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Country Financial offers the cheapest car insurance in Nevada for most driver profiles.

If you want the best combination of affordability and quality service, MoneyGeek found the best car insurance companies in the state.

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2023

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Cheapest Minimum Liability Car Insurance in Nevada (November 2023)

On average, MoneyGeek found that the cheapest car insurance company in Nevada for a minimum coverage policy are:

  • Country Financial: $532 per year
  • Capital Insurance Group: $544 per year

Dairyland offers the least affordable auto insurer in the state for minimum coverage. Its annual premium costs around $2,031.

Car insurance that meets the minimum insurance requirements in the state means it only covers bodily injury liability and property damage liability.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$470

$39

Country Financial

$519

$43

Country Financial

$532

$44

Nationwide

$535

$45

Capital Insurance Group

$544

$45

Nationwide

$548

$46

Mercury

$584

$49

Progressive

$630

$52

Progressive

$647

$54

Mercury

$650

$54

State Farm

$674

$56

State Farm

$716

$60

Progressive

$723

$60

Country Financial

$744

$62

GEICO

$753

$63

Travelers

$761

$63

GEICO

$765

$64

Nationwide

$765

$64

Mercury

$796

$66

Travelers

$807

$67

GEICO

$832

$69

Travelers

$869

$72

State Farm

$873

$73

American Family

$878

$73

Capital Insurance Group

$885

$74

American Family

$892

$74

Country Financial

$901

$75

Capital Insurance Group

$917

$76

Country Financial

$951

$79

Farmers

$959

$80

American Family

$967

$81

Nationwide

$995

$83

Farmers

$1,014

$84

Capital Insurance Group

$1,057

$88

Nationwide

$1,080

$90

Mercury

$1,158

$96

Farmers

$1,169

$97

Allstate

$1,201

$100

State Farm

$1,203

$100

Allstate

$1,216

$101

CSAA

$1,242

$103

Kemper

$1,248

$104

American Family

$1,252

$104

Mercury

$1,277

$106

State Farm

$1,290

$108

Nevada General Insurance

$1,307

$109

Country Financial

$1,318

$110

Travelers

$1,326

$111

Travelers

$1,344

$112

American Family

$1,356

$113

Allstate

$1,358

$113

CSAA

$1,372

$114

Nationwide

$1,412

$118

Kemper

$1,417

$118

Progressive

$1,464

$122

Progressive

$1,480

$123

Farmers

$1,483

$124

GEICO

$1,485

$124

GEICO

$1,489

$124

Nevada General Insurance

$1,492

$124

Farmers

$1,499

$125

Nevada General Insurance

$1,512

$126

American Family

$1,529

$127

Travelers

$1,546

$129

State Farm

$1,625

$135

Mercury

$1,637

$136

GEICO

$1,729

$144

Capital Insurance Group

$1,741

$145

CSAA

$1,748

$146

Progressive

$1,781

$148

Farmers

$1,800

$150

Allstate

$1,858

$155

Kemper

$1,897

$158

Dairyland

$1,932

$161

Allstate

$1,946

$162

Dairyland

$2,031

$169

Allstate

$2,083

$174

Dairyland

$2,318

$193

Nevada General Insurance

$2,337

$195

CSAA

$2,621

$218

Nevada General Insurance

$2,649

$221

Kemper

$2,795

$233

Nevada General Insurance

$2,915

$243

CSAA

$2,933

$244

Kemper

$3,530

$294

CSAA

$3,642

$304

Kemper

$3,795

$316

Dairyland

$3,817

$318

Dairyland

$4,200

$350

Dairyland

$4,833

$403

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

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Cheapest Full Coverage Car Insurance in Nevada (November 2023)

On average, the most affordable full coverage auto insurance in Nevada is provided by:

  • Country Financial: $951 per year
  • Capital Insurance Group: $1,057 per year

Dairyland offers the most expensive full coverage insurance in the state at around $4,200 annually.

If you include comprehensive and collision coverage, it increases your yearly premium. For example, State Farm's full coverage option is around $574 more expensive than its minimum coverage option.

Full coverage auto insurance provides more financial protection when you need to file a claim. It protects you from damages caused by on-road accidents and off-road accidents.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$470

