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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers in Nevada spend an average of $203 per month on car insurance. That’s compared to the U.S. national average of $143 per month. Nevada tends to have expensive car insurance rates due to its population density and high vehicle theft rate.[1]
That said, several car insurance companies in Nevada offer rates well below the state average, including COUNTRY Financial, State Farm, and USAA. Rates start as low as $43 per month.
Keep reading to learn about the cheapest car insurance companies in Nevada for different drivers, how to choose the right company, and tips to help you save money on your car insurance.
COUNTRY Financial offers the cheapest car insurance in Nevada, with rates as low as $43 per month.
Nevada drivers pay an average rate of $163 per month for liability insurance and $242 per month for full coverage.
Nevada requires all drivers to have at least 25/50/20 of liability coverage.[2]
Regardless of the average rates Nevada car insurance companies offer, you can always look for ways to save. Personal factors like your age, your driving history, and the coverage you choose affect your monthly premiums. Plus, several companies offer rates below the state average.
The table below highlights the cheapest car insurance companies in Nevada, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $43 |
| State Farm | $62 |
| USAA | $87 |
| Allstate | $112 |
| Mercury | $141 |
| Sun Coast | $151 |
| Root | $170 |
| Farmers | $175 |
| Nationwide | $180 |
| Direct Auto | $185 |
| GEICO | $201 |
| Travelers | $209 |
| American Family | $214 |
| Bristol West | $236 |
| Liberty Mutual | $253 |
COUNTRY Financial offers the cheapest car insurance in the state, with rates as low as $43 per month.
Let’s take a look at how your car insurance rates can vary based on factors like your age and driving record.
While the list above is a good starting point, your personal rates can vary widely depending on factors like your gender, address, driving habits, and the insurance you choose.
The following table breaks down the cheapest car insurers for a variety of driver backgrounds and coverage types, according to Compare.com data.rate
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | COUNTRY Financial | $43 |
| Full coverage | COUNTRY Financial | $58 |
| Teens | COUNTRY Financial | $65 |
| Seniors | COUNTRY Financial | $35 |
| Drivers with a speeding ticket | COUNTRY Financial | $52 |
| Drivers with an at-fault accident | COUNTRY Financial | $54 |
| Drivers with a DUI | COUNTRY Financial | $66 |
| Drivers with excellent credit | COUNTRY Financial | $37 |
| Drivers with poor credit | COUNTRY Financial | $53 |
We’ll break down the cheapest car insurance for each driver and coverage type in the sections below.
Comparing quotes can save you up to $867.†
Nevada requires all drivers to purchase liability insurance, which includes bodily injury coverage and property damage coverage. Liability-only insurance averages $163 per month in Nevada.
Many insurance experts recommend purchasing more coverage than the state requires.[2] If you cause an accident, liability insurance pays only for the other driver’s injuries and damages. Without additional coverage, you’d have to pay for your own injuries or damages out of pocket.
If you decide you need only minimum coverage, the following chart highlights Nevada’s five cheapest companies for liability insurance, according to our research.
You may want to consider full-coverage insurance to make sure you have enough financial protection in case of an accident. Full-coverage policies typically include liability, collision, and comprehensive insurance.
Drivers in Nevada pay an average of $242 per month for full-coverage car insurance. While full coverage costs more than liability-only insurance, several insurers offer full coverage for close to the average liability price.
The following chart shows the five cheapest insurers in Nevada for full-coverage insurance, according to Compare.com data.
Teen drivers pay some of the highest car insurance premiums of any age group. They cause nearly four times as many accidents as drivers aged 20 and older.[3] More accidents, along with risky behaviors like speeding and not wearing a seat belt, lead to more expensive insurance.
Nevada teens pay an average of $353 per month for car insurance. But you can still find insurers that offer a good deal.
The chart below shows Nevada’s cheapest insurers for teen drivers, according to Compare.com data.
Seniors typically have some of the cheapest auto insurance rates. Older drivers are often more cautious, more likely to obey the rules of the road, and tend to drive less frequently.[4]
Nevada seniors pay an average of $166 per month for car insurance. But even with these low average rates, you might find a better deal from one of the companies in the chart below.
Here are the five cheapest insurers in Nevada for seniors, according to Compare.com data.
Your driving record is one of the main factors insurers look at when calculating your premiums.[5] Generally, the cleaner your record, the less you’ll pay for car insurance.
You might think that getting a ticket won’t affect your car insurance rates, but it can. Our research shows that even a single speeding ticket causes average rates to increase by 37% nationwide.
Nevada drivers with a recent ticket pay an average of $238 per month for car insurance. But don’t worry, you can still find insurers that offer lower rates.
The chart below shows the five cheapest insurers in Nevada for drivers with a recent ticket, according to our data.
You can expect a substantial increase in your rates if you cause an accident. Insurers consider you a greater risk after an at-fault accident and charge more to cover you. Our research shows that a single at-fault accident causes average rates to increase by 41% nationwide.
