The wild, wild west of fun is also the driest state in the country. Nevada is a state of extremes, but one area in which it doesn’t take any chances is keeping its drivers safe. So before moving to Nevada, be sure to put down that blackjack guide long enough to soak in critical information about the state’s auto insurance requirements.
Just looking to get a quote for cheap car insurance in Nevada? You’ve come to the right place.
Nevada Car Insurance Requirements
Whether you’re driving the Las Vegas strip, making a family getaway to Hoover Dam, or heading out to the desert to escape the tourists, ensuring you meet Nevada’s minimum insurance requirements keeps driving from being a gamble. This includes maintaining body injury liability insurance of at least $25,000 per person and $50,000 per accident, as well as $50,000 for property damage. (If you’re a business or individual who owns a fleet of 10 vehicles or more in Nevada, you may also consider self-insurance).
While auto insurance policies for Nevada drivers mandate uninsured motorist coverage for $15,000 per person and $30,000 per accident – in the event that the driver at fault is uninsured – motorists may choose to reject this provision.
Finally, Nevada does not require collision insurance or comprehensive coverage, but you may opt for these policies to protect your financial exposure in the case that the minimum insurance requirements are not enough to cover potential medical payments and other damages.
Remember: Having car insurance is important, but carrying proof of insurance on you at all times is also imperative. You may be cited if you fail to show an insurance ID card or another form of proof.
Nevada LIVE Verification
Nevada introduces another little wrinkle into its auto insurance requirements that all drivers need to heed: Nevada LIVE verification of liability insurance, a program that will check in with insurance providers to verify that drivers’ policies are still valid. In addition to having insurance, and keeping proof on hand that you have a policy meeting Nevada’s minimum requirements, drivers also need to ensure their coverage is accurately reflected on this website. This means making sure the name on your registration and insurance are an exact match.
This online reference is updated automatically by the state and your insurance provider, and more often than not, there is nothing you need to do and no reason to be concerned. But we recommend logging in to the portal to make sure all the information is correct by visiting Nevada LIVE, submitting a Registration and Insurance Registration Status Inquiry, and entering the required license plate and VIN info.
Nevada Car Insurance Penalties
Because of the Nevada LIVE program, it’s easier to get busted in Nevada for driving without at least the minimum required coverage levels than in many other states. And the penalties for driving without car insurance can be stiff, ranging from a small fine, reinstatement fee and suspension of license to up to $1,750 of combined fines and fees for a third offense.
Finally, any Nevada drivers who have a lapse in car insurance for 91 days or more need to maintain an SR22 for three years.
To find out more about the car insurance requirements for Nevada drivers, visit Nevada’s Department of Motor Vehicles.
Cheapest Car Insurance for Single Drivers in Nevada
Are you single in Nevada? You’ll find that auto insurance rates can vary drastically. Here are 2 companies offering the cheapest car insurance.
|Insurance Company||Monthly Insurance Premium|
Sun Coast has the most affordable average monthly premium at $84/mo. Rates then more than double with Esurance to $176/mo.
These are the best rates we found, but be sure to do your own research to see what you can find. At Compare.com we make it easy for you to compare premiums from 60+ auto insurance companies. Simply enter your zip code below to get started.
Cheapest Car Insurance for Men vs. Women in Nevada
Men typically pay a bit more for auto insurance than women and that rate is true in Nevada as well. Why the difference? Men have been found to engage in more risky driving behavior leading to more claims and higher payouts than women. Insurance companies charge more to insure men to offset this risk potential.
The overall average rate for men is $116/mo, while women pay $7/mo less at $109/mo.
Cheapest Car Insurance Companies for Men in Nevada
Sun Coast Auto Insurance offers the most affordable auto insurance for men in Nevada. At $87/mo, that’s less than the statewide average of $116/mo.
Cheapest Car Insurance Companies for Men in Nevada
Sun Coast Auto Insurance also offers the cheapest car insurance for women in Nevada. Women pay slightly less than men at $82/mo. The average for women is also less than the statewide average of $109/mo.
Cheapest Car Insurance for Nevada Drivers with an Accident on Their Record
Getting into a car accident can be scary and dealing with the aftermath can be both expensive and time consuming. Auto insurance companies often charge you a premium when you have an accident on your record because they have to account for your potentially risky driving behavior.
Here are 5 insurance companies offering the cheapest car insurance for Nevada drivers with an accident on their record.
|Insurance Company||Monthly Insurance Premium|
Sun Coast is again offering the cheapest auto insurance, but this time for drivers with an accident. Their average monthly premium is $83. Rates then jump to over $100/mo with Mercury ($131/mo), Liberty Mutual ($131/mo), Dairyland ($132/mo) and Esurance ($164/mo).
When you have an accident or tickets on your driving record, the best way to secure affordable auto insurance is to compare auto insurance rates of different companies. You don’t have to worry about comparing rates with individual companies which is far too time consuming. Instead, enter your zip code below to start the process of comparing auto insurance rates of 60+ companies.