$39

Country Financial

$519

$43

Country Financial

$532

$44

Nationwide

$535

$45

Capital Insurance Group

$544

$45

Nationwide

$548

$46

Mercury

$584

$49

Progressive

$630

$52

Progressive

$647

$54

Mercury

$650

$54

State Farm

$674

$56

State Farm

$716

$60

Progressive

$723

$60

Country Financial

$744

$62

GEICO

$753

$63

Travelers

$761

$63

GEICO

$765

$64

Nationwide

$765

$64

Mercury

$796

$66

Travelers

$807

$67

GEICO

$832

$69

Travelers

$869

$72

State Farm

$873

$73

American Family

$878

$73

Capital Insurance Group

$885

$74

American Family

$892

$74

Country Financial

$901

$75

Capital Insurance Group

$917

$76

Country Financial

$951

$79

Farmers

$959

$80

American Family

$967

$81

Nationwide

$995

$83

Farmers

$1,014

$84

Capital Insurance Group

$1,057

$88

Nationwide

$1,080

$90

Mercury

$1,158

$96

Farmers

$1,169

$97

Allstate

$1,201

$100

State Farm

$1,203

$100

Allstate

$1,216

$101

CSAA

$1,242

$103

Kemper

$1,248

$104

American Family

$1,252

$104

Mercury

$1,277

$106

State Farm

$1,290

$108

Nevada General Insurance

$1,307

$109

Country Financial

$1,318

$110

Travelers

$1,326

$111

Travelers

$1,344

$112

American Family

$1,356

$113

Allstate

$1,358

$113

CSAA

$1,372

$114

Nationwide

$1,412

$118

Kemper

$1,417

$118

Progressive

$1,464

$122

Progressive

$1,480

$123

Farmers

$1,483

$124

GEICO

$1,485

$124

GEICO

$1,489

$124

Nevada General Insurance

$1,492

$124

Farmers

$1,499

$125

Nevada General Insurance

$1,512

$126

American Family

$1,529

$127

Travelers

$1,546

$129

State Farm

$1,625

$135

Mercury

$1,637

$136

GEICO

$1,729

$144

Capital Insurance Group

$1,741

$145

CSAA

$1,748

$146

Progressive

$1,781

$148

Farmers

$1,800

$150

Allstate

$1,858

$155

Kemper

$1,897

$158

Dairyland

$1,932

$161

Allstate

$1,946

$162

Dairyland

$2,031

$169

Allstate

$2,083

$174

Dairyland

$2,318

$193

Nevada General Insurance

$2,337

$195

CSAA

$2,621

$218

Nevada General Insurance

$2,649

$221

Kemper

$2,795

$233

Nevada General Insurance

$2,915

$243

CSAA

$2,933

$244

Kemper

$3,530

$294

CSAA

$3,642

$304

Kemper

$3,795

$316

Dairyland

$3,817

$318

Dairyland

$4,200

$350

Dairyland

$4,833

$403

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 are in an accident.

How to Compare Cheap Nevada Car Insurance Quotes Online

Different car insurance providers generate quotes online, but this requires you to give personal information. It may also take up to 15 minutes to complete this process.

Comparing rates will also require you to submit your information to different insurance websites, which also means additional time.

On the other hand, MoneyGeek provides a car insurance calculator to help you see quick estimates without giving your information to different insurers. This can serve as a starting point to help you find the cheapest insurance for your profile.

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Cheapest Car Insurance in Nevada by Age (November 2023)

Age is one of the biggest factors affecting car insurance rates in Nevada. MoneyGeek found that Nationwide offers the cheapest options, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Nationwide
Cheapest for young adults: Country Financial
Cheapest for seniors: Capital Insurance Group

Cheapest Car Insurance in Nevada for Teens and Their Families (November 2023)

On average, these insurers offer the most affordable auto insurance for teens on a parent’s policy in Nevada:

  • Nationwide: $2,572 per year for male teens and $2,388 per year for female teens
  • Allstate: $3,771 per year for male teens; State Farm: $3.061 for female teens

Kemper charges the most for most teens, averaging $6,238 per year for male teens and $5,958 per year for female teens.

These rates are for 16-year-old teens on their parent’s policy. It is usually cheaper to add a teen to your policy than to buy separate coverage for them.

Car insurance rates for teens significantly decrease as they get older, with 19-year-olds getting the lowest rate overall. Nevada's cheapest car insurance provider for 19-year-old males is Nationwide ($2,276).

A 16-year-old male Nevada resident might pay $9,872 per year for individual insurance vs. $4,722 if he’s added to his parent’s policy. This is a difference of $5,150.

