Cheapest Car Insurance in Nevada (November 2025)

Car insurance in Nevada runs $152 monthly for full coverage and $80 for minimum coverage, costing 25% and 40% more than the national average respectively. Nevada ranks 45th out of 51 states for full coverage affordability and 44th for minimum coverage, making it one of the more expensive places to insure a vehicle.

Travelers delivers the cheapest rates for both full and minimum coverage across Nevada and most major cities statewide. Skipping full coverage means you'll pay for your own repairs if you cause an accident, so compare rates to find affordable coverage that works for your budget. MoneyGeek also ranked the best car insurance companies in Nevada by analyzing rates, customer satisfaction and coverage options, where Travelers topped that list.

Travelers leads Nevada's insurance market with the cheapest full coverage at $105 monthly or $1,261 annually. COUNTRY Financial follows at $1,364 per year, while American Family ($1,608 annually), GEICO ($1,651 yearly) and Mercury ($1,813 annually) round out the top five most affordable options for Nevada locals.

Travelers delivers Nevada's most affordable minimum coverage at $57 monthly or $684 annually, providing drivers with savings while meeting state requirements. But Nevada drivers can choose from several insurers offering cheap liability-only coverage.

GEICO follows at $65 per month, while Country Financial offers coverage for $69 monthly. American Family and Mercury Insurance round out the top five;solid alternatives for affordable protection.

Nevada mandates minimum liability insurance of $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage (25/50/20). These state standards help maintain affordable baseline premiums. 

These limits could leave drivers financially vulnerable during major accidents, given Las Vegas's congested highways and increased collision risks from heavy tourist traffic year-round.

Travelers offers the most affordable minimum coverage rates in 18 of Nevada's 20 largest cities analyzed, while Country Financial secures the remaining two markets as of November 2025.

The cheapest minimum coverage options across Nevada's major cities range from $34 to $92 monthly. Elko residents have the state's lowest monthly rates at $34 through Travelers, while Las Vegas drivers pay the highest premiums at $92, also with Travelers. Most mid-sized cities maintain rates between $36 and $71.

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Nevada's young drivers have high insurance costs, but choosing COUNTRY Financial can reduce expenses. This provider offers the most affordable full coverage for drivers ages 16 to 25 at $2,428 annually, representing savings 47% below the state average for this age group. Travelers comes in second at $2,740 per year, while American Family rounds out the top three at $3,163 annually.

Adults between 26 and 64 will find their best value with Travelers at $1,268 per year for comprehensive coverage. COUNTRY Financial follows closely behind at $1,362 annually, and American Family provides competitive rates at $1,567 per year.

Senior drivers ages 65 and older can secure their lowest premiums through COUNTRY Financial at $1,661 annually for full coverage, coming in 36% below Nevada's average for this demographic. Travelers takes second place at $1,722 per year, with Geico offering coverage at $2,008 annually.

Driving violations and credit issues can increase insurance premiums in Nevada. A clean record keeps costs low, but infractions like speeding, at-fault accidents, texting behind the wheel or DUIs push rates higher. 

Your credit score matters too. COUNTRY Financial offers the most affordable rates for most high-risk categories, while Travelers provides better pricing for at-fault accidents.

• Cheapest for Bad Credit: COUNTRY Financial ($128 per month)
• Cheapest With a DUI: COUNTRY Financial ($153 per month)
• Cheapest With an At-Fault Accident: Travelers ($144 per month)
• Cheapest With a Speeding Ticket: COUNTRY Financial ($136 per month)
• Cheapest With a Texting While Driving Violation: COUNTRY Financial ($136 per month)

Request quotes from multiple carriers to compare and find lower rates. Regional and national insurers compete for Nevada drivers. Bundle coverage, build strong credit and inquire about safe-driver programs to cut costs.

Minimum liability meets Nevada's 25/50/20 requirements but leaves you exposed. You'll cover repair bills out of pocket if you cause an accident without collision coverage. Comprehensive protection guards against theft, weather damage and vandalism.

Nevada ranked among the top five states for vehicle theft rates in 2024, though thefts dropped 31% statewide from 2023 to 2024. The typical bodily injury claim cost $26,501 in 2022, exceeding Nevada's $25,000 per-person limit by $1,501. Only skip comprehensive coverage if your budget absolutely requires it.

Travelers provides Nevada's most affordable car insurance across driver types and coverage levels. Selecting insurance based solely on price can be risky. Buy adequate protection within your budget to shield yourself financially if crashes occur.

Our insurance experts tackle frequently asked questions about securing affordable auto coverage for Silver State residents.

Nevada drivers juggle high traffic volume in Las Vegas, weather risks and rates that run 25% above the national average for full coverage. We compared rates across Nevada's metro areas, suburbs and rural communities to find the best value.

Our Research Approach

We pulled quotes from 12 insurers across every Nevada ZIP code using data from the state's Division of Insurance and Quadrant Information Services. The numbers tell the story: rural drivers pay far less than Las Vegas commuters stuck on I-15, and our statewide sweep catches all those pricing differences. Our analysis included more than 200 million rate comparisons to identify consistent patterns in pricing and coverage availability.

We started with a baseline driver profile that represents Nevada's median demographic:

• 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
  

This profile serves as our control group. We then adjusted specific variables (age, driving violations, credit score) to analyze how Nevada insurers price risk for different driver types. This approach reveals which companies specialize in certain demographics and which maintain competitive rates across all profiles. 

Coverage Levels We Compared

Nevada requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $20,000 per accident for property damage. We used these exact limits for minimum coverage comparisons since that's what most budget-conscious Nevada drivers carry.

For full coverage analysis, we used higher liability limits that better protect Nevada drivers in serious accidents:

• $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
  

Most insurance agents in Nevada push these higher limits once you mention Las Vegas traffic. Three-car pileups on I-15 eat through that $25,000 state minimum fast. Go with the $1,000 deductible to cut your monthly bill, just make sure you've got a grand stashed away.