The Best Car Insurance in Nevada
MoneyGeek also analyzed Nevada’s cheapest auto insurance policies to help you find affordable options regardless of service quality.
Best Full Coverage Car Insurance Companies in Nevada: Overall
The best overall car insurance company in Nevada is GEICO.
Our research reveals that Nevada’s two top-rated auto insurance providers overall are:
- GEICO: MoneyGeek score of 86 out of 100 ($1,083 per year)
- State Farm: MoneyGeek score of 83 out of 100 ($1,652 per year)
USAA obtained a perfect score of 5 out of 5 across all our metrics. However, we excluded it from this analysis since it’s only available to active-duty military personnel or veterans.
MoneyGeek evaluated the top car insurance companies in Nevada based on affordability, claims ratings and user satisfaction. If you’re looking for savings, we also researched the cheapest full coverage car insurance in Nevada.
THE TOP CAR INSURANCE COMPANIES IN NEVADA
GEICO ranks first for affordability and is tied for first in claims and financial stability. It is tied for second in user satisfaction. The company offers mechanical breakdown insurance (MBI) coverage as an add-on.
Average Annual Cost: $1,083
GEICO offers mechanical breakdown insurance (MBI) as an add-on. It’s typically cheaper and has better coverage than a dealer’s extended warranty since it covers all parts and systems. It’s available for vehicles that are less than 15 months old and with less than 15,000 miles. It’s a rare coverage that many insurers do not offer.
GEICO also offers accident forgiveness as optional coverage, which ensures your first at-fault accident won’t lead to an increase in your insurance rates. Besides this coverage, the company also offers roadside assistance and rental car reimbursement.
The roadside assistance coverage helps you in case your car breaks down on the road and you’re stranded. It covers the cost of flat tires, towing, jump-starts, etc.
State Farm ranks first for customer satisfaction, and it’s tied for first in claims and financial stability. It ranks third for affordability. Policyholders can opt for rideshare insurance as an add-on.
Average Annual Cost: $1,652
State Farm offers rideshare insurance as additional coverage. This protects rideshare drivers by ensuring all insurance coverages (except for liability insurance) are in effect when your app is turned on. In addition, they also offer roadside assistance coverage, which pays for mechanical labor, towing, delivery of gas and other items during a car breakdown.
With State Farm, you also have an option of adding rental car and/or travel reimbursement coverage to your policy. This coverage will benefit you a lot if your car isn’t driveable for 24 hours due to damage because of a covered accident. It helps you cover the cost of a rental vehicle so you can continue driving for work, school or other everyday tasks.
With an average annual cost of $1,389, Travelers is tied for first in financial stability, ranks second for affordability, is tied for second in claims and comes in last for customer satisfaction. They offer gap insurance as add-on coverage.
Travelers’ gap insurance helps drivers whose vehicle is financed or leased. If your insured car is deemed a total loss, this coverage may pay the difference between the car’s actual cash value and the unpaid balance on your auto loan or lease. Another add-on is accident forgiveness coverage, which forgives one accident within a specified period.
Allstate is tied for first in claims and second for satisfaction and financial stability. At $1,865 annually, it ranks fourth in terms of affordability. This insurer offers custom parts coverage as an add-on for policyholders.
Allstate’s custom parts coverage covers the loss of custom equipment. Items such as special carpeting, bars, height-extending roofs, custom murals, decals and graphics are covered. Allstate also offers portable electronics and media coverage, which covers tapes, compact discs and other items used with an auto sound system.
With an average annual rate of $2,470, Farmers ranks last for affordability and financial stability, but it’s tied for first in claims and second for customer satisfaction. The company offers glass deductible modification as an add-on.
If you purchase glass deductible modification from Farmers, you can reduce your deductible to $100 if the loss is restricted to glass. You can even choose a $0 deductible if you opt for the insurer’s “full windshield and glass coverage.” That said, you must have comprehensive insurance to purchase this add-on.
MoneyGeek collected full coverage policy quotes for a sample driver across Nevada to determine the state’s best full coverage policies. Our team also gathered claims ratings and user satisfaction scores from J.D. Power and the National Association of Insurance Commissioners (NAIC). Rates in Nevada differ greatly depending on your background and other factors. To know more about our sample driver, policy, and assumptions, you can read MoneyGeeks’ methodology.
