Cheap Car Insurance in Nevada 2019

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Finding cheap Nevada car insurance

If you're looking for cheap car insurance in Nevada, here are some of the best ways:

  • Compare car insurance quotes from multiple insurance companies to find a good deal. Car insurance rates can vary by hundreds of dollars among insurers for the same coverage, so shopping around can pay off.
  • Keep a good driving and claims record. Try to avoid car accidents, tickets for moving violations and insurance claims.
  • Ask your insurance agent to review all the auto insurance discounts available from your insurer.
  • Adding a young driver to your insurance policy? Here are tips for getting cheap car insurance for teen drivers.
  • Increase the deductible on comprehensive and collision coverage, if you buy them.
  • Buy renters or homeowners insurance from your car insurance company to get a "bundling" discount.

We analyzed average insurance premiums reported by EverQuote users so you can see how prices stack up for Nevada drivers.

Sections:

  Nevada insurance vs. the U.S. average
  Average Nevada insurance premiums by company
  Insurance increases after a speeding ticket
  Average premiums for Nevada cities

Nevada insurance vs. the U.S. average

Average insurance premiums paid by Nevada drivers with good records are higher than the national average:

  • $1,813/year Nevada average.
  • $1,684/year national average.

Average Nevada premiums by company

Company
Click to see reviews

Average yearly premium in Nevada

The Hartford

$1,544

American Family Insurance

$1,667

Esurance

$1,675

Travelers

$1,712

Farmers Insurance

$1,769

AAA Insurance/Auto Club

$1,772

State Farm

$1,797

Geico

$1,819

Progressive Insurance

$1,870

Allstate

$1,894

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

$1,937

Liberty Mutual

$2,002

American National Insurance

$2,026

Nationwide Insurance

$2,038

Insurance increases in Nevada 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 Annual premium with clean driving record Annual premium with speeding ticket % increase
Nevada $1,813 $2,149 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.

City

Average annual premium

Carson City

$1,577

Henderson

$1,834

Las Vegas

$1,874

North Las Vegas

$1,955

Pahrump

$1,411

Reno

$1,593

Sparks

$1,637

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. Let's look at what's available in Nevada so you can make the right picks.

Minimum liability insurance in Nevada:

Liability car insurance is essential coverage. If you cause a car accident, it pays for damage and medical bills for others. If you take a gamble and buy only the minimum required liability insurance, you could find yourself being sued for car accident bills that are not covered by insurance.

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $20,000 property damage per accident

This is often written as 25/50/20.

Uninsured/underinsured motorist (UM/UIM) coverage:

  • UM/UIM is coverage that pays medical bills if a driver with little or no liability insurance hits you and causes injuries. Nevada auto insurance companies must offer you UM/UIM coverage but you can reject it in writing. If you buy it, the minimum coverage is $25,000 per person/$50,000 per accident (25/50). 

Other Nevada auto insurance 

Medical payments (MedPay)
Covers medical bills for you and your passengers no matter who was at fault. It will also pay your medical bills if you're a pedestrian and struck by a car, up to your MedPay limits.

Comprehensive coverage
For theft of your car or damage caused by hitting an animal, hail, flood, fire, vandalism, falling objects and explosions. You are probably required to have comprehensive insurance if you have a car loan or lease.

Collision coverage
For damage to your car caused by hitting another car or an object, like a tree. You are probably required to have collision insurance if you have a car loan or lease.

   More: Cheap car insurance in Nevada

Rental reimbursement
Pays for a rental car while your vehicle is being repaired after an accident.

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

Consumer car insurance complaints

The Nevada department of insurance is in charge of handling complaints against insurance companies that operate in the state. Shown below are national complaint ratios for the largest auto insurance companies in Nevada. The ratio shows the level of complaints relative to a company's amount of business.

Car insurance complaints in Nevada

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 March 6, 2019

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