Best Car Insurance in Nevada
Last Updated on April 10, 2021
Nevada has a cheaper cost of living than many other states, although drivers in Nevada pay higher-than-average rates for car insurance. The average driver in Nevada pays around $1,602 per year for full coverage car insurance, or about $250 more per year than the nationwide average of $1,350 per year.
Fortunately, there are plenty of options for car insurance in Nevada, ranging from local companies to nationwide giants. Some Nevadans want to pay rock-bottom rates for bare minimum liability coverage. Others are willing to pay more for added peace of mind.
Want to find the best car insurance in Nevada? We’re here to help.
Table of Contents:
- The 10 Best Auto Insurance Companies in Nevada
- Nevada Auto Insurance Requirements
- Driving Without Insurance in Nevada
- Car Insurance in Nevada with a DUI
- Car Insurance in Nevada with At-Fault Accidents
- Car Insurance in Nevada with Speeding Tickets
- Car Insurance in Nevada for Young Drivers
- Car Insurance in Nevada with Poor Credit
- SR-22 Insurance in Nevada
Top 10 Auto Insurance Companies in Nevada
All car insurance companies in Nevada claim to offer good claims satisfaction and customer service at an affordable rate. However, not all companies live up to this promise. Below, we’ve listed the best car insurance companies in Nevada based on customer service, claims satisfaction, and average pricing across our model driver portfolios.
1. USAA
If you are a member of the military in Nevada, or if an immediate family member is a USAA member, then you could qualify for low rates on USAA car insurance. USAA is one of the cheapest and best-rated car insurance providers in most states, charging low rates for full coverage car insurance and minimum liability insurance. According to our model driver portfolios, USAA charges around $956 per year for full coverage car insurance in Nevada, hundreds of dollars less than the statewide average.
USAA | |
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Company Address | 9800 Fredericksburg Road San Antonio, TX 78288 |
Phone Number | 1-210-531-USAA |
Website URL | http://www.usaa.com/ |
2. GEICO
GEICO charges around $1,121 per year for full coverage car insurance in Nevada, making them the cheapest in the state for non-USAA members. GEICO is a large insurance company with all of the amenities of a large corporation – like a good mobile app and plenty of bundling opportunities.
GEICO | |
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Company Address | 5260 Western Avenue Chevy Chase, MD 20815 |
Phone Number | 1-800-861-8380 |
Website URL | https://www.geico.com/ |
3. Travelers
Travelers is one of America’s top 10 largest insurance companies. They’re surprisingly affordable in Nevada, charging as little as $1,153 per year for full coverage car insurance. Travelers has good ratings for customer service and claims satisfaction, and they’re one of the best choices for insurance in Nevada.
Travelers | |
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Company Address | 485 Lexington Ave 10th Fl New York, NY 10017 |
Phone Number | 1-866-218-5589 |
Website URL | https://www.travelers.com/ |
4. State Farm
America’s largest insurance company insures millions of policyholders across the United States, including drivers in all corners of Nevada. State Farm is competitive with other providers on this list, charging around $1,201 per year for full coverage auto insurance.
State Farm | |
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Company Address | 1 State Farm Plaza Bloomington, IL 61701 |
Phone Number | 1-309-766-2311 |
Website URL | https://www.statefarm.com/ |
5. Allstate
Another large and well-known insurer, Allstate has a proven reputation for providing effective car insurance at competitive rates to drivers across the state. Expect to pay around $1,245 per year with Allstate in Nevada.
Allstate | |
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Company Address | 2775 Sanders Road Northbrook, IL 60062 |
Phone Number | 1-800-255-7828 |
Website URL | https://www.allstate.com/ |
6. Nationwide
Large and well-known, Nationwide insures millions of drivers across America. Expect to pay around $1,298 per year with Nationwide in Nevada. If you are looking to save on Nationwide insurance, the company offers an extensive range of discounts for you to take advantage of.
Nationwide | |
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Company Address | One Nationwide Plaza Columbus, OH 43215 |
Phone Number | 1-877-669-6877 |
Website URL | https://www.nationwide.com/ |
7. Progressive
Another insurance giant, Progressive maintains affordable pricing in most states while offering fast customer service and all of the amenities you would expect with a large insurance provider. Progressive’s rates are priced at around $1,346 per year in Nevada.