MoneyGeek's Nevada Car Insurance Resources:
Best Car Insurance in Nevada for Customer Service
According to our research, the car insurance provider in Nevada with the best customer service is State Farm.
Prices aside, the following auto insurers offer the best customer service:
- State Farm: MoneyGeek score of 91 out of 100
- Liberty Mutual: MoneyGeek score of 85 out of 100
MoneyGeek evaluated the top car insurance companies in Nevada based on claims ratings and user satisfaction.
THE TOP TWO CAR INSURANCE COMPANIES IN NEVADA FOR SERVICE QUALITY
State Farm ranks first in customer satisfaction and is tied for second for claims. However, Allstate’s auto insurance policies can be expensive, so you may need to pay extra for outstanding customer service.
State Farm has a high customer satisfaction score, which is important as you will likely contact their representatives in a stressful situation when filing a claim. The company offers rental car reimbursement, an add-on to your policy that covers expenses for rental cars and travel in the event your car is unusable. Additionally, it has a $500 deductible repayment if you are responsible for an accident in your vehicle.
It also provides roadside assistance coverage, which can be helpful if your car breaks down on the road. This coverage can pay for expenses like towing, tire change, fuel delivery or other repairs. However, with this company, you won’t get common coverages like accident forgiveness, new car replacement, gap insurance, deductible modification or better car replacement.
Liberty Mutual ranks first for claims and is tied for second in customer satisfaction, with scores of 4.5 and 4 out of 5, respectively.
Liberty Mutual offers better car replacement coverage as an add-on. If your car is totaled, they will pay for a replacement vehicle that's one model year newer with 15,000 fewer miles. Liberty Mutual also provides original equipment manufacturer coverage, which allows you to replace damaged parts in your car with the highest-quality parts possible. If such parts are unavailable, the company will provide an estimate including reconditioned parts. You can get disability coverage with this company, which can help you get compensation if you are disabled due to a covered accident.
Besides these unique coverages, the company also provides many common coverages like roadside assistance, rental car and travel reimbursement, accident forgiveness, new car replacement, gap insurance and deductible modification.
Best Car Insurance in Nevada for Minimum Coverage
GEICO took the top spot in our research for the best car insurance for drivers in Nevada on a budget.
Nevada’s top car insurance companies for drivers on a budget are the following:
- GEICO: MoneyGeek score of 85 out of 100 ($583 per year)
- State Farm: MoneyGeek score of 82 out of 100 ($893 per year)
MoneyGeek gathered the best rates for drivers looking for car insurance policies that meet Nevada’s minimum coverage requirements. We analyzed offers based on their balance of affordability and customer service.
For drivers solely prioritizing the most affordable policy, MoneyGeek also analyzed the companies offering the cheapest minimum coverage car insurance in Nevada.
MoneyGeek’s Pick: GEICO
An affordable minimum coverage policy, averaging $583 annually
Get a discount if you’ve been accident-free for five years
If you have an airbag, you’re entitled to a discount
MoneyGeek claims rating of 4.0 out of 5
MoneyGeek customer satisfaction score of 4.0 out of 5
Does not offer pay-in-full or paperless discounts
GEICO also offers a discount when you bundle your car insurance policy with your home, renters, condo or mobile home insurance. You’re entitled to a discount if you insure more than one car, too. Besides these discounts, the company also offers you a safe driving discount, which means you can save on your premium if you haven’t been involved in an accident for five years.
Further, GEICO discounts policyholders with security features on their cars. Daytime running lights and an anti-theft system will result in savings on your car insurance premiums. Some other security features that can help you get this discount are anti-lock brakes and airbags. You can also save on your policy if you are a federal employee.
Best Car Insurance in Nevada for Young Drivers and Students
For young or student drivers in Nevada, Allstate is the best option based on our research.
Among the car insurance companies in Nevada, the following are the top picks for young drivers in this state:
- Allstate: MoneyGeek score of 87 out of 100
- GEICO: MoneyGeek score of 69 out of 100
In this analysis, we reviewed rates for those in their late teens or early 20s, as well as those in high school or college.
MoneyGeek reviewed Nevada’s best auto insurance for first-time drivers, as well as for young and student drivers. In this analysis, we considered the affordability and customer service rating of policies.
We also researched the companies offering the cheapest car insurance in Nevada for young drivers and students for drivers looking to save money.