Nevada drivers with a recent accident pay an average of $256 per month for auto insurance. But don’t worry if that seems too expensive. You might find a better deal with one of the five insurers highlighted in the chart below.
Here are the cheapest insurers in Nevada for drivers with a recent accident, according to Compare.com data.
A driving under the influence (DUI) conviction causes the sharpest increase in your car insurance premiums of any incident. Companies consider a driver with DUIs to be a high risk to insure and charge them some of the most expensive rates. Our research shows that rates increase by an average of 61% nationwide after a DUI conviction.
Nevada drivers with a DUI conviction pay an average of $327 per month for car insurance. But while a DUI increases your premiums, you’re not necessarily stuck with sky-high rates.
Check out the chart below for Nevada’s five cheapest insurers for drivers with DUI convictions, according to Compare.com data.
In Nevada, insurers can use a credit-based insurance score to calculate your premiums. Companies use your credit history to predict your likelihood of filing a claim. Our research shows that drivers with poor credit pay an average of 20% more for car insurance than drivers with excellent credit.
Nevada drivers with poor credit pay an average of $253 per month for car insurance. But while the majority of insurers in Nevada use credit-based scoring, some don’t.[6] You can still find affordable rates, regardless of your credit history.
The chart below shows the five cheapest insurers in Nevada for drivers with poor credit, according to Compare.com data.
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No single insurance company is right for everyone. The best company for you depends on a combination of factors. To help you decide, we found some of the top auto insurance companies in Nevada.
Take a look at our top three picks, based on a combination of average rates, available discounts, customer reviews, and coverage options.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $58/mo |
Country Financial offers some of the cheapest car insurance premiums in Nevada. Plus, you can save even more with its wide range of discounts, including defensive driver, good student, multi-policy, and multi-car discounts. Country Financial’s DriverIQ Program can also help safe drivers save up to 25%.
Low premiums
Many discounts available
DriverIQ telematics program
No gap coverage available
Online quotes not available
Not accredited by the Better Business Bureau[7]
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm gets top marks from customers for its quality customer service and claims process. Choose from a wide range of coverage options, and save with discounts, including defensive driving, good student, and anti-theft discounts.
For additional savings, you can bundle your auto policy with homeowners, renters, or life insurance. You can also cut your costs by up to 20% when you insure two or more vehicles on the same policy.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $119/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers active-duty military members, veterans, and their families a variety of insurance, banking, investment, and retirement options. In addition to competitive rates, USAA offers great customer service. Customers in the Southwest region also rank the company highly for its claims process, according to J.D. Power.
The company offers members various discounts, including multi-vehicle, student, and bundling discounts. Safe drivers can also save up to 30% with the company’s SafePilot telematics programs.
Competitive rates
High customer satisfaction
Above-average customer claims rating
Gap insurance not available
Available only to military members, veterans, and their families
Limited customer service hours
Local rates start as low as $43 per month.
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Like nearly every state, Nevada requires all drivers to have car insurance. Drivers in the Silver State must purchase the following minimum coverage:
$25,000 per person of bodily injury coverage
$50,000 per accident of bodily injury coverage
$20,000 of property damage coverage
Nevada drivers also have the option to purchase uninsured/underinsured motorist (UM/UIM) coverage.[10] UM/UIM ensures that you and your passengers have protection if a driver without enough insurance coverage hits you.
Insurers must offer UM/UIM coverage equal to or greater than the minimum liability amount of $25,000 per person and $50,000 per accident.
To ensure you adequately protect your finances, most experts recommend buying coverage above the state’s minimum limits. Liability insurance protects you only if you cause an accident. It pays for the injuries and damages to the other’s property. It doesn’t cover you, your passengers, or your property.
Consider collision and comprehensive insurance to protect your vehicle against damage. If you finance or lease your car, lenders typically require full coverage. You can also consider UM/UIM and medical payments (MedPay) insurance to ensure you and your passengers have adequate medical coverage.
Finding the right insurer for your needs can be challenging, but we’re here to help. If you want to learn more about auto insurance in Nevada, check out the following answers to some of the most common questions drivers ask.
Nevada drivers pay an average of $203 per month for car insurance, according to Compare.com data. Liability coverage costs an average of $163 per month, and full coverage costs $242.
COUNTRY Financial offers the cheapest car insurance in Nevada, with rates as low as $43 per month, according to Compare.com data.
It depends. Car insurance in Nevada costs $203 per month, according to Compare.com data. That’s compared to the national average of $143 per month. The cost of car insurance depends on several factors, including your age, gender, address, driving record, credit history, and the type and amount of insurance you choose.
Car insurance costs more in densely populated cities like Las Vegas and Reno. Nevada also has a high rate of vehicle thefts, which can drive up the cost of insurance. The cost of car insurance can vary greatly depending on personal factors like your age, your driving record, and where you live.
Nevada requires all drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage and $20,000 per accident of property damage coverage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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