BestCar InsuranceNevadaBest Car Insurance in Nevada (May 2023)
Compare Rates
Ensure you're getting the best rate. Review quotes from a top insurance company.
Capital Insurance Group offers the best car insurance in Nevada for full and minimum coverage policies, young adults, seniors and drivers with violations. Travelers offers the best car insurance for drivers with new cars. USAA is the best option for drivers with a military background.
For those looking for savings, MoneyGeek also ranked the cheapest car insurance in Nevada.
BestCar InsuranceNevadaBest Car Insurance in Nevada
Best Overall - State Farm
Best for Service - American Family Insurance
Best for Minimum Coverage - Capital Insurance Group
Best for Young Adults - Capital Insurance Group
Best for Seniors - Capital Insurance Group
Best for Driving Offenses - Capital Insurance Group
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Nevada
Capital Insurance Group offers the best car insurance in Nevada if you are looking for a full coverage policy.
MoneyGeek’s analysis found that the best companies for car insurance In Nevada are:
- Capital Insurance Group: MoneyGeek score of 92 out of 100 ($1,037 per year)
- Country Financial: MoneyGeek score of 90 out of 100 ($1,550 per year)
Capital Insurance Group ranks best for offering a balance of affordability and customer satisfaction. However, if you are on a budget, MoneyGeek also identified the cheapest full coverage auto insurance in Nevada.
1
Capital Insurance GroupBest Overall
Score:92
Capital Insurance Group ranks highest among providers in Nevada for claims handling and customer satisfaction. This insurer ranks second for affordability, averaging $1,037 per year for a full coverage policy. Capital Insurance Group offers unique coverages, including custom parts insurance.
More About Capital Insurance Group
Capital Insurance has a good track record of claims settlement and customer satisfaction. This insurer also offers unique add-on coverages, including custom parts coverage. This coverage pays for damages to any custom parts or upgrades you have in your vehicle, such as custom wheels, audio systems or body kits. Drivers can also opt for full glass coverage, which pays to repair or replace damaged glass, such as windshields or windows, without charging a deductible.
Although Capital Insurance Group does not offer basic coverage options like rental car or travel reimbursement, it does offer roadside assistance. This insurer is also one of the most affordable for a full coverage policy in Nevada, so policyholders get a good balance of cost and quality service. Among the providers MoneyGeek analyzed, Capital Insurance Group stands out for having the best claims experience and customer satisfaction.
2
Capital Insurance Group
Score:92
Capital Insurance Group ranks highest among providers in Nevada for claims handling and customer satisfaction. This insurer ranks second for affordability, averaging $1,037 per year for a full coverage policy. Capital Insurance Group offers unique coverages, including custom parts insurance.
More About Capital Insurance Group
Capital Insurance has a good track record of claims settlement and customer satisfaction. This insurer also offers unique add-on coverages, including custom parts coverage. This coverage pays for damages to any custom parts or upgrades you have in your vehicle, such as custom wheels, audio systems or body kits. Drivers can also opt for full glass coverage, which pays to repair or replace damaged glass, such as windshields or windows, without charging a deductible.
Although Capital Insurance Group does not offer basic coverage options like rental car or travel reimbursement, it does offer roadside assistance. This insurer is also one of the most affordable for a full coverage policy in Nevada, so policyholders get a good balance of cost and quality service. Among the providers MoneyGeek analyzed, Capital Insurance Group stands out for having the best claims experience and customer satisfaction.
3
Country Financial
Score:90
Country Financial’s full coverage policy costs $1,550 per year on average, making it a relatively affordable option for drivers in Nevada. This provider also scores highly for customer experience, making it the second-best car insurance in Nevada. Policyholders can get unique add-ons, including glass deductible modification.
More About Country Financial
Nevada drivers looking for a combination of quality service and affordability will find that Country Financial scores well in both. You also get a broad set of coverage options, including glass deductible modification, which ensures that your deductible is waived in case of damage to your windows, windshield or headlight covers.
Country Financial offers portable electronics and media devices coverage which will ensure you are covered against loss of items like laptops and other devices in your car. However, this coverage is capped at $800.
Basic coverages like roadside assistance which covers you if you are stranded and need services like towing, tire change or gas delivery are also available. You can also get rental car and travel reimbursement coverage to be compensated in case you have to incur travel expenses while your car is in the shop for repairs.
4
Country Financial
Score:90
Country Financial’s full coverage policy costs $1,550 per year on average, making it a relatively affordable option for drivers in Nevada. This provider also scores highly for customer experience, making it the second-best car insurance in Nevada. Policyholders can get unique add-ons, including glass deductible modification.