provider
Family Plan Annual Premium
Individual Plan Annual Premium

Nationwide

$1,386

$1,721

Nationwide

$1,413

$1,843

Capital Insurance Group

$1,460

$1,434

State Farm

$1,472

$1,491

Nationwide

$1,566

$2,454

Nationwide

$1,587

$1,971

Nationwide

$1,588

$2,678

State Farm

$1,611

$1,632

State Farm

$1,612

$1,633

Travelers

$1,630

$1,990

Nationwide

$1,634

$2,132

Nationwide

$1,676

$2,081

Travelers

$1,696

$2,089

Nationwide

$1,724

$2,250

State Farm

$1,744

$1,767

State Farm

$1,792

$1,816

Allstate

$1,796

$5,580

Farmers

$1,820

$1,863

Farmers

$1,831

$1,961

Travelers

$1,838

$2,246

Nationwide

$1,845

$2,291

State Farm

$1,850

$2,107

Allstate

$1,886

$1,986

Travelers

$1,893

$2,313

Allstate

$1,905

$1,999

Nationwide

$1,907

$2,489

Allstate

$1,921

$2,643

State Farm

$1,928

$1,953

Travelers

$1,931

$2,378

Nationwide

$1,947

$3,052

Travelers

$1,959

$2,691

Nationwide

$1,960

$4,026

State Farm

$1,975

$2,000

Nationwide

$2,002

$3,376

Travelers

$2,015

$2,462

Allstate

$2,052

$2,162

Travelers

$2,082

$2,564

State Farm

$2,103

$2,395

Nationwide

$2,104

$4,553

Nationwide

$2,137

$3,349

Allstate

$2,160

$2,970

Nationwide

$2,163

$4,441

State Farm

$2,181

$2,479

Allstate

$2,193

$3,102

Progressive

$2,200

$1,844

State Farm

$2,217

$2,246

Allstate

$2,219

$2,327

Capital Insurance Group

$2,251

$2,217

Allstate

$2,258

$2,377

Nationwide

$2,276

$3,839

GEICO

$2,293

$1,469

Travelers

$2,306

$3,212

Nationwide

$2,323

$5,027

Travelers

$2,324

$3,192

Travelers

$2,325

$2,863

GEICO

$2,326

$1,490

State Farm

$2,357

$2,684

State Farm

$2,367

$3,050

Nationwide

$2,388

$4,903

Capital Insurance Group

$2,396

$2,353

Allstate

$2,408

$7,113

Allstate

$2,444

$2,572

GEICO

$2,445

$1,566

GEICO

$2,483

$1,901

Travelers

$2,504

$4,828

Allstate

$2,509

$2,629

State Farm

$2,535

$2,881

GEICO

$2,539

$1,943

Progressive

$2,548

$2,032

Allstate

$2,551

$7,922

Capital Insurance Group

$2,552

$2,514

Capital Insurance Group

$2,559

$2,514

Nationwide

$2,572

$5,564

Progressive

$2,573

$2,156

Capital Insurance Group

$2,642

$3,545

GEICO

$2,643

$2,023

GEICO

$2,665

$2,856

Allstate

$2,678

$3,785

Capital Insurance Group

$2,683

$2,643

State Farm

$2,692

$3,468

Allstate

$2,708

$2,837

GEICO

$2,720

$2,431

Allstate

$2,747

$3,774

Travelers

$2,747

$3,774

Capital Insurance Group

$2,755

$2,691

Progressive

$2,760

$3,181

Kemper

$2,768

$4,727

Capital Insurance Group

$2,778

$2,737

Capital Insurance Group

$2,786

$2,737

Capital Insurance Group

$2,800

$3,783

Travelers

$2,812

$3,915

Capital Insurance Group

$2,821

$3,783

Progressive

$2,826

$3,119

Capital Insurance Group

$2,885

$2,860

State Farm

$2,890

$3,284

Progressive

$2,898

$2,428

Progressive

$2,902

$2,314

Farmers

$2,932

$3,533

State Farm

$2,932

$3,751

Farmers

$2,956

$8,915

Allstate

$3,057

$4,320

State Farm

$3,061

$3,943

Kemper

$3,066

$5,781

Farmers

$3,075

$3,147

Capital Insurance Group

$3,100

$3,073

Farmers

$3,110

$9,685

Progressive

$3,118

$2,486

Farmers

$3,123

$3,196

Farmers

$3,127

$3,876

Capital Insurance Group

$3,147

$3,073

Farmers

$3,149

$3,371

Travelers

$3,152

$6,164

Farmers

$3,171

$3,821

Travelers

$3,174

$6,120

Capital Insurance Group

$3,184

$4,302

Allstate

$3,222

$9,508

Farmers

$3,243

$3,472

Farmers

$3,255

$9,815

Progressive

$3,297

$2,762

Farmers

$3,302

$3,380

Farmers

$3,313

$4,106

Capital Insurance Group

$3,329

$3,300

State Farm

$3,353

$4,289

GEICO

$3,360

$2,572

Kemper

$3,370

$3,219

Capital Insurance Group

$3,379

$3,300

Kemper

$3,399

$3,716

Farmers

$3,403

$4,101

GEICO

$3,405

$5,834

Travelers

$3,405

$4,741

GEICO

$3,424

$2,193

Progressive

$3,443

$3,801

Farmers

$3,458

$10,770

Farmers

$3,476

$3,722

Allstate

$3,491

$10,836

Farmers

$3,546

$4,396

Progressive

$3,604

$2,873

Progressive

$3,620

$4,172

GEICO

$3,704

$3,965

Allstate

$3,771

$11,132

GEICO

$3,811

$3,401

State Farm

$3,816

$4,881

GEICO

$3,860

$6,641

Progressive

$3,955

$4,365

Capital Insurance Group

$3,990

$5,391

GEICO

$3,996

$6,848

Kemper

$4,020

$3,532

Kemper

$4,038

$3,219

Kemper

$4,038

$3,219

Kemper

$4,038

$3,219

GEICO

$4,050

$4,335

Travelers

$4,060

$7,938

Progressive

$4,135

$4,764

GEICO

$4,187

$3,737

Kemper

$4,228

$3,716

Kemper

$4,228

$3,716

Kemper

$4,228

$3,716

Kemper

$4,248

$3,385

Farmers

$4,248

$12,810

Travelers

$4,328

$8,344

Kemper

$4,422

$4,222

Kemper

$4,422

$4,222

Capital Insurance Group

$4,432

$5,944

GEICO

$4,467

$7,684

Progressive

$4,469

$10,720

Farmers

$4,551

$14,172

Progressive

$4,716

$11,643

Kemper

$4,720

$5,157

Kemper

$4,720

$5,157

Kemper

$5,152

$8,799

Kemper

$5,382

$10,143

Progressive

$5,539

$13,281

Progressive

$5,616

$13,470

GEICO

$5,618

$9,665

Travelers

$5,642

$11,032

Progressive

$5,878

$14,506

GEICO

$5,955

$10,201

Kemper

$5,958

$10,176

Progressive

$5,963

$14,719

Kemper

$6,238

$11,756

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.