Cheapest Nevada State Minimum Coverage
Looking to meet Nevada state minimum auto insurance requirements? Sun Coast offers the most affordable rate in the Silver State at $72/mo.
The Best Rated Car Insurance Companies in Nevada
When you’re shopping for car insurance in Nevada, you can base your decision solely on who offers the cheapest rates or you can look at the overall company in hopes of finding the best experience in general. Either one works depending on your specific needs at the moment, and if you’re looking for the best rated car insurance companies we have you covered.
Here are 5 companies to look out for.
|Insurance Company||BBB||Value Penguin||JD Power|
As you can see, ratings will vary depending on where you look, but overall, these 5 insurance companies offer the quality coverage, customer service and rates you want when choosing auto insurance.
Nevada Car Insurance Discounts
Saving on your premium is the best way to get cheap car insurance in Nevada, but the savings don’t stop there. You also want to see what discounts are available. If you can find the right combination of discounts you can potentially save an additional 5-40% or more on your insurance.
Here are some common discounts offered by auto insurance companies, but this list isn’t exhaustive.
- Multi-policy discount: Bundling different types of insurance (like home insurance and car insurance) under one policy can help you save 5-25% on your premium.
- Multi-car discount: When you insure more than one car with the same insurance company you can secure a multi-car discount and save 5-25%.
- Vehicle safety discount: If your vehicle is equipped with the latest safety equipment like anti-lock brakes, full-front seat airbags, lane departure warnings and daytime running lights you can save up to 40% on your premium.
- New car discount: Have a car that’s less than 3 years old? You might be able to qualify for a new car discount saving 10-15% on your auto insurance rate.
- Anti-theft discount: When your vehicle has anti-theft features (GPS system, stolen vehicle recovery, VIN etching, etc.) your insurance company might reward you with discounts of 5-25% off your premium.
- Good driver discount: If you can prove you’re a safe driver by remaining incident-free over a period of time, you can potentially score a discount of 10-40%.
- Pay in full discount: Paying your premium in full instead of splitting it up into monthly payments can get you a discount of 6-14%
- Paperless discount: Going paperless will not just help the environment, but your pockets as well. While discounts are small, ranging between 1-6%, it’s such an easy way to save money.
- Occupational discount: Certain jobs can help you score an additional discount on your auto insurance. Some common career paths that can lead to 15% off your insurance premium are military personnel and educators.
Recent Nevada Car Insurance Rate Trends
Auto insurance rates in Nevada have varied quite a bit over the last 5 years.
In 2017 they started out at $126/mo before experiencing a drastic jump to $170/mo the following year. Then rates plummeted to $136/mo in 2019 and dropped again to $105/mo in 2020. We then saw rates increase slightly to $118/mo in 2021.
Based on these trends, it’s difficult to predict what we’ll see in 2022 and the future, but we’ll keep our eyes out.
Compare Car Insurance Rates by Nevada Cities
The area you live in is one of the main factors that determine how much or how little you pay for car insurance. If your area has a high auto theft rate, you may pay more. If there is very little traffic on your way to work, you may end up paying less. To help you see how rates vary from city to city, check out our rate comparison table below.
|City||Average Monthly Car Insurance Premium|
|North Las Vegas||$121|
Click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, you’ll find all the information you need on how things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.
And if you want to jump right in and see how much you’ll pay, simply enter your ZIP code below and find your best rate in minutes!
Nevada Vehicle Registration Fees and Other Costs
If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price. You’ll be on the hook for basic DMV fees like title, license plate, and registration fees no matter where and how you purchase your new car, truck or SUV, as well as buying a new car insurance policy for your car. But some buyers will find themselves with additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees and a slew of other costs.
Check out Compare.com’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Nevada.
Nevada Auto Insurance FAQs
What Car insurance is required in Nevada?
State minimum car insurance requirements in Nevada include
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage: $50,000
- Uninsured motorist coverage: $15,000 per person and $30,000 per accident
Collision coverage and comprehensive coverage aren’t required in Nevada
How much is car insurance in Nevada?
The average auto insurance rate in Nevada is $112/mo.
What happens if you drive without car insurance in Nevada?
If you drive without car insurance in Nevada can range from a small fine, reinstatement fee and suspension of your license up to up to $1,750 of fines and fees if you are a repeat offender.
If you happen to lapse car insurance for 90 days or more, you’ll need to maintain SR22 for 3 years.
Does Nevada require full coverage insurance?
No, Nevada doesn’t require full coverage insurance,
Can you get car insurance without a license in Nevada?
If you can prove someone else will be driving the vehicle, you might be able to secure auto insurance without a license in Nevada. This often requires that you put down the primary driver’s license information on your insurance application.
All data referenced in this article comes from a combination of proprietary data — which is aggregated from millions of real customer quotes through Compare.com — and additional data gathered in collaboration with Quadrant.