Cheapest Car Insurance In Nevada (2024)
The cheapest car insurance in Nevada comes from Travelers at $57 per month on average.
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As car insurance costs go up, it’s a wise move for drivers in Nevada to compare different policies and find the cheapest coverage. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
n this review, we will tell you the most effective methods to save money on insurance and where you can find the least expensive car insurance in Nevada that matches your driving profile.
Key Points
- Travelers is the cheapest car insurance company in Nevada overall, with an average rate of $57 per month or minimum coverage and $147 per month for full coverage.
- USAA and GEICO also offer affordable car insurance rates for many driver profiles.
- If you are under 25 or have past traffic violations, your car insurance rates will be higher than average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Car insurance companies each have their own way of analyzing driver information, which means that the insurance company that offers the lowest prices for one driver may not be the cheapest option for you. To give you an idea, here is an overview of the least expensive car insurance providers and their rates for various driver profiles in Nevada.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | Travelers | $57 | $679 |
| Full coverage | Travelers | $147 | $1,759 |
| 16-year-olds | GEICO | $224 | $2,689 |
| 45-year-olds | USAA | $52 | $619 |
| High-risk drivers | Travelers | $73 | $880 |
| After a speeding ticket | Travelers | $68 | $810 |
| After an accident | Travelers | $73 | $876 |
| After a DUI | Travelers | $79 | $953 |
| Poor credit drivers | Travelers | $57 | $679 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with good credit and a clean driving history.
What Is The Cheapest Car Insurance Company In Nevada?
In general, we discovered that Travelers provides the most affordable car insurance in Nevada for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Nevada.
These rates apply to drivers in Nevada with various ages, locations, and driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Nevada: Travelers
Drivers looking for the most affordable coverage that just meets Nevada state minimum requirements may find it at Travelers for about $57 per month or $679 per year on average.
| Cheapest Car Insurance in Nevada | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Travelers | $57 | $679 |
| USAA | $61 | $728 |
| GEICO | $67 | $800 |
| State Farm | $81 | $976 |
| Progressive | $87 | $1,045 |
| American Family | $119 | $1,430 |
| Allstate | $126 | $1,515 |
| Farmers | $135 | $1,625 |
| AAA | $138 | $1,660 |
| Key | $342 | $4,110 |
Cheapest Full Coverage In Nevada: Travelers
If you want the best coverage that is both comprehensive and affordable, Travelers is the top choice. The provider offers full-coverage insurance for an average of $147 per month.
Full-coverage insurance policies in Nevada generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Nevada | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Travelers | $147 | $1,759 |
| GEICO | $168 | $2,022 |
| USAA | $183 | $2,196 |
| State Farm | $208 | $2,493 |
| American Family | $259 | $3,113 |
| Progressive | $267 | $3,203 |
| Allstate | $279 | $3,352 |
| Farmers | $313 | $3,752 |
| Key | $452 | $5,420 |
| AAA | $511 | $6,135 |
Cheapest Car Insurance In Nevada: Age
Below, you’ll find average insurance costs for Nevada drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. Drivers in the age range of 30 to 55 often receive the most affordable auto insurance rates due to their extensive road experience. Moreover, these drivers have a lower likelihood, based on statistics, of being involved in car accidents compared to younger drivers.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $525 | $1,075 |
| 25 | $130 | $297 |
| 35 | $112 | $260 |
| 45 | $106 | $248 |
| 55 | $103 | $237 |
Cheapest Nevada Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. That’s mainly because these drivers don’t have as much experience driving and are more likely to break traffic rules and get into accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Nevada Car Insurance For 16-Year-Olds: GEICO
If you’re a teen driver or the parent of one, GEICO may be your best bet for finding the most affordable car insurance in Nevada.
The company’s cheapest average rates for 16-year-old drivers are $224 per month or $2,689 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $611 per month or $7,334 per year from Travelers.
| Cheapest Car Insurance in Nevada | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $224 | $653 |
| USAA | $227 | $643 |
| Travelers | $254 | $611 |
| State Farm | $342 | $742 |
| American Family | $347 | $654 |
| Progressive | $463 | $1,179 |
| AAA | $522 | $1,489 |
| Allstate | $828 | $1,558 |
| Farmers | $924 | $1,973 |
| Key | $1,115 | $1,244 |
Cheapest Nevada Car Insurance For 25-Year-Olds: Travelers
Car insurance rates for young drivers in their 20s decrease a lot compared to what teenagers pay. However, rates for this age group can still be high depending on which company you go with.