MoneyGeek’s Pick: Allstate
Policy for young drivers has a reasonable average cost of $3,413
Offers distant student, good student and driver’s education discounts
Claims rating score of 4 out of 5
User satisfaction score of 4 out of 5
Policies can get expensive if purchased separately
Car insurance for younger drivers is expensive. Despite that, Allstate provides fairly priced car insurance policies for students, and the company has very good customer service. It’s important that an insurer provides strong support since younger drivers are more likely to file claims due to their inexperience behind the wheel.
The distant student discount is applicable for a student who is attending school 100 miles away from home. Students who complete the teenSMART driver education program are also eligible for a discount. If you’re a student getting good grades, you can also qualify for a discount with this company.
Best Car Insurance in Nevada for Seniors
MoneyGeek ranked the insurance companies providing the best car insurance for seniors based on their policy cost and customer service. If you’re a senior driver, the following companies might suit you best:
- State Farm: MoneyGeek score of 89 out of 100 ($1,604 per year)
- GEICO: MoneyGeek score of 88 out of 100 ($1,309 per year)
These insurers offer a great balance between affordability and customer service. If you prioritize saving money on your policy, MoneyGeek also analyzed cheap car insurance companies for seniors in Nevada.
MoneyGeek’s Pick: State Farm
One of the most affordable companies for seniors at $1,604 per year
Offers roadside assistance and rental car and/or travel reimbursement coverage
Provides defensive driving discount
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 5 out of 5
Doesn’t offer a senior driver discount
Although you will have to pay higher rates for a car insurance policy as a senior, you can benefit significantly from State Farm’s policies. The company offers a balance between costs and service quality.
State Farm offers various coverages to its policyholders, including rideshare insurance, rental car and/or travel reimbursement and roadside assistance. The company’s rental car and/or travel reimbursement coverage will help you cover the cost of the rental vehicle, travel expenses and repayment of deductible in case of an accident in your rental car.
The company also offers many discounts, including the defensive driving discount. It helps lower your premiums if you complete a driver’s education course. However, it doesn’t provide a specific discount to senior drivers.
Best Car Insurance in Nevada for Bad Driving Records
If you are a driver in Nevada with a poor driving record, State Farm is the best insurer.
Based on MoneyGeek’s analysis, these companies are the best auto insurance providers for drivers in Nevada with bad records:
- State Farm: MoneyGeek score of 89 out of 100 ($1,902 per year)
- GEICO: MoneyGeek score of 83 out of 100 ($1,819 per year)
MoneyGeek reviewed the best car insurance companies in Nevada for drivers with at-fault accidents on their records. We evaluated policies based on their affordability and customer service.
If you’re primarily concerned about cost, MoneyGeek also analyzed the cheapest car insurance in Nevada for those with a DUI or bad record.
MoneyGeek’s Pick: State Farm
An affordable full coverage policy for drivers with poor driving records at $1,902 per year
Offers roadside assistance and rental car reimbursement coverages
MoneyGeek claims rating of 4 out of 5
MoneyGeek satisfaction score of 5 out of 5
Does not offer accident forgiveness, new car replacement or better car replacement coverages
State Farm offers one of the best policies for drivers in Nevada with a poor driving history, which means it’s the ideal option if you have a DUI, at-fault accident or speeding ticket on your record.
The company charges an average of $1,902 per year for a policy. MoneyGeek found that it has outstanding customer service, as State Farm scored 5 out of 5 for user satisfaction. It also scored 5 out of 5 for claims, which shows the company processes claims quickly and fairly.
State Farm offers the following coverages:
- Roadside assistance: Pays for expenses on towing and other labor charges if your car breaks down.
- Rental car reimbursement: Covers expenses for car rental, meals, lodging and transportation if you cause an accident in your rental car.
Best Car Insurance in Nevada for a Military Background
MoneyGeek’s scoring system ranks USAA as one of the best car insurance companies in Nevada. It scored a perfect 100 out of 100 across all metrics, beating GEICO and State Farm.
USAA offers an attractive combination of affordability, customer service and claims satisfaction. However, it’s only available to current and retired military personnel and their families.
MoneyGeek’s Pick: USAA
An affordable full coverage policy for drivers with military backgrounds at $939 annually
Offers rideshare gap coverage
Offers mileage discount
Claims rating score of 5 out of 5
User satisfaction score of 5 out of 5
Only available to military families
USAA has some of the most affordable car insurance rates and is highly regarded for its customer service. The insurance company also has one of the best reputations among insurers not just in Nevada but across the U.S.
