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Cheap Car Insurance in Nevada 2019

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Average Nevada auto insurance premiums by company

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Average yearly premium

The Hartford


American Family Insurance






Farmers Insurance


AAA Insurance/Auto Club


State Farm


Progressive Insurance




USAA (must have a military affiliation to buy from USAA)


Liberty Mutual


American National Insurance


Nationwide Insurance


Insurance increase after a speeding ticket

Nevada drivers who get a speeding ticket pay an average insurance increase of 19%, lower than the nationwide average increase.

State Clean driving record Speeding ticket % increase
Nevada $1,813/year $2,149/year 19%
Nationwide average 26%

Average premiums in Nevada cities

Car owners in North Las Vegas pay the most for auto insurance among the Nevada cities we examined.


Average annual premium

Carson City




Las Vegas


North Las Vegas








Minimum car insurance in Nevada

Nevada requires car owners to buy only one type of auto insurance: Liability. But for many drivers, having only the minimum state-required insurance isn't enough. Here's an overview of required coverage.

You must show an insurance ID card (or other proof of financial responsibility) when:

  • Law enforcement requests it
  • You renew vehicle registration

Penalties for not having auto insurance in Nevada

  • Misdemeanor, court may impose fine of not more than $1,000.
  • Civil penalties of $600-$1,000 fine, suspension of license and registration

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 26, 2019

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