Cheapest Car Insurance in Nevada (2024)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

COUNTRY Financial is one of the best car insurance companies in Nevada, offering the cheapest rates for most driver profiles. Nationwide and USAA are the most affordable options for teens and military families, respectively.

Why Trust MoneyGeek? We gathered data from the Nevada Division of Insurance and Quadrant Information Services to identify the most affordable car insurance for various driver profiles in the state.

recency icon

These rates reflect the cheapest car insurance quotes in Nevada as of 2024.

90,496Quotes Analyzed
 
16Companies Compared
 
67ZIP Codes

Cheapest Minimum Liability Car Insurance in Nevada

The cheapest car insurance companies in Nevada for a minimum coverage policy are:

  • COUNTRY Financial: $459 per year
  • Capital Insurance Group: $544 per year

Dairyland is the most expensive auto insurer for minimum coverage, with an average annual premium of $2,180.

Car insurance that meets minimum insurance requirements in Nevada covers only bodily injury liability and property damage liability.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Minimum Coverage
Country Financial$459$38
Capital Insurance Group$544$45
Nationwide$548$46
Mercury$711$59
Progressive$728$61
Travelers$782$65
American Family$1,037$86
GEICO$1,053$88
State Farm$1,067$89
Farmers$1,154$96
Kemper$1,248$104
Nevada General Insurance$1,307$109
CSAA$1,372$114
Allstate$1,543$129
Dairyland$2,180$182
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

A minimum coverage policy covers only the cost of damage or injuries you cause to others. If you want more protection, try comprehensive and collision insurance, also known as full coverage. This insurance extends to damage to your vehicle.

Find the Best Car Insurance in Nevada for You

 

The amount of coverage you need depends on your insurance requirements and preferences.

The table above provides the cheapest car insurance premiums for minimum coverage in Nevada.

Fast fact icon

We also reviewed the best auto insurers in the Sagebrush State based on cost and service quality.

Fast fact icon

To know how rates change according to specific factors, we analyzed the average cost of car insurance in the state for various driver profiles.

Cheapest Full Coverage Car Insurance in Nevada

The most affordable full coverage auto insurance in Nevada is from:

  • COUNTRY Financial: $840 per year
  • Mercury: $978 per year

Dairyland offers Nevada's most expensive full coverage insurance at around $4,467 annually.

Adding comprehensive and collision coverage raises premiums. For instance, COUNTRY Financial's full coverage costs about $381 more than its minimum coverage. Full coverage auto insurance offers greater financial protection, covering damage from both on-road and off-road accidents.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Country Financial$840$70
Mercury$978$82
Capital Insurance Group$1,053$88
Nationwide$1,080$90
Travelers$1,341$112
American Family$1,574$131
Progressive$1,750$146
Farmers$1,833$153
State Farm$1,934$161
GEICO$2,108$176
Nevada General Insurance$2,337$195
Allstate$2,362$197
Kemper$2,795$233
CSAA$2,933$244
Dairyland$4,467$372

Determining how much car insurance you need impacts your rates. MoneyGeek’s sample full coverage policy features liability protection with these limits:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

You can save by lowering your limits, dropping collision and comprehensive insurance or raising your deductible. However, this could leave you with insufficient coverage if you're involved in an accident.

How to Compare Cheap Nevada Car Insurance Quotes Online

Most car insurance providers provide quotes online, requiring you to give personal information. It may also take up to 15 minutes to complete this process. Comparing rates will require you to submit your information to different insurance websites, which means additional time.

MoneyGeek provides a car insurance calculator to help you see quick estimates without giving your information to different insurers. It can serve as a starting point to help you find the cheapest insurance that suits your needs.

Car Insurance Calculator

MoneyGeek'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.