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

Cheapest Car Insurance in Nevada for Young Adults (November 2023)

On average, the cheapest car insurance companies for Nevada drivers in their 20s are:

  • Country Financial: $1,318 per year
  • Nationwide: $1,412 per year

Dairyland offers the most expensive car insurance for young adults averaging $4,833 per year.

Young adults pay around $367 more for insurance from the cheapest provider than middle-aged drivers.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$470

$39

Country Financial

$519

$43

Country Financial

$532

$44

Nationwide

$535

$45

Capital Insurance Group

$544

$45

Nationwide

$548

$46

Mercury

$584

$49

Progressive

$630

$52

Progressive

$647

$54

Mercury

$650

$54

State Farm

$674

$56

State Farm

$716

$60

Progressive

$723

$60

Country Financial

$744

$62

GEICO

$753

$63

Travelers

$761

$63

GEICO

$765

$64

Nationwide

$765

$64

Mercury

$796

$66

Travelers

$807

$67

GEICO

$832

$69

Travelers

$869

$72

State Farm

$873

$73

American Family

$878

$73

Capital Insurance Group

$885

$74

American Family

$892

$74

Country Financial

$901

$75

Capital Insurance Group

$917

$76

Country Financial

$951

$79

Farmers

$959

$80

American Family

$967

$81

Nationwide

$995

$83

Farmers

$1,014

$84

Capital Insurance Group

$1,057

$88

Nationwide

$1,080

$90

Mercury

$1,158

$96

Farmers

$1,169

$97

Allstate

$1,201

$100

State Farm

$1,203

$100

Allstate

$1,216

$101

CSAA

$1,242

$103

Kemper

$1,248

$104

American Family

$1,252

$104

Mercury

$1,277

$106

State Farm

$1,290

$108

Nevada General Insurance

$1,307

$109

Country Financial

$1,318

$110

Travelers

$1,326

$111

Travelers

$1,344

$112

American Family

$1,356

$113

Allstate

$1,358

$113

CSAA

$1,372

$114

Nationwide

$1,412

$118

Kemper

$1,417

$118

Progressive

$1,464

$122

Progressive

$1,480

$123

Farmers

$1,483

$124

GEICO

$1,485

$124

GEICO

$1,489

$124

Nevada General Insurance

$1,492

$124

Farmers

$1,499

$125

Nevada General Insurance

$1,512

$126

American Family

$1,529

$127

Travelers

$1,546

$129

State Farm

$1,625

$135

Mercury

$1,637

$136

GEICO

$1,729

$144

Capital Insurance Group

$1,741

$145

CSAA

$1,748

$146

Progressive

$1,781

$148

Farmers

$1,800

$150

Allstate

$1,858

$155

Kemper

$1,897

$158

Dairyland

$1,932

$161

Allstate

$1,946

$162

Dairyland

$2,031

$169

Allstate

$2,083

$174

Dairyland

$2,318

$193

Nevada General Insurance

$2,337

$195

CSAA

$2,621

$218

Nevada General Insurance

$2,649

$221

Kemper

$2,795

$233

Nevada General Insurance

$2,915

$243

CSAA

$2,933

$244

Kemper

$3,530

$294

CSAA

$3,642

$304

Kemper

$3,795

$316

Dairyland

$3,817

$318

Dairyland

$4,200

$350

Dairyland

$4,833

$403

Cheapest Car Insurance in Nevada for Seniors (November 2023)

On average, senior drivers can get the most affordable car insurance from these insurers:

  • Capital Insurance Group: $885 per year
  • Country Financial: $901 per year

Dairyland offers the least affordable auto insurance rates for seniors, averaging $3,817 per year.

With the cheapest insurer for seniors, Nevada residents in their 60s pay less than middle-aged drivers by around $66 per year. However, as you age and reach your 70s and 80s, insurance rates will increase.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$470

