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Car Insurance Cost Calculator
Estimate the Cost of Car Insurance for You.
MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates Updated:
Apr, 18, 2024
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Effectively estimating the amount of auto insurance you need can help you save money. Using MoneyGeek's quick and simple auto insurance calculator, you can get an estimate of Nevada car insurance rates as they apply to you.
We analyzed how car insurance rates in Nevada are calculated. MoneyGeek developed this guide to help you better understand how much your Nevada car insurance will cost so you can determine which variables influence your premium.
Nevada Car Insurance Calculator: How it Gets You an Instant, Free Estimate
Drivers must provide a personal details to get an accurate auto insurance quote. Car insurance quotes in Nevada typically take 10–15 minutes to complete.
Using MoneyGeek's Nevada car insurance cost calculator, you can estimate how much your auto insurance will cost in Nevada, depending on your age, driving record, vehicle type, and coverage levels.
The amount of coverage you buy, your credit score and whether you add a teen driver to your policy all play a role in determining Nevada auto insurance costs.
Several variables affect which Nevada auto insurance company is the cheapest for you. Our calculator can provide you with a rough cost estimate. Our model driver pays $772 per year for car insurance with GEICO, the most affordable and widely available provider.
Price should not be the only factor to consider while searching for a car insurance provider in Nevada. In addition to looking for a great deal on rates, you might want to seek a company that offers outstanding customer service.
An excellent way to get an idea of what you may expect to pay for car insurance in Nevada is to use MoneyGeek's calculator or go through our model driver database for the cheapest car insurance in Nevada.
See how your state's insurance costs compare to those in other states by looking at Nevada’s average cost of car insurance.
MoneyGeek compared the best car insurance companies in Nevada to make it easier for you to get a policy with the right mix of price and quality of service.
How Car Insurance Premiums are Calculated in Nevada
In Nevada, auto insurance rates are calculated based on various factors. The amount of coverage you need, your driving history, vehicle’s make and model, your credit rating and whether or not you’ll add a teen driver to your policy are affect your car insurance costs. Car insurance costs in Nevada may increase by 2.9 times if you add a teen driver to your coverage.
How Much Adding a Teen Driver Matters in Calculating Car Insurance in Nevada
When you add a teen driver to your car insurance policy, you may see an increase in your prices. Because teenage drivers are inexperienced and lack judgment, insurance companies consider them higher-risk and will charge an additional fee to include them on your policy.
The most expensive factor affecting your car insurance prices in Nevada is adding a young driver to your policy. You might see an increase in the cost of your auto insurance by 2.9 times as a result.
How Much Coverage Levels Matters in Calculating Car Insurance in Nevada
The amount coverage you need directly influences the cost of your auto insurance. Additional coverage will cost you more.
The cheapest option in Nevada is the state's minimum liability insurance, while the most expensive option is full coverage with a $500 deductible and 100/300/100 liability. The cost of full coverage insurance is 2.4 times higher than the state-required minimum insurance.
How Much Credit Score Matters in Calculating Car Insurance in Nevada
The lowest-cost Nevada car insurance is available to those with a good credit score. With a clean driving record and a good credit score, you'll be able to qualify for more affordable rates.
If you have poor credit, your auto insurance premiums in Nevada can increase by 2.1 times.
How Much The Age of a Driver Matters in Calculating Car Insurance in Nevada
Your age is a significant consideration in calculating how much your Nevada car insurance will cost. Drivers under the age of 25 often face higher insurance premiums than more mature drivers.
Seniors are also charged higher fees than someone in their 30s or 40s. Depending on your age, the cost of your insurance might increase by as much as two times.
A 40-year-old motorist in Nevada can get the best deal on auto insurance. On the other hand, a motorist between the ages of 19 and 20 would be charged the highest rates for car insurance in the state.
How Much Car Model Matters in Calculating Car Insurance in Nevada
Your car's make and model will affect your insurance premiums. Due to the high cost of repairs and the significant replacement cost for sports cars or high end cars, insurance premiums for these vehicle types are higher.
Because some models have a greater risk of being stolen or damaged than others, they require additional security measures and cost more to insure.
On the other hand, SUVs and sedans are less expensive to repair or replace and have less risk for theft, and are cheaper to insure.
Insurance rates might increase by as much as two times if you drive a high-priced car.
How to Calculate How Much Car Insurance You Need in Nevada
Your insurance coverage level is one of the most critical factors in determining your premiums. You can find a policy that strikes the right mix between cost and protection by calculating how much auto insurance you need in relationship to your budget.
Nevada law requires insurance that covers bodily injury and property damage. However, if your finances allow, you may want to consider purchasing additional liability insurance as well as comprehensive and collision coverage.
Understand Nevada Car Insurance Requirements
You can figure out the amount of car insurance you need in Nevada by starting with the state's minimum requirements.
These minimum requirements require $25,000 bodily injury liability per person, with a maximum of $50,000 bodily injury liability per incident, and $20,000 property damage liability per collision are covered under Nevada’s minimum car insurance requirements. If you're looking for extra protection, consider increasing your insurance coverage.
Nevada does not mandate comprehensive or collision insurance, which covers damage to property and other vehicles, and could provide valuable additional protection.
Consider Purchasing Additional Liability Insurance
You may need liability insurance that is higher than the state minimum if you want to protect themselves financially in the event of a collision.
In Nevada, a $300,000-per-accident policy costs an average of $1,572 per year, compared to the state's minimum liability coverage of $829.
Decide Whether or Not To Buy Comprehensive and Collision Insurance
Nevada laws do not require drivers to carry comprehensive and collision coverage. However, lenders often require them if you are leasing or financing your car.
Full coverage may be needed if you want additional coverage against the high potential costs of replacing or repairing property damaged in a crash.
It costs an average of $359 per year to add comprehensive and collision coverage with a $1,000 deductible to a Nevada car insurance policy. Keep in mind that an inexpensive car with a sticker price of just a few thousand dollars may not be worth the yearly insurance premiums of several hundred dollars.
Consider Buying Additional Protection Besides These Core Coverages
Nevada does not require you to carry uninsured/underinsured motorist coverage. The uninsured motorist rate in Nevada is around 10.4%. High numbers of uninsured drivers mean higher risk for you, so you may want to consider adding uninsured/underinsured motorist coverage.
The state of Nevada does not mandate the purchase of personal injury protection. As an alternative to PIP, insurance companies in Nevada provide medical payments coverage to aid with the cost of medical bills incurred due to a car crash.
Frequently Asked Questions About How Car Insurance is Calculated in Nevada
MoneyGeek answers some of the most frequently asked questions about calculating insurance rates in Nevada.
Providing your insurer with accurate information about you, your driving history and your vehicle will help you get an idea of your car insurance rate. Our auto insurance calculator can also provide you with instant quotes from numerous providers based on the information you provide.
Car insurance companies in Nevada base premiums on a variety of factors. Your age, driving history, the amount of coverage you need, your credit score and whether or not you add a teen driver can all affect your rates.
Your Nevada auto insurance prices are affected by the amount of coverage you buy. Nevada law requires property damage liability and bodily injury liability insurance. But depending on your circumstances, you may want to opt in to other types of coverage. Knowing how much coverage you need simplifies the process of balancing cost and protection.
Methodology
MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Nevada. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.
About Mark Fitzpatrick
