Cheap Car Insurance in Nevada for 2024

Travelers offers the cheapest car insurance in Nevada, with an average annual rate of $1,376 for full coverage.
Updated
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Written by Ben Moore
Assistant Assigning Editor

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Auto insurance is an important purchase, but finding cheap car insurance in Nevada isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Nevada is Progressive at $1,123 per year on average, or $94 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Nevada. Meanwhile, the average cost of full coverage car insurance in Nevada is $2,184 per year, or about $182 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Nevada. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Nevada is $791 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Nevada at $376 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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» MORE: The cheapest car insurance in Las Vegas

How we chose the cheapest companies in Nevada

NerdWallet’s editorial team analyzed car insurance rates from 18 auto insurers in Nevada and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Nevada. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Nevada where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Nevada for 20-year-olds

Drivers in Nevada with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $2,228 per year, or about $186 per month.
  2. Country Financial: $2,440 per year, or about $203 per month.
  3. Progressive: $2,934 per year, or about $244 per month.
  4. Nationwide: $3,930 per year, or about $327 per month.
  5. Travelers: $4,546 per year, or about $379 per month.

Cheapest minimum coverage car insurance in Nevada for 20-year-olds

Drivers in Nevada who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $738 per year, or about $62 per month.
  2. Country Financial: $944 per year, or about $79 per month.
  3. Progressive: $1,055 per year, or about $88 per month.
  4. Travelers: $1,331 per year, or about $111 per month.
  5. Allstate: $1,560 per year, or about $130 per month.

Cheapest auto insurance in Nevada for 20-year-olds with poor credit

Drivers with poor credit in Nevada should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $1,013 per year, or about $84 per month.
  2. Progressive: $1,184 per year, or about $99 per month.
  3. Country Financial: $1,627 per year, or about $136 per month.
  4. Travelers: $1,690 per year, or about $141 per month.
  5. Dairyland: $1,829 per year, or about $152 per month.

Cheapest auto insurance in Nevada for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nevada, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $891 per year, or about $74 per month.
  2. Progressive: $1,174 per year, or about $98 per month.
  3. Country Financial: $1,242 per year, or about $104 per month.
  4. Hallmark: $1,620 per year, or about $135 per month.
  5. Travelers: $1,732 per year, or about $144 per month.

Cheapest auto insurance in Nevada for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Nevada, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $1,026 per year, or about $86 per month.
  2. Progressive: $1,296 per year, or about $108 per month.
  3. Country Financial: $1,332 per year, or about $111 per month.
  4. Hallmark: $1,726 per year, or about $144 per month.
  5. Travelers: $1,864 per year, or about $155 per month.

Cheapest auto insurance in Nevada for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Progressive: $1,176 per year, or about $98 per month.
  2. Geico: $1,186 per year, or about $99 per month.
  3. Country Financial: $1,619 per year, or about $135 per month.
  4. Hallmark: $1,726 per year, or about $144 per month.
  5. Dairyland: $2,033 per year, or about $169 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Nevada for 30-year-olds

Drivers in Nevada who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Progressive: $1,129 per year, or about $94 per month.
  2. Travelers: $1,274 per year, or about $106 per month.
  3. Geico: $1,361 per year, or about $113 per month.
  4. Country Financial: $1,593 per year, or about $133 per month.
  5. Nationwide: $1,801 per year, or about $150 per month.

Cheapest minimum coverage car insurance in Nevada for 30-year-olds

Drivers in Nevada who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $376 per year, or about $31 per month.
  2. Progressive: $398 per year, or about $33 per month.
  3. State Farm: $482 per year, or about $40 per month.
  4. Travelers: $485 per year, or about $40 per month.
  5. Country Financial: $548 per year, or about $46 per month.

Cheapest auto insurance in Nevada for 30-year-olds with poor credit

Drivers with poor credit in Nevada should consider the following companies with the lowest average rates for full coverage:

  1. Progressive: $1,493 per year, or about $124 per month.
  2. Geico: $1,760 per year, or about $147 per month.
  3. Travelers: $1,963 per year, or about $164 per month.
  4. Country Financial: $2,405 per year, or about $200 per month.
  5. Nationwide: $2,453 per year, or about $204 per month.

Cheapest auto insurance in Nevada for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nevada, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $468 per year, or about $39 per month.
  2. State Farm: $519 per year, or about $43 per month.
  3. Progressive: $595 per year, or about $50 per month.
  4. Travelers: $597 per year, or about $50 per month.
  5. Country Financial: $756 per year, or about $63 per month.

Cheapest auto insurance in Nevada for 30-year-old drivers with one at-fault crash

For drivers in Nevada with a recent accident, here are the lowest average rate options for full coverage:

  1. Travelers: $1,880 per year, or about $157 per month.
  2. Progressive: $1,935 per year, or about $161 per month.
  3. Geico: $2,084 per year, or about $174 per month.
  4. Country Financial: $2,291 per year, or about $191 per month.
  5. State Farm: $2,377 per year, or about $198 per month.

