Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 31, 2021

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AutoInsureSavings.org licensed insurance agents reviewed the cheapest car insurance companies in Nevada and found Progressive ($614 per year) has the cheapest rates for minimum liability coverage.

Progressive ($1,513 annually) offers the cheapest insurance in Nevada for drivers with good driving records who need full coverage.

Affordable Nevada Car Insurance Rates

Comparing a car insurance quote from at least three to five insurance carriers is the best way to make sure you find the best deals to save money monthly. 

Cheapest Car Insurance in Nevada - Key Takeaways
AutoInsureSavings.orgThe cheapest Nevada car insurance options are:

Cheapest for minimum coverage: Progressive
Cheapest for full coverage: Progressive
Cheapest after an at-fault accident: State Farm
Cheapest after a speeding ticket: American Family
Cheapest after a DUI: Progressive
Cheapest for poor credit history: State Farm
Cheapest for young drivers: Safeco
For young drivers with a speeding violation: Safeco
For young drivers with an at-fault accident: Safeco
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This guide will take a closer look at car insurance providers and coverage options available to Nevada drivers and help you determine which one is best for your individual needs.

Cheapest auto insurance in Nevada with Progressive, USAA, and American Family compared with average rates.

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Cheapest Car Insurance in Nevada for Minimum Coverage?

Our recent research found the cheapest auto insurer in Nevada for minimum liability insurance requirements is Progressive, which provided our agents a $614 insurance rate for our sample driver.

The average quote is $879 per year, and Progressive’s rate at $614 per year is 31% cheaper, making them the best option for Nevada drivers needing minimum liability insurance. 

InsurerAverage annual rate
Progressive$614
USAA$685
American Family$715
State Farm$727
Safeco$858
Allstate$1,061
GEICO$1,150
Farmers$1,212
Average in Nevada$879
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*USAA is for qualified military members, their spouses, and direct family members. Rates may vary depending on driver profiles.

Military members, their spouses, or family members qualify for cheaper car insurance through USAA. Buying minimum coverage insurance requirements at $685 annually through USAA is 23% less expensive than the state average $879 rate.

Cheapest Full Coverage Car Insurance in Nevada

If you are interested in having extra coverage options in Nevada while you are on the road, the cheapest full coverage rates are with Progressive at $1,513 annually or $126 per month.

Quotes from this car insurance carrier are 30% less expensive than Nevada’s average of $2,140.

InsurerAnnual costMonthly cost
Progressive$1,513$126
American Family$1,680$140
State Farm$1,823$151
Nevada average$2,140$178
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*Your rates may vary when you get quotes.

Full coverage car insurance in Nevada costs more than double the amount that minimum coverage insurance costs.

While many drivers may instantly turn away from taking out full coverage due to the higher car insurance rates, others appreciate the peace of mind and reassurance they receive by having collision and comprehensive coverage along with their liability coverage.

Our agents recommend full coverage insurance in The Silver State to protect your vehicle and the other drivers. Collision coverage pays for damage to your vehicle no matter who is at fault. And comprehensive insurance pays for non-collision damage, such as from hitting a traffic sign or a fallen tree branch. 

Cheapest Car Insurance With a Speeding Ticket in Nevada

The best coverage rate for drivers with one speeding violation in Nevada is American Family (AmFam), which offered us a quote at $1,710 annually or $142 per month for full coverage. The average cost of insurance for Nevadans with a speeding ticket is $2,616, but American Family is $906 cheaper. 

InsurerAnnual costMonthly cost
American Family$1,710$142
Progressive$1,772$147
State Farm$1,916$159
Nevada average$2,616$218
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Traffic tickets will cause your auto insurance rates to increase regardless of coverage levels. In Nevada, most drivers expect rate increases by 19% on average for traffic violations. 

Cheapest Car Insurance in Nevada With a Car Accident

In Nevada, drivers with one at-fault accident on their driving record should consider State Farm, the cheapest insurance company, which provided our insurance agents with a quote at $2,147 annually or $178 per month.

InsurerAnnual costMonthly cost
State Farm$2,147$178
Progressive$2,359$196
Liberty Mutual$2,911$242
Nevada average$3,169$264
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In Nevada, the average cost of car insurance after being involved in an accident is $3,169 per year or $264 per month. State Farm’s rate for those with a car accident is 33% cheaper than average.

Your next cheapest option is Progressive, with a $2,359 rate or $810 less than average.

One at-fault accident on your driving record in Nevada, you can expect your car insurance rates to go up by 43% over three years.

Cheapest Car Insurance With a DUI in Nevada

Nevada’s insurance provider to check out is Progressive for drivers with a DUI during our agent’s research. Progressive’s quote of $2,511 per year or $209 per month is 37% less expensive than average and $433 less than the next best option GEICO Insurance. 