More About Country Financial
Nevada drivers looking for a combination of quality service and affordability will find that Country Financial scores well in both. You also get a broad set of coverage options, including glass deductible modification, which ensures that your deductible is waived in case of damage to your windows, windshield or headlight covers.
Country Financial offers portable electronics and media devices coverage which will ensure you are covered against loss of items like laptops and other devices in your car. However, this coverage is capped at $800.
Basic coverages like roadside assistance which covers you if you are stranded and need services like towing, tire change or gas delivery are also available. You can also get rental car and travel reimbursement coverage to be compensated in case you have to incur travel expenses while your car is in the shop for repairs.
How the Best Insurers in Nevada Rank: MoneyGeek Scores and Costs
Moneygeek ranked the best car insurers in Nevada by analyzing 14 providers. Capital Insurance Group ranked highest for claims experience and second for customer satisfaction, earning a MoneyGeek score of 92 out of 100. Country Financial ranked second with a score of 90 out of 100, receiving high scores in affordability and customer satisfaction.
American Family scored highest for coverage options but below average for claims. Kemper and Dairyland are the least affordable options for full coverage, at $2,707 and $3,974, respectively.
Rates in this analysis are for a full coverage policy, and scores were only given to providers with enough data for all individual scoring components.
Best Car Insurance in Nevada for Customer Service
American Family is the best car insurance in Nevada for those who want the best customer service regardless of cost.
The top auto insurers for the best customer experience in Nevada are:
- American Family: MoneyGeek score of 89 out of 100 ($1,389 per year)
- Capital Insurance Group: MoneyGeek score of 88 out of 100 ($1,037 per year)
American Family ranks highest for coverage options and scores highly in customer satisfaction. Although not the cheapest option, American Family is among the more affordable auto insurers in Nevada, offering policyholders great service at reasonable rates.
pros
Relatively cheap
Ranked first for coverage options
Offers Original Equipment Manufacturer (OEM) coverage
cons
Below-average claims rating
COMPANY HIGHLIGHTS
American Family offers a broad set of coverage options and is relatively inexpensive, making it a good choice if you are looking for value for your money. Among the unique add-on coverages available with this insurer is Original Equipment Manufacturer (OEM) coverage. This coverage ensures that any parts damaged during a covered incident are replaced with ones made to the same specifications and standards as the original parts.
American Family also offers Gap Insurance, which will pay for the difference between the actual market value of the car and the amount you owe on it if it’s declared a total loss. This insurer also offers core coverages like roadside assistance and rental car or travel reimbursement, which come in handy when your car breaks down, and you need to cover costs like gas, towing and alternative travel expenses. This broad set of coverage options makes American Family the best-scoring provider in terms of coverage.
What Makes an Insurer the Best for Customer Service?
Auto insurers with good customer service offer prompt resolution of claims and complaints. In case of an accident or incident, you can expect the company to honor its obligations quickly and efficiently.
American Family is number one in Nevada for customer service because it rates well for customer satisfaction and offers all the core coverages. Although Capital Insurance has better customer satisfaction scores, it provides limited coverages compared to American Family.
Best Car Insurance in Nevada for Minimum Coverage
Capital Insurance Group is the best option for minimum coverage car insurance in Nevada. Moneygeek considered affordability and service quality for minimum coverage policies and found that the top two providers are:
- Capital Insurance Group: MoneyGeek score of 93 out of 100 ($484 per year)
- State Farm: MoneyGeek score of 90 out of 100 ($506 per year)
Capital Insurance Group has the most affordable rates and the highest customer satisfaction scores. Cheap minimum coverage car insurance in Nevada is a good option if you are on a budget, but it offers limited liability coverage and has no coverage for damages to your vehicle.
pros
Affordable minimum coverage policies at $484 per year
High scores in claims experience and customer satisfaction
cons
Very limited discounts
Limited coverages
COMPANY HIGHLIGHTS
Capital Insurance Group ranks best for affordability, offering the cheapest rates for minimum coverage in Nevada. This insurer provides the best claims experience and has the highest customer satisfaction scores.
Although Capital Insurance Group lacks most of the common discounts like bundling and safe driving, the low rates for its policies mean that policyholders end up paying less even without multiple discounts. This provider also has a good track record for claims handling, meaning that compared to other insurers, it is more likely to efficiently and quickly honor its obligations when you file a claim.
What Makes an Insurer the Best for Minimum Coverage?
A good minimum coverage policy is affordable and meets the minimum liability requirements set by state laws. It should also offer good service, although there is a tradeoff in some cases.
Capital Insurance Group is our top pick for the best minimum coverage in Nevada, based on its affordability and high customer satisfaction scores. Although State Farm is also affordable, it does not score as well in claims handling.