High
Average
Low

Rates updated:

Dec 06, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Cheapest Car Insurance in Nevada by Age

In Nevada, Nationwide offers the cheapest insurance for teen drivers. COUNTRY Financial is the most affordable for young adults and seniors.

mglogo icon
CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest Car Insurance in Nevada for Teens and Their Families

These insurers offer the most affordable auto insurance for teens on a parent’s policy in Nevada:

  • Nationwide: $2,388 per year for female teens and $2,572 per year for male teens
  • State Farm: $3,061 per year for female teens; Allstate: $3,771 per year for male teens

Kemper charges the highest rates for teens, averaging $5,958 per year for female teens and $6,238 for male teens, based on 16-year-olds added to their parents' policies. Adding a teen to a parent's policy is usually cheaper than buying separate coverage.

Car insurance rates for teens drop as they age, with 19-year-olds seeing the lowest rates. In Nevada, Nationwide offers the cheapest insurance for male drivers aged 19, costing about $2,276 annually.

A 16-year-old male in Nevada may pay $9,872 per year for an individual policy but only $4,722 if added to a parent's policy, saving $5,150.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
Nationwide$2,388$4,903
State Farm$3,061$3,943
Allstate$3,491$10,836
Farmers$4,248$12,810
Travelers$4,328$8,344
Capital Insurance Group$4,432$5,944
Progressive$5,616$13,470
GEICO$5,618$9,665
Kemper$5,958$10,176
mglogo icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Families can save on car insurance by getting discounts for young drivers. Allstate, Farmers, Progressive, State Farm and Travelers offer distant student and good student discounts. GEICO, Kemper and Nationwide offer good student discounts.

Cheapest Car Insurance in Nevada for Young Adults

The cheapest car insurance companies for Nevada drivers in their 20s are:

  • COUNTRY Financial: $1,164 per year
  • Mercury: $1,346 per year

Dairyland offers the most expensive car insurance for young adults, at an average of $5,141 annually. Young adults pay around $436 more for insurance than middle-aged drivers.

Data filtered by:Results filtered by:
Age Range:
Age Range:22-29
Coverage Level:
Coverage Level:Full Coverage
Country Financial$1,164$97
Mercury$1,346$112
Nationwide$1,412$118
Travelers$1,562$130
Capital Insurance Group$1,735$145
American Family$1,778$148
Progressive$2,111$176
Farmers$2,224$185
State Farm$2,436$203
GEICO$2,463$205
Allstate$2,470$206
Nevada General Insurance$2,915$243
Kemper$3,530$294
CSAA$3,642$304
Dairyland$5,141$428

Cheapest Car Insurance in Nevada for Seniors

Senior Nevada drivers can get the most affordable car insurance from these insurers:

  • COUNTRY Financial: $796 per year
  • Capital Insurance Group: $883 per year

Dairyland offers the least affordable auto insurance rates for seniors, averaging $4,058 per year.

Nevada residents in their 60s pay around $30 more annually than middle-aged drivers. However, insurance rates will increase as they reach their 70s and 80s.

Data filtered by:Results filtered by:
Age Range:
Age Range:60 +
Coverage Level:
Coverage Level:Full Coverage
Country Financial$796$66
Capital Insurance Group$883$74
Nationwide$995$83
Mercury$1,098$92
Travelers$1,362$114
American Family$1,452$121
Progressive$1,728$144
State Farm$1,802$150
Farmers$1,838$153
GEICO$2,112$176
CSAA$2,621$218
Nevada General Insurance$2,649$221
Allstate$2,652$221
Kemper$3,795$316
Dairyland$4,058$338

Seniors who want to save money on car insurance might qualify for discounts from Allstate, American Family, Farmers, GEICO, Kemper and Mercury.

