1. Home

Car Insurance in Nevada

Compare Nevada car insurance quotes with EverQuote and get your own personalized recommendations

Save hundreds today by comparing quotes from the nation’s top insurance companies

shield No junk mail. Instant results. Always free.

ProgressiveLiberty MutualRoot
The GeneralAmerican FamilyElephant
shield

✅ Why you can trust EverQuote - EverQuote powers millions of shopper requests every month, teaming up with industry-leading insurance specialists to address real-world challenges faced by people every day. We partner with the largest insurance providers in the nation, and our content is carefully crafted by experts and reviewed by licensed insurance agents for accuracy and relevance. 

Nevada Car Insurance Quotes

Nevadans pay an average of $215 monthly for car insurance, which is significantly higher than the nationwide average of $189. While the state has a low population density, its extreme desert climate and mountainous terrain can cause dangerous driving conditions.

Rates also increase in Nevada's more populated areas, including Las Vegas and Reno. The driver's age and driving history, consumer profile, discount availability, and vehicle type may also impact Nevada car insurance rates. Keep reading to find out more. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Nevada Car Insurance Laws

You must purchase car insurance before driving in Nevada, as outlined in Nevada car insurance laws, even for a new car.

Nevada’s car insurance minimums

Nevada car insurance minimums are at par with the national average and are quoted as 25/50/20:

  • $25,000 for injuries to one person
  • $50,000 for all injuries in a single accident
  • $20,000 for property damage

You may also want to purchase additional coverage, like comprehensive and collision coverage, for added protection against various risks on the road.

Cheapest Insurance in Nevada

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Nevada. When shopping for a new policy, comparing Nevada car insurance quotes is smart.

Rank Insurance company Average monthly premium
1 USAA $132
2 Travelers $137
3 State Farm $143
4 Geico $167
5 Farmers $218
Avg. monthly premiums are weighted by zip code population sizes

Fast, Free Auto Insurance Quotes

Proof of Insurance

Nevada car insurance laws don't provide a grace period for new cars. ” 


Driving without insurance in Nevada is punishable by law. You face the following repercussions if you fail to meet Nevada car insurance requirements:

  • A fine of between $250 and $1,000
  • Getting your driver’s license suspended
  • A $250 to $750 reinstatement fee
  • SR-22 mandatory insurance

Nevada car insurance laws don’t provide a grace period for new cars. Confirm you have insurance coverage in place before driving your new car off the lot. This means coordinating with your insurance provider to update your policy or securing coverage with a new insurer if necessary. 

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Nevada?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Nevada?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Nevada?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.


Fast, Free Auto Insurance Quotes