Nevada Capital vs. Nevada General: Which Company is the Best Fit for You?

So, you're in the market for a new insurance policy. You may have even narrowed down your search to Nevada Capital and Nevada General. But which of these two companies is the best one for you? Read on to find which carrier has the best prices and biggest discounts.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Based on national averages for car insurance, Nevada Capital offers significantly cheaper premiums than Nevada General
  • Nevada Capital has more affordable rates for policyholders whose driving record contains an at-fault collision
  • Nevada Capital offers more affordable prices for policyholders who drive fewer than 6,000 miles every year

Nevada Capital or Nevada General: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Nevada Capital or Nevada General as your top options, but between the two, which carrier has less expensive rates for auto insurance?

Nevada Capital Nevada General

As you can see, Nevada General is quite a bit more expensive than Nevada Capital, with premiums averaging $249 a month compared to just $125 with Nevada Capital when looking at the national average rates for insurance.

That being said, that doesn't mean Nevada Capital will necessarily be cheaper than Nevada General for every driver. Auto insurance carriers vary their prices depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and tons of other factors. So, at the end of the day, premiums from each company will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Nevada Capital and Nevada General by many different rate factors, so read on to find out which carrier is the best for you.

Nevada Capital vs. Nevada General: Average Car Insurance Rates by State

State Nevada Capital Nevada General

Both Nevada Capital and Nevada General only offer car insurance in Nevada, so you'll see that the average figures here will mirror the ones we mentioned above. Nevada Capital drivers tend to pay about $124 per month less on average compared to drivers who use Nevada General for their auto insurance.

Typically, your home state will play a hefty role in how much you pay for car insurance, but since both companies only do business in Nevada, multiple other variables will come into play when you compare Nevada Capital and Nevada General. Keep reading to find out more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Nevada Capital Nevada General
18-year-old drivers$274$599
25-year-old drivers$125$209

You might already know that teen drivers typically pay a lot more for insurance than any group on the road. It's generally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Nevada Capital for their insurance pay almost 55% less than those who use Nevada General.

However, both companies will decrease rates by the time drivers turn 25. For example, average prices for Nevada Capital policyholders drop around $150 and Nevada General's rates lower nearly $400 over that time.

Which is the Best Company for Retired Drivers?

Nevada Capital Nevada General
65+-year-old drivers$85$188

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever see.

So, which company offers the best premiums to retired drivers? Nevada Capital gets the edge here, with average rates coming in at about $85 per month compared to Nevada General's $188.

Which is the Best Company for Married Drivers?

Nevada Capital Nevada General

You may not be aware, but car insurance premiums tend to be more expensive for single drivers than they are for married policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something several auto insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Nevada Capital rates coming in at around half of Nevada General's. The advantage for married drivers with Nevada Capital is also obvious, where drivers save over 45% a month.

Nevada Capital or Nevada General: Average Rates by Gender

Nevada Capital Nevada General

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, women tend to get cheaper rates than men.

With Nevada Capital, women usually pay about $2 per month less than men, but with Nevada General, the difference is closer to $5 a month.

When it comes to the most affordable premiums for each gender, Nevada Capital comes out on top for both men and women. On average, male drivers save about $125 per month and women save around $122 with Nevada Capital compared to the average Nevada General policyholder.

Find your best rate in just a few minutes

Nevada Capital vs. Nevada General: Compare State Minimum vs. Full Coverage Rates

Nevada Capital Nevada General
State Minimum*$75$150
Full Coverage**$174$348

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be a complicated subject for most people. There are multiple different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

But most policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability limits, Nevada Capital has the significant edge, with average monthly prices coming in at $75. If you want a full coverage policy with the same state minimum limits, Nevada Capital again has the edge, with policies averaging about $174 a month to Nevada General's $348.

Is Nevada Capital or Nevada General Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your rates, but is Nevada Capital or Nevada General more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Nevada Capital Nevada General
Clean Record$89$209
1 Speeding Ticket$116$231

Policyholders who use Nevada Capital for their auto insurance can normally expect their monthly bill to go up around 23% after getting a speeding ticket. Nevada General policyholders can expect a less drastic increase of about 10%.

However, Nevada Capital tends to offer the best prices for drivers both with clean records and with a ticket. With Nevada Capital Insurance Company, drivers with a clean record can save around $120 per month and drivers with a speeding ticket can save about $115 a month.

Which Company is Best for Drivers After an Accident?

Nevada Capital Nevada General
Clean Record$89$209
1 At-Fault Accident$126$257

Both carriers will raise premiums pretty significantly if you get into an at-fault accident with Nevada General climbing by around 19%. Nevada Capital has a less extreme climb, but you can still expect to pay nearly 30% more than you were prior to your first collision.

