The Best Car Insurance in Nevada for 2022

The best car insurance companies feature customer satisfaction, affordability and financial stability. GEICO is Nevada’s best car insurance company — it ranks highest in affordability, is tied first in claims and second in customer satisfaction.

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Last Updated: 5/13/2022
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MoneyGeek evaluated the best car insurance providers per category to help you find the policy that best fits your driving profile. Overall, GEICO is the best-performing auto insurance company in Nevada. However, you may find other companies’ offers a better fit for your specific needs and interests.

MoneyGeek also analyzed Nevada’s cheapest auto insurance policies to help you find affordable options regardless of service quality.

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The Best Car Insurance in Nevada

Best Car Insurance Companies in Nevada: Overall

MoneyGeek evaluated the top car insurance companies in Nevada based on affordability, claim ratings and user satisfaction.

Our research reveals that Nevada’s two top-rated auto insurance providers overall are:

  • GEICO: MoneyGeek score of 4.3 out of 5
  • State Farm: MoneyGeek score of 4.2 out of 5

USAA obtained a perfect score of 5 out of 5 across all our metrics. However, we excluded it from this analysis due to its limited availability. Regardless, USAA is Nevada’s best car insurance for active-duty military personnel or veterans.

The Top 5 Car Insurance Companies in Nevada

1
GEICO
Score:4.3

4.6/5

Affordability

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

At $1,083 yearly, GEICO ranks first on affordability, and is tied first on claims and financial stability. It is tied second on user satisfaction. The company offers mechanical breakdown insurance (MBI) coverage as an add-on.

More About GEICO

GEICO offers MBI as an add-on that is cheaper and has better coverage than the typical dealer extended warranty since it covers all the parts and systems of your car. It’s available for cars that are less than 15 months old and with less than 15,000 in mileage. 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.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:4.2

3.2/5

Affordability

5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm ranks first for customer satisfaction, and it’s tied first on claims and financial stability. Priced at $1,652 per year, it ranks third for affordability. Policyholders opt for rideshare insurance as an add-on.

More About State Farm

State Farm offers rideshare insurance as additional coverage. This protects rideshare drivers as it ensures 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.

Read MoneyGeek's State Farm auto Insurance Review
3
Travelers
Score:3.9

3.9/5

Affordability

3.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

With an annual cost of $1,389, Travelers is tied first on financial stability, ranks second on affordability, is tied second on claims and comes in last on customer satisfaction. They offer gap insurance as add-on coverage.

More About Travelers

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.

Read MoneyGeek's Travelers auto Insurance Review
4
Allstate
Score:3.7

2.7/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate is tied first on claims and second on satisfaction. At $1,865 annually, it ranks fourth in terms of affordability, and second for financial stability. This insured offers custom parts coverage as an add-on for policyholders.

More About Allstate

Allstate’s custom part coverage covers the loss of custom equipment due to a comprehensive type of loss. 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 on an auto sound system.

Read MoneyGeek's Allstate auto Insurance Review
5
Farmers
Score:3.1

1.2/5

Affordability

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

With an annual fee of $2,470, Farmers ranks last on affordability and financial stability, but it’s tied first on claims and second on customer satisfaction. The company offers glass deductible modification as an add-on.

More About Farmers

With an annual fee of $2,470, Farmers ranks last on affordability and financial stability, but it’s tied first on claims and second on customer satisfaction. The company offers glass deductible modification as an add-on.

Read MoneyGeek's Farmers auto Insurance Review
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HOW WE DETERMINED THE BEST INSURANCE IN NEVADA

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:

Compare the Best Insurance Options in Nevada

The best car insurance providers feature affordability, service quality and financial stability. Beyond those factors, you can also account for an insurer’s coverages to determine if their policy is a fit for you.

MoneyGeek’s review allows you to compare the best auto insurance providers in Nevada. We conducted in-depth analysis and head-to-head comparisons to help you find the best policy for your needs.

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Best Car Insurance in Nevada for Customer Service

MoneyGeek evaluated the top car insurance companies in Nevada based on claims ratings and user satisfaction.

These auto insurance providers offer the best customer service, without considering the cost:

  • State Farm: MoneyGeek score of 4.5 out of 5
  • Liberty Mutual: MoneyGeek score of 4.2 out of 5
The Top 2 Car Insurance Companies in Nevada for Service Quality

1
State Farm
Score:4.5

4/5

Claims

5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm ranks first on customer satisfaction and is tied second on claims. Even with their high level of service, State Farm is firmly in the middle of five comparison companies when it comes to cost.

More About State Farm

State Farm offers rental car reimbursement, an add-on to your policy covers expenses on rental car and travel in the event your car is unusable. Additionally, it has an up to $500 repayment of deductible if you are responsible for an accident in your car.

Read MoneyGeek's State Farm auto Insurance Review
2
Liberty Mutual
Score:4.2

4.5/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

Liberty Mutual ranks first on claims and is tied second on customer satisfaction, with a score of 4.5 and 4.0, respectively.

More About Liberty Mutual

Liberty Mutual offers better car replacement coverage as an add-on. In case your car becomes 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.

Read MoneyGeek's Liberty Mutual auto Insurance Review

Best Car Insurance in Nevada for Drivers on a Budget

MoneyGeek gathered the best rates for drivers in Nevada looking for minimum car insurance policies. We analyzed offers based on their balance of affordability and customer service.

Nevada’s top car insurance companies for drivers on a budget are:

  • GEICO: MoneyGeek score of 4.3 out of 5
  • State Farm: MoneyGeek score of 4.1 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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An affordable minimum coverage policy at $583 annually.