$39

Country Financial

$519

$43

Country Financial

$532

$44

Nationwide

$535

$45

Capital Insurance Group

$544

$45

Nationwide

$548

$46

Mercury

$584

$49

Progressive

$630

$52

Progressive

$647

$54

Mercury

$650

$54

State Farm

$674

$56

State Farm

$716

$60

Progressive

$723

$60

Country Financial

$744

$62

GEICO

$753

$63

Travelers

$761

$63

GEICO

$765

$64

Nationwide

$765

$64

Mercury

$796

$66

Travelers

$807

$67

GEICO

$832

$69

Travelers

$869

$72

State Farm

$873

$73

American Family

$878

$73

Capital Insurance Group

$885

$74

American Family

$892

$74

Country Financial

$901

$75

Capital Insurance Group

$917

$76

Country Financial

$951

$79

Farmers

$959

$80

American Family

$967

$81

Nationwide

$995

$83

Farmers

$1,014

$84

Capital Insurance Group

$1,057

$88

Nationwide

$1,080

$90

Mercury

$1,158

$96

Farmers

$1,169

$97

Allstate

$1,201

$100

State Farm

$1,203

$100

Allstate

$1,216

$101

CSAA

$1,242

$103

Kemper

$1,248

$104

American Family

$1,252

$104

Mercury

$1,277

$106

State Farm

$1,290

$108

Nevada General Insurance

$1,307

$109

Country Financial

$1,318

$110

Travelers

$1,326

$111

Travelers

$1,344

$112

American Family

$1,356

$113

Allstate

$1,358

$113

CSAA

$1,372

$114

Nationwide

$1,412

$118

Kemper

$1,417

$118

Progressive

$1,464

$122

Progressive

$1,480

$123

Farmers

$1,483

$124

GEICO

$1,485

$124

GEICO

$1,489

$124

Nevada General Insurance

$1,492

$124

Farmers

$1,499

$125

Nevada General Insurance

$1,512

$126

American Family

$1,529

$127

Travelers

$1,546

$129

State Farm

$1,625

$135

Mercury

$1,637

$136

GEICO

$1,729

$144

Capital Insurance Group

$1,741

$145

CSAA

$1,748

$146

Progressive

$1,781

$148

Farmers

$1,800

$150

Allstate

$1,858

$155

Kemper

$1,897

$158

Dairyland

$1,932

$161

Allstate

$1,946

$162

Dairyland

$2,031

$169

Allstate

$2,083

$174

Dairyland

$2,318

$193

Nevada General Insurance

$2,337

$195

CSAA

$2,621

$218

Nevada General Insurance

$2,649

$221

Kemper

$2,795

$233

Nevada General Insurance

$2,915

$243

CSAA

$2,933

$244

Kemper

$3,530

$294

CSAA

$3,642

$304

Kemper

$3,795

$316

Dairyland

$3,817

$318

Dairyland

$4,200

$350

Dairyland

$4,833

$403

Seniors who want to save money on car insurance might be able to get discounts. Allstate, American Family, Farmers, GEICO, Kemper and Mercury all offer senior driver discounts.

Cheapest Car Insurance for Higher Risk Drivers (November 2023)

Auto insurance providers frequently charge drivers with traffic violations on their records. Country Financial charges the lowest rates for drivers with tickets or at-fault accidents on their record in Nevada. State Farm offers the best price for those with DUI records.

For people with poor credit and drivers of sports cars, Capital Insurance Group is cheapest.

CHEAPEST FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Country Financial ($1,201 per year)
Cheapest after an accident: Country Financial ($1,359 per year)
Cheapest after a DUI: State Farm ($1,428 per year)
Cheapest for poor credit: Capital Insurance Group ($1,416 per year)
Cheapest for sports cars: Capital Insurance Group ($1,108 per year)

Cheapest Car Insurance in Nevada After a Ticket

On average, these auto insurance companies offer the most affordable full coverage policies in Nevada for drivers with tickets:

  • Country Financial: $1,201 per year
  • Nationwide: $1,244 per year

The most expensive insurer is Dairyland, averaging $5,705 per year.

Getting a ticket in Nevada means you could pay $532 more per year than drivers without tickets.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$615

$51

Nationwide

$625

$52

Nationwide

$639

$53

Country Financial

$662

$55

Country Financial

$679

$57

Capital Insurance Group

$711

$59

State Farm

$749

$62

State Farm

$796

$66

Mercury

$802

$67

Progressive

$819

$68

Nationwide

$855

$71

Progressive

$895

$75

Progressive

$923

$77

Country Financial

$949

$79

State Farm

$970

$81

Mercury

$1,008

$84

Mercury

$1,012

$84

Travelers

$1,065

$89

GEICO

$1,080

$90

GEICO

$1,092

$91

Travelers

$1,114

$93

Country Financial

$1,142

$95

Nationwide

$1,159

$97

Capital Insurance Group

$1,173

$98

Country Financial

$1,201

$100

Farmers

$1,204

$100

Travelers

$1,209

$101

American Family

$1,211

$101

Capital Insurance Group

$1,215

$101

American Family

$1,233

$103

GEICO

$1,233

$103

Nationwide

$1,244

$104

Farmers

$1,273

$106

Allstate

$1,329

$111

State Farm

$1,332

$111

Allstate

$1,346

$112

American Family

$1,347

$112

Kemper

$1,392

$116

Capital Insurance Group

$1,403

$117

Farmers

$1,417

$118

State Farm

$1,428

$119

Nevada General Insurance

$1,495

$125

Allstate

$1,511

$126

Kemper

$1,549

$129

Nationwide

$1,576

$131

Mercury

$1,624

$135

CSAA

$1,626

$136

Country Financial

$1,671

$139

Nevada General Insurance

$1,707

$142

American Family

$1,727

$144

Nevada General Insurance

$1,729

$144

State Farm

$1,799

$150

American Family

$1,875

$156

Farmers

$1,896

$158

Travelers

$1,900

$158

Farmers

$1,939

$162

CSAA

$1,982

$165

Mercury

$1,989

$166

Progressive

$2,001

$167

Travelers

$2,041

$170

Travelers

$2,072

$173

Kemper

$2,077

$173

Allstate

$2,083

$174

Mercury

$2,103

$175

Progressive

$2,105

$175

American Family

$2,125

$177

Allstate

$2,184

$182

Farmers

$2,216

$185

GEICO

$2,228

$186

GEICO

$2,252

$188

CSAA

$2,331

$194

Progressive

$2,332

$194

Capital Insurance Group

$2,346

$196

Allstate

$2,347

$196

GEICO

$2,575

$215

Nevada General Insurance

$2,620

$218

Dairyland

$2,810

$234

Dairyland

$2,852

$238

Nevada General Insurance

$2,971

$248

Dairyland

$3,097

$258

Nevada General Insurance

$3,254

$271

Kemper

$3,371

$281

CSAA

$3,476

$290

Kemper

$3,851

$321

Kemper

$4,144

$345

CSAA

$4,189

$349

CSAA

$4,881

$407

Dairyland

$5,705

$475

Dairyland

$5,895

$491

Dairyland

$6,000

$500

Cheapest Car Insurance in Nevada After an Accident

On average, these are the cheapest full coverage insurance providers in Nevada for drivers with an at-fault accident:

  • Country Financial: $1,359 per year
  • Capital Insurance Group: $1,532 per year

Dairyland is the least affordable for drivers with at-fault accidents, costing a yearly average of $7,049.

