The Best Car Insurance in Nevada

Travelers leads Nevada's car insurance market, offering the best overall value. Progressive, GEICO, Mercury and Farmers complete the top 5.

Find the best car insurance for you in Nevada today.

Written by Mark Fitzpatrick

Updated: December 29, 2025

Advertising & Editorial Disclosure

Quick Take: What Is the Best Car Insurance for Nevada Drivers?

Best Overall and Best for Young Drivers or Those With a Violation: Travelers, 4.87/5 stars
Travelers leads Nevada with perfect affordability and customer experience scores (5/5 each). Full coverage costs $105 monthly and minimum coverage costs $57 monthly. Young drivers pay $228 monthly and drivers with DUI pay $154 monthly. The AM Best A++ rating ensures financial stability and reliable claims payment. Read more

Best Cheap for Drivers With Bad Credit or Low Income: Country Financial, 4.2/5 stars
Country Financial ranks sixth overall but serves Nevada drivers with bad credit or limited income. Full coverage costs $114 monthly and minimum coverage costs $69 monthly. The A+ AM Best rating demonstrates financial stability. Limited agent network and fewer digital tools suit rural areas better than Las Vegas metro. Read more

Best Car Insurance Companies in Nevada

Travelers ranks first in Nevada with perfect affordability and customer experience ratings (5/5 each) at $81 monthly. Progressive places second with strong customer experience (4.6/5) and coverage options (4.8/5) at $122 monthly. GEICO finishes third with competitive rates at $102 monthly. The table shows top-rated car insurance company scores in Nevada based on affordability, customer experience and coverage options:


Travelers	4.86	$81	1	4
Progressive	4.42	$122	2	2
Geico	4.37	$102	7	6
Mercury Insurance	4.32	$114	6	5
Farmers	4.32	$122	9	1

Best Car Insurance in Nevada by Driver Profile

Nevada car insurance matches driver profile with insurer. Travelers wins 10 of 10 driver categories analyzed. The company offers competitive rates and solid coverage across all types.

Best for Young Drivers (16 to 25): Travelers. Young drivers pay $228 monthly for full coverage and $116 for minimum coverage with Travelers. Family plan discounts reduce costs when adding teens to parent policies. Accident forgiveness programs prevent rate spikes during learning years.
Best for Senior Drivers (65+): Travelers. Seniors pay $144 monthly for full coverage and $78 for minimum coverage with Travelers. Age-specific discount programs and defensive driving course credits lower rates. Loyalty discounts increase savings over time for fixed-income drivers.
Best With an At-Fault Accident: Travelers. Travelers charges $143 monthly for full coverage after an accident versus higher rates from insurers penalizing accidents. Accident forgiveness prevents first claims from affecting premiums. Claim support services help drivers navigate recovery smoothly.
Best With a Speeding Ticket: Travelers. Travelers charges $137 monthly with a speeding ticket, applying less severe penalties than competitors. Defensive driving courses reduce points and qualify for better rates. Lower penalties help maintain affordable coverage after minor violations.
Best With Bad Credit: Travelers. Travelers charges $158 monthly for drivers with bad credit versus $200+ at credit-heavy insurers. The company weighs credit factors less when calculating premiums. Rate adjustments appear as credit improves over time.


Young Drivers	Travelers	2	1	4
Adult Drivers	Travelers	1	1	4
Senior Drivers	Travelers	1	1	4
Drivers With An Accident	Travelers	1	1	4
Drivers With A DUI	Travelers	1	1	4
Drivers With A Speeding Ticket	Travelers	1	1	4
Drivers With Bad Credit	Travelers	2	1	4
Drivers With Low Income	Travelers	2	1	4
Drivers With Newer Cars	Travelers	1	1	4
Drivers With Old Cars	Travelers	2	1	4

Best Nevada Car Insurance Reviews

Country Financial and Travelers emerged as the leading car insurance providers in our comprehensive state analysis. Each company delivers distinct advantages for specific driver profiles and coverage needs. Our detailed evaluation examines pricing structures, coverage options and customer service quality for these top-performing insurers:

Best Overall: Travelers

Travelers

Best Overall

MoneyGeek Rating

4.9/ 5

5/5Affordability

5/5Customer Experience

3.7/5Coverage Points

Average Monthly Full Coverage Cost
$105
Average Monthly Minimum Coverage Cost
$57
Agent Service Score
4.2/5
Most Unique Coverage Add-On
IntelliDrive Plus Program

pros
- Ranks first overall among Nevada car insurance providers
- Ranks first for customer experience and service quality
- Ranks first for affordability with competitive premium rates
- Strong financial stability with AM Best A++ rating
cons
- Limited add-on coverage options compared to other major insurers
- Fewer available discount programs than some competitors
Travelers ranks first among Nevada insurers with a 4.87 score. The company achieves perfect affordability and customer experience ratings (5/5 each). Young drivers pay $228 monthly and drivers with violations pay $136 to $154 monthly, both significantly below competitors. The AM Best A++ rating ensures financial stability. Coverage options rank fourth (3.7/5) with fewer add-ons than Progressive or Farmers.
Travelers offers Nevada's most competitive pricing at $105 monthly for full coverage versus $138 to $163 from competitors. Young drivers pay $228 monthly and drivers with violations pay $136 to $154 monthly, both representing significant savings.

Travelers provides safe driver discounts up to 23%, multi-policy bundling savings of 5% to 10%, and IntelliDrive telematics program rewards. Continuous coverage, defensive driving courses and paperless billing add another 10% to 15% in savings.
Travelers achieves a perfect 5.0 customer experience score in Nevada, ranking first among all providers. The mobile app receives strong ratings for claims filing, policy management and digital certificate access, streamlining routine insurance tasks.

Local claims adjusters and 24/7 support respond effectively to Nevada risks like hailstorms and vehicle theft in Las Vegas and Reno. Claims processing averages faster than most competitors, with simple claims resolved within 48 hours through digital-first approach.
Travelers provides standard liability, collision and comprehensive protection, plus add-ons like gap coverage, rental reimbursement and roadside assistance. Flexible deductible options and coverage limits match individual budgets and needs.

For Nevada drivers, comprehensive coverage addresses weather-related risks and higher vehicle theft rates in urban areas. Coverage excludes commercial use for rideshare drivers and independent contractors, requiring separate business policies.

Best for Bad Credit and Low Income: Country Financial

Country Financial

Best Cheap Car Insurance in Nevada

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.3/5Customer Experience

3.7/5Coverage Points

Average Monthly Full Coverage Cost
$114
Average Monthly Minimum Coverage Cost
$69
Agent Service Score
2.5/5
Most Unique Coverage Add-On
Farm Equipment Protection

pros
- A+ AM Best rating demonstrates strong financial stability
- Mobile app offers convenient claims filing and policy management
- Personalized service through local agents in available areas
- Best for rural Nevada drivers with farm property
cons
- Limited agent network and availability throughout Nevada
- Higher premiums for urban Las Vegas drivers
- Fewer coverage options than major national competitors
Country Financial ranks sixth among Nevada insurers but serves drivers with bad credit or limited income. The company achieves strong affordability ratings (4.8/5) at $114 monthly for full coverage and $69 for minimum coverage. The A+ AM Best rating demonstrates financial stability. Limited agent network and fewer digital tools suit rural Nevada better than Las Vegas metro areas where convenience matters more.
Country Financial offers competitive rates for drivers with bad credit, providing full coverage around $140 to $160 monthly for this demographic. Low-income drivers pay minimum coverage around $60 to $80 monthly, making it accessible in the state.

The pricing strategy focuses on straightforward rates without extensive discount programs, benefiting drivers who don't qualify for good driver or bundling discounts. The approach to credit scoring is less punitive than competitors, helping drivers with poor credit histories access coverage.
Country Financial maintains regional focus with local agents serving Nevada communities, providing personalized service for policyholders. The customer service approach emphasizes traditional agent relationships rather than extensive digital tools. Claims processing is straightforward, though response times may exceed larger national carriers during severe weather events affecting Nevada.
Country Financial offers standard liability, collision and comprehensive coverage required in Nevada, along with basic add-ons like roadside assistance and rental reimbursement.

Coverage options are more limited than premium providers but include essential protections for Nevada risks like flash floods and extreme heat damage. Policy flexibility focuses on adjusting deductibles and coverage limits rather than specialty add-ons, keeping costs manageable for budget-conscious drivers.

Rates at the Best Car Insurance Companies in Nevada

Top insurers offer rates below Nevada state averages of $80 for minimum coverage and $152 for full coverage. Travelers offers the lowest premiums at $105 for full coverage and $57 for minimum. Country Financial places second at $114 monthly and American Family third at $134 monthly for full coverage. See our guide to average auto insurance costs in Nevada.


