The Cheapest Auto Insurance Companies in Nevada, in 2026

Drivers in Nevada spend an average of $201 per month on car insurance. That’s compared to the U.S. national average of $140 per month. Nevada tends to have expensive car insurance rates due to its above-average accident frequency and severity 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 Just Pay-Per-Mile. Rates start as low as $57 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.

Cheapest Car Insurance in Nevada by Driver and Coverage Type

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.

Driver or Coverage Type	Cheapest Insurer	Insurer’s Average Monthly Premium
State-minimum coverage	Country Financial	$57
Full coverage	Country Financial	$80
Teens	Country Financial	$88
Seniors	Country Financial	$45
Drivers with a speeding ticket	Country Financial	$76
Drivers with an at-fault accident	Country Financial	$76
Drivers with a DUI	Country Financial	$76
Drivers with excellent credit	Country Financial	$50
Drivers with poor credit	Country Financial	$66

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

We’ll break down the cheapest car insurance for each driver and coverage type in the sections below.

The Overall Cheapest Car Insurance in Nevada

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.

The below rates in Nevada are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT. 

Company	Average Monthly Premium
Country Financial	$57
State Farm	$83
Just Pay-Per-Mile	$110
USAA	$116
Allstate	$149
Sun Coast	$150
Mercury	$157
Mendota	$181
Safeco	$186
GEICO	$191
Direct Auto	$194
Root	$195
Trexis	$195
Progressive	$205
Just Unlimited	$208
Farmers	$233
Liberty Mutual	$237
Nationwide	$240
Bristol West	$253
Travelers	$279
American Family	$285

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Thursday, April 30 at 5:00 PM PDT.

Country Financial offers the cheapest average car insurance in the state, with rates as low as $57 per month.

Let’s take a look at how your car insurance rates can vary based on factors like your age and driving record.

Cheapest Liability Car Insurance in Nevada: Country Financial

Nevada requires all drivers to purchase liability insurance, which includes bodily injury coverage and property damage coverage. Liability-only insurance averages $159 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.

How much car insurance is required in Nevada?

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.^[3] 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.

You may want to consider full-coverage insurance to make sure you have enough financial protection in case of an at-fault accident or a non-collision loss like theft, vandalism, fire, and severe weather. Full-coverage policies typically include liability, collision, and comprehensive insurance.

Drivers in Nevada pay an average of $243 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.

Cheapest Car Insurance for Teen Drivers: Country Financial

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.^[4] More accidents, along with risky behaviors like speeding and not wearing a seat belt and texting while driving, lead to more expensive insurance.

Nevada teens pay an average of $335 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.

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Cheapest Car Insurance for Senior Drivers: Country Financial

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.^[5]

Nevada seniors pay an average of $170 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.

The Cheapest Car Insurance for Drivers by Driving Record

Your driving record plays a big role in determining your rates. Having an incident on your record, like a driving under the influence (DUI) conviction, a speeding ticket, or an at-fault accident, can increase your rates when your insurance policy renews. This is because insurance companies now view you as a high-risk driver.^[6]

But you still have ways to get affordable insurance. The tables below show the cheapest insurers in Nevada for people with a recent ticket, at-fault accident, or a DUI, according to Compare.com data.

Cheapest Car Insurance for Drivers by Credit

In Nevada, insurers can use a credit-based insurance score to help calculate your premiums. Companies use your credit history to predict your likelihood of filing a claim.

Our research shows that , nationwide, 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 $231 per month for car insurance, compared to drivers with excellent credit, who average around $171.

But while the majority of insurers in Nevada use credit-based scoring, some don’t.^[7] You can still find affordable rates regardless of your credit history.

The tables below show the cheapest insurers in Nevada for drivers with excellent and poor credit, according to Compare.com data.

How to Get the Cheapest Car Insurance in Nevada

Getting cheap car insurance doesn’t have to be hard. Here are some ways you can save on your premiums:

• Look for discounts. Taking advantage of discounts is a great way to lower your car insurance costs. Some common options include bundling, multi-car, good student, safe driving, and paying your premiums up front in full. It’s worth asking your agent what you qualify for.

• Shop around. Every insurer weighs your driving profile differently, so it’s important to shop around to get the best rate. Get quotes from at least three to five insurers to see which company offers you the best premium.

• Increase your deductible. If you have full-coverage insurance, you can save by increasing your deductible on your comprehensive and collision coverage. But make sure you can afford the higher out-of-pocket cost if you have to submit a claim.

• Adjust your coverage. Take a look at your policy to see if you’re paying for any coverages you don’t need. Dropping add-ons can help reduce your rates. But make sure you still have enough coverage to protect you and your car.

Our Picks for the Best Auto Insurance in Nevada

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.

Compare Quotes

J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	665
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.	$57/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.	$80/mo

Details

J.D. Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

665

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.44

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+

Why we picked this company

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 usage-based DriverIQ Program can also help safe drivers save up to 25%.

Pros

• Lowest average premiums in Nevada

• Many discounts and bundling opportunities available

• DriverIQ telematics program

Cons

• No gap coverage available

• Online quotes not available

• Coverage only available in 19 states

Compare Quotes

User Reviews	4.0 802 reviews
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.	$83/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.	$117/mo

Details

Driver Reviews

4.0

Best choiceBased on 802 verified guest reviews and ratings

	State Farm's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.8	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

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.

AI-generated from the text of verified reviews collected by Compare.com

Showing recent national reviewsSee all 323 State Farm reviews

Rebecca

Verified Review

State Farm will offer roadside assist, but if you use it, they will hit you with nonrenewal.

Reviewed in Nebraska on April 21, 2026

Don't fall for the sell of roadside assistance with State Farm. I haven't had a claim of any kind in 15 years. I just switched to State Farm because of a good quote, and I was paying entirely too much through AAA; Travelers. There was no reason for those rates to be near $200 per month. Clean record, older working woman, professional. No drinking, drugs, partying. Not even a pet. Been with AAA for 35 years—time to switch. So, offered a good rate, but after the starter went out in my car during the most brutal 20 below zero wind chills, I was hit with a nonrenewal. They say it's because it looks as if I will be using the insurance. I actually took the car right away to replace the starter and did further preventative maintenance just before I received the letter. It appears all this profiling is allowing insurers to sort anyone with any kind of risk. Why buy it? Let us get back to putting that money in our own accounts, so we can pay when we need it. We've been taken advantage of.

Lindsey

Verified Review

Bile in the mouth

Reviewed in Maryland on April 19, 2026

Initially, they offered good value and service, but they spend money on high-profile athletes (out of our pockets). They have interns who know little about handling complex matters. After 50 years of faithful payments, one overlooked option was not explained to a young driver, who will now end up footing the bill for an accident that State Farm should have at least split the repair cost. I could not, in good conscience, recommend them.

Dorothy

Verified Review

Average

Reviewed in Oregon on April 13, 2026

Very expensive compared to other companies.

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Our Advice

J.D. Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

646

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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++

Why we picked this company

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.

Pros

• Above-average customer satisfaction rating^[8]

• High claims satisfaction rating^[9]

• Rideshare insurance available

Cons

• Gap insurance only available to customers who have an auto loan through State Farm Bank

• Accident forgiveness not available

• Can’t purchase a policy online

Compare Quotes

User Reviews	4.4 161 reviews
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.	$116/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.	$164/mo

Details

Driver Reviews

4.4

Best choiceBased on 161 verified guest reviews and ratings

	USAA's score	Industry average
Coverage options	4.4	3.2
Customer service	4.2	3.6
Discounts	4.2	2.9
Policy transparency	4.3	3.1
Value	4.2	2.9

How drivers feel about USAA

Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.

AI-generated from the text of verified reviews collected by Compare.com

Showing recent national reviewsSee all 69 USAA reviews

Jeremy

Verified Review

USAA will increase your premium every 6 months.

Reviewed in Maryland on April 3, 2026

USAA claims that they are all about the service members, but they bank on that being the reason you pay for their overpriced insurance.

Robin

Verified Review

Good Service

Reviewed in Florida on February 21, 2026

Fair price.

Catherine

Verified Review

Top Drawer

Reviewed in Georgia on February 15, 2026

Very good. Reliable. Comprehensive.

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Our Advice

J.D. Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

733

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

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++

Why we picked this company

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.

Pros

• Competitive rates

• High customer satisfaction

• Above-average customer claims rating  

Cons

• Gap insurance not available

• Coverage restricted to members of the military community

• Only one retail location in Nevada

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