Cheapest Car Insurance for Higher Risk Drivers

COUNTRY Financial is the cheapest provider for Nevada drivers with tickets, at-fault accidents and DUIs on their record. It also offers the lowest rates for people with poor credit. Sports car drivers will find Capital Insurance Group the most affordable option.

mglogo icon
CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest Car Insurance in Nevada After a Ticket

These auto insurance companies offer the most affordable full coverage policies in Nevada for drivers with tickets:

  • COUNTRY Financial: $1,061 per year
  • Nationwide: $1,244 per year

The most expensive insurer is Dairyland, averaging $6,066 per year. Getting a ticket in Nevada means paying about $582 more yearly than drivers with clean records.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Country Financial$1,061$88
Nationwide$1,244$104
Mercury$1,375$115
Capital Insurance Group$1,398$116
Travelers$1,921$160
State Farm$2,140$178
American Family$2,191$183
Farmers$2,351$196
Progressive$2,365$197
Nevada General Insurance$2,620$218
Allstate$2,649$221
GEICO$3,173$264
Kemper$3,371$281
CSAA$4,189$349
Dairyland$6,066$506

Cheapest Car Insurance in Nevada After an Accident

These are the cheapest full coverage insurance providers in Nevada for drivers with an at-fault accident:

  • COUNTRY Financial: $1,197 per year
  • Capital Insurance Group: $1,526 per year

Dairyland is the least affordable provider for drivers with at-fault accidents, costing about $7,495 annually. On average, having an at-fault accident increases your annual premium by around $1,181.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Country Financial$1,197$100
Capital Insurance Group$1,526$127
Nationwide$1,684$140
Travelers$2,010$168
Mercury$2,053$171
State Farm$2,347$196
American Family$2,523$210
Farmers$2,935$245
Nevada General Insurance$2,946$246
Allstate$3,113$259
Progressive$3,184$265
GEICO$3,935$328
Kemper$4,808$401
CSAA$5,351$446
Dairyland$7,495$625

Cheapest Car Insurance in Nevada After a DUI

For Nevada drivers who have a DUI on their records, here are the cheapest options for full coverage car insurance:

  • COUNTRY Financial: $1,468 per year
  • Mercury: $1,792 per year

Dairyland is the most expensive insurer for drivers with a DUI, costing an annual average of $6,573. A DUI may increase your annual premium by about $1,162.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Country Financial$1,468$122
Mercury$1,792$149
Capital Insurance Group$2,045$170
State Farm$2,140$178
Nationwide$2,285$190
Travelers$2,338$195
Progressive$2,531$211
Nevada General Insurance$2,620$218
Farmers$2,979$248
American Family$3,199$267
Allstate$3,276$273
Kemper$3,449$287
CSAA$4,506$375
GEICO$5,619$468
Dairyland$6,573$548

Cheapest Car Insurance in Nevada for Drivers With Poor Credit

The least expensive auto insurance providers in Nevada for drivers with poor credit are:

  • COUNTRY Financial: $1,286 per year
  • Capital Insurance Group: $1,412 per year

Dairyland charges the most for drivers with poor credit, averaging about $5,540 annually.

Your credit score significantly affects your insurance rates. In Nevada, if your score is below 580, you could pay around $894 more for auto insurance than someone with a score of 750 or higher.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Country Financial$1,286$107
Capital Insurance Group$1,412$118
Mercury$1,426$119
Nationwide$1,433$119
Travelers$2,125$177
American Family$2,336$195
Nevada General Insurance$2,337$195
Progressive$2,671$223
Farmers$2,948$246
GEICO$3,245$270
Allstate$3,651$304
Kemper$3,681$307
State Farm$4,200$350
CSAA$4,507$376
Dairyland$5,540$462

Insurers found that drivers with poor credit scores are more likely to file claims, so they charge higher premiums. While some states don’t allow rates based on credit scores, Nevada does.

Improving your credit score can help lower your rates. You can also compare providers or look for insurers that offer discounts to save money.

Cheapest Car Insurance in Nevada for Sports Cars

Nevada drivers with sports cars may find the cheapest car insurance from:

  • Capital Insurance Group: $1,103 per year
  • Travelers: $1,229 per year

The most expensive insurer for a sports car is Dairyland, with an annual average premium of $4,392.

