- Best car insurance companies in Nevada: State Farm
- Cheapest car insurance companies in Nevada: State Farm
- 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 companies in Nevada: State Farm
State Farm is the best car insurance company in Nevada, based on data analysis by Insurance.com, with an overall rating of 3.7. Travelers is the second-best auto insurance company in Nevada, with an overall rating of 3.59.
State Farm, Travelers, Geico, Progressive, and Allstate 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 | Insurance.com score | Average annual premium |
|---|---|---|---|---|---|
| State Farm | A++ | 783 | 0.7 | 3.7 | $1,443 |
| Travelers | A++ | 804 | 0.49 | 3.59 | $1,995 |
| Geico | A++ | 801 | 0.91 | 3.38 | $1,708 |
| Progressive | A+ | 828 | 0.65 | 3.1 | $2,482 |
| Allstate | A+ | 795 | 0.65 | 3.06 | $2,614 |
| Farmers | A | 835 | 0.8 | 2.97 | $2,328 |
| Mercury Insurance | A | 794 | 0.84 | 2.71 | $2,156 |
| American Family | A | 781 | 1.1 | 2.58 | $2,429 |
| CSAA Insurance (AAA) | A | 816 | 0.75 | 2.52 | $3,651 |
Cheapest car insurance companies in Nevada: State Farm
Based on a rate analysis by Insurance.com, State Farm offers the cheapest full coverage car insurance in Nevada with average rates of $1,443 annually or $120 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 |
|---|---|---|---|
| State Farm | $431 | $694 | $1,443 |
| USAA | $482 | $758 | $1,672 |
| Geico | $430 | $791 | $1,708 |
| Travelers | $634 | $926 | $1,995 |
| Mercury Insurance | $631 | $1,018 | $2,156 |
| Farmers | $1,091 | $1,555 | $2,328 |
| American Family | $1,035 | $1,459 | $2,429 |
| Progressive | $625 | $1,071 | $2,482 |
| Allstate | $1,109 | $1,329 | $2,614 |
| CSAA Insurance (AAA) | $867 | $1,277 | $3,651 |
*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 $2,060 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 $720.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Nevada
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 89030 | North Las Vegas | $256 |
| 89102 | Las Vegas | $250 |
| 89115 | Sunrise Manor | $250 |
| 89107 | Las Vegas | $247 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 89406 | Fallon | $138 |
| 89445 | Winnemucca | $139 |
| 89447 | Yerington | $141 |
| 89701 | Carson City | $142 |
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 30/60/25. Nevada’s state minimum liability insurance costs an average of $475 annually or $40 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, Geico provides the cheapest state minimum liability insurance, averaging $386 annually or $32 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 |
|---|---|---|
| Geico | $386 | $32 |
| State Farm | $431 | $36 |
| USAA* | $472 | $39 |
| Mercury Insurance | $594 | $49 |
| Progressive | $609 | $51 |
| Travelers | $651 | $54 |
| Farmers | $1,011 | $84 |
| American Family | $1,050 | $88 |
| Allstate | $1,093 | $91 |
| CSAA Insurance (AAA) | $1,246 | $104 |
*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.
State Farm offers the cheapest car insurance for teen drivers in Nevada at $4,033 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, State Farm offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $1,453 per year and $1,431 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.
| State Farm | $4,840 | $403 |
| American Family | $6,547 | $546 |
| USAA | $7,118 | $593 |
| Geico | $9,604 | $800 |
| Travelers | $10,059 | $838 |
| Mercury Insurance | $12,435 | $1,036 |
| Allstate | $13,823 | $1,152 |
| Progressive | $14,029 | $1,169 |
| CSAA Insurance (AAA) | $14,913 | $1,243 |
| Farmers | $15,259 | $1,272 |
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.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| State Farm | $1,443 | $1,663 | $1,543 |
| USAA | $1,672 | $2,333 | $1,963 |
| Allstate | $2,614 | $3,577 | $2,907 |
| Travelers | $1,995 | $2,802 | $2,923 |
| Farmers | $2,328 | $3,644 | $3,023 |
| Mercury Insurance | $2,156 | $4,003 | $3,031 |
| American Family | $2,429 | $4,060 | $3,107 |
| Progressive | $2,482 | $3,749 | $3,185 |
| Geico | $1,708 | $3,495 | $4,041 |
| CSAA Insurance (AAA) | $3,651 | $6,121 | $4,782 |
*USAA offers car insurance only to military members, veterans, and their families.
Compare auto insurance rates by city in Nevada
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Nevada.
Car insurance premium trends in Nevada
Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.
That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Nevada have increased or decreased from 2020 to 2023.
Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 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:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- 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 Nevada car insurance rates with other states
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