Our average rate calculations show that having an at-fault accident increases your annual premium by up to $1,087.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$648

$54

Capital Insurance Group

$743

$62

Country Financial

$805

$67

State Farm

$824

$69

Country Financial

$849

$71

Nationwide

$861

$72

State Farm

$875

$73

Nationwide

$878

$73

State Farm

$1,066

$89

Country Financial

$1,068

$89

Progressive

$1,106

$92

Travelers

$1,122

$93

Nationwide

$1,143

$95

Travelers

$1,174

$98

American Family

$1,200

$100

Mercury

$1,215

$101

Progressive

$1,216

$101

Progressive

$1,226

$102

Travelers

$1,278

$107

Capital Insurance Group

$1,282

$107

Capital Insurance Group

$1,285

$107

GEICO

$1,333

$111

Country Financial

$1,359

$113

GEICO

$1,363

$114

Country Financial

$1,393

$116

American Family

$1,411

$118

American Family

$1,436

$120

State Farm

$1,462

$122

Mercury

$1,469

$122

Capital Insurance Group

$1,532

$128

GEICO

$1,533

$128

Allstate

$1,545

$129

Farmers

$1,553

$129

Mercury

$1,559

$130

State Farm

$1,566

$130

Allstate

$1,567

$131

Nationwide

$1,579

$132

Farmers

$1,673

$139

Nevada General Insurance

$1,682

$140

Nationwide

$1,684

$140

Allstate

$1,772

$148

Farmers

$1,786

$149

Country Financial

$1,806

$150

American Family

$1,906

$159

Nevada General Insurance

$1,921

$160

Nevada General Insurance

$1,946

$162

State Farm

$1,973

$164

Travelers

$1,988

$166

American Family

$1,993

$166

Kemper

$2,028

$169

CSAA

$2,055

$171

Nationwide

$2,090

$174

Travelers

$2,135

$178

American Family

$2,153

$179

Travelers

$2,174

$181

Kemper

$2,261

$188

Mercury

$2,365

$197

Farmers

$2,377

$198

Allstate

$2,447

$204

Farmers

$2,478

$206

CSAA

$2,524

$210

Allstate

$2,564

$214

Capital Insurance Group

$2,585

$215

Progressive

$2,701

$225

Farmers

$2,726

$227

GEICO

$2,764

$230

Allstate

$2,776

$231

GEICO

$2,803

$234

Progressive

$2,881

$240

Nevada General Insurance

$2,946

$246

Mercury

$2,947

$246

Mercury

$2,960

$247

CSAA

$2,983

$249

Kemper

$3,049

$254

Progressive

$3,085

$257

GEICO

$3,203

$267

Nevada General Insurance

$3,341

$278

Dairyland

$3,450

$288

Dairyland

$3,482

$290

Nevada General Insurance

$3,659

$305

Dairyland

$3,991

$333

CSAA

$4,426

$369

Kemper

$4,808

$401

CSAA

$5,351

$446

Kemper

$5,472

$456

Kemper

$6,008

$501

CSAA

$6,254

$521

Dairyland

$7,049

$587

Dairyland

$7,098

$592

Dairyland

$7,755

$646

Cheapest Car Insurance in Nevada After a DUI

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

  • State Farm: $1,428 per year
  • Country Financial: $1,667 per year

The least affordable insurer for drivers with DUI on record is Dairyland, costing a yearly average of $6,182.

A DUI may increase your annual premium by up to $1,035 in the state.