Here are some of USAA’s coverage and discounts:
- Accident Forgiveness Coverage: This add-on option means your car insurance rates will not increase after your first at-fault accident if you’re accident-free for five years.
- Rental Car and/or Travel Reimbursement Coverage: This optional coverage pays for a rental car while your car is in the shop for repairs after a covered loss.
- Military Discount: Get a discount by storing your vehicle on a military base.
- Mileage Discount: Get a discount based on your driving mileage per year.
Best Car Insurance in Nevada for Those With New Cars
According to MoneyGeek’s analysis, Travelers is the best auto insurance company for new cars in Nevada, charging $1,389 per year on average. Its overall MoneyGeek score is 78 out of 100. Our ranking is based on our evaluation of the top car insurance companies in Nevada that offer new car coverages.
New car replacement from Travelers covers the cost of purchasing a new car that’s a similar make and model in case your insured car is totaled. Note that this coverage is an add-on, so you’ll have to pay more to include it in your policy.
MoneyGeek’s Pick: Travelers
Affordably priced at $1,389
Offers new car replacement coverage
Claims rating score of 4 out of 5
Does not offer better car replacement coverage
Customer satisfaction score of 3.5 out of 5
MoneyGeek analyzed several different companies and found that Travelers is the best option for drivers with new cars in Nevada, as it offers new car replacement coverage. This is a rare coverage that many insurers do not offer.
It’s important to understand that any new vehicle depreciates significantly as soon as it’s driven off the lot. With that in mind, Travelers auto insurance for drivers of new cars in Nevada can be beneficial since the insurer offers new car replacement coverage.
If you’re unlucky enough to total your new car in its first five years, Travelers’ new car replacement coverage pays to replace it with a brand new car of the same make and model.
Best Car Insurance in Nevada for Low-Mileage Drivers
MoneyGeek’s analysis found that in Nevada, Nationwide SmartMiles is the best pay-per-mile program, while several other providers offer affordable low-mileage insurance. Many insurance companies are expanding the use of pay-per-mile car insurance to base their insurance rates on a driver’s mileage.
MoneyGeek’s Pick: Nationwide
Offers affordable auto insurance rates for car owners who drive very little
If you’re a regular driver, pay-per-mile can be more expensive than a traditional policy
Nationwide offers an excellent pay-per-mile car insurance policy in Nevada through Nationwide SmartMiles. MoneyGeek’s research shows that this company is the ideal option for drivers looking for a pay-per-mile program in the state.
It charges a base rate and a variable rate depending on how many miles you drive. In addition, the policy offers an exception for road trips and only counts the first 250 miles in a single day. With this program, you have an opportunity of saving money as it offers a 10% discount on your policy if you drive safely.
How to Find the Best Car Insurance in Nevada in For You
You have to consider a number of factors to find the best car insurance in Nevada. As you shop around, look out for an insurer’s affordability, customer service quality, and claims satisfaction.
MoneyGeek has evaluated various providers in Nevada to help you decide. However, you can also assess auto insurance information on your own to see which policy fits your unique needs and requirements.
Research customer service reputations in Nevada
MoneyGeek collected the customer service reputation of various car insurance companies in Nevada. You can look up a company’s J.D. Power satisfaction score and NAIC complaint ratio. You can also visit Nevada’s Division of Insurance to find out more.
Compare quotes for yourself
For this guide, MoneyGeek gathered quotes for a sample driver profile. You can obtain quotes directly from insurance companies to know exactly how much your car insurance rates will be. MoneyGeek recommends that you get at least three quotes before comparing auto insurance offers to make sure you have the best rate.
Make sure the company has coverages you want in Nevada
Carefully study advertisements from insurers — they showcase attractive coverages and discounts that may not be available in your state. Confirm with the insurance provider before buying that the feature you want can be included in your policy.
Double-check financial stability ratings
Take the time to check the financial stability of each insurance company you compare. Larger companies are likely to be more stable compared to regional insurers. An insurance provider’s financial stability can affect their ability to pay out claims and provide services.
FAQs About the Best Car Insurance in Nevada
The best auto insurance in Nevada is the policy that ideally fits your needs. To help you decide, MoneyGeek answered some of the frequently asked questions about car insurance in Nevada.
About Mark Fitzpatrick