Compare Rates and Save on Auto Insurance

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The cost of car insurance can vary significantly based on various factors, including your insurer, age, driving record and credit score. Nevada drivers pay an average of $940 for the cheapest full coverage policy from CSAA and up to $3,971 for the same policy from Dairyland, the most expensive provider. Meanwhile, 16-year-old drivers on family plans face higher car insurance rates than adults, at a yearly average of $4,446.

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2023

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Average Car Insurance Costs in Nevada (2023)

In Nevada, the average cost of auto insurance is $1,534. This rate is significantly more expensive than the national average of $1,054 per year for a full coverage policy.

However, rates can vary according to your driver profile. The amount of coverage you choose and your driving history are two of the most significant factors determining premiums. Drivers with a DUI on their record may pay a premium as high as $2,487 yearly for full coverage, while drivers with a speeding ticket will pay an average yearly rate of $2,011.

Driving Record
Annual Premium
Monthly Premium

Clean

$817

$68

Clean

$865

$72

Clean

$977

$81

Ticket

$1,064

$89

Ticket

$1,162

$97

Ticket

$1,234

$103

At-Fault Accident

$1,314

$109

DUI

$1,329

$111

DUI

$1,453

$121

At-Fault Accident

$1,470

$123

At-Fault Accident

$1,479

$123

DUI

$1,492

$124

Clean

$1,534

$128

Clean

$1,560

$130

Clean

$1,895

$158

Ticket

$2,011

$168

Ticket

$2,098

$175

Ticket

$2,375

$198

At-Fault Accident

$2,479

$207

DUI

$2,487

$207

DUI

$2,608

$217

At-Fault Accident

$2,650

$221

DUI

$2,843

$237

At-Fault Accident

$2,852

$238

Why Are Car Insurance Rates Expensive in Nevada?

Nevada car insurance is expensive compared to the national average of $1,054 per year for a full coverage policy. High traffic volumes, dense urban populations and more costly providers are all possible causes of high insurance prices. This state is also known for its high vehicle theft rates, increasing the risk for insurers. Factors like age and driving history can also impact the premiums of each driver in the state.

Average Car Insurance Costs in Nevada by Company

The cheapest car insurance in Nevada will differ depending on your insurer. CSAA is the most affordable minimum coverage auto insurance in Nevada, with an annual premium of around $444 ($940 for full coverage), while Dairyland is at the opposite end of the pricing spectrum, at around $1,899 a year ($3,971 for full coverage).

While full coverage policies in Nevada are typically more expensive than minimum coverage policies, you can find affordable full coverage by shopping around and comparing quotes.