InsurerAnnual costMonthly cost
Progressive$2,511$209
GEICO$2,944$245
American Family$3,558$296
Nevada average$3,960$330
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In Nevada, drivers caught driving under the influence are expected to pay car insurance premiums 49% more than drivers who have clean driving records.

According to Nevada’s Department of Motor Vehicles (DMV), after a DUI, Nevada drivers must attend a MADD Victim Impact Panel, a state-approved alcohol awareness program, participate in community service, and an order from a Judge to install an ignition interlock device (BAIID) in their motor vehicle for three to six months.  

Cheapest Car Insurance For Drivers with Poor Credit in Nevada

According to our analysis, the Nevadan insurance company offering the best rates with poor credit is State Farm.

State Farm’s quote of $2,033 per year is 25% less expensive than the $2,681 average premium. 

InsurerAnnual costMonthly cost
State Farm$2,033$169
GEICO$2,250$187
American Family$2,717$226
Nevada average$2,681$223
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Even if you are a good driver in Nevada, your credit report and score can increase car insurance rates by 32%. That’s because many companies look at a person’s ability to pay off their debts or credit cards to reflect their ability to make their monthly car insurance payments.

Cheapest Car Insurance for Young Drivers in Nevada

Our analysis found that Safeco Insurance is the cheapest insurance company for young drivers in Nevada looking for full coverage insurance. Our insurance agents received a rate of $4,547 annually from Safeco, which is 37% more affordable than Nevada’s state average rate.

Teen drivers looking for affordable minimum coverage in Nevada should consider State Farm ($1,915) and American Family ($1,956). Both auto insurers are 35% cheaper than the average $3,009 Nevada auto insurance rate.

Auto InsurerFull coverageMinimum coverage
Safeco$4,547$2,235
State Farm$4,724$1,915
USAA$4,815$2,178
American Family$5,449$1,956
GEICO$5,933$2,747
Progressive$6,248$3,164
Farmers$7,280$4,230
Allstate$8,157$4,277
Liberty Mutual$8,827$4,515
Nevada average$7,118$3,009
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*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may vary based on the driver’s profile.

Our agents recommend a teen driver in Nevada carry full coverage insurance and be added to an adult or parent’s policy to save the most money. Adding high school or college students to their parent’s policy is $1,400 in annual savings and up to 30% if they qualify for a good student discount.   

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

Young or teen drivers in Nevada who have a speeding violation will find affordable insurance rates with Safeco, which provided us a quote at $384 per month or 44% less expensive than the state average rate.

State Farm proved affordable Nevada insurance with a $435 monthly rate for full coverage for similar driver profiles. 

InsurerAnnual costMonthly cost
Safeco$4,611$384
State Farm$5,230$435
GEICO$6,274$522
Nevada average$8,125$677
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Cheapest Car Insurance for Young Drivers with an Auto Accident

Young Nevadans with an at-fault accident can avoid significant rate increases by getting insurance coverage from Safeco Insurance with a quote at $421 per month or 45% cheaper.

The next best coverage option is State Farm, quoted at a $493 monthly rate or 35% less expensive than a typical rate for a teen driver with a car accident in their driver history.

InsurerAnnual costMonthly cost
Safeco$5,055$421
State Farm$5,918$493
GEICO$6,671$555
Nevada average$9,046$753
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Best Car Insurance Companies in Nevada

AutoInsureSavings.org agent’s survey of car insurance carriers in Nevada found American Family (AmFam) performed the best overall customer service and JD Power claims satisfaction. Other best auto policy options based on customer service are Progressive and State Farm.

We studied data to help you find the best coverage choices and insurance decisions during our analysis of Nevada’s best auto insurers. The data we use is from the National Association of Insurance Commissioners (NAIC), J.D. Power’s customer satisfaction survey, and AM Best financial strength ratings.

InsurerNAIC Complaint Index J.D. Power claims satisfaction score AM Best Financial Strength Rating
American Family0.46862A
Allstate0.63876A+
State Farm0.66881A++
Progressive0.67856A+
USAA0.68890A++
Farmers0.74872A
Liberty Mutual0.85877A
GEICO1.02871A++
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*NAIC complaint index, the lower, the better, JD Power’s claims satisfaction study, the higher, the better, AM Best Ratings, A+ is “excellent,” and A++ is “superior” financial strength.

American Family (0.46) and Allstate Insurance (0.63) perform best with NAIC’s complaint index. Both scored less than the national average of 1.00 with lower than average complaints based on their market share. 

Deciding on the best car insurance company in Nevada is not a simple task. That is because the risk factors that make one car insurance company the best for one driver may make them the worst choice for another. Finding the best auto insurance rates for you will depend on many factors like your age, your driving history, where you live, and your vehicle’s make or model, to name a few. 

A recent insurance survey from ValuePenguin reached similar results for Nevada car insurance carriers. 