Company
Annual Premium
Monthly Premium

State Farm

$749

$62

State Farm

$796

$66

Progressive

$878

$73

Capital Insurance Group

$905

$75

Country Financial

$948

$79

Progressive

$952

$79

State Farm

$970

$81

Country Financial

$977

$81

Progressive

$980

$82

Capital Insurance Group

$1,050

$88

Mercury

$1,065

$89

Nationwide

$1,192

$99

Nationwide

$1,209

$101

Mercury

$1,272

$106

Travelers

$1,313

$109

American Family

$1,326

$110

State Farm

$1,332

$111

Country Financial

$1,370

$114

Mercury

$1,371

$114

Travelers

$1,373

$114

State Farm

$1,428

$119

Kemper

$1,451

$121

Nationwide

$1,474

$123

Travelers

$1,491

$124

Nevada General Insurance

$1,495

$125

Farmers

$1,578

$131

Country Financial

$1,582

$132

Allstate

$1,608

$134

Kemper

$1,616

$135

Allstate

$1,632

$136

American Family

$1,654

$138

Country Financial

$1,667

$139

American Family

$1,684

$140

Nevada General Insurance

$1,707

$142

Capital Insurance Group

$1,710

$143

Farmers

$1,728

$144

Nevada General Insurance

$1,729

$144

CSAA

$1,742

$145

Farmers

$1,793

$149

State Farm

$1,799

$150

Capital Insurance Group

$1,805

$150

Allstate

$1,846

$154

GEICO

$1,922

$160

GEICO

$1,922

$160

Capital Insurance Group

$2,052

$171

GEICO

$2,071

$173

Mercury

$2,095

$175

CSAA

$2,129

$177

Progressive

$2,142

$178

American Family

$2,147

$179

Kemper

$2,169

$181

Nationwide

$2,180

$182

Progressive

$2,260

$188

Nationwide

$2,285

$190

Travelers

$2,308

$192

Country Financial

$2,327

$194

Farmers

$2,412

$201

Progressive

$2,462

$205

Travelers

$2,472

$206

American Family

$2,493

$208

CSAA

$2,507

$209

Travelers

$2,524

$210

Farmers

$2,566

$214

Mercury

$2,569

$214

Allstate

$2,577

$215

Nevada General Insurance

$2,620

$218

Mercury

$2,631

$219

Nationwide

$2,691

$224

Allstate

$2,705

$225

American Family

$2,725

$227

Farmers

$2,736

$228

Allstate

$2,924

$244

Nevada General Insurance

$2,971

$248

Dairyland

$3,081

$257

Dairyland

$3,105

$259

Nevada General Insurance

$3,254

$271

Kemper

$3,449

$287

Dairyland

$3,464

$289

Capital Insurance Group

$3,472

$289

CSAA

$3,737

$311

Kemper

$3,938

$328

GEICO

$3,958

$330

GEICO

$4,053

$338

GEICO

$4,234

$353

Kemper

$4,266

$356

CSAA

$4,506

$375

CSAA

$5,256

$438

Dairyland

$6,182

$515

Dairyland

$6,333

$528

Dairyland

$6,641

$553

Cheapest Car Insurance in Nevada for Drivers With Poor Credit (November 2023)

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

  • Capital Insurance Group: $1,416 per year
  • Nationwide: $1,433 per year

If you have a poor credit score, Dairyland charges more than any other insurance company at around $5,209 per year.

Your credit score plays an important role when computing your rates. If it’s below 580, you might pay $778 more for auto insurance in the state compared with someone with a credit score of 750 or higher.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$631

$53

Nationwide

$694

$58

Nationwide

$713

$59

Capital Insurance Group

$734

$61

Country Financial

$811

$68

Country Financial

$833

$69

Mercury

$850

$71

Progressive

$920

$77

Mercury

$924

$77

Progressive

$949

$79

Nationwide

$1,002

$84

Progressive

$1,065

$89

GEICO

$1,104

$92

GEICO

$1,118

$93

Mercury

$1,134

$94

Country Financial

$1,166

$97

Capital Insurance Group

$1,186

$99

Travelers

$1,211

$101

GEICO

$1,242

$103

Capital Insurance Group

$1,246

$104

Travelers

$1,267

$106

American Family

$1,293

$108

Nevada General Insurance

$1,307

$109

Nationwide

$1,309

$109

American Family

$1,315

$110

Travelers

$1,378

$115

Country Financial

$1,386

$115

Farmers

$1,411

$118

Capital Insurance Group

$1,416

$118

Nationwide

$1,433

$119

American Family

$1,435

$120

Kemper

$1,451

$121

Country Financial

$1,458

$121

State Farm

$1,463

$122

Nevada General Insurance

$1,492

$124

Farmers

$1,494

$125

Nevada General Insurance

$1,512

$126

State Farm

$1,555

$130

Farmers

$1,723

$144

Mercury

$1,728

$144

CSAA

$1,741

$145

Allstate

$1,746

$146

Allstate

$1,772

$148

American Family

$1,847

$154

Mercury

$1,862

$155

Kemper

$1,879

$157

Nationwide

$1,887

$157

State Farm

$1,895

$158

Kemper

$1,935

$161

American Family

$1,996

$166

Allstate

$2,016

$168

Country Financial

$2,034

$169

CSAA

$2,086

$174

Travelers

$2,097

$175

Travelers

$2,153

$179

Progressive

$2,228

$186

Progressive

$2,253

$188

American Family

$2,255

$188

GEICO

$2,279

$190

GEICO

$2,280

$190

CSAA

$2,315

$193

Nevada General Insurance

$2,337

$195

Capital Insurance Group

$2,340

$195

Dairyland

$2,387

$199

Farmers

$2,390

$199

Mercury

$2,396

$200

Farmers

$2,430

$203

Travelers

$2,449

$204

Dairyland

$2,515

$210

State Farm

$2,612

$218

Nevada General Insurance

$2,649

$221

GEICO

$2,661

$222

Progressive

$2,726

$227

State Farm

$2,802

$233

Dairyland

$2,866

$239

Allstate

$2,872

$239

Farmers

$2,903

$242

Nevada General Insurance

$2,915

$243

Allstate

$3,018

$252

Allstate

$3,261

$272

State Farm

$3,527

$294

Kemper

$3,681

$307

CSAA

$3,820

$318

Kemper

$3,864

$322

CSAA

$4,507

$376

Kemper

$4,609

$384

Dairyland

$4,718

$393

CSAA

$4,919

$410

Dairyland

$5,209

$434

Dairyland

$5,986

$499

Car insurance providers determined that drivers with poor credit scores are highly likely to file claims, so they charge these drivers higher premiums. Not all states can determine premiums based on credit scores, but Nevada can.