Company
Annual Premium
Monthly Premium

CSAA

$402

$33

Capital Insurance Group

$417

$35

CSAA

$444

$37

State Farm

$477

$40

Capital Insurance Group

$484

$40

State Farm

$506

$42

Nationwide

$535

$45

Nationwide

$548

$46

CSAA

$565

$47

Mercury

$591

$49

State Farm

$617

$51

Progressive

$618

$51

GEICO

$629

$52

Progressive

$635

$53

GEICO

$640

$53

Mercury

$658

$55

GEICO

$695

$58

Progressive

$709

$59

Nationwide

$765

$64

Travelers

$791

$66

Mercury

$806

$67

Farmers

$814

$68

Capital Insurance Group

$815

$68

Country Financial

$827

$69

Travelers

$838

$70

CSAA

$840

$70

Country Financial

$848

$71

Farmers

$860

$72

Capital Insurance Group

$861

$72

State Farm

$884

$74

Travelers

$903

$75

American Family

$938

$78

CSAA

$940

$78

State Farm

$949

$79

American Family

$952

$79

Allstate

$962

$80

Allstate

$974

$81

Farmers

$991

$83

Nationwide

$995

$83

American Family

$1,024

$85

Capital Insurance Group

$1,037

$86

Nationwide

$1,080

$90

Mercury

$1,083

$90

Allstate

$1,088

$91

Kemper

$1,164

$97

CSAA

$1,168

$97

Country Financial

$1,186

$99

Mercury

$1,197

$100

State Farm

$1,200

$100

GEICO

$1,218

$102

GEICO

$1,221

$102

American Family

$1,291

$108

Farmers

$1,293

$108

Farmers

$1,296

$108

Nevada General Insurance

$1,307

$109

Kemper

$1,320

$110

Progressive

$1,335

$111

Progressive

$1,344

$112

American Family

$1,389

$116

Nationwide

$1,412

$118

GEICO

$1,421

$118

Country Financial

$1,468

$122

Travelers

$1,473

$123

Travelers

$1,488

$124

Nevada General Insurance

$1,492

$124

Nevada General Insurance

$1,512

$126

Mercury

$1,525

$127

Allstate

$1,542

$129

Country Financial

$1,550

$129

American Family

$1,553

$129

Farmers

$1,567

$131

Progressive

$1,610

$134

Allstate

$1,621

$135

Capital Insurance Group

$1,691

$141

Travelers

$1,720

$143

Allstate

$1,722

$144

Kemper

$1,768

$147

Dairyland

$1,806

$151

Nevada General Insurance

$1,891

$158

Dairyland

$1,899

$158

Nevada General Insurance

$2,138

$178

Country Financial

$2,149

$179

Dairyland

$2,167

$181

Nevada General Insurance

$2,398

$200

Kemper

$2,598

$217

Kemper

$3,279

$273

Kemper

$3,526

$294

Dairyland

$3,609

$301

Dairyland

$3,971

$331

Dairyland

$4,569

$381

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MONEYGEEK’S NEVADA CAR INSURANCE CALCULATOR

Your insurance company will charge different rates depending on the amount of coverage you choose and your driving record. For an accurate estimate, drivers can use MoneyGeek’s Nevada car insurance calculator.

Average Car Insurance Costs in Nevada by Coverage Level

In Nevada, the average cost of car insurance can range from $869 yearly for the lowest liability-only coverage to $1,930 annually for the most comprehensive coverage. Drivers should know that as you increase your liability limits, your insurance costs will also increase.

Drivers who get comprehensive insurance can expect higher premiums. However, you can lower your full coverage premiums by increasing your deductible.

Average annual car insurance rates by coverage tier

A policy with minimum coverage is the cheapest you can buy in Nevada. It is important to note that, unlike full coverage insurance, these policies have no comprehensive or collision coverage and offer the lowest possible liability limits.

Insurers typically shorten their descriptions of liability coverage to 50/100/50 or 100/300/100. For example, a 25/50/20 insurance policy would include the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Usually, drivers who want to get broader protection can purchase liability coverage ranging up to 300/500/300. These policies protect your car and anyone else involved in an accident.

Average Car Insurance Costs in Nevada by Age

Age is a significant factor when figuring out how much car insurance costs on average in Nevada. Insurance rates for young drivers tend to be higher because insurers perceive them as riskier to insure. The average full coverage premiums for different age groups are as follows:

  • 22–29: $1,895 a year
  • 30–59: $1,534 a year
  • 60 and older: $1,560 a year

People in their 20s tend to pay more for car insurance, while drivers in their 30s through 50s will likely pay similar rates. However, once drivers reach 60, their costs may increase slightly. Premiums for new drivers in their 30s may also be more expensive due to their lack of driving experience.

Age
Annual Premium
Monthly Premium

22-29

$1,895

$158

22-29

$977

$81

30-59

$817

$68

30-59

$1,534

$128

60 +

$1,560

$130

60 +

$865

$72

Average Car Insurance Costs in Nevada for Teens

Teenage drivers in Nevada typically pay much more for car insurance. Average yearly premiums for a 16-year-old male driver buying his own full coverage insurance can be as high as $9,532. However, you can get cheaper insurance by purchasing a family plan to decrease average rates to $4,466 yearly.

