Best Car Insurance in Nevada for 2024

From cruising the Las Vegas Strip to skiing Lake Tahoe, stargazing in Great Basin National Park, or exploring more than 600 Wild West ghost towns, Nevada has options for people who want to explore by car. However, car insurance in the Silver State tends to be more expensive than in other states, but you can still find some deals.

Key takeaways

• The best car insurance in Nevada is State Farm, which costs $1,221 per year for comprehensive coverage.
• Drivers with a clean driving record pay an average of $152 per month in Nevada.
• Senior drivers in Nevada pay an average of $2,325 yearly for full coverage insurance.

Best car insurance companies in Nevada

In Nevada, full coverage car insurance generally costs an average of $1,829 a year. Drivers who use State Farm may pay significantly less; it averages $1,221 per year. Drivers who use American Family will likely spend a lot more, an average of $2,955 yearly for full coverage.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	879/1,000	$1,295/year	$566/year
State Farm	835/1,000	$1,221/year	$722/year
American Family	828/1,000	$2,955/year	$1,728/year
Progressive	809/1,000	$1,474/year	$984/year
Travelers	806/1,000	$1,727/year	$865/year
GEICO	804/1,000	$1,241/year	$741/year
Allstate	801/1,000	$1,809/year	$1,103/year

USAA: Highest customer satisfaction

USAA earned high customer satisfaction marks on our list of the best car insurance companies, but it is only available to current or former military members and their families. If you qualify, it has standard and some specialty policies. It is also the state’s most affordable minimum coverage option but was not the cheapest for full coverage.

Get a quote now | USAA review

State Farm: Most affordable coverage

In Nevada, State Farm is the lowest-cost option for full coverage and the second lowest cost for minimum insurance. State Farm customers pay an average of $1,221 yearly for full coverage and $722 for the state’s minimum coverage. Even though State Farm had the most affordable policies, it earned second place in customer satisfaction.

Get a quote now | State Farm review

Progressive: Best for lowest deductible

Although Progressive is not the lowest-cost option, it offers a vanishing deductible program and is the lowest-cost option in Nevada with that add-on. If Progressive customers drive without an accident during the policy term, they may be able to reduce their deductible by $50 every six months or $100 once a year if their policy is renewed annually.

Get a quote now | Progressive review

GEICO: Best for high-risk drivers

High-risk drivers in Nevada pay an average of $2,623 annually for full coverage, hundreds more than the state average of $1,829. Drivers with DUIs, speeding tickets, or at-fault accidents on their records may find GEICO’s coverage helpful since it can file SR22 forms with the required state office on your behalf.

Get a quote now | GEICO review

Allstate: Best for multi-driver discounts

Allstate offers a variety of discounts to Nevada drivers, including a 25% discount if you purchase a home and auto policy together. Additionally, Allstate offers discounts for new cars, having the latest safety features on your vehicle, and being a good student. However, it was a more expensive option, charging an average of $1,809 annually for full coverage, compared to the national average of $1,582.

Get a quote now | Allstate review

Nevada auto insurance requirements

Nevada drivers are required to meet the state’s minimum insurance requirements to drive legally:

• $25,000 in bodily liability insurance for one person
• $50,000 in bodily liability insurance for two or more people
• $20,000 for property damage liability

How to choose a car insurance provider in Nevada

When you’re looking for a new car insurance provider, it’s essential to keep a few things in mind:

• Check pricing and discounts: Get quotes from multiple companies to compare pricing and discounts. Ensure the policy amounts and coverage options are similar across all quotes for an accurate comparison, and double-check you’re getting all the discounts you qualify for before you sign up for a policy.
• Check financial stability: Before signing up with a company, check its financial security (and ability to pay claims) on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Nevada Division of Insurance or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed to do business in Nevada.
• Ask for reviews: Check review websites like the Better Business Bureau to see what existing customers say. Ask friends and family for recommendations, and avoid signing up with a company with multiple complaints.

How much does car insurance cost in Nevada?

The average cost of car insurance in Nevada is $1,829 for full coverage and $1,067 for minimum liability insurance. Perhaps unsurprisingly, drivers in Sin City (Las Vegas) tend to pay the most for car insurance, an annual average of $3,032. Drivers in Fernley, about 90 minutes outside Lake Tahoe, only spend an average of $1,770 yearly.

Nevada car insurance rates by city

What you pay for car insurance can be affected by the population and crime rate of where you live. For example, NeighborhoodScout gave Henderson a crime index score of 23, meaning it is safer than 23% of the rest of the U.S., while giving Carson City a 35. 

Comparatively, Henderson pays more for car insurance than Carson City, with an annual average of $2,581 compared to $1,848, likely due in part to the higher crime rates and potential for more claims.

City	Avg. annual full-coverage premium
Las Vegas	$3,032/year
Henderson	$2,581/year
Carson City	$1,848/year
Reno	$1,815/year
Fernley	$1,770/year

Methodology

FAQs about car insurance costs in Nevada