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:

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
Company Address9800 Fredericksburg Road
San Antonio, TX 78288
Phone Number1-210-531-USAA
Website URLhttp://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
Company Address5260 Western Avenue
Chevy Chase, MD 20815
Phone Number1-800-861-8380
Website URLhttps://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
Company Address485 Lexington Ave 10th Fl
New York, NY 10017
Phone Number1-866-218-5589
Website URLhttps://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
Company Address1 State Farm Plaza
Bloomington, IL 61701
Phone Number1-309-766-2311
Website URLhttps://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
Company Address2775 Sanders Road
Northbrook, IL 60062
Phone Number1-800-255-7828
Website URLhttps://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
Company AddressOne Nationwide Plaza
Columbus, OH 43215
Phone Number1-877-669-6877
Website URLhttps://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
Company Address6300 Wilson Mills Road
Mayfield Village, OH 44143
Phone Number1-800-776-4737
Website URLhttps://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
Company Address6000 American Parkway
Madison, WI 53783
Phone Number1-800-692-6326
Website URLhttps://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
Company Address3055 Oak Road
Walnut Creek, CA 94597
Phone Number1-925-279-2300
Website URLhttps://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
Company Address75 Berkeley Street
Boston, MA 02116
Phone Number1-888-398-8924
Website URLhttps://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.