Best Car Insurance in Nevada for Young Adults
Capital Insurance Group is the best insurer in Nevada for young adults. MoneyGeek evaluated full coverage policies for adults in their 20s, based on affordability and service quality and found that the top providers are:
- Capital Insurance Group: MoneyGeek score of 91 out of 100 ($1,691 per year)
- American Family: MoneyGeek score of 90 out of 100 ($1,553 per year)
Capital Insurance Group had the highest customer satisfaction ratings and scored highly in affordability. Car insurance is cheaper for drivers in their 20s than teen drivers but still more costly than for older drivers. Comparing quotes can help you find cheap car insurance for young adults in Nevada.
pros
Relatively affordable at $1,691 per year
Offers good student discount
Ranks first for claims experience and customer satisfaction
cons
Limited coverages
COMPANY HIGHLIGHTS
If you are looking for a balance of affordability and excellent customer service, Capital Insurance Group is the best option in Nevada. This insurer has the highest ratings for claims experience and customer service and is also relatively inexpensive compared to other providers in the comparison group.
Capital Insurance’s good student discount can help drivers in their 20s who are students save on their rates. This provider offers students who maintain a B or better grade point average discounts of up to 20% on their car insurance premiums.
Young drivers can also get unique coverages from Capital Insurance Group, including OEM coverage, ensuring that any repairs or replacements are done with original manufacturer parts. This insurer also offers auto glass coverage, which covers damaged glass such as windshields, without charging a deductible.
What Makes an Insurer the Best for Young Adults?
A good car insurance policy for young adults will offer a combination of affordable rates, reliable service and discounts.
We picked Capital Insurance Group as the best for young adults in Nevada based on its stellar claims experience, customer service and relatively affordable rates. This provider also offers good student discounts that can help you save even more.
Best Car Insurance in Nevada for Seniors
Capital Insurance Group offers the best car insurance in Nevada for senior drivers. MoneyGeek reviewed providers based on affordability and service quality and found that the best companies for Nevada drivers in their 60s are:
- Capital Insurance Group: MoneyGeek score of 93 out of 100 ($861 per year)
- American Family: MoneyGeek score of 90 out of 100 ($1,291 per year)
Capital Insurance Group has the highest affordability, claims and customer satisfaction ratings. Drivers in their 60s pay similar rates to those in their 30s through 50s, but rates increase after age 70. Comparing quotes can help you find the cheapest car insurance for seniors in Nevada.
pros
Most affordable rates at $861 per year
Offers custom parts coverage
Ranks first for customer satisfaction
cons
Limited coverages
COMPANY HIGHLIGHTS
Capital Insurance Group offers the best balance of affordability and quality service for senior drivers in Nevada. This provider ranked first for affordability, customer satisfaction and claims, making it the top option for those looking for excellent service at cheap rates.
By opting for roadside assistance coverage as an add-on, policyholders can get 24/7 emergency support if their vehicle breaks down. This coverage pays for services like towing, gas delivery or jumpstarting your car.
Capital Insurance Group also offers optional custom parts coverage, which pays for the use of original parts if your car needs repairs after a covered incident. This includes custom additions to your vehicle, such as custom wheels, audio systems or body kits.
What Makes an Insurer the Best for Seniors?
Seniors tend to pay slightly higher rates for car insurance, so a good policy for seniors should combine affordability, good service and coverages like roadside assistance.
Capital Insurance Group rose to the top in this category for its affordable rates and stellar customer service ratings. This provider also offers 24/7 emergency roadside assistance, which can be especially useful for seniors stranded after a car breakdown.
Best Car Insurance in Nevada for Drivers With Offenses
Capital Insurance Group offers the best car insurance in Nevada for drivers with violations. Scores for this category are based on affordability and service quality for full coverage policies for drivers with offenses. The best companies for drivers with violations are:
- Capital Insurance Group: MoneyGeek score of 92 out of 100 ($1,632 per year)
- State Farm: MoneyGeek score of 90 out of 100 ($1,084 per year)
Capital Insurance ranks first for claims and customer satisfaction. In Nevada, drivers pay an average of $805 more for insurance after an at-fault accident, $775 more after a DUI and $388 more after a speeding ticket. Comparing quotes will help you find cheap car insurance after a driving violation in Nevada.
pros
Relatively cheap at $1,632 per year
Offers roadside assistance coverage
Excellent claims experience and customer service ratings
cons
Limited coverages
No accident forgiveness
COMPANY HIGHLIGHTS
If you have a traffic violation in Nevada, Capital Insurance Group is the best option for car insurance. This provider has a stellar customer service record and ranks first for claims experience. Policies for drivers with violations are also relatively affordable, meaning you can get good service at reasonable rates.
