Cheapest Auto Insurance in Nevada (2025)
COUNTRY Financial has the cheapest car insurance rates for Nevada drivers, starting from $46 per month.
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The average cost of car insurance in Nevada is $161 per month for liability insurance and $242 per month for full coverage, which is much higher than the nationwide monthly averages of $103 and $182.
Car insurance in Nevada may be more expensive due to the state’s higher-than-normal speed limits on highways and interstates.
Whether you’re a rideshare driver in Las Vegas or a nature lover navigating Nevada’s many mountains, here’s how to find cheap car insurance in Nevada.
Quick Facts
The Silver State is home to Las Vegas, one of the largest tourism destinations in the U.S. Many out-of-town drivers who are unfamiliar with the roads can affect traffic and accident rates.
Nevada drivers pay a yearly average of $2,899 for full-coverage car insurance.
A DUI conviction in Nevada could result in license revocation and an SR-22 insurance requirement for three years.1
3 of the cheapest car insurance companies in Nevada
When shopping for car insurance in Nevada, it’s a good idea to look for companies that can offer specific coverages or discounts that you need, such as rideshare insurance or discounts for student drivers. In most cases, the best car insurance company is the one that caters to your individual situation, driving record, budget, and other needs.
Farmers
Allstate
GEICO
How to get the cheapest car insurance in Nevada
Getting the cheapest car insurance available in Nevada isn’t a one-time exercise. As factors like your driving history and industry trends change, your policy premiums might increase.
Thankfully, you can try to secure the lowest cost car insurance rates possible by following these tips:
Ask about discounts. You may be eligible for discounts for taking a defensive driving course, having certain vehicle safety features, being affiliated with organizations, or getting good grades in school. Call an insurance agent who can help you determine what discounts you can get.
Bundle policies. If you need more than just car insurance in Nevada, consider buying home insurance, renters insurance, or life insurance through the same company you buy auto insurance from. You can typically get a discounted rate on both policies.
Reconsider coverage. Depending on your car’s value, it may be smart to reduce optional coverages. You may also want to consider less coverage if you only drive limited miles.
Compare quotes. Get a Nevada car insurance quote from multiple companies for the same coverage level to better compare auto insurance rates and find the best option for you.
Cheapest liability-only car insurance quotes in Nevada: COUNTRY Financial
Liability-only car insurance in Nevada protects you only when you’re at fault for an accident that caused damages and injuries to others.
Liability car insurance typically meets the minimum auto insurance requirements in a state, so it’s usually the cheapest car insurance policy you can buy and still drive legally. But the minimum required amount of liability coverage may not provide you with adequate financial protection in case of an at-fault accident.
On average, liability-only coverage costs $161 per month in Nevada. Here are the average quotes from Nevada car insurance companies for liability-only coverage.
Cheapest full-coverage car insurance quotes in Nevada: COUNTRY Financial
Technically, there’s no standard full-coverage policy because each insurer offers different types and levels of car insurance coverages. But most insurers that offer full-coverage auto insurance add comprehensive and collision to a liability-only policy, so the driver has coverage for damages to their own vehicle as well as damages or injuries they cause someone else. Full coverage also pays for non-collision incidents, like theft, vandalism, or damage from extreme weather.
Nevada drivers pay an average of $242 per month for full-coverage car insurance. Here are the cheapest full-coverage insurers in Nevada to help you start your search.
Your car insurance rates can change depending on how old you are. Teen drivers pay the most for car insurance because they have the highest risk of getting into an accident. Around age 25, rates usually start to decrease. But rates for senior drivers may increase slightly around age 70 due to age-related risk factors.
You can see how car insurance rates differ for Nevada drivers in various age groups in the table below.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Nevada
Nevada law requires drivers to carry a minimum amount of bodily injury and property damage liability insurance, called 25/50/20, which translates to the following coverages and limits:3
If you want more protection as a Nevada driver, consider adding these optional car insurance coverages:
Cheapest car insurance in Nevada by driving record
You can be a relatively safe driver yet still see your car insurance premium rise due to a single incident. Speeding tickets, at-fault accidents, and convictions for driving under the influence (DUI) signal to your insurer that you were driving in a way that could increase the potential for an accident. Insurers raise your rates to offset this risk.
For example, Nevada drivers with a clean record pay an average of $161 per month for liability insurance. But drivers with a DUI pay a monthly average of $259.
Here’s how incidents on your record can affect car insurance rates in Nevada.
Many factors affect car insurance rates, including your ZIP code. You can see how Nevada car insurance rates vary by city in the table below.
Nevada car insurance FAQs
If you’re a high-risk driver in Nevada, check out Insurify’s guide on the best car insurance companies for your driving record. In the meantime, here are the answers to common questions about Nevada car insurance.
The average cost of car insurance in Nevada is $161 per month for liability insurance and $242 per month for full coverage.
COUNTRY Financial has the cheapest car insurance rates in Nevada, at $46 per month for liability coverage and $62 for full-coverage car insurance.
Nevada drivers can also find cheap rates with State Farm and USAA, which have monthly liability-only rates of $67 and $93, respectively.
A few of the best car insurance companies in Nevada include Allstate, GEICO, Farmers, and USAA. These insurers have plenty of discounts for drivers, strong AM Best ratings, and high Insurify Quality (IQ) Scores.
But the best car insurance company for you depends on your individual needs and budget, so it’s important to compare quotes. Get car insurance quotes from at least three companies to compare and find the best option for you.
No. Nevada isn’t a no-fault state for auto insurance. It’s an at-fault state, which means the driver who caused an accident is responsible for paying for the injuries and damages of other people involved.3
Yes. It’s illegal to drive without insurance in Nevada. Driving without insurance can result in a license and vehicle registration suspension, SR-22 insurance requirement, and a penalty of $250 to $1,750 per uninsured vehicle, depending on the number of past violations.4
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