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Get a discount if you’ve been accident-free for five years.

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If you have an airbag, you’re entitled to a discount.

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MoneyGeek claims rating of 4.0 out of 5.

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MoneyGeek customer satisfaction score of 4.0 out of 5.

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Does not offer discounts for full payments or paperless statements.

COMPANY HIGHLIGHTS

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.

Further, GEICO provides discounts to policyholders who have security features on their cars. Daytime running lights and an anti-theft system will result in savings on your car insurance premiums.

Best Car Insurance in Nevada for Poor Driving Records

MoneyGeek reviewed the best car insurance companies in Nevada for drivers with at-fault accidents on their record. We evaluated policies based on their affordability and customer service.

Our analysis reveals the best auto insurance providers for drivers in Nevada with bad records are:

  • State Farm: MoneyGeek score of 4.4 out of 5
  • GEICO: MoneyGeek score of 4.1 out of 5

MoneyGeek’s Pick: State Farm

State Farm

pros

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An affordable full coverage policy for drivers with poor driving records at $1,902 per year.

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Offers roadside assistance and rental car reimbursement coverages.

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MoneyGeek claims rating of 4 out of 5.

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MoneyGeek satisfaction score of 5 out of 5.

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Does not offer accident forgiveness, new car replacement or better car replacement coverages.

COMPANY HIGHLIGHTS

State Farm offers one of the best policies for drivers in Nevada with a poor driving record. It’s relatively affordable at $1,902 per year, and they provide outstanding customer service. MoneyGeek rated State Farm 4 out of 5 for claims and 5 out of 5 for satisfaction.

State Farm offers the following coverages:

  • Roadside assistance: Pays for expenses on towing and other labor charges if your car becomes disabled.
  • Rental car reimbursement: Covers expenses for car rental, meals, lodging and transportation when your car is disabled.

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 5 out of 5 across all metrics, beating GEICO and State Farm, with a total score of 4.3 and 4.2, respectively.

USAA offers an attractive combination of affordability, good customer service and claims satisfaction. However, it’s only available to current and retired military personnel and their families.

MoneyGeek’s Pick: USAA

USAA

pros

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An affordable full coverage policy for drivers with military background at $939 annually.

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Offers rideshare gap coverage insurance.

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Offers mileage discount.

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Claims rating score of 5 out of 5.

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User satisfaction score of 5 out of 5.

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Only available to military families.

COMPANY HIGHLIGHTS

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 Young Drivers and Students

MoneyGeek reviewed Nevada’s best auto insurance for first-time drivers, young and student drivers. In this analysis, we considered the affordability and customer service rating of policies.

The top car insurance companies in Nevada for young drivers are:

  • Allstate: MoneyGeek score of 4.4 out of 5
  • GEICO: MoneyGeek score of 3.4 out of 5

MoneyGeek’s Pick: Allstate

Allstate

pros

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Provides an affordable car insurance policy for young drivers at $3,413 per year.

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Offers distant student, good student and driver’s education discounts.

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Claims rating score of 4 out of 5.

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User satisfaction score of 4 out of 5.

cons

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Pricing may vary based on your driving history.

COMPANY HIGHLIGHTS

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 may have to speak with their insurance company more often than older, more experienced drivers.

The distant student discount that Allstate 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.

Best Car Insurance in Nevada for Those With New Cars

MoneyGeek evaluated the top car insurance companies in Nevada that offer new car coverages.

New car replacement covers the cost of purchasing a similar-model new car in case your insured car is totaled. Meanwhile, better car replacement coverage covers the cost of a more recent car model. Note that these coverages are add-ons, so you’ll have to pay more to include them in your policy.

MoneyGeek’s analysis found out that Nevada’s top auto insurance company for new cars is Travelers, with an overall score of 3.9 out of 5.

MoneyGeek’s Pick: Travelers

Travelers

pros

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It’s affordably priced at $1,389.

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Offers new car replacement coverage.

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Claims rating score of 4 out of 5

cons

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Does not offer better car replacement coverage.

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Customer satisfaction score of 3.5 out of 5.

COMPANY HIGHLIGHTS

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

Many insurance companies are expanding the use of pay-per-mile car insurance, where insurance rates are based on a driver’s mileage. MoneyGeek’s analysis found out that in Nevada, Nationwide SmartMiles is the best pay-per-mile program, while several other providers offer the most affordable low-mileage insurance.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Offers affordable auto insurance rates for car owners who drive very little.

cons

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If you’re a regular driver, pay-per-mile can be more expensive compared to a traditional car insurance policy.

COMPANY HIGHLIGHTS

Nationwide offers an excellent pay-per-mile car insurance policy in Nevada through Nationwide SmartMiles. 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. You can also earn up to a 10% discount if you display safe driving.

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.

1

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.

2

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.

3

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.

4

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 one that perfectly fits your needs and requirements. To help you decide, MoneyGeek answered some of the frequently asked questions about car insurance in Nevada.

Methodology

MoneyGeek collected auto insurance quotes in Nevada with the help of Quadrant Information Services. The rates in this guide are for a sample driver and policy as described in our methodology page, unless noted otherwise. MoneyGeek also gathered information on coverages and discounts from insurers’ websites and/or using their quote tools.

Furthermore, MoneyGeek used industry-leading evaluations by J.D. Power, AM Best and the National Association of Insurance Commissioners when calculating scores for customer satisfaction, claims satisfaction and financial stability.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.