The Cheapest Auto Insurance Companies in Nevada, in 2025
COUNTRY Financial offers the cheapest insurance in Nevada, with an average rate of $53 per month.
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Written byJessica Martel
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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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Edited bySara Getman
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Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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In This Article
Drivers in Nevada spend an average of $196 per month on car insurance. That’s compared to the U.S. national average of $138 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 $53 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.
Key Takeaways
COUNTRY Financial offers the cheapest car insurance in Nevada, with rates as low as $53 per month.
Nevada drivers pay an average rate of $157 per month for liability insurance and $235 per month for full coverage.
State Farm and USAA are some of Compare.com’s top picks for Nevada 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 | $53 |
| Full coverage | COUNTRY Financial | $68 |
| Teens | COUNTRY Financial | $82 |
| Seniors | COUNTRY Financial | $42 |
| Drivers with a speeding ticket | COUNTRY Financial | $70 |
| Drivers with an at-fault accident | COUNTRY Financial | $69 |
| Drivers with a DUI | COUNTRY Financial | $82 |
| Drivers with excellent credit | COUNTRY Financial | $46 |
| Drivers with poor credit | COUNTRY Financial | $64 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $53 |
| State Farm | $77 |
| USAA | $107 |
| Allstate | $138 |
| Sun Coast | $149 |
| Mercury | $155 |
| Root | $177 |
| Direct Auto | $186 |
| Safeco | $190 |
| GEICO | $200 |
| Farmers | $215 |
| Nationwide | $222 |
| Bristol West | $236 |
| Liberty Mutual | $255 |
| Travelers | $257 |
| American Family | $263 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
COUNTRY Financial offers the cheapest car insurance in the state, with rates as low as $53 per month.
Let’s take a look at how your car insurance rates can vary based on factors like your age and driving record.
Estimated Cost: $179 per month
40.1% of drivers like you pay less for car insurance. Compare quotes to save up to $1320 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
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 $157 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.
Average Liability Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Is minimum coverage enough in Nevada?
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.
Cheapest Full-Coverage Car Insurance in Nevada: COUNTRY Financial
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 $235 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.
Average Full-Coverage Rates by Company
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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, lead to more expensive insurance.
Nevada teens pay an average of $341 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.
Average Rates for Teens
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Real-Time Car Insurance Quotes in Nevada
Rates in Nevada start at $53 per month.
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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 $158 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.
Average Rates for Seniors
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $70 |
| State Farm | $94 |
| USAA | $134 |
| Allstate | $173 |
| Sun Coast | $179 |
| Mercury | $212 |
| Direct Auto | $229 |
| Root | $230 |
| Safeco | $244 |
| GEICO | $254 |
| Farmers | $266 |
| Nationwide | $278 |
| Bristol West | $289 |
| Liberty Mutual | $315 |
| Travelers | $322 |
| American Family | $330 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $69 |
| State Farm | $97 |
| USAA | $137 |
| Allstate | $177 |
| Sun Coast | $186 |
| Mercury | $224 |
| Root | $224 |
| Direct Auto | $246 |
| GEICO | $247 |
| Safeco | $258 |
| Farmers | $275 |
| Nationwide | $286 |
| Bristol West | $300 |
| Liberty Mutual | $329 |
| Travelers | $331 |
| American Family | $337 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $82 |
| State Farm | $119 |
| USAA | $165 |
| Allstate | $213 |
| Sun Coast | $240 |
| Mercury | $248 |
| Root | $270 |
| Direct Auto | $287 |
| GEICO | $301 |
| Safeco | $311 |
| Farmers | $331 |
| Nationwide | $342 |
| Bristol West | $364 |
| Liberty Mutual | $393 |
| Travelers | $396 |
| American Family | $405 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $238 per month for car insurance, compared to drivers with excellent credit, who average around $165.
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.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $46 |
| State Farm | $63 |
| USAA | $93 |
| Allstate | $118 |
| Sun Coast | $126 |
| Mercury | $129 |
| Root | $151 |
| GEICO | $160 |
| Direct Auto | $161 |
| Safeco | $167 |
| Farmers | $182 |
| Nationwide | $193 |
| Liberty Mutual | $202 |
| Bristol West | $207 |
| Travelers | $221 |
| American Family | $223 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| COUNTRY Financial | $64 |
| State Farm | $109 |
| USAA | $128 |
| Allstate | $168 |
| Sun Coast | $181 |
| Mercury | $191 |
| Root | $215 |
| Direct Auto | $226 |
| Safeco | $231 |
| GEICO | $243 |
| Farmers | $262 |
| Nationwide | $270 |
| Bristol West | $287 |
| Liberty Mutual | $302 |
| American Family | $309 |
| Travelers | $313 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to Get the Cheapest Car Insurance in Nevada
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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. 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.
| 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. | $53/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. | $68/mo |
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44AM 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 DriverIQ Program can also help safe drivers save up to 25%.
Pros
Low premiums
Many discounts available
DriverIQ telematics program
Cons
No gap coverage available
Online quotes not available
Not accredited by the Better Business Bureau[8]
| 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. | $77/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. | $100/mo |
3.9
A solid optionBased on 590 verified guest reviews and ratings
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
Best For
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
Best For
Reviews (297)
Diana
Verified Review
Well, this year for 2026 the policy has come down
Reviewed in Illinois on November 2025
The problem is the price of the policy for my year of car.