Travelers provides the cheapest car insurance costs on average at $57 per month or $687 per year or minimum coverage. Travelers costs $151 per month or $1,808 per year for full coverage.
| Cheapest Car Insurance in Nevada | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $57 | $151 |
| USAA | $67 | $204 |
| GEICO | $72 | $177 |
| State Farm | $90 | $232 |
| Progressive | $94 | $280 |
| American Family | $124 | $272 |
| Allstate | $127 | $291 |
| AAA | $146 | $533 |
| Farmers | $149 | $328 |
| Key | $378 | $501 |
Cheapest Nevada Car Insurance: Adult Drivers
People who are in their 40s generally have the cheapest prices for car insurance. You can compare typical car insurance expenses of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Nevada Car Insurance For 35-Year-Olds: USAA
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from USAA. The company offers average minimum-coverage costs of $54 per month or $647 per year. For full coverage, Travelers’s rates average $142 monthly or $1,710 annually.
| Cheapest Car Insurance in Nevada | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $54 | $161 |
| Travelers | $56 | $142 |
| GEICO | $62 | $160 |
| State Farm | $73 | $184 |
| Progressive | $81 | $254 |
| American Family | $114 | $247 |
| Farmers | $122 | $297 |
| Allstate | $125 | $268 |
| AAA | $131 | $489 |
| Key | $307 | $402 |
Cheapest Nevada Car Insurance For 45-Year-Olds: USAA
Forty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $52 per month or $619 per year. The cheapest full coverage comes from Travelers at $130 per month or $1,562 per year.
| Cheapest Car Insurance in Nevada | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $52 | $154 |
| Travelers | $52 | $130 |
| GEICO | $62 | $159 |
| State Farm | $75 | $184 |
| Progressive | $79 | $243 |
| American Family | $103 | $225 |
| Farmers | $116 | $293 |
| AAA | $119 | $476 |
| Allstate | $125 | $268 |
| Key | $281 | $346 |
Cheapest Nevada Car Insurance For 55-Year-Olds: Travelers
Travelers usually offers the most affordable car insurance rates in Nevada for drivers who are in their 50s. The insurer’s average premiums are $49 monthly or $588 annually for minimum coverage. The cheapest full coverage option is from Travelers, costing $130 monthly or $1,562 annually
| Cheapest Car Insurance in Nevada | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $49 | $120 |
| USAA | $50 | $146 |
| GEICO | $62 | $154 |
| State Farm | $71 | $175 |
| Progressive | $77 | $222 |
| American Family | $99 | $212 |
| Farmers | $106 | $273 |
| AAA | $107 | $445 |
| Allstate | $131 | $269 |
| Key | $281 | $354 |
Cheapest Car Insurance In Nevada: High-Risk Drivers
Besides the type of coverage and your car’s age, how safely you drive is also a significant factor in determining how much you will be charged for car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including fines for speeding, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers at a higher risk of accidents have to pay more for their car insurance because they have many violations on their driving record. On average, Nevada motorists who are deemed high-risk may find the most affordable rates from Travelers for minimum coverage or Travelers for full coverage.
| Cheapest Car Insurance in Nevada | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $73 | $197 |
| State Farm | $92 | $230 |
| USAA | $96 | $275 |
| Progressive | $115 | $362 |
| GEICO | $129 | $324 |
| Allstate | $165 | $359 |
| American Family | $188 | $403 |
| Farmers | $205 | $455 |
| AAA | $205 | $747 |
| Key | $513 | $676 |
Cheapest Nevada Car Insurance For Drivers With A Speeding Ticket: Travelers
Drivers with a speeding citation on their record can generally find the most affordable coverage from Travelers, with average rates of $68 per month or $810 per year for minimum coverage and $184 per month or 2,212 per year for full coverage.
| Cheapest Car Insurance in Nevada | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $68 | $184 |
| USAA | $71 | $216 |
| State Farm | $89 | $223 |
| GEICO | $94 | $248 |
| Progressive | $108 | $342 |
| Allstate | $141 | $312 |
| American Family | $156 | $337 |
| AAA | $183 | $671 |
| Farmers | $188 | $412 |
| Key | $342 | $452 |
Cheapest Nevada Car Insurance For Drivers With An At-Fault Accident: Travelers
Getting into a car accident in Nevada can make your car insurance rates go up. Travelers tends to offer the most affordable rates on average at about $73 per month or $876 per year for minimum coverage and $199 per month or $199 per year for full coverage.