Company% respondents extremely satisfied with recent claim% respondents rated customer service as excellent
American Family 86%50%
USAA78%62%
Progressive74%34%
State Farm73%46%
Allstate72%47%
Farmers Insurance71%38%
GEICO64%42%
Liberty Mutual44%32%
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Your best resource for finding the most affordable car insurance rates in Nevada is an insurance quote comparison tool like AutoInsureSavings.org.

Average Car Insurance Costs by City in Nevada

Auto insurers use your zip code to calculate your insurance rate, as well as many other risk factors such as marital status, credit score, type of vehicle, and driving history. Your rates can vary by $447 or more, depending on your zip code in Nevada.

AutoInsureSavings.org licensed insurance agents analyzed cities with the cheapest insurance coverage in Nevada. 

Cheapest Car Insurance in Las Vegas, NV

Las Vega’s cheapest insurance is with Progressive, which provided our agents a $1,739 annual quote or $144 per month with a $500 deductible for comprehensive and collision insurance.

Progressive’s rate is 29% less expensive than the $2,427 Las Vegas average rate. 

Las Vegas CompanyAverage Premium
Progressive$1,739
State Farm$1,860
Safeco$2,033
Las Vegas average$2,427
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Cheap Auto Insurance in Henderson, NV

Henderson’s least expensive auto insurance is with GEICO, which offered us a $1,694 rate for our sample 30-year-old driver with full coverage. GEICO’s quote is 30% cheaper than Henderson’s average rates of $2,390 per year. 

Henderson CompanyAverage Premium
GEICO$1,694
State Farm$1,746
Progressive$1,827
Henderson average$2,390
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Cheapest Auto Insurance in Reno, NV

In Reno, cheaper insurance coverage can be found with American Family, which offered our agents a $1,613 quote for a full coverage policy. American Family’s rate is 34% less expensive than Reno’s average of $2,412 per year. 

Reno CompanyAverage Premium
American Family$1,613
GEICO$1,756
Progressive$1,906
Reno average$2,412
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Cheapest Auto Insurance in North Las Vegas, NV

Affordable insurance coverage in North Las Vegas is with Progressive providing the best rate at $1,739 annually for a full coverage policy. Progressive’s $144 a month rate is 29% less expensive than average for North Las Vegas residents.

North Las Vegas CompanyAverage Premium
Progressive$1,739
State Farm$1,860
Safeco$2,033
North Las Vegas average$2,427
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Cheap Auto Insurance in Paradise, NV

Drivers in Paradise can get cheaper insurance with State Farm, which provided our licensed agents a $1,470 per year rate for a full coverage policy with $100,000 in liability insurance. State Farm’s quote is 33% less expensive than the average $2,173 yearly rate in Paradise, Nevada. 

Paradise CompanyAverage Premium
State Farm$1,470
AmFam$1,515
Safeco$1,648
Paradise average$2,173
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Cheapest Car Insurance in Spring Valley, NV

The most affordable insurance rate our agents found in Spring Valley is Progressive, with a $1,397 per year rate for a policy with collision and comprehensive coverage. Progressive’s quote is 37% less expensive than Spring Valley’s average rate of $2,206 per year.

Spring Valley CompanyAverage Premium
Progressive$1,397
Safeco$1,532
AmFam$1,623
Spring Valley average$2,206
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Cheap Auto Insurance in Sunrise Manor, NV

Sunrise Manor drivers can find the cheapest full coverage insurance policy with Progressive, which offered us a $1,420 annual rate for our sample 30-year-old driver. Progressive’s car insurance rate is $769 less per year than Sunrise Manor’s average of $2,189 per year. 

Sunrise Manor CompanyAverage Premium
Progressive$1,420
Safeco$1,642
GEICO$1,761
Sunrise Manor average$2,189
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Average Insurance Cost for All Cities in Nevada