When you improve your credit score, it helps lower your insurance rates. You may also comparison shop or find insurers who offer common discounts to save money.

Cheapest Car Insurance in Nevada for Sports Cars (November 2023)

On average, Nevada drivers with sports cars may fare best with these insurers who offer the least expensive car insurance:

  • Capital Insurance Group: $1,108 per year
  • Travelers: $1,220 per year

The most expensive insurer for a sports car is Dairyland, with an annual average premium of $4,127.

Sports cars usually have higher costs for repairs and replacements than standard vehicles. However, in Nevada, you’ll pay around $4 less per year to insure a sports car vs. a Toyota Camry LE.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$470

$39

Country Financial

$519

$43

Country Financial

$532

$44

Nationwide

$535

$45

Capital Insurance Group

$544

$45

Nationwide

$548

$46

Mercury

$584

$49

Progressive

$630

$52

Progressive

$647

$54

Mercury

$650

$54

State Farm

$674

$56

State Farm

$716

$60

Progressive

$723

$60

Country Financial

$744

$62

GEICO

$753

$63

Travelers

$761

$63

GEICO

$765

$64

Nationwide

$765

$64

Mercury

$796

$66

Travelers

$807

$67

GEICO

$832

$69

Travelers

$869

$72

State Farm

$873

$73

American Family

$878

$73

American Family

$892

$74

Capital Insurance Group

$917

$76

Capital Insurance Group

$920

$77

Farmers

$959

$80

American Family

$967

$81

Farmers

$1,014

$84

Capital Insurance Group

$1,108

$92

Nationwide

$1,144

$95

Farmers

$1,169

$97

American Family

$1,190

$99

Allstate

$1,201

$100

Allstate

$1,216

$101

Travelers

$1,220

$102

Travelers

$1,235

$103

CSAA

$1,242

$103

Kemper

$1,248

$104

Nationwide

$1,258

$105

Farmers

$1,273

$106

American Family

$1,278

$107

Farmers

$1,282

$107

Nevada General Insurance

$1,307

$109

Allstate

$1,358

$113

CSAA

$1,372

$114

Kemper

$1,417

$118

GEICO

$1,417

$118

State Farm

$1,417

$118

American Family

$1,433

$119

Travelers

$1,435

$120

GEICO

$1,489

$124

Nevada General Insurance

$1,492

$124

Nevada General Insurance

$1,512

$126

State Farm

$1,521

$127

Farmers

$1,552

$129

Nationwide

$1,645

$137

Progressive

$1,662

$138

GEICO

$1,707

$142

CSAA

$1,748

$146

Progressive

$1,795

$150

Capital Insurance Group

$1,797

$150

Allstate

$1,797

$150

Kemper

$1,897

$158

Allstate

$1,899

$158

Dairyland

$1,932

$161

State Farm

$1,933

$161

Allstate

$1,989

$166

Dairyland

$2,031

$169

Progressive

$2,276

$190

Dairyland

$2,318

$193

Kemper

$2,817

$235

Kemper

$3,215

$268

Kemper

$3,493

$291

Dairyland

$3,717

$310

Dairyland

$4,127

$344

Dairyland

$4,752

$396

MoneyGeek used a Ford Mustang for the quotes previously stated. Car insurance rates change depending on the car model. Luxury, electric, hybrid and sports cars are usually more expensive to insure than other model types. However, this might not be true in your state.

Cheapest Car Insurance in Nevada for Military Drivers (November 2023)

For current military members and veterans, the most affordable insurer is Country Financial, costing an annual average of $951.

USAA is the second-cheapest insurer with an annual premium of $1,137.

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MoneyGeek Top Pick
Country Financial
  • $951 per year

Country Financial offers roadside assistance, rental car and/or travel reimbursement and rideshare insurance to military members and their families.

Cheapest Car Insurance in Nevada by City

Car insurance rates change based on different factors, including the city you live in. If you live in an area with higher rates of theft, vandalism or accidents, you’re more likely to file insurance claims. Consequently, you’ll pay higher premiums.

MoneyGeek found that Reno has the most affordable auto insurance in Nevada, provided by Capital Insurance Group at a yearly average of $876.

Sunrise Manor has the most expensive car insurance rates. The average yearly premium is $1,571 and is offered by Capital Insurance Group.

We listed cities in Nevada to help you compare car insurance rates by location.

City
Cheapest Company
Annual Premium

Enterprise

Capital Insurance Group

$1,408

Henderson

Capital Insurance Group

$1,207

Las Vegas

Capital Insurance Group

$1,311

North Las Vegas

Capital Insurance Group

$1,521

Paradise

Capital Insurance Group

$1,376

Reno

Capital Insurance Group

$876

Sparks

Capital Insurance Group

$954

Spring Valley

Capital Insurance Group

$1,488

Sunrise Manor

Capital Insurance Group

$1,571

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 it might not offer enough 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.

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    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.

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    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 damages 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.

FAQs About Car Insurance in Nevada

If you are looking for car insurance, you might have questions about cost and quality. MoneyGeek answers the most commonly asked questions about car insurance in Nevada.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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