Sports cars usually have higher repair and replacement costs than standard vehicles. In Nevada, drivers pay around $108 more annually to insure a sports car than a Toyota Camry LE.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
Capital Insurance Group$1,103$92
Travelers$1,229$102
Nationwide$1,258$105
American Family$1,483$124
Farmers$1,606$134
Progressive$2,144$179
GEICO$2,150$179
Allstate$2,276$190
State Farm$2,282$190
Kemper$2,817$235
Dairyland$4,392$366

MoneyGeek used a Ford Mustang for the quotes in this study, but car insurance rates can vary widely depending on the model. Luxury, electric and sports cars are typically more expensive to insure than other vehicle types.

Cheapest Car Insurance in Nevada for Military Drivers

For current military members and veterans, COUNTRY Financial is the cheapest insurer, charging an average of $840 annually.

Active-duty military personnel, including veterans and their families, can get affordable car insurance policies from USAA at around $1,185 annually.

mglogo
MoneyGeek Top Pick
Country Financial
  • Annual premium: $840
  • Cheapest rank: First out of 16 companies
  • No military discount, but still the cheapest in Nevada

Cheapest Car Insurance in Nevada by City

Car insurance rates vary based on factors like the city you live in. Drivers in areas with higher theft, vandalism or accident rates are more likely to file claims, leading to higher premiums.

In Nevada, Reno has the cheapest auto insurance, with Mercury offering an average yearly rate of $854. Sunrise Manor has the highest rates from Capital Insurance Group, averaging $1,565 per year.

Use the table below to compare car insurance rates across different cities in Nevada.

EnterpriseCapital Insurance Group$1,404
HendersonCapital Insurance Group$1,203
Las VegasCapital Insurance Group$1,304
North Las VegasCapital Insurance Group$1,515
ParadiseCapital Insurance Group$1,371
RenoMercury$854
SparksMercury$938
Spring ValleyCapital Insurance Group$1,483
Sunrise ManorCapital Insurance Group$1,565

Car Insurance in Nevada: What You Need to Know

Most states require drivers to buy car insurance that includes bodily injury and property damage coverage. Nevada is no exception.

Nevada Car Insurance Requirements

Nevada state laws require drivers to have proof of insurance in their vehicles at all times. It must meet the state minimum requirements for bodily liability insurance and property damage coverage.

A minimum coverage policy lets you save money, but you might need more financial protection if you encounter an incident.

MoneyGeek recommends getting as much liability coverage as you can. Also, if you have a DUI in Nevada, you’ll be required to file an SR-22 certificate.

    male icon

    Bodily injury liability

    You’ll need $25,000 coverage in bodily injury liability per person and $50,000 per accident in case someone gets injured in an accident. This will help cover the associated medical expenses. However, if there are major injuries that exceed the limits, you might use your health insurance or pay from your pocket.

    accident2 icon

    Property damage liability

    Nevada drivers need $20,000 coverage in property damage liability for every accident. If your insurance doesn’t cover the cost of damage for your car or someone else’s, you might pay more out of pocket.

For extra protection, MoneyGeek suggests buying liability insurance of at least $100K per person and $300K per accident and increasing your property damage coverage to $100K. Including comprehensive and collision insurance might be required if you financed your car.

Comprehensive insurance covers repairs and car replacement during off-road incidents like theft, vandalism, animal damage and weather-related events. Collision insurance covers repairs or replacement if your car is damaged by another vehicle or an object like a post or tree.

We also recommend getting comprehensive and collision coverage if you have a valuable car.

Car Insurance Alternatives in Nevada

Aside from buying a minimum car insurance policy in Nevada, you can also try getting coverage from Nevada Auto Insurance Plan. It’s a good alternative if you do not meet the requirements for the voluntary market.

Non-owner car insurance in Nevada is another option to consider if you don’t own a car but need coverage when you drive rented or borrowed cars.

FAQ: Car Insurance in Nevada

If you're looking for car insurance, you might have questions about cost and quality. MoneyGeek answers the most common questions about auto insurance in Nevada.

Which company offers the cheapest car insurance in Nevada?

Should you buy the cheapest car insurance available in Nevada?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.