Berton
Verified Review
I have coverage but think I pay too much.
Reviewed in Tennessee on November 2025
I'm dissatisfied with their rate structure. I have a perfect driving record and a non-existent claims history, yet I still pay around $3,000 per year for auto and home insurance. I understand there are others who pay more, yet I am led to believe that most of the annual premiums go to agents.
Angela
Verified Review
Overpriced Insurance
Reviewed in New York on November 2025
They charge too much for car insurance. It's like they say the agents are pocketing some money. I went for the driver's safety course, the 5-hour film, and was supposed to get a discount. I have low miles on my car.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM 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.
| User Reviews | 4.2 |
|---|---|
| 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. | $107/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. | $139/mo |
4.2
Best choiceBased on 118 verified guest reviews and ratings
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
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
Reviews (65)
Lonny
Verified Review
SCAM
Reviewed in Georgia on September 2025
Be sure all the numbers match your conversation with the agent! My outcome is $80 more a month than when I purchased the plan!
Clifford
Verified Review
Rate hikes yet again. Leaving USAA after 28 years.
Reviewed in Arizona on July 2025
They have significantly increased rates over the last few years. I have excellent credit, a clean driving record, and no claims, yet rates increased again this renewal by another $160 per 6 months. My rate has increased over $400 in the last 18 months to now $1562.68 for 6 months.
Natalya
Verified Review
SCAM
Reviewed in Colorado on July 2025
Our experience with USAA was horrendous. We lost our home to Hurricane Beryl. Having been a member for 27 years and never making any claims, this experience was indescribable.
USAA, to whom we had paid $410.36 for years, had me doing their job. No tickets, no DUI, and a 20-year-old driver. That is too expensive for anyone.
After Beryl, there was no power, which meant no electricity, no internet, no open stores, no food, and no gas.
By the beginning of the second month, USAA tried to make Texas Wind and Air responsible, then FEMA, for paying for the broken roof, fallen trees, flooded home, and damaged AC. We decided to pack up and move on our own dime again.
USAA is and always will be a ripoff. Very expensive to be a USAA member. Never again. We are just fine with AAA. Personally, the old ways of taking care of folks with insurance are only found and available with AAA.
USAA has not stopped offering me a job with their claims department since Hurricane Beryl, though. I must know what I am doing better than my agent, who got fired for drinking and falsifying claims documents.
There's more to the storyline with USAA. Plan on having to call them constantly to make sure they are at work.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31AM 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
Available only to military members, veterans, and their families
Limited customer service hours
Nevada Auto Insurance FAQs
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.
How much is car insurance in Nevada?
Nevada drivers pay an average of $196 per month for car insurance, according to Compare.com data. Liability coverage costs an average of $157 per month, and full coverage costs $235.
What’s the cheapest auto insurance company in Nevada?
COUNTRY Financial offers the cheapest car insurance in Nevada, with rates as low as $53 per month, according to Compare.com data.
What’s the best car insurance company in Nevada?
Our top picks for Nevada drivers include COUNTRY Financial, State Farm, and USAA. But the best car insurance for you may be different, so it’s important to compare quotes from multiple insurance companies.
Is car insurance in Nevada expensive?
It depends. Car insurance in Nevada costs $196 per month, according to Compare.com data. That’s compared to the national average of $138 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.
Is minimum coverage enough in Nevada?
It depends. In general, experts recommend getting more insurance than just the minimum coverage because liability insurance doesn’t cover you or your car in an at-fault accident. Full coverage covers you and your car in an accident, regardless of fault.
If you have a lease or a loan on your car, your lender may require you to have full coverage.
Do you need insurance to register a car in Nevada?
Yes. You must present proof of auto insurance to register your vehicle in Nevada. You’ll need minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. The state electronically verifies you have adequate coverage through its NVLIVE system.
What is full-coverage car insurance in Nevada?
Full coverage typically includes liability insurance (required by law), collision coverage for at-fault accidents, and comprehensive coverage for non-collision damage, such as theft or weather-related incidents. You might also add uninsured/underinsured motorist coverage for extra protection, but it’s optional in Nevada.
Is car insurance cheaper in Nevada than in California?
No. Car insurance is more expensive in Nevada than in California. Nevada drivers pay around $196 per month compared to California’s $144 average, according to Compare.com data. Nevada ranks above the national average, while California’s rates are more moderate.
Why are insurance companies leaving Nevada?
Some insurers have left Nevada as part of broader regional pullouts from Western states, not just Nevada specifically. The exits reflect industry-wide challenges, including rising home insurance claims costs, natural disaster risks, and business decisions by parent companies rather than Nevada-specific issues.[11]
Is $200 per month expensive for car insurance in Nevada?
Not really. It’s actually right around Nevada’s average. Full coverage in Nevada typically costs $235 per month, according to Compare.com data. But your actual rate depends on your driving record, location, and coverage choices.
Methodology
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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- National Insurance Crime Bureau. "Vehicle Thefts in United States Fell 17% in 2024."
- Nevada Division of Insurance. "Understanding Auto Insurance."
- Nevada Division of Insurance. "Higher minimum vehicle liability requirements."
- IIHS. "Teenagers."
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Jessica MartelPersonal Finance Writer
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.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.