Progressive | |
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Company Address | 6300 Wilson Mills Road Mayfield Village, OH 44143 |
Phone Number | 1-800-776-4737 |
Website URL | https://www.progressive.com/ |
8. American Family
American Family sells car insurance in all corners of Nevada. The company maintains a local, customer-first approach to car insurance while providing effective coverage across the state. American Family has average rates of around $1,399 per year for car insurance, according to our model driver portfolios.
American Family | |
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Company Address | 6000 American Parkway Madison, WI 53783 |
Phone Number | 1-800-692-6326 |
Website URL | https://www.amfam.com/ |
9. CSAA
CSAA has top ratings for customer service and claims satisfaction. They’re not often the cheapest insurance company in any of their covered states. However, CSAA maintains a good presence in Nevada while maintaining high standards of customer service. The average CSAA policyholder pays around $1,450 per year for full coverage car insurance in Nevada. CSAA is a division of AAA covering northern California, Nevada, and Utah.
CSAA Insurance | |
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Company Address | 3055 Oak Road Walnut Creek, CA 94597 |
Phone Number | 1-925-279-2300 |
Website URL | https://csaa-insurance.aaa.com |
10. Liberty Mutual
Drivers willing to pay a little more for extra coverage may want to check Liberty Mutual in Nevada. Liberty Mutual charges around $1,532 per year for full coverage car insurance, making them one of the most expensive providers listed here. However, they have plenty of add-ons, discounts, and bundling opportunities available.
Liberty Mutual | |
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Company Address | 75 Berkeley Street Boston, MA 02116 |
Phone Number | 1-888-398-8924 |
Website URL | https://www.libertymutual.com/ |
Nevada Insurance Requirements
Nevada, like most states, requires drivers to carry a certain minimum amount of liability insurance to legally drive. If you do not have valid insurance that meets minimum requirements, then you cannot legally drive on public roads in Nevada.
The Nevada Department of Motor Vehicles requires you to meet the following minimum insurance requirements to legally drive:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $20,000 of property damage liability coverage
Insurance companies express these rates as a 25/50/20 policy. You may need to present proof of insurance at a traffic stop or at the scene of an accident. If you don’t have valid coverage, then you could face further penalties.
Driving Without Insurance in Nevada
The state of Nevada requires drivers to carry valid car insurance to legally drive. Drivers who do not meet the minimum insurance requirements listed above could face extensive penalties, including fines, jail time, and vehicle impoundment.
Penalties for driving without insurance in Nevada vary depending on the number of previous offenses. They also vary depending on the length of the lapse:
Lapses of 1 to 30 Days
First Offense: Suspension of driving privileges until you provide proof of insurance, reinstatement fee of $251
Second Offense: Suspension of driving privileges until you provide proof of insurance, reinstatement fee of $501
Third & Subsequent Offenses: Suspension of driving privileges for a minimum of 30 days, reinstatement fee of $751, SR-22 requirement for 3 years
Lapses of 31 to 90 Days
First Offense: $250 fine, suspension of driving privileges until you provide proof of insurance, reinstatement fee of $251
Second Offense: $500 fine, suspension of driving privileges until you provide proof of insurance, reinstatement fee of $501
Third & Subsequent Offenses: $500 fine, suspension of driving privileges for a minimum of 30 days, $751 reinstatement fee, SR-22 requirement for 3 years
Lapses of 91 to 180 Days
First Offense: $500 fine, suspension of driving privileges until you file SR-22 certificate, reinstatement fee of $251, SR-22 requirement for 3 years
Second Offense: $500 fine, suspension of driving privileges until you file an SR-22 certificate, $501 reinstatement fee, SR-22 requirement for 3 years
Third & Subsequent Offenses: $750 fine, suspension of driving privileges for a minimum of 30 days, $751 reinstatement fee, SR-22 requirement for 3 years
Lapses of 181+ Days
First Offense: $1,000 fine, suspension of driving privileges until you file SR-22 certificate, reinstatement fee of $251, SR-22 requirement for 3 years
Second Offense: $1,000 fine, suspension of driving privileges until you file SR-22 certificate, reinstatement fee of $501, SR-22 requirement for 3 years
Third & Subsequent Offenses: $1,000 fine, suspension of driving privileges for a minimum of 30 days, $751 reinstatement fee, SR-22 requirement for 3 years
Car Insurance in Nevada with DUI
If you have one or more DUI convictions in the past five years, then you could be considered a high-risk driver in Nevada. As a high-risk driver, you will pay more for car insurance than drivers with a clean record.
