The Best Cheap Car Insurance in Nevada for 2021

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All drivers in Nevada need a car insurance plan that meets the minimum coverage requirements of $15,000 for injuries to one person, $30,000 for injuries per accident and $10,000 for property damage expenses per accident. In Nevada, GEICO has the most affordable average annual premiums of $583 for state minimum coverage and $692 for a 50/100/50 liability-only plan.

Average Cost for Liability Coverage

To help you find the best car insurance in Nevada, MoneyGeek ranked the top providers based on affordability, claims experience, customer service standards and financial strength.

To rank each criterion, MoneyGeek used information from industry-standard studies to evaluate insurance companies: AM Best’s financial strength ratings and J.D. Power’s U.S. Auto Insurance Study. Along with unique pricing data, Moneygeek weighed each study equally to arrive at a final score out of 100.

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

Based on 2018 data from the National Association of Insurance Commissioners, the top-rated auto insurance companies in Nevada are State Farm, GEICO, Progressive, Allstate, Farmers, USAA, CSAA, Liberty Mutual, American Family and Key Insurance Co. USAA is a company that offers insurance to members of the military and veterans and their families.

State Farm has the largest customer base with 17.54% of the state’s policies, followed by GEICO at 15.20%, Progressive at 11.19% and Allstate at 9.36%.

Check out the top insurers in Nevada in the table below.

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Several individual factors influence car insurance premiums. MoneyGeek calculated the average rates for 100/300/100 comprehensive and collision coverage for a typical 40-year-old male with a Toyota Camry with a clean driving record. Depending on the coverage level you choose and other factors like your age or location, your premiums can be higher or lower than these Nevada averages.

• Average Driver: $1,900
• DUI: $2,903
• Speeding Ticket: $2,355
• Poor Credit Score: $3,167
• Seniors: $1,997
• Students: $3,833

The Centers for Disease Control and Prevention completed a study that found that 1.6% of Nevada drivers admitted to driving after drinking too much in the previous 30 days. From 2009-2018, 842 people in Nevada were killed in car accidents involving alcohol.

A DUI costs more than just court and legal fees. It's likely your insurance rates will go up. The following chart shows what drivers in Nevada can expect to pay for auto insurance getting a DUI.

Average Car Insurance Rates With a DUI

The real cost of a DUI can wreak havoc on your finances. Always remember to not drink and drive.

If you get a ticket for distracted driving, your insurance rates may go up. If you want affordable car rates, don't speed and make sure to focus on the road.

The following table shows the estimated cost of car insurance for drivers in Nevada who recently received a ticket for distracted driving or speeding.

Average Car Insurance Rates With a Ticket

The Insurance Information Institute says that your driving record is taken into account when you secure your auto policy, so being riskier to insure means paying higher premiums. Drive safely to get the best rates.

According to data compiled by Experian, the average FICO score in Nevada is 686. Insurance companies use credit scores to calculate premiums because studies show that credit scores predict the odds a driver will file a claim.

The following estimates show what Nevada drivers with low credit scores might pay for car insurance.

Average Car Insurance Rates for Drivers With Bad Credit

To lower your rates, learn how to raise your credit score and take action to improve it.

In 2017, 14.7% of fatal Nevada car accidents were caused by drivers over the age of 65.

For senior drivers who want affordable car insurance rates, it's important for them to ask for discounts for completing driver safety courses, discounts for driving infrequently and discounts for choosing a safe vehicle.

The following chart shows what seniors in Nevada might pay for car insurance.

Average Car Insurance Rates for Seniors

Nevada requires drivers 65 and older to renew their licenses in person. It's also possible for people to request that the DMV conduct unsafe driver investigations if someone feels a senior driver is a risk on the road.

In Nevada, teens younger than 18 must complete a driver education course (in person or online) and 50 hours of behind-the-wheel training to get a license. If there isn't a driver education course within 30 miles of your home, you can either take an online class or choose to complete 100 hours of behind-the-wheel training instead of a class.

In addition, anyone under age 18 who applies for a license in Nevada must show proof that they qualify as one of the following:

• Are enrolled in high school
• Are excused from attending school because of homeschooling or a disability
• Have completed high school or the equivalent

Young drivers may not transport any passenger under the age of 18, except for immediate family members, for the first six months after the license was issued. In addition, drivers younger than 18 may not drive between the hours of 10:00 p.m. and 5:00 a.m. unless they are traveling to or from a scheduled event such as school events or work, according to the Nevada DMV.

The following table illustrates an estimation of what parents in Nevada can expect to pay for their teen or college-aged student drivers.

Average Car Insurance Rates for Students

According to the U.S. Census Bureau, Nevada has approximately 220,000 veterans and more than 10,000 active-duty military personnel. If you are in the military or a veteran, you may be eligible for discounts or special programs. Some companies, like GEICO, offer discounts of up to 15% for active-duty or retired military members and National Guard troops.

Nevada residents who are stationed in Nevada are subject to the same licensing and vehicle registration requirements as non-military, according to the Nevada DMV. Out-of-state residents on active duty in the U.S. Armed Forces are not required to register their vehicles in Nevada. Spouses are also exempt if the spouse lives in Nevada solely to be with the service member.

The following table provides estimates of what military members and veterans can expect to pay for auto insurance in Nevada.

Average Rates for Nevada service members

25 years$1,541
50 years$1,242

25 years$1,526
50 years$1,265

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About the Author

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Laura Longero is an award-winning journalist who has 15 years of experience in the industry across content creation, writing and editing, communications and storytelling. She spends her free time wrangling her kids, reading and pinching pennies.

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