Capital Insurance Group offers roadside assistance coverage. If your car breaks down, the insurer will pay for services like towing, gas delivery or jumpstarting your car. However, this provider does not offer rental car reimbursement or gap insurance coverage. Capital Insurance Group also offers optional custom parts coverage, which will reimburse you for loss or damage to any custom parts in your vehicle, such as custom wheels or a custom body kit.
What Makes an Insurer the Best for Drivers With Offenses?
The cost of your car insurance will increase after a violation, so the best policy for drivers with offenses combines affordability and good service.
Capital Insurance Group stands out for having the best claims experience and customer satisfaction ratings among its competitors. Its rates are also relatively affordable, so policyholders get both cheaper premiums and good service.
Best Car Insurance in Nevada for Drivers With New Cars
Travelers is the best car insurance provider in Nevada for drivers with new cars. MoneyGeek based its analysis on affordability, service quality and availability of New or Better Car Replacement coverage for drivers with a 2022 model car.
The top insurers for Nevada drivers with new cars are:
- Travelers: MoneyGeek score of 91 out of 100 ($1,368 per year)
- Farmers: MoneyGeek score of 87 out of 100 ($1,597 per year)
Travelers ranks first for affordability and ties in first for coverage. New Car Replacement coverage is important for drivers with new cars. If your car is totaled or stolen within the first few years, the insurer will replace it with a new car of the same make and model.
pros
Most affordable option at $1,368 per year
Offers new car replacement coverage
High customer satisfaction and coverage ratings
cons
Average claims ratings
COMPANY HIGHLIGHTS
Travelers ranked first for affordability and customer satisfaction, meaning that drivers with new cars can get a balance of quality service and affordability from this provider. This insurer also offers a broad set of coverages, including new car replacement, which is ideal for drivers whose cars are less than five years old.
If your car is less than five years old and is totaled in an accident, new car replacement coverage will pay for a brand-new vehicle of the same make and model. Without this coverage, your insurer will only cover the market value of the damaged vehicle at the time of the loss.
Travelers also offers other optional coverages, including accident forgiveness, which ensures your premiums do not increase after your first at-fault accident.
What Makes an Insurer the Best for Drivers With New Cars?
A good policy for a driver with a new car should include new or better car replacement coverage to ensure that you get a new vehicle of the same or better model in case of total loss.
Travelers stood out in this category for its affordability and excellent customer service. In addition to new car replacement coverage, the company offers accident forgiveness and gap insurance.
Best Car Insurance in Nevada for Military Drivers
USAA is the best car insurance company in Nevada for drivers with a military background. The average cost of a USAA full coverage policy is $910 per year. USAA combines affordable rates and custom coverages for military members, making it the best choice for eligible drivers.
pros
Cheapest rates at $910 per year
Offers accident forgiveness
Ranks first for customer satisfaction
cons
Limited coverages
COMPANY HIGHLIGHTS
USAA has an excellent customer service record and also ranks first for affordability. However, only veterans or current members of the military and their families are eligible for a USAA policy.
USAA offers coverages like accident forgiveness, where if you remain accident-free for five years, you will not face higher premiums after your first at-fault accident. Policyholders can also opt for core coverages like roadside assistance, which covers the cost of services such as towing or gas delivery when your car breaks down. If you opt for rental car or travel reimbursement coverage, USAA will reimburse you for travel expenses incurred while your car is in the garage for repairs.
This insurer offers military discounts to those who garage their vehicles on base. You can also get a loyalty discount if you remain with USAA for a specified period.
How to Find the Best Car Insurance in Nevada for You
When shopping for the best car insurance in Nevada, it is important to consider cost, service track record and financial stability. MoneyGeek has collected this data for you, but you can also conduct your own research by following these steps.
1
Research customer service reputations in Nevada
MoneyGeek collected customer service scores for auto insurance providers in Nevada but you can also look up J.D. Power satisfaction scores and NAIC complaint ratios in your state for the insurers you’re researching. The Nevada Department of Insurance also has useful resources and data on providers in the state.
2
Compare quotes
MoneyGeek’s quotes are averages based on sample drivers in most of Nevada but not everywhere. Car insurance rates typically vary depending on your profile and needs, so it is best to compare quotes from at least three providers to get a good indication of how much car insurance will cost you.
3
Find the coverages you want in Nevada
Insurers may offer some coverage in certain areas and not others, so check that the coverages you need are available in your state. Discounts may also vary depending on where you live, so always check that the discounts and coverages advertised are available in your area.
4
Check financial stability ratings
Financial stability ratings are a good indicator of whether a provider can meet its financial obligations, so it is an important consideration when choosing a provider. Typically, large insurance companies tend to be financially stronger, while regional companies in Nevada may have lower stability ratings.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Nevada
The best car insurance in Nevada for you will depend on your profile and needs. We answered some of the most commonly asked questions to help you learn more.
About Mark Fitzpatrick
