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.

Best car insurance in Nevada
Company AM BestAvg. Annual PremiumJ.D. PowerNAICInsurance.com score
State FarmA++$14437830.73.7
TravelersA++$1,9958040.493.59
GeicoA++$1,7088010.913.38
ProgressiveA+$2,4828280.653.1
AllstateA+$2,6147950.653.06
FarmersA$2,3288350.82.97
Mercury InsuranceA$2,1567940.842.71
American FamilyA$2,4297811.12.58
CSAA Insurance (AAA)A$3,6518160.752.52

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.

Cheapest car insurance in Nevada
Company State minimum liability50/100/50 liability100/300/100 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

Average auto insurance rates in Nevada
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
89101 - Las Vegas
For a 30-year-old male
$87 State minimum
$254 Full coverage
$137 Liability only

Most & least expensive ZIP codes for auto insurance in Nevada

Most Expensive

Zip CodeCityHighest Rate
89106Las Vegas$256
89104Las Vegas$255
89030North Las Vegas$255
89158Las Vegas$254

Least Expensive

Zip CodeCityLowest Rate
89406Fallon$127
89701Carson City$127
89445Winnemucca$127
89447Yerington$128

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.

Cheapest car insurance in Nevada by age
Age Company Avg annual premium 
Teens (16-19)State Farm$4,033
Teens (16-19)USAA*$5,488
Teens (16-19)American Family$5,670
Teens (16-19)Geico$5,868
Teens (16-19)Travelers$7,027
Teens (16-19)Mercury Insurance$9,142
Teens (16-19)Allstate$9,842
Teens (16-19)Farmers$10,408
Teens (16-19)Progressive$10,481
Teens (16-19)CSAA Insurance (AAA)$12,911
Young Adults (20-24)State Farm$2,330
Young Adults (20-24)Geico$2,357
Young Adults (20-24)USAA*$2,662
Young Adults (20-24)Travelers$3,162
Young Adults (20-24)American Family$3,477
Young Adults (20-24)Mercury Insurance$3,869
Young Adults (20-24)Farmers$4,059
Young Adults (20-24)Progressive$4,130
Young Adults (20-24)Allstate$4,240
Young Adults (20-24)CSAA Insurance (AAA)$7,813
Adults (25-60)State Farm$1,453
Adults (25-60)USAA*$1,710
Adults (25-60)Geico$1,713
Adults (25-60)Travelers$2,041
Adults (25-60)Mercury Insurance$2,205
Adults (25-60)Farmers$2,228
Adults (25-60)American Family$2,406
Adults (25-60)Progressive$2,469
Adults (25-60)Allstate$2,609
Adults (25-60)CSAA Insurance (AAA)$3,509
Seniors (65-75)State Farm$1,431
Seniors (65-75)Geico$1,731
Seniors (65-75)USAA*$1,772
Seniors (65-75)Travelers$2,127
Seniors (65-75)Mercury Insurance$2,274
Seniors (65-75)American Family$2,451
Seniors (65-75)Farmers$2,466
Seniors (65-75)Progressive$2,515
Seniors (65-75)Allstate$2,682
Seniors (65-75)CSAA Insurance (AAA)$3,660

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 in Nevada for drivers with tickets and accidents
CompanyClean record AccidentSpeeding Ticket
Geico$1,085$2,564$2,515
Auto-Owners$1,445$2,421$1,946
USAA*$1,566$2,541$1,919
State Farm$1,736$2,013$1,874
Nationwide$1,773$2,831$2,113
Progressive$2,111$3,731$2,811
Travelers$2,217$3,403$3,395
Mercury Insurance$2,549$5,541$3,743
American Family$2,740$4,235$3,594
Farmers$2,881$4,433$3,919
Allstate$2,995$4,370$3,388
Kemper Insurance$3,571$4,771$4,303
CSAA (AAA)$4,386$7,937$5,828

*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.

CityAnnual insurance premium
Carlin
$1,703
Elko
$1,712
Henderson
$2,331
Las Vegas
$2,594

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.

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