| Cheapest Car Insurance in Nevada | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $73 | $199 |
| USAA | $83 | $248 |
| State Farm | $98 | $242 |
| Progressive | $123 | $379 |
| GEICO | $131 | $332 |
| Allstate | $180 | $383 |
| Farmers | $213 | $472 |
| American Family | $215 | $430 |
| AAA | $235 | $848 |
| Key | $377 | $519 |
Cheapest Nevada Car Insurance For Drivers With A DUI: Travelers
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Nevada from Travelers for $79 per month or $953 per year on average. They also have rates of $209 monthly or $2,502 annually for full coverage.
| Cheapest Car Insurance in Nevada | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $79 | $209 |
| State Farm | $89 | $223 |
| Progressive | $115 | $364 |
| USAA | $134 | $362 |
| GEICO | $161 | $392 |
| Allstate | $173 | $382 |
| American Family | $193 | $443 |
| AAA | $197 | $720 |
| Farmers | $213 | $481 |
| Key | $820 | $1,057 |
Cheapest Nevada Car Insurance For Drivers With Poor Credit: Travelers
People who have bad credit are charged more for car insurance. Those who don’t have the best credit history may want to check out Travelers, which has an average minimum-coverage rate of $84 per month or $1,006 per year and an average full-coverage rate of $233 per month or $2,797 per year.
| Cheapest Car Insurance in Nevada | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Travelers | $84 | $233 |
| GEICO | $95 | $256 |
| USAA | $124 | $386 |
| Progressive | $125 | $440 |
| AAA | $188 | $723 |
| Allstate | $197 | $495 |
| American Family | $197 | $409 |
| Farmers | $200 | $500 |
| Key | $342 | $452 |
| State Farm | $435 | $929 |
Average Cost Of Car Insurance In 10 Nevada Cities
Another thing that influences the amount you pay for car insurance is the location within Nevada where you reside. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are a greater number of cars driving on the road..
- More frequent car crashes
- More instances of breaking traffic rules.
- More instances of breaking traffic rules
- More incidents of car theft and slashed tires
- Extreme weather conditions
Certain factors that increase the likelihood of risks tend to have a greater impact on people who own cars in big cities. This is the reason why drivers in busy cities have to pay the most expensive average price for minimum car insurance coverage. On the other hand, drivers in rural areas, where there is less crime and a smaller population, are more likely to have access to cheaper insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Las Vegas | $154 | $308 |
| Paradise | $151 | $304 |
| North Las Vegas | $158 | $321 |
| Henderson | $137 | $274 |
| Sunrise Manor | $155 | $315 |
| Reno | $86 | $206 |
| Spring Valley | $160 | $324 |
| Sparks | $79 | $192 |
| Pahrump | $110 | $243 |
| Carson City | $71 | $172 |
Top 5 Car Insurance Companies In Nevada
Besides the expenses, we have examined more than 40 insurance companies in terms of their coverage, service, and reliability. We have identified the top five insurers for people living in Nevada. Based on our research, we found Travelers to be the best provider for most drivers in Nevada. Here are the ratings we gave to our recommended choices overall.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | $5 | $4 | 4.6 | 5 | 4.5 |
| #2 Travelers | $5 | $4 | 4.9 | 4.5 | 4.2 |
| #3 AAA | $5 | $5 | 4.9 | 4.1 | 4.4 |
| #4 GEICO | $5 | $4 | 4.2 | 4.9 | 4.3 |
| #5 Progressive | $5 | $4 | 4.8 | 4.8 | 4.1 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Nevada
In Nevada, there are multiple ways for you to reduce how much you pay for car insurance. These include:
- Opting for minimum coverage: Getting the bare minimum car insurance required by your state will give you the most affordable coverage available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several different companies can help you figure out which provider will give you the best offer.
Many insurance companies also provide usage-based insurance programs, which can help you save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might get a significant discount. However, certain programs may increase your rates if you engage in unsafe driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Nevada Require For Car Insurance?
Drivers in Nevada must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $20,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Nevada
When it comes to both minimum and full coverage, Travelers is the best and cheapest car insurance or most drivers in Nevada. While the above costs can give you an idea of what you’d pay for car insurance in Nevada, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and no-cost online tools that allow you to get a quote. Alternatively, you can also contact a company’s insurance agent or representative directly. Once you have gathered quotes from three or more insurance providers, compare them to find the best option for you.
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Best Cheap Car Insurance In Nevada: FAQ
Here are some frequently asked questions about car insurance in Nevada:
How much is car insurance per month in Montana?
Is Nevada Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.