Cheapest auto insurance in Nevada for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Progressive: $1,617 per year, or about $135 per month.
  2. Travelers: $2,210 per year, or about $184 per month.
  3. Country Financial: $2,399 per year, or about $200 per month.
  4. Geico: $2,677 per year, or about $223 per month.
  5. State Farm: $2,975 per year, or about $248 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Nevada for 40-year-olds

Drivers in Nevada with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Progressive: $1,056 per year, or about $88 per month.
  2. Travelers: $1,154 per year, or about $96 per month.
  3. Geico: $1,371 per year, or about $114 per month.
  4. Country Financial: $1,455 per year, or about $121 per month.
  5. Nationwide: $1,685 per year, or about $140 per month.

Cheapest minimum coverage car insurance in Nevada for 40-year-olds

Drivers in Nevada who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Progressive: $375 per year, or about $31 per month.
  2. Geico: $376 per year, or about $31 per month.
  3. State Farm: $433 per year, or about $36 per month.
  4. Travelers: $460 per year, or about $38 per month.
  5. Country Financial: $494 per year, or about $41 per month.

Cheapest auto insurance in Nevada for 40-year-olds with poor credit

Drivers with poor credit in Nevada can check out the following insurers with the lowest average rates for full coverage:

  1. Progressive: $1,393 per year, or about $116 per month.
  2. Travelers: $1,780 per year, or about $148 per month.
  3. Geico: $1,799 per year, or about $150 per month.
  4. Country Financial: $2,170 per year, or about $181 per month.
  5. Nationwide: $2,303 per year, or about $192 per month.

Cheapest auto insurance in Nevada for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nevada, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $457 per year, or about $38 per month.
  2. State Farm: $505 per year, or about $42 per month.
  3. Progressive: $567 per year, or about $47 per month.
  4. Travelers: $586 per year, or about $49 per month.
  5. Country Financial: $680 per year, or about $57 per month.

Cheapest auto insurance in Nevada for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Nevada, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,730 per year, or about $144 per month.
  2. Progressive: $1,843 per year, or about $154 per month.
  3. Country Financial: $2,100 per year, or about $175 per month.
  4. Geico: $2,101 per year, or about $175 per month.
  5. State Farm: $2,341 per year, or about $195 per month.

Cheapest auto insurance in Nevada for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Progressive: $1,516 per year, or about $126 per month.
  2. Travelers: $2,072 per year, or about $173 per month.
  3. Country Financial: $2,171 per year, or about $181 per month.
  4. Geico: $2,677 per year, or about $223 per month.
  5. State Farm: $2,925 per year, or about $244 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Nevada for 50-year-olds

Drivers in Nevada with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Progressive: $1,017 per year, or about $85 per month.
  2. Travelers: $1,096 per year, or about $91 per month.
  3. Geico: $1,373 per year, or about $114 per month.
  4. Country Financial: $1,398 per year, or about $116 per month.
  5. Nationwide: $1,559 per year, or about $130 per month.

Cheapest minimum coverage car insurance in Nevada for 50-year-olds

Drivers in Nevada who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $376 per year, or about $31 per month.
  2. Progressive: $379 per year, or about $32 per month.
  3. Travelers: $440 per year, or about $37 per month.
  4. State Farm: $447 per year, or about $37 per month.
  5. Country Financial: $477 per year, or about $40 per month.

Cheapest auto insurance in Nevada for 50-year-olds with poor credit

Drivers with poor credit in Nevada can check with the following companies, which showed the lowest average rates for full coverage:

  1. Progressive: $1,289 per year, or about $107 per month.
  2. Travelers: $1,690 per year, or about $141 per month.
  3. Geico: $1,717 per year, or about $143 per month.
  4. Country Financial: $2,079 per year, or about $173 per month.
  5. Nationwide: $2,134 per year, or about $178 per month.

Cheapest auto insurance in Nevada for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nevada, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $440 per year, or about $37 per month.
  2. Progressive: $521 per year, or about $43 per month.
  3. State Farm: $532 per year, or about $44 per month.
  4. Travelers: $569 per year, or about $47 per month.
  5. Country Financial: $658 per year, or about $55 per month.

Cheapest auto insurance in Nevada for 50-year-old drivers with one at-fault crash

For drivers living in Nevada with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Travelers: $1,658 per year, or about $138 per month.
  2. Progressive: $1,872 per year, or about $156 per month.
  3. Country Financial: $2,037 per year, or about $170 per month.
  4. Geico: $2,090 per year, or about $174 per month.
  5. State Farm: $2,360 per year, or about $197 per month.

Cheapest auto insurance in Nevada for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Progressive: $1,477 per year, or about $123 per month.
  2. Travelers: $1,943 per year, or about $162 per month.
  3. Country Financial: $2,079 per year, or about $173 per month.
  4. Geico: $2,553 per year, or about $213 per month.
  5. State Farm: $2,925 per year, or about $244 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Nevada for 60-year-olds

Drivers in Nevada with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Progressive: $997 per year, or about $83 per month.
  2. Travelers: $1,075 per year, or about $90 per month.
  3. Country Financial: $1,361 per year, or about $113 per month.
  4. Geico: $1,365 per year, or about $114 per month.
  5. Nationwide: $1,480 per year, or about $123 per month.

