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Car Insurance in Nevada (Updated May 2024)

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Nevada Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Nevada specifically, drivers are paying 14% more for car insurance than the national average, with Full Coverage costing Nevada drivers an average of $215 per month

Similar to other states, the rates in Nevada can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Nevada. Read on to learn more about properly insuring your car in Nevada. 

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.

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.