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Last updated: January 12, 2026Best Car Insurance in Nevada of 2026
Our top picks for auto insurance in Nevada are Nationwide, USAA, State Farm, Travelers, and CSAA (AAA).
Best Value
Editor's Rating:4.8/5
Average Monthly Cost in Nevada
- Full coverage: $180
- Minimum coverage: $71
Best for Military/Veterans
Editor's Rating:5/5
Average Monthly Cost in Nevada
- Full coverage: $166
- Minimum coverage: $63
Best With an At-Fault Accident
Editor's Rating:4.9/5
Average Monthly Cost in Nevada
- Full coverage: $237
- Minimum coverage: $100
Key Takeaways
- Drivers looking for affordability without sacrificing customer service should get a quote from Nationwide, which is our top pick for Best Value in Nevada.
- The average cost of auto insurance in Nevada is $3,373 for full coverage and $1,347 for minimum coverage, both of which are more expensive than the national average.
- The rates listed here are averages, so your rates will likely differ, but they can help give you an idea of what you can expect to pay.
Summary of the Best Auto Insurance in Nevada
- Best Value: Nationwide
- Best for Military/Veterans: USAA
- Best With an Accident: State Farm
- Best With a DUI: Travelers
- Best Customer Satisfaction: CSAA (AAA)
Compare the Best Cheap Auto Insurance in Nevada
| Company | Full Coverage Monthly Avg. in NV | Minimum Coverage Monthly Avg. in NV | Southwest customer satisfaction (J.D. Power) |
|---|---|---|---|
| Nationwide | $180 | $71 | Above average |
| USAA | $166 | $63 | Above average |
| State Farm | $237 | $100 | Above average |
| Travelers | $174 | $83 | Below average |
| CSAA | Data not available | Data not available | Above average |
| Nevada | $281 | $112 | – |
Breaking Down the Best Cheap Auto Insurance in Nevada
1. Best Value - Nationwide
What We Like Most:
- Highly-rated telematics program
- Pay-per-mile policy option
- Great loyalty perks
Why we chose it
Nationwide has the cheapest average rates for full coverage auto insurance in Nevada after USAA, which is only available to the military community. It also ranked second for Southwest customer satisfaction in J.D. Power’s Auto Insurance Study, making it a great mix of affordability and quality service.
The company ranked first in the same study for usage-based insurance, so drivers who want to save even more by participating in the company’s telematics program, Nationwide Smartride, are likely to have a positive experience.
In addition, it has the cheapest rates for Nevada drivers with a speeding ticket and with poor credit.
Who it’s best for
Drivers looking for full coverage auto insurance, those with low credit, and low-mileage drivers.
Nationwide Nevada Pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $166 | $63 |
| Annually | $1,994 | $754 |
| Difference from Nevada average | -41% | -44% |
2. Best for Military/Veterans - USAA
What We Like Most:
- Cheap rates
- Excellent customer and claims satisfaction
- Offers support and resources for military personnel
Why we chose it
USAA offers some of the cheapest average rates available, but its eligibility is limited to members of the military community.
Military-affiliated drivers in Nevada can’t beat USAA’s affordability and stellar customer service record. USAA also has two telematics programs to help policyholders save even more. SafePilot tracks your driving behavior and provides a discount for safe driving, while SafePilot Miles also takes into account how much you drive, making it a great option for those who drive less than average.
Who it’s best for
Drivers eligible for USAA membership, including active military members, veterans, and certain family members.
USAA Nevada Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $143 | $73 |
| Annually | $1,719 | $872 |
| Difference from Nevada average | -36% | -40% |
3. Best With an Accident - State Farm
What We Like Most:
- Below-average rates for drivers with accidents
- Generous telematics programs
- Above-average customer service ratings
Why we chose it
State Farm has some of the cheapest rates in Nevada, on average, for drivers with an at-fault accident on their record, as well as above-average ratings for customer satisfaction in the Southwest region, according to J.D. Power.
State Farm sells policies exclusively through local agents, which can be helpful if you’re unsure about what coverage you need or have any questions. It also has various discounts and two telematics programs, including one designed specifically for young drivers.
Who it’s best for
Drivers with an at-fault accident on their record, those who prefer to work with a local agent, those wanting to bundle auto with home or condo insurance
State Farm Nevada Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $237 | $100 |
| Annually | $2,839 | $1,194 |
| Difference from Nevada average | -16% | -11% |
4. Best With a DUI - Travelers
What We Like Most:
- Affordable rates for drivers with DUIs
- Wide variety of coverage options
- Good selection of discounts
Why we chose it
Travelers offers the most affordable rates for drivers with a DUI conviction in Nevada, with an average annual premium of $2,882. That’s 38 percent cheaper than the state average for drivers with DUIs.
It has a great variety of discounts to help lower rates, including discounts for a new car and for owning a home. If you don’t currently own a car but are frequently renting cars or driving someone else’s vehicle, Travelers also sells non-owner insurance for added peace of mind.
