Cheapest Auto Insurance in Nevada (2025)

The average cost of car insurance in Nevada is $162 per month for liability insurance and $243 per month for full coverage, which is much higher than the nationwide monthly averages of $104 and $184.

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.

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 $162 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 $243 per month for full-coverage car insurance. Here are the cheapest full-coverage insurers in Nevada to help you start your search.

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 $162 per month for liability insurance. But drivers with a DUI pay a monthly average of $261.

Here’s how incidents on your record can affect car insurance rates in Nevada.