However, some insurance companies continue to charge competitive rates even after a DUI conviction. By comparing quotes, you can get the best car insurance regardless of your DUI:
- USAA: $1,858 per year
- GEICO: $1,898 per year
- Allstate: $1,911 per year
- Progressive: $2,022 per year
- Nationwide: $2,422 per year
Car Insurance in Nevada with At-Fault Accidents
At-fault accidents will sharply raise insurance premiums in Nevada. If you have one or more at-fault accidents on your driving record over the last 3 to 5 years, then you will pay more for car insurance than drivers with a clean record.
However, many drivers like to balance their insurance pool with low-risk, medium-risk, and high-risk drivers. They charge comparatively affordable rates to drivers with at-fault accidents. Request a quote from any of the following Nevada insurance companies if you have an at-fault accident:
- GEICO: $1,819 per year
- State Farm: $1,931 per year
- Progressive: $2,021 per year
- CSAA: $2,122 per year
- Nationwide: $2,231
Car Insurance in Nevada with Speeding Tickets
Speeding tickets cause car insurance to rise – even if you have an otherwise clean driving record. A single speeding ticket could lead to higher rates. Fortunately, many of Nevada’s top insurance companies ignore one or more minor speeding tickets:
- USAA: $1,062 per year
- GEICO: $1,176 per year
- State Farm: $1,177 per year
- Progressive: $1,182 per year
- Farmers: $1,299 per year
Car Insurance in Nevada for Young Drivers
Young drivers cause more serious accidents in Nevada per year than drivers in any other demographic. They’re the riskiest drivers for insurers to cover. Fortunately, not all insurance companies treat young drivers the same way. Some insurance companies welcome young drivers into their pool as a way to balance risk.
The best car insurance companies for young drivers in Nevada include:
- USAA: $1,983 per year
- GEICO: $2,101 per year
- Farmers: $2,283 per year
- State Farm: $2,491 per year
- Allstate: $2,495 per year
Car Insurance in Nevada with Poor Credit
Insurance companies use your credit-based insurance score (which is similar to your credit score) to calculate premiums. Drivers with a low credit score could pay twice as much for car insurance as drivers with a good credit score. Statistically, drivers with poor credit scores are the riskiest drivers to insure.
However, not all companies weigh credit scores as heavily as others. Consider requesting a quote from any of the following Nevada insurance companies if you’re concerned about credit score impacting rates:
- USAA: $1,812 per year
- State Farm: $2,033 per year
- Farmers: $2,101 per year
- GEICO: $2,357 per year
- Progressive: $2,465 per year
SR-22 Insurance in Nevada
Some drivers are required to carry an SR-22 certificate in Nevada. If you have let your car insurance lapse or if you were convicted of a serious driving offense, then you may need to carry SR-22 insurance for 3 to 5 years.
If you drop SR-22 coverage at any time during the 3 to 5 year window, then the state of Nevada could suspend your driving privileges. The SR-22 certificate verifies you have valid insurance that meets Nevada’s minimum liability insurance requirements.
If you do not maintain continuous SR-22 coverage in Nevada, then your insurer will send form SR-26 to the DMV notifying the loss of coverage. At this point, the DMV will suspend your license and send you a notice by mail.
SR-22 insurance is a certificate verifying you have valid coverage. It proves you meet Nevada’s minimum insurance requirements. All major insurance companies should be able to provide you with an SR-22 certificate. However, some high-risk drivers may need to work with a high-risk auto insurance company for their SR-22 insurance.
Conclusion: How to Find the Best Auto Insurance in Nevada
Finding the best car insurance in Nevada requires research and preparation. With a little bit of work, you can find the best car insurance for your unique needs in Nevada.
To find the best auto insurance company in Nevada, compare quotes online today.