712 | $5,810 | $4,819 |
| GEICO | $2,769 | $5,667 | $6,551 |
| CSAA Insurance (AAA) | $7,558 | $12,671 | $9,898 |
| USAA | $1,946 | $2,715 | $2,284 |
*USAA offers car insurance only to military members, veterans, and their families.
Compare auto insurance rates by city in Nevada
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Nevada will impact what you pay. Below, we've gathered Nevada car insurance rates by city for comparison.
Car insurance premium trends in Nevada
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Nevada to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Nevada car insurance rates with other states
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