Why you should trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

Geico offers the cheapest auto insurance rates in Nevada at about $834 a year or $69 monthly, on average. That’s well below the average Nevada car insurance rate of $1,969 a year.

Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Geico to be the best insurance company in Nevada as well.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive and the coverage you select to determine your annual car insurance rate. 

Read on to compare Nevada auto insurance rates by company, age and more.

Key takeaways

  • Geico is the best car insurance company in Nevada overall, with below-average rates and a low complaint ratio.
  • Geico is the cheapest car insurance company in Nevada at $834 per year.
  • The cheapest rates for teen, adult, and senior drivers in Nevada are all found at Geico. 

Average cost of car insurance in Nevada

The average car insurance rate in Nevada is $1,969 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 $655.

Best car insurance companies in Nevada

Geico is the best car insurance company in Nevada, based on a 2023 analysis by Insurance.com, with an overall rating of 4.95. Auto-Owners is the second-best auto insurance company in Nevada, with an overall rating of 4.77.

Below is a full list of the top Nevada 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.

Best car insurance companies in Nevada
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
GeicoA++$ 8340.774.95
Auto-OwnersA++$ 1,2960.644.77
USAA*A++$ 1,4220.994.64
TravelersA++$ 1,8381.034.44
State FarmA++$ 1,4330.524.43
NationwideA+$ 1,4840.664.38
ProgressiveA+$ 1,6020.734.31
Mercury InsuranceA$ 1,9120.673.88
AllstateA+$ 2,5740.953.83
FarmersA$ 2,1100.773.77
American FamilyA$ 2,3700.573.7
CSAA Insurance (AAA)A$ 3,9470.932.92

USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in Nevada

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. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in Nevada with average rates of $834 annually or $69 a month for full coverage.

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Geico$ 306$ 451$ 834
Auto-Owners$ 424$ 608$ 1,296
USAA*$ 426$ 655$ 1,422
State Farm$ 488$ 714$ 1,433
Nationwide$ 603$ 813$ 1,484
Progressive$ 580$ 793$ 1,602
Travelers$ 665$ 952$ 1,838
Mercury Insurance$ 591$ 936$ 1,912
Farmers$ 787$ 1,219$ 2,110
American Family$ 1,043$ 1,466$ 2,370
Allstate$ 900$ 1,174$ 2,574
Kemper Insurance$ 793$ 1,538$ 2,779
CSAA Insurance (AAA)$ 906$ 1,366$ 3,947

USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in Alabama
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

Most Expensive

Zip CodeCityHighest Rate

Least Expensive

Zip CodeCityLowest Rate

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.

Geico offers the cheapest car insurance for teen drivers in Nevada at $3,168 per year for a full coverage policy.  

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, Geico offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $973 per year and $977 per year, respectively. 

Cheapest car insurance by age in Nevada
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Geico$ 3,168
Teens (16-19)Auto-Owners$ 3,688
Teens (16-19)State Farm$ 3,971
Teens (16-19)Nationwide$ 4,366
Teens (16-19)USAA$ 4,588
Teens (16-19)American Family$ 5,417
Teens (16-19)Travelers$ 6,351
Teens (16-19)Kemper Insurance$ 7,842
Teens (16-19)Allstate$ 8,853
Teens (16-19)CSAA Insurance (AAA)$ 9,111
Teens (16-19)Mercury Insurance$ 9,677
Teens (16-19)Progressive$ 9,930
Teens (16-19)Farmers$ 10,764
Young Adults (20-24)Geico$ 1,310
Young Adults (20-24)USAA$ 2,251
Young Adults (20-24)State Farm$ 2,300
Young Adults (20-24)Nationwide$ 2,404
Young Adults (20-24)Auto-Owners$ 2,476
Young Adults (20-24)Progressive$ 2,796
Young Adults (20-24)Travelers$ 2,828
Young Adults (20-24)American Family$ 3,327
Young Adults (20-24)Allstate$ 3,549
Young Adults (20-24)Farmers$ 4,134
Young Adults (20-24)Kemper Insurance$ 4,354
Young Adults (20-24)Mercury Insurance$ 4,442
Young Adults (20-24)CSAA Insurance (AAA)$ 5,865
Adults (25-55)Geico$ 973
Adults (25-55)Auto-Owners$ 1,286
Adults (25-55)State Farm$ 1,458
Adults (25-55)USAA$ 1,480
Adults (25-55)Nationwide$ 1,507
Adults (25-55)Progressive$ 1,706
Adults (25-55)Travelers$ 1,864
Adults (25-55)Farmers$ 2,140
Adults (25-55)Mercury Insurance$ 2,151
Adults (25-55)American Family$ 2,343
Adults (25-55)Allstate$ 2,586
Adults (25-55)Kemper Insurance$ 2,668
Adults (25-55)CSAA Insurance (AAA)$ 3,734
Seniors (60-75)Geico$ 977
Seniors (60-75)Auto-Owners$ 1,111
Seniors (60-75)State Farm$ 1,406
Seniors (60-75)Nationwide$ 1,411
Seniors (60-75)USAA$ 1,465
Seniors (60-75)Progressive$ 1,746
Seniors (60-75)Travelers$ 1,875
Seniors (60-75)Mercury Insurance$ 2,192
Seniors (60-75)Farmers$ 2,206
Seniors (60-75)American Family$ 2,339
Seniors (60-75)Allstate$ 2,694
Seniors (60-75)Kemper Insurance$ 2,929
Seniors (60-75)CSAA Insurance (AAA)$ 3,346

USAA offers car insurance only to military members, veterans and 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.  

Cheapest car insurance companies for tickets and accidents in Nevada
CompanyClean recordAccidentTicket
Geico$ 933$ 1,878$ 1,680
Auto-Owners$ 1,461$ 2,738$ 1,725
USAA*$ 1,554$ 2,154$ 1,816
State Farm$ 1,736$ 1,944$ 1,874
Nationwide$ 1,768$ 2,627$ 2,310
Progressive$ 1,934$ 3,138$ 2,590
Travelers$ 2,271$ 3,302$ 3,283
Mercury$ 2,402$ 4,809$ 3,542
Farmers$ 2,709$ 3,947$ 3,755
American Family$ 2,785$ 4,074$ 3,134
Allstate$ 2,979$ 4,078$ 3,320
Kemper$ 3,659$ 4,629$ 4,311
CSAA$ 4,635$ 7,525$ 5,971

*USAA offers car insurance only to military members, veterans and their families.


Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.  

Compare auto insurance rates by city in Nevada

Indian Springs
Las Vegas