CityAnnual Premium CostCityAnnual Premium Cost
Las Vegas$2,427Wells$1,889
Henderson$2,390Round Hill Village$2,057
Reno$2,412Stateline$1,897
North Las Vegas$2,427McGill$1,980
Paradise$2,173Caliente$2,055
Spring Valley$2,206Indian Springs$2,067
Sunrise Manor$2,189Beatty$2,045
Enterprise$2,098Wadsworth$2,108
Sparks$2,111Virginia City$2,040
Carson City$2,069Grass Valley$2,077
Whitney$2,081Moapa Town$2,038
Pahrump$1,897Genoa$2,107
Winchester$1,980Fish Springs$2,089
Summerlin South$2,077Osino$2,102
Sun Valley$2,107Eureka $2,133
Elko$2,130Crescent Valley$1,980
Fernley$2,040Carter Springs$2,089
Mesquite$2,038Fallon Station$1,992
Spanish Springs$2,133Zephyr Cove$1,897
Boulder City$2,089Mount Charleston$2,003
Spring Creek$2,018Lakeridge$2,069
Gardnerville Ranchos$1,988Fort McDermitt$2,077
Cold Springs$2,081Blue Diamond$2,040
Dayton$2,000Dyer$2,016
Incline Village$2,069Skyland
Fallon$2,129Searchlight$2,107
Laughlin$1,980Walker Lake$2,038
Winnemucca$2,077Goldfield$1,897
Moapa Valley$2,040Sutcliffe$2,089
Gardnerville$2,003Lamoille$2,102
Indian Hills$1,996Double Spring$1,889
Johnson Lane$2,077Glenbrook$1,980
Lemmon Valley$2,009Nixon$2,121
Silver Springs$2,109Imlay$2,069
West Wendover$2,079Topaz Lake$1,897
Ely$2,119Crystal Bay$2,077
Battle Mountain$1,988Mina$2,081
Nellis AFB$1,980Silver City$2,078
Minden$2,038Humboldt River Ranch$2,136
Yerington$1,889Silver Peak$1,999
Hawthorne$2,089Empire$2,017
Washoe Valley$1,897Ruth$2,110
Kingsbury$2,102McDermitt$1,980
Carlin$2,132Austin$2,040
Tonopah$2,069Cal-Nev-Ari$2,081
Lovelock$2,013Lund$1,988
Stagecoach$2,107Gabbs$2,118
Sandy Valley$2,080Kingston$1,889
Topaz Ranch Estates$2,005Valmy$2,101
Smith Valley$2,040Golconda$1,897
East Valley$2,039Rachel$2,038
Bunkerville$1,980Orovada$2,069
Pioche$2,118Hiko$2,102
Mogul$2,003Montello$2,037
Ruhenstroth$2,081Baker$2,089
Golden Valley$2,098Paradise Valley$1,980
Verdi$2,080Bennett Springs$2,023
Jackpot$2,102Oasis$2,111
Panaca$1,889Logan Creek$1,897
Owyhee$2,069Gerlach$2,080
Alamo$2,038Nelson$2,040
Schurz$1,897Beaverdam$1,889
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Minimum Auto Insurance Requirements in Nevada

Nevada vehicle registration requires all drivers to carry a minimum amount of liability coverage in their car insurance policies. The insurance requirements pay for bodily injury and property damage sustained to other people or motor vehicles, which are:

LiabilityMinimum coverage
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage Liability$20,000 per accident
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We recommend buying uninsured motorist coverage in Nevada since the uninsured motorist rate is 10.6%, according to III.org.

Frequently Asked Questions

Who has the Cheapest Car Insurance in Nevada?

We found the top car insurance companies that offer the lowest Nevada drivers’ average rates are Progressive at $51 per month, USAA at $57 per month, and American Family at $60 a month for a state minimum coverage policy for a 30-year-old with clean driving history.

How Much is Car Insurance in Nevada per Month?

On average, drivers pay around $74 per month for state minimum coverage in Nevada and $178 per month for full coverage insurance. Based on our research, Progressive Insurance ($1,513 per year) is one of the state’s most affordable car insurance companies. Most drivers’ average annual rate is around $879 per year for state minimums and $2,140 annually, including comprehensive and collision coverage.

How Much Is Full Coverage Car Insurance in Nevada?

On average, most drivers in Nevada pay for full coverage insurance is $178 per month or $2,140 per year. Nevada’s top insurance companies that offer the lowest rate for drivers interested in full coverage auto insurance policies include Progressive, American Family, and State Farm. All three insurers provide auto insurance quotes 16% lower than average, depending on your driver profile. 

How do I Save on Car Insurance in Nevada?

There are many things drivers can do to help save money on their car insurance rates in Nevada. First, you will need to compare quotes from multiple insurance providers to find the right company that offers the exact level of coverage in Nevada you need at the most affordable price.

Another thing drivers can do to help them save more on their car insurance rates is ask their auto insurance provider about a money-saving driver discount they may be eligible for. Many companies offer car insurance discounts for drivers who have multiple coverage policies with them or drivers who have no prior accidents or violations on their driving records. Consider Usage-Based car insurance, such a Progressive’s Snapshot program. You can get long-term savings of 20 to 30%, depending on your safe driving habits. 

To learn more and find the best car insurance options in Nevada, contact the experts at AutoInsureSavings.org. Our licensed insurance professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured motorist bodily injury & underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

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We used insurance rates for drivers with accident histories, credit scores, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.

Sources

– Nevada Department of Motor Vehicles. “Insurance Requirements.”
– Nevada DMV. “Reinstatement Fee & Guide.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Insurance Information Institute. “Do insurance premiums go up after a claim?.”
– NOLO. “Nevada Car Insurance Laws.”
– National Highway Traffic Safety Authority. “Traffic Safety Facts.”