Travelers	$105	$57
Country Financial	$114	$69
American Family	$134	$91
Geico	$138	$65
Mercury Insurance	$151	$77
Farmers	$160	$85
Progressive	$163	$81

Nevada car insurance costs fluctuate based on individual driver profile. Middle-aged drivers with clean records secure the most affordable premiums, while violations and poor credit increase rates substantially. Leading insurers excel in different areas for specific driver types. Review your profile to find your best rate in Nevada.


Drivers With Newer Cars	Travelers	$92	$50
Drivers With Low Income	Travelers	$103	$52
Adult Drivers	Travelers	$106	$57
Drivers With Old Cars	Travelers	$119	$64
Drivers With A Speeding Ticket	Travelers	$137	$69
Drivers With An Accident	Travelers	$143	$73
Senior Drivers	Travelers	$144	$78
Drivers With A DUI	Travelers	$154	$78
Drivers With Bad Credit	Travelers	$158	$81
Young Drivers	Travelers	$228	$116

How to Find the Best Car Insurance in Nevada

Finding optimal car insurance in Nevada means comparing coverage addressing state-specific risks while securing competitive rates.

1
Choose Adequate Coverage
- Nevada minimum requirements: $25,000 per person bodily injury liability, $50,000 per accident, $20,000 property damage. State minimums satisfy legal requirements but won't protect you adequately in serious crashes.
- Most Nevada drivers need 100/300/100 coverage: $100,000 in liability protection shields wages and assets, while comprehensive and collision coverage handles weather damage, flash floods, theft and at-fault accidents. Add uninsured motorist coverage since 12% of Nevada drivers lack insurance. Learn more about how much coverage you need.
2
Secure Better Rates
- Obtain multiple quotes: Comparing at least three quotes identifies which Nevada insurer offers your best rate since pricing varies substantially for identical coverage. See the cheapest companies in Nevada.
- Refine your risk profile: Nevada-approved defensive driving courses earn discounts, and addressing violations quickly reduces long-term rate impacts. Improving your credit score can cut premiums up to 70%.
- Optimize discount opportunities: Good driver savings (10% to 20%) stack with multi-car discounts (10% to 25%), paperless billing (3% to 5%) and automatic payments (2% to 5%). Bundling home and auto insurance adds another 15% to 25% off.

Best Auto Insurance in Nevada: FAQ

Below, our insurance experts tackle the most frequently asked questions about securing affordable car coverage in Nevada:

What's the best comprehensive deductible for Nevada drivers?

Nevada drivers should consider a $500 or $750 comprehensive deductible over $1,000 due to the state's hailstorm risks and wildfire exposure in areas like Reno and Las Vegas. This lower deductible provides better financial protection given Nevada's weather-related vehicle damage. Las Vegas and Henderson residents face elevated auto theft rates, making lower deductibles particularly valuable for theft protection.

Is full coverage the best choice for my older paid-off car in Nevada?

For cars worth under $5,000, dropping comprehensive and collision coverage can save money on premiums. However, if your vehicle is valued at $10,000 or more, maintaining full coverage makes financial sense given Nevada's specific risks like flash flooding, hail damage, and vehicle theft in urban areas like Las Vegas and Reno. If you lack emergency savings, keep full coverage regardless of your car's value to avoid unexpected repair costs.

What is the best Nevada car insurance for customer service?

Travelers tops Nevada for customer service excellence, earning a perfect 5.0 rating.

What is the best car insurance in Nevada for the lowest rates?

Travelers offers the most affordable rates in Nevada. See our analysis of the cheapest car insurance companies in Nevada.

What's the cost of car insurance in Nevada?

Nevada car insurance costs $152 monthly for full coverage and $80 for minimum liability. See the average cost of car insurance in Nevada.

How We Rated the Best Car Insurance in Nevada

We researched more than 70 companies in Nevada, from national to small local providers across all U.S. residential ZIP codes in Nevada. We also analyzed customer reviews, discounts and coverage details to give you a complete picture of each provider's services.

Here's how we score each company in Nevada:

Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Nevada. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We analyzed rates in Nevada by driver profile to make sure you are getting the best rate for your situation.
Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Nevada-specific feedback to get an accurate best score.
Best Coverage options (10% of score): This score considers the breadth of coverage options a company offers and unique coverage features that stand-out.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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