Cheapest minimum coverage car insurance in Nevada for 60-year-olds

Drivers in Nevada who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Progressive: $371 per year, or about $31 per month.
  2. Geico: $376 per year, or about $31 per month.
  3. Travelers: $443 per year, or about $37 per month.
  4. State Farm: $451 per year, or about $38 per month.
  5. Country Financial: $467 per year, or about $39 per month.

Cheapest auto insurance in Nevada for 60-year-olds with poor credit

Drivers with poor credit in Nevada can look at the following companies with the lowest average rates for full coverage:

  1. Progressive: $1,266 per year, or about $105 per month.
  2. Travelers: $1,661 per year, or about $138 per month.
  3. Geico: $1,763 per year, or about $147 per month.
  4. Country Financial: $2,020 per year, or about $168 per month.
  5. Nationwide: $2,025 per year, or about $169 per month.

Cheapest auto insurance in Nevada for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nevada, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $440 per year, or about $37 per month.
  2. Progressive: $512 per year, or about $43 per month.
  3. State Farm: $538 per year, or about $45 per month.
  4. Travelers: $585 per year, or about $49 per month.
  5. Country Financial: $644 per year, or about $54 per month.

Cheapest auto insurance in Nevada for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Nevada, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,694 per year, or about $141 per month.
  2. Progressive: $1,842 per year, or about $153 per month.
  3. Country Financial: $2,008 per year, or about $167 per month.
  4. Geico: $2,080 per year, or about $173 per month.
  5. State Farm: $2,231 per year, or about $186 per month.

Cheapest auto insurance in Nevada for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Progressive: $1,452 per year, or about $121 per month.
  2. Travelers: $1,998 per year, or about $166 per month.
  3. Country Financial: $2,025 per year, or about $169 per month.
  4. Geico: $2,549 per year, or about $212 per month.
  5. State Farm: $2,824 per year, or about $235 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Nevada for 70-year-olds

Drivers in Nevada with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Travelers: $1,232 per year, or about $103 per month.
  2. Progressive: $1,260 per year, or about $105 per month.
  3. Geico: $1,444 per year, or about $120 per month.
  4. Country Financial: $1,447 per year, or about $121 per month.
  5. Nationwide: $1,590 per year, or about $132 per month.

Cheapest minimum coverage car insurance in Nevada for 70-year-olds

Drivers in Nevada who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $439 per year, or about $37 per month.
  2. Progressive: $508 per year, or about $42 per month.
  3. State Farm: $510 per year, or about $42 per month.
  4. Travelers: $515 per year, or about $43 per month.
  5. Country Financial: $529 per year, or about $44 per month.

Cheapest auto insurance in Nevada for 70-year-olds with poor credit

Drivers with poor credit in Nevada can look at the following companies with the lowest average rates for full coverage:

  1. Progressive: $1,545 per year, or about $129 per month.
  2. Travelers: $1,933 per year, or about $161 per month.
  3. Geico: $2,105 per year, or about $175 per month.
  4. Nationwide: $2,169 per year, or about $181 per month.
  5. Country Financial: $2,179 per year, or about $182 per month.

Cheapest auto insurance in Nevada for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Nevada, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $532 per year, or about $44 per month.
  2. State Farm: $551 per year, or about $46 per month.
  3. Progressive: $684 per year, or about $57 per month.
  4. Travelers: $706 per year, or about $59 per month.
  5. Country Financial: $728 per year, or about $61 per month.

Cheapest auto insurance in Nevada for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Nevada, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,981 per year, or about $165 per month.
  2. Geico: $2,137 per year, or about $178 per month.
  3. Country Financial: $2,200 per year, or about $183 per month.
  4. Progressive: $2,281 per year, or about $190 per month.
  5. State Farm: $2,349 per year, or about $196 per month.

Cheapest auto insurance in Nevada for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Progressive: $1,877 per year, or about $156 per month.
  2. Country Financial: $2,182 per year, or about $182 per month.
  3. Travelers: $2,392 per year, or about $199 per month.
  4. Geico: $2,808 per year, or about $234 per month.
  5. State Farm: $2,949 per year, or about $246 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 63 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in Nevada

Nevada car insurance policies must include liability insurance, which covers others’ property damage and injuries if you’re at fault in a crash.

The minimum auto insurance liability limits are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per incident.

  • $20,000 property damage liability per incident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Even though this will be enough to drive legally, the bare minimum might not be enough to cover all damage. For example, causing an accident could easily leave you on the hook for more than $20,000 in property damage to another driver’s car. You’d have to pay for any repairs that exceed your insurance limit.

Check out NerdWallet’s guide to minimum car insurance requirements by state to learn more about coverage options for your policy in the Sagebrush State.

Alternative car insurance in Nevada

If you’re denied auto insurance on the voluntary market due to DUIs, poor credit or other factors, you can seek coverage through the Nevada Automobile Insurance Plan.

For more help finding cheap car insurance in Nevada, try NerdWallet’s car insurance comparison tool.

Methodology

For our ���good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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