The cost of a family plan typically decreases as young drivers age. At 19-years-old, a male driver may pay $3,269 yearly for full coverage and then, at age 22, pay a yearly average of $2,761. Gender is another influencing factor. A 16-year-old female driver will pay $4,117 a year on average, a difference of $349.

Rates for teenage drivers will vary between providers, so shopping around is essential to find the best deal.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$4,117

$343

$8,598

$716

16

$4,466

$372

$9,532

$794

17

$4,045

$337

$6,985

$582

17

$4,433

$369

$7,867

$656

18

$3,255

$271

$5,611

$468

18

$3,513

$293

$6,257

$521

19

$3,072

$256

$3,646

$304

19

$3,269

$272

$3,987

$332

20

$3,096

$258

$3,238

$270

20

$3,392

$283

$3,666

$306

21

$2,640

$220

$2,763

$230

21

$2,737

$228

$2,983

$249

22

$2,662

$222

$2,587

$216

22

$2,761

$230

$2,738

$228

23

$2,729

$227

$2,344

$195

23

$2,869

$239

$2,511

$209

24

$2,647

$221

$2,273

$189

24

$2,688

$224

$2,354

$196

25

$2,240

$187

$1,915

$160

25

$2,306

$192

$2,000

$167

Average Car Insurance Costs in Nevada for New Cars vs. Older Cars

A new car in Nevada costs a yearly average of $1,877 to insure on a full coverage policy, while an older car costs $1,627 a year. That results in a 13% price difference between models.

Actual cash value (ACV) represents how much an insurer has to pay if your vehicle is totaled. Older cars typically come with lower rates due to their lower ACV, as they are less expensive to repair and less likely to be stolen.

If you own a newer car, consider buying full coverage insurance. These policies offer comprehensive protection to protect your vehicle from damage in an accident.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$814

$68

2012 Vehicle

$852

$71

2022 Vehicle

$868

$72

2012 Vehicle

$908

$76

2022 Vehicle

$948

$79

2012 Vehicle

$998

$83

2012 Vehicle

$1,627

$136

2012 Vehicle

$1,657

$138

2022 Vehicle

$1,849

$154

2022 Vehicle

$1,877

$156

2012 Vehicle

$1,968

$164

2022 Vehicle

$2,242

$187

Average Car Insurance Costs in Nevada by Driving Record

Your driving record can dramatically affect your car insurance premiums. The following are average full coverage premiums based on different driving backgrounds:

  • Clean record: $1,534 a year
  • Speeding ticket: $2,011 a year
  • At-fault accident: $2,479 a year
  • DUI: $2,487 a year

Typically, the more severe the traffic violation, the higher your premium increase will be. Different providers will charge varying rates for drivers with histories of violations. Shop around and compare quotes to find the cheapest insurance for drivers with a poor record in Nevada.

Driving Record
Annual Premium
Monthly Premium

Clean

$817

$68

Clean

$865

$72

Clean

$977

$81

Ticket

$1,064

$89

Ticket

$1,162

$97

Ticket

$1,234

$103

At-Fault Accident

$1,314

$109

DUI

$1,329

$111

DUI

$1,453

$121

At-Fault Accident

$1,470

$123

At-Fault Accident

$1,479

$123

DUI

$1,492

$124

Clean

$1,534

$128

Clean

$1,560

$130

Clean

$1,895

$158

Ticket

$2,011

$168

Ticket

$2,098

$175

Ticket

$2,375

$198

At-Fault Accident

$2,479

$207

DUI

$2,487

$207

DUI

$2,608

$217

At-Fault Accident

$2,650

$221

DUI

$2,843

$237

At-Fault Accident

$2,852

$238

Average Car Insurance Costs in Nevada by Credit Score

Your credit score is another factor affecting your car insurance costs in Nevada. Average insurance rates for a full coverage policy grouped by the driver’s credit score are as follows:

  • Excellent: $1,104 per year
  • Good: $1,350 per year
  • Fair: $1,590 per year
  • Below fair: $1,799 per year
  • Poor: $2,075 per year

Providers will penalize you for your credit score differently, so we recommend shopping around and comparing quotes to find cheap auto insurance in Nevada for drivers with poor credit.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$569

$47

Excellent

$623

$52

Excellent

$679

$57

Good

$698

$58

Good

$766

$64

Fair

$821

$68

Good

$831

$69

Fair

$894

$75

Below Fair

$930

$77

Fair

$977

$81

Excellent

$986

$82

Excellent

$991

$83

Below Fair

$1,010

$84

Poor

$1,047

$87

Excellent

$1,104

$92

Below Fair

$1,106

$92

Poor

$1,115

$93

Excellent

$1,140

$95

Excellent

$1,198

$100

Good

$1,199

$100

Good

$1,209

$101

Excellent

$1,224

$102

Excellent

$1,268

$106

Poor

$1,273

$106

Excellent

$1,340

$112

Good

$1,350

$113

Good

$1,399

$117

Fair

$1,410

$118

Fair

$1,417

$118

Good

$1,455

$121

Excellent

$1,490

$124

Good

$1,496

$125

Good

$1,554

$130

Fair

$1,590

$132

Below Fair

$1,595

$133

Below Fair

$1,600

$133

Good

$1,635

$136

Fair

$1,641

$137

Fair

$1,714

$143

Poor

$1,755

$146

Fair

$1,763

$147

Below Fair

$1,799

$150

Poor

$1,803

$150

Good

$1,815

$151

Fair

$1,827

$152

Below Fair

$1,852

$154

Fair

$1,927

$161

Below Fair

$1,938

$162

Below Fair

$1,997

$166

Below Fair

$2,063

$172

Poor

$2,075

$173

Poor

$2,079

$173

Fair

$2,139

$178

Below Fair

$2,180

$182

Poor

$2,223

$185

Poor

$2,325

$194

Poor

$2,348

$196

Below Fair

$2,425

$202

Poor

$2,551

$213

Poor

$2,857

$238

Average Car Insurance Costs in Nevada by City

While car insurance rates can vary significantly between states, they can also differ between a state’s cities. The average cost of auto insurance varies based on where you live, with densely populated cities with higher theft rates costing more than rural areas.

Sparks has the lowest average auto insurance rates in Nevada at $1,235 per year for a full coverage policy. Meanwhile, Sunrise Manor has the highest average rates at $2,242 annually.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Enterprise

$2,426

$1,294

Enterprise

$2,003

$1,086

Enterprise

$2,002

$1,134

Henderson

$2,154

$1,153

Henderson

$1,779

$970

Henderson

$1,775

$1,011

Las Vegas

$2,356

$1,262

Las Vegas

$1,944

$1,061

Las Vegas

$1,944

$1,108

North Las Vegas

$2,491

$1,322

North Las Vegas

$2,056

$1,109

North Las Vegas

$2,054

$1,161

Paradise

$2,429

$1,293

Paradise

$2,008

$1,087

Paradise

$2,005

$1,136

Reno

$1,507

$728

Reno

$1,238

$615

Reno

$1,211

$636

Sparks

$1,506

$737

Sparks

$1,235

$621

Sparks

$1,208

$641

Spring Valley

$2,513

$1,341

Spring Valley

$2,072

$1,123

Spring Valley

$2,073

$1,175

Sunrise Manor

$2,717

$1,453

Sunrise Manor

$2,242

$1,217

Sunrise Manor

$2,234

$1,268

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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FAQ About Car Insurance Costs in Nevada

We answered the most frequently asked questions about Nevada auto insurance prices. Your rates may vary depending on your driving profile and location.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.