Average Car Insurance Cost in Nevada (2025)
Drivers in Nevada pay an average of $201 per month for car insurance.
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Nevada has some of the most expensive auto insurance rates in the U.S. The average monthly cost of car insurance in Nevada is $161 for liability coverage and $242 for full coverage.
One reason for the state’s high rates is that roughly 94% of Nevadans live in urban areas — and urban drivers typically pay more for car insurance than rural drivers.1
Nevada drivers have seen significant rate increases since 2023, although premiums are down from their peak in April 2024.
How much is car insurance in Nevada?
Nevadans pay an average monthly premium of $161 — or an annual rate of $1,927 — for liability-only coverage. For full coverage, which includes collision and comprehensive insurance, the average rate is $242 per month, or $2,899 per year.
Keep in mind that these are just averages. Your rate will depend on several factors, including your age and driving habits. Understanding the average cost can help you decide if it’s worth trying to lower your rate.
How Nevada car insurance rates have changed over the past two years
The average price for full-coverage car insurance in Nevada rose to $3,000 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Nevada.
See how Nevada car insurance prices have changed over the past two years below.
Average Nevada car insurance rates by city
Car insurance rates can vary from city to city, even within the same state. The difference is primarily due to rates of vandalism, theft, and accidents. Higher-population areas usually have more of these incidents.
Here’s a quick look at how auto insurance rates vary within the state of Nevada:
Average Nevada car insurance rates by age and gender
Insurance premiums can vary based on your age and gender. For example, young drivers — particularly teenagers — typically get in more accidents than older drivers.
Men generally get in more accidents — and more serious ones — than women. As a result, women typically pay lower rates.
Here are the average rates in Nevada based on age and gender:
Average cost to insure popular vehicles in Nevada
Your car’s make and model can also affect your insurance rate. Different models have different repair costs, theft rates, safety records, and engine sizes.
Tesla’s gigafactory near Lake Tahoe may be one of the reasons why its models are so popular in the state. Here’s a look at the average rate for some of the most popular cars in Nevada:
How your driving record affects car insurance rates in Nevada
Your driving record is another important influence on your car insurance rates. Insurers see high-risk drivers — people with accidents and serious moving violations on their record — as more likely to file claims. High-risk drivers pay more than drivers with a clean record.
It’s also important to note that most violations remain on your record for three years in Nevada — though serious incidents can remain for up to 10 years.2
Among common violations in Nevada, a speeding ticket will increase your rate by the least. But if you get a DUI, you’ll likely see a significant spike in your premiums.
Here’s a quick look at average rates for drivers with incidents on their record:
How to lower your insurance costs in Nevada
Although Nevada drivers pay more for auto insurance than the national average, you can take steps to save money on your car insurance. Here are a few tips to help:
Nevada average car insurance cost FAQs
We’ve answered some common questions about car insurance in Nevada to help you as you consider your options. Check them out below.
Nevada drivers pay an average annual rate of $1,927 for liability-only insurance and $2,899 for full coverage. But your rate will depend on several factors, including your ZIP code, driving record, age, gender, and credit history.
COUNTRY Financial offers the least expensive auto insurance in the Silver State, with an average of $46 per month for liability-only insurance. Shopping around and comparing rates is the best way to get cheap car insurance.
The average monthly premium for Nevadans is $161 for liability-only coverage and $242 for full coverage.
Farmers, Allstate, GEICO, State Farm, and Progressive are some of the best insurers in Nevada, according to Insurify data.
Nevada’s minimum-coverage car insurance requirements include bodily injury coverage of $25,000 per person and $50,000 per accident, and $20,000 in property damage insurance.4 Remember that the minimum liability coverage may not be enough to protect you if you’re in an at-fault accident.
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