Travelers offers Nevada's cheapest car insurance, with monthly rates of $57 for minimum coverage and $105 for full coverage. Drivers save $40 monthly (33%) compared to state averages. Get quotes from Country Financial, GEICO, American Family and Mercury too.
Cheapest Car Insurance in Nevada
Updated: August 18, 2025
Advertising & Editorial Disclosure
Key Takeaways
Travelers, Country Financial and GEICO are the cheapest car insurance companies in Nevada, offering savings up to 33% below average rates.
Car insurance costs in Nevada start at $50 monthly for minimum coverage and $105 for full coverage policies on average.
To get the cheapest car insurance in Nevada, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Nevada?
| Travelers | $57 | $105 | -33% |
| Country Financial | $69 | $114 | -24% |
| Geico | $65 | $138 | -16% |
| American Family | $91 | $134 | -7% |
| Mercury Insurance | $77 | $151 | -5% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN NEVADA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Nevada:
Best Car Insurance Rates by Category in Nevada
Travelers offers the lowest rates for six out of 10 driver categories in Nevada, including adults, seniors and those with driving incidents. Country Financial provides competitive rates in four categories, with affordable coverage for young drivers and those with bad credit. Find your specific rates in the table:
| Young Drivers | Country Financial | $121 |
| Adult Drivers | Travelers | $57 |
| Senior Drivers | Travelers | $78 |
| Drivers With An Accident | Travelers | $73 |
| Drivers With A DUI | Travelers | $78 |
| Drivers With A Speeding Ticket | Travelers | $69 |
| Drivers With Bad Credit | Country Financial | $79 |
| Drivers With Low Income | Country Financial | $57 |
| Drivers With Newer Cars | Travelers | $50 |
| Drivers With Old Cars | Country Financial | $62 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Nevada for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Country Financial offers the lowest rates at $124 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Country Financial | $124 | $1,492 | -60% |
| Travelers | $176 | $2,115 | -44% |
| Allstate | $234 | $2,812 | -25% |
| Progressive | $258 | $3,100 | -17% |
| American Family | $283 | $3,398 | -9% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Nevada by City
Where you live in Nevada affects your insurance costs based on local crime, accidents and traffic density. Travelers charges as little as $30 in Winnemucca but costs $92 in Las Vegas. Here are the cheapest providers for every Nevada city:
Data filtered by:Results filtered by:
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City:Alamo
| Alamo | Travelers | $38 | -37% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in Nevada
Finding affordable car insurance rates in Nevada requires more than just comparing quotes from different companies. Here are proven strategies to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from several insurance companies through different channels like independent agents, company websites and comparison tools. Your rates can vary significantly depending on how you shop, so try multiple approaches to find the best deal.
- 2
Determine Your Coverage Needs
Know what coverage you need before shopping to avoid paying for unnecessary add-ons while ensuring you have enough protection. Understanding your required coverage helps you make smarter choices about optional coverages.
- 3
Consider Lower Coverage Amounts
Reducing your coverage level can lower your premium if budget is tight. Just be sure to evaluate your financial situation, driving habits and where you live before making this choice.
- 4
Look for Available Discounts
Research average auto insurance costs for drivers like you to understand potential savings. Check for discounts you qualify for and compare home and auto insurance bundles to maximize your savings.
- 5
Explore Insurance Alternatives
Consider pay-per-mile car insurance if you don't drive much, or try telematics programs that track driving habits for potential savings. Check if your car manufacturer offers special insurance programs with lower rates.
- 6
Work on Your Risk Profile
Improve your credit score and maintain safe driving habits to qualify for better rates. Insurance companies often offer lower premiums to drivers they consider less risky.
- 7
Choose a Cost-Effective Vehicle
If you're buying a car, pick a cheaper car to insure to save on coverage costs. Older, reliable vehicles typically cost less to repair and insure than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Nevada
Nevada requires drivers to carry liability insurance with minimum coverage of 25/50/20. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $20,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Nevada, average property damage claims hit $4,200 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Nevada gets hit with extreme weather that damages cars regularly. Flash floods caused significant vehicle damage claims in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, severe storms and falling objects that frequently hit Nevada.
Bodily injury damage is more likely to exceed minimum limits
Nevada's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. Average bodily injury claims reached $18,800 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage creates financial risk
Nevada has a serious uninsured driver problem, with 13% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Nevada, according to the National Insurance Crime Bureau, with Las Vegas reporting high theft numbers in 2023. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Nevada: Bottom Line
Travelers offers the lowest car insurance rates in Nevada for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Nevada: FAQ
Below we answer common questions about affordable car insurance to help Nevada drivers find the right coverage.
What are the cheapest car insurance companies in Nevada?
Travelers provides the most affordable car insurance in Nevada, with average annual rates of $679 for minimum coverage and $1,261 for full coverage. Country Financial, GEICO, Mercury and American Family also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Nevada?
Country Financial provides the most affordable rates for young drivers in Nevada, with monthly premiums starting at $121 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Nevada?
Senior drivers in Nevada can find the most competitive rates with Travelers, offering policies for those 65 and older at an average of $78 per month for minimum coverage.
Who has the cheapest car insurance in Nevada for bad credit?
Country Financial provides the most affordable rates for bad-credit drivers in Nevada, with monthly premiums averaging $79 for minimum coverage and $128 for full coverage.
Who has the cheapest car insurance in Nevada with an accident?
Travelers offers the most affordable car insurance rates for Nevada drivers with an accident history, starting at $73 per month for minimum coverage.
Who has the cheapest car insurance in Nevada with a DUI?
Travelers provides the cheapest car insurance after a DUI in Nevada, with rates of $78 monthly for minimum coverage and $154 monthly for full coverage.
Who has the cheapest car insurance in Nevada for those with a speeding ticket?
Nevada drivers with a speeding ticket can find the lowest insurance rates with Travelers, charging $69 monthly for minimum coverage and $137 for full coverage.
Should you buy the cheapest car insurance in Nevada?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Travelers balances low prices with solid coverage options in Nevada.
How We Found the Most Affordable Car Insurance in Nevada
MoneyGeek collected auto insurance data from the Nevada Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Nevada.
Nevada Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Nevada
We compared car insurance companies in Nevada that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Nevada.
The minimum coverage liability limits in Nevada are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $20,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed August 27, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 27, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 27, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 27, 2025.