At the end of the day, Nevada Capital offers the lowest prices for drivers with an at-fault accident on their records, with average rates coming in at $126 compared to Nevada General Insurance Company's $257.

Which Company is Best for Drivers with a DUI?

Nevada Capital Nevada General
Clean Record$89$209
1 DUI$168$298

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- typically a lot more than a collision or ticket. On average, Nevada General will climb your premiums about 30% after a DUI, while Nevada Capital's average prices increase by more than 45%.

But if you end up with a DUI charge and are looking for more affordable premiums, Nevada Capital tends to be less expensive for the average driver, with monthly premiums coming in at around $168 to Nevada General's $298.

Find your best rate in just a few minutes

How does Credit Score Impact Nevada Capital and Nevada General Rates?

Did you know many car insurance companies take into account your credit score when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it does affect many drivers out there.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at Nevada Capital and Nevada General specifically, which company has the cheapest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Nevada Capital Nevada General
Excellent Credit Score$100$249
Good Credit Score$114$249

If you have great credit, Nevada Capital will generally reward you the most. For policyholders with "excellent" credit scores, Nevada Capital comes in just under 59.84 more affordable. Drivers with "good" credit scores usually save about 54% with Nevada Capital compared to average prices from Nevada General.

Which Company is Best for Drivers with Bad Credit?

Nevada Capital Nevada General
Fair Credit Score$128$249
Poor Credit Score$156$249

Nevada Capital typically offers lower premiums than Nevada General when it comes to drivers with bad credit. Drivers with "fair" credit pay around 49% per month less with Nevada Capital compared to Nevada General, and those with "poor" scores normally save an average of about 37% monthly.

Find your best rate in just a few minutes

Is Nevada Capital or Nevada General Better for Drivers who Work from Home or Have Short Commutes?

Nevada Capital Nevada General
6,000 Annual Miles$117$249
12,000 Annual Miles$132$249

Did you know that the amount of time you spend in your car have a substantial impact on your monthly insurance bill? Typically, those who drive less will end up with less expensive rates since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Nevada General charges. However, there's a pretty significant difference in monthly prices for Nevada Capital, with drivers who put 6,000 miles on their car annually paying around $15 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Nevada Capital is the cheaper carrier.

Nevada Capital or Nevada General: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a pretty big impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Nevada Capital Nevada General
Urban Areas$171$347
Suburban Areas$114$191
Rural Areas$89$209

Nevada Capital boasts the lowest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 57% with Nevada Capital compared to Nevada General. People who live in suburban areas pay around 40% less with Nevada Capital compared to Nevada General. For drivers in urban ZIP codes, Nevada Capital Insurance Company's average premiums are about 51% less than Nevada General Insurance Company.

Nevada Capital vs. Nevada General Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Nevada Capital and Nevada General offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Nevada Capital Nevada General
ABS Discount 
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount 
Defensive Driver Discount
Driver Training Discount 
EFT Discount 
Employee Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount 
Group Discount 
Homeowner Discount 
Multi-Car Discount 
Multi-Policy Discount 
New Vehicle Discount 
Online Quote Discount 
Paid In Full Discount 
Passive Restraint Discount
Prior Carrier Discount 

Nevada Capital knocks Nevada General out of the park when it comes to the sheer number of discounts available, offering 15 different discounts to Nevada General's nine.

A couple of those are overlapping for things like discounts for being a defensive driver, passive restraint discounts, and renewal discounts. Nevada Capital also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Nevada General has a few proprietary discounts of their own for things like agency transfer discounts, driver training discounts, EFT discounts, and more.

Find your best rate in just a few minutes

Final Thoughts: Is Nevada Capital or Nevada General Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which carrier is the best fit for you?

Nevada Capital might be best for you if....

  • Your driving record includes a DUI charge.
  • You care about discounts (Nevada Capital offers the most).
  • You want to save money while purchasing insurance for a teenager.

Nevada General might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a better idea of the difference between Nevada Capital and Nevada General and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Nevada Capital and Nevada General. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Find your best rate in just a few minutes

Nevada Capital vs. Nevada General FAQs

Is Nevada Capital or Nevada General cheaper?

Nevada Capital is the less expensive of the two carriers when looking at national average prices, with policies averaging $125 a month with Nevada Capital and $249 for Nevada General. That being said, that doesn't mean Nevada Capital will be the most affordable company for everyone, since there are several different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Nevada Capital or Nevada General?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is "better" for everyone -- it all boils down to your unique car insurance profile.

Why do Nevada Capital and Nevada General offer me different rates?

Insurance companies use lots of different factors when calculating the premiums they charge. Things such as gender, where you call home, your driving record, age, and sometimes even things like your credit score can all come into play. Both Nevada Capital and Nevada General calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Nevada Capital or Nevada General is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Nevada Capital or Nevada General at all, but another you hadn't even thought of!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

About'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.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes