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Nevada’s Car Insurance State Minimum Requirements, Average Rate, and Other Factors to Help Lower Your Monthly Premium

State of Nevada Minimum Car Insurance Requirements

CoverageNevada Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$15,000 / $30,000$50,000 / $100,000
Property Damage$10,000$20,000
Medical Payments CoverageNot Required$5,000
Uninsured Motorist Bodily Injury CoverageNot Required$50,000 / $100,000
Uninsured Motorist Property Damage CoverageNot Required$20,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

Bodily Injury Liability

Covers hospital costs for the occupants of the other vehicle in the event of an accident.

The minimum liability protection will pay as much as $15,000 for a single person and up to $30,000 for at least one individual concerned in the accident.

inexpensive insurers for a 25 year old driver in Nevada

Note: The average rate for a 25 year old driver in Nevada was $2,030 per year.  Please see table below.

The liability policy covers financial damages for bodily injury and property damage for the other car, its occupants and other property when the insured party is at fault in the event of a car accident.

inexpensive insurers for a 45 year old driver in Nevada

Note: Rates range from $898 (the cheapest) to $1,189 (the highest) for a 45 year old driver. The average rate was $1,550. Savings are over 25% at times. Please see table below.

Property Damage Liability

Pays up to $10,000 for damages to the other driver’s automobile as well as private property like an individual’s home as well as public property like road signs.

The numbers set for the state of Nevada is 15/30/10 each number is in thousands and represents the numbers mentioned above respectfully.

Affordable insurers for a 55 year old driver in Nevada

Note: As illustrated the cheapest insurers were over $200 less than the average rate in Nevada for a 55 year old driver. See table below.

Nevada has higher than average car insurance rates one of reasons is the state has a high volume of tourists each year which increases the amount of accidents.

Other types of insurance you may want to discuss with your agent or broker is comprehensive, collision, Gap, and uninsured motorist protection.

Above average rate for a 25 year old driver

Note: Above is a graph showing the 6th to 12th cheapest auto insurance providers. Not the the top 6 are illustrated. In our study we found Nationwide, State Farm, and Travelers to be relatively inexpensive. See table below.

List of Cheapest Auto Insurers in Nevada

Median below average rate for a 45 year old driver

Note: For a 45 year old driver in Nevada you have over 12 options to find inexpensive quotes. Your rates will vary depending on your driver history and other factors. The table below illustrates the insurer and the rate we were able to query through car insurance quotes.

RankNevada Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Allied$1,214$898$711
2Progressive$1,244$906$712
3Capital$1,256$945$715
4USAA$1,308$1,054$756
5GEICO$1,366$1,167$786
6Allstate$1,422$1,189$813
7Nationwide$1,425$1,233$855
8State Farm$1,578$1,199$906
9Travelers$1,589$1,298$917
1021st Century$1,698$1,301$1,008
11Farmers$1,734$1,333$1,023
12Safeco$1,843$1,378$1,087
13Oregon Mutual$1,909$1,398$1,091
14Hartford$1,998$1,439$1,078
15Encompass$2,134$1,589$1,090
16MetLife $2,145$1,689$1,149
17Liberty Mutual$2,167$1,765$1,276

Median below average rate for a 55 year old driver

Get Available Discounts

If you are comparing quotes be sure to find about available discounts offered in the state of Nevada which can include:

  • Students with good grades can receive a discount

  • Low mileage discount

  • If you maintain a good driver record the past three years you qualify for a discount

  • Defensive driving course discounts

  • If you pay the whole premium for the year will cut nearly twenty percent off

Table of Nevada Car Insurance Discounts to Save

By PopularityDiscount AvailableTypical Percentage Discount
1Multi-car10 Percent
2Multi-policy10 Percent
3Anti-theft or security system5 Percent
4Good student5 Percent
5Driver eduction10 - 15 Percent
6Safety course10 - 20 Percent
7VIN “etching” discounts*5 Percent

Best car insurance discounts in Nevada and when combined.

The state of Nevada has increasing medical costs so carrying more than the minimum coverage is always good idea. Autoinsuresavings wants you to have the same level of protection for your vehicle and paying less for the same coverage.

Once you enter your zip code at the top then you will be able to compare three or more quotes, talk to an agent if you want, or request an agent to call you. There more you research for available options the higher likelihood you are going to get reduced car insurance rates.

You want to make sure you are getting the best cover at the lowest price possible and insurance firms are competing for your business.

If you are not happy with the cheap car insurance quotes you can come back and compare as many quotes on our system to find the policy that fits within your budget plus giving you the same or more protection.

On average, the driver who compare five or more quotes saves up to thirty percent or more on car insurance.

Insurance Resources & DMV Nevada Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
2501 E Sahara Ave # 302, Las Vegas, NV 89104
(702) 486-4009
123 E Washington Ave # C, Las Vegas, NV 89101
(702) 385-6500
2621 E Sahara Ave, Las Vegas, NV 89104
(702) 486-4368
WebsiteWebsiteWebsite

Local Car Insurance Agents in Nevada & Average Rate

CityAverage RatePercentage Change VS. State AverageCityAverage RatePercentage Change VS. State Average
Blue Diamond$771-14%Mesquite$779-14%
Boulder City$779-14%Minden$799-14%
Carson City$771-14%Mt Charleston$889-17%
Cold Spring$809-15%North Las Vegas$777-14%
Dayton$777-14%Pahrump$809-15%
Elko$738-14%Reno$765-14%
Enterprise$843-16%Spanish Springs$763-14%
Fallon$769-14%Sparks$769-14%
Fernley$732-14%Spring Creek$821-15%
Goodsprings$821-15%Stateline$834-16%
Henderson$789-14%Sun Valley$856-16%
Incline Village$867-16%Winchester$887-17%
Las Vegas $779-14%Zephyr Cove$895-17%

Las Vegas, NV

Cheapest insurance companies in Las Vegas, NV

 

Las Vegas is the most famous resort and gambling city in the U.S. It is such a gambling city that a hospital had to suspend workers betting on when patients would die.

Established in 1905 and sprung up around the Union Pacific Railroad tracks, the city established itself as having some of the most beautiful hotels in the world. Sin City is making an attempt to revitalize the downtown area to make it a “little” more appealing and family friendly.

For the cheapest rates in Las Vegas, Progressive, USAA, and Capital are the three best. If you aren’t former military then GEICO should be on your list to save.

The average rate for drivers in Las Vegas is over $1,800 per year. If you shopped for quotes diligently you should be able to save 15 – 20 percent. Apply discounts then you could save 25 percent.

Las Vegas Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$1,302$1,007
USAA$1,366$1,009
Capital$1,398$1,122
GEICO$1,455$1,167
Allied$1,467$1,189
Allstate$1,487$1,199
State Farm$1,521$1,236
Nationwide$1,689$1,276
21st Century$1,799$1,299

Henderson, NV

Cheapest insurance companies in Henderson, NV

With nearly 300,000 people in Henderson it has stood the test of time being one of the safest, family friendly cities in the state.

Home to Lake Las Vegas, which most out-of-towners believe is in Las Vegas and not Henderson, is surrounded by desert.

The city is has produced many wonderful stars and professional athletes. Forbes has rated Henderson one of the top places to live a few times.

The lowest rates we were able to query were from Progressive, GEICO and USAA in Henderson, Nevada. Capital, Allied, and State Farm round out the next three.  

The average rate for a 30 year old driver is nearly $2,000 per year. Our top three contenders would save you nearly 25% on your auto insurance. Any on our list would help you save at least 10%.

Henderson Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$1,344$722
USAA$1,347$744
GEICO$1,376$746
Capital$1,398$788
Allied$1,421$804
Allstate$1,422$811
State Farm$1,498$899
Nationwide$1,577$907
21st Century$1,601$953

Reno, NV

top 6 affordable auto insurance companies in Reno, NV

Reno, Nevada has beautiful Spanish architecture throughout the city. This can be seen at the McKinley Arts & Culture Center which one of the two remaining buildings from the Spanish Quartet. Mt. Rose Elementary School is the other remaining building.

The fastest way for residents of Reno, Nevada can save on car insurance is to compare the insures we queried ourselves. Progressive, GEICO, and Capital were the three lowest auto insurance providers.

The average rate for a 30 year old driver in Reno is $1,500 and for a 45 year old driver it is over $1,000 per year. By comparing, you should be able to find savings of at least 10 percent. Then diligently find discounts and save more.

Reno Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$1,216$722
GEICO$1,311$812
Capital$1,328$822
USAA$1,345$890
Allied$1,456$900
Allstate$1,477$950
State Farm$1,465$968
Nationwide$1,498$1,007
21st Century$1,625$1,009

Paradise, NV

top 6 affordable auto insurance companies in Paradise, NV

Paradise is in the southern part of Las Vegas and known as Paradise Valley. If it was incorporated as a city it would be the 4th largest city in the state.

Although contrary to the rest of Las Vegas, Paradise has a low poverty rate and the highest per capita income in the state.

In Paradise the average rate for a 30 year old is $1,810 and for a 45 year old is $1,325 per year. With Progressive, GEICO, or Capital you should be able to save nearly 20% on your monthly premium.

If you would like to increase your chances then get quotes from State Farm and Allstate.

Paradise Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$1,214$755
GEICO$1,314$779
Capital$1,321$799
USAA$1,367$814
Allied$1,409$922
Allstate$1,407$954
State Farm$1,411$964
Nationwide$1,416$1,009
21st Century$1,531$1,012

Final Thoughts

The goal of Autoinsuresavings is to help you save money by being resourceful and comparing online car insurance quotes.

Eight minutes of your time could save you hundreds if not thousands of dollars over the next few years.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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