Who it’s best for
Drivers with a DUI on their record and those needing unique coverage options, such as non-owner coverage
Travelers Nevada Pricing
| Travelers | Full coverage (clean record) | Minimum coverage (clean record) |
|---|---|---|
| Monthly | $174 | $83 |
| Annually | $2,085 | $1,002 |
| Difference from Nevada average | -38% | -26% |
5. Best Customer Satisfaction - CSAA (AAA)
What We Like Most:
- Excellent customer satisfaction ratings
- As AAA members, policyholders can access additional benefits and perks
- Many discounts available
Why we chose it
CSAA is an affiliate of AAA and sells auto insurance in select states, including Nevada. It ranked first in J.D. Power’s customer satisfaction survey for the Southwest region.
You generally must be an AAA member to access CSAA’s auto insurance policies, making it a bit of a more exclusive option, but it’s a great option for those who are already AAA members or who are interested in signing up.
In addition to gaining access to AAA’s robust roadside assistance program and other perks, CSAA offers a wide variety of coverages and discounts, including up to 22 percent off when you insure more than one car and up to 14 percent off auto insurance when you bundle with home.
Who it’s best for
Drivers prioritizing customer satisfaction, current AAA members or those wanting AAA roadside assistance.
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southwest1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| Nationwide | 661 | C | 729 | 2.78 |
| USAA | 660 | D+ | 741 | 2.74 |
| State Farm | 648 | C- | 716 | 2.15 |
| Travelers | 626 | C | 691 | 1.42 |
| CSAA | 676 | B- | 720 | 2.94 |
| Average | 636 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 9,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Nevada
USAA has the cheapest car insurance rates in Nevada for full coverage at $1,994 per year on average, but it’s only available to members of the military. For non-military-affiliated drivers, Travelers is cheapest — its average annual premium of $2,085 is 38 percent cheaper than the state average.
| Company | Annual Nevada Average | Monthly Nevada Average |
|---|---|---|
| USAA | $1,994 | $166 |
| Travelers | $2,085 | $174 |
| Nationwide | $2,154 | $180 |
| Progressive | $2,724 | $227 |
| State Farm | $2,839 | $237 |
| GEICO | $2,907 | $242 |
| Mercury | $3,350 | $279 |
| Allstate | $3,633 | $303 |
| American Family | $4,272 | $356 |
| Nevada average | $3,373 | $281 |
| U.S. average | $2,356 | $196 |
Cheapest Minimum Coverage Car Insurance in Nevada
USAA is also the cheapest minimum coverage option in Nevada at $754 annually on average. Nationwide and Progressive have the most affordable rates for non-military drivers at $853 per year and $927 per year, respectively.
| Company | Annual Nevada Average | Monthly Nevada Average |
|---|---|---|
| USAA | $754 | $63 |
| Nationwide | $853 | $71 |
| Progressive | $927 | $77 |
| Travelers | $1,002 | $83 |
| GEICO | $1,090 | $91 |
| State Farm | $1,194 | $100 |
| Mercury | $1,317 | $110 |
| American Family | $1,767 | $147 |
| Allstate | $1,881 | $157 |
| Nevada average | $1,347 | $112 |
| U.S. average | $722 | $60 |
How Many Fatal Car Accidents Happen in Nevada?
According to the Nevada Department of Transportation, there were 381 fatal crashes in 2023, the last year for which there is data.5 Those resulted in a total of 419 fatalities.
In the five years between 2018 and 2022, 71 percent of fatal crashes occurred in urban areas, and the remaining 29 percent in rural areas. Most crashes took place on Saturdays and Fridays.
In 2023, fatalities in Nevada’s largest cities accounted for about 23 percent of the state’s total traffic deaths:6
| City | People Killed in Crashes |
|---|---|
| Las Vegas | 42 |
| North Las Vegas | 24 |
| Reno | 18 |
| Henderson | 4 |
Minimum Auto Insurance Requirements in Nevada
Nevada state law requires that drivers carry an auto insurance policy with at least the following coverage limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $20,000 per accident6
These minimum coverage limits are quite low, so it’s a good idea to increase your limits if you can afford to. If you have a newer vehicle, you may also want to add full coverage to cover damage to your own vehicle.
Frequently Asked Questions
You cannot go without car insurance in Nevada for even a single day because the state does not have a grace period for a lapse in car insurance coverage. If you do not have auto insurance for even a single day, you could face suspension of your registration. To reinstate your vehicle registration, it will cost you $250.
Nevada is not a no-fault state. It is an at-fault state. This means that the person responsible for causing a car accident is also responsible for paying for the damages to the other involved party.
No, Nevada does not mandate drivers have personal injury protection (PIP). In fact, PIP isn’t available in Nevada at all. However, if you relocate from states that do require PIP, such as Florida, you would retain that coverage in your auto insurance. In lieu of PIP, Nevada drivers may purchase optional medical payments coverage, also called MedPay.
If you cause an auto accident and do not have insurance, you will be personally liable for 100 percent of the other party’s damages, which you would have to pay out of pocket.
Methodology
We present the best auto insurance providers for Nevada by analyzing company information, institutional knowledge, and proprietary data, and base our findings on the following:
- Pricing (40%): We look at the average full and minimum coverage for drivers in Nevada, as well as other common driver criteria in Nevada, for example, young drivers, drivers with a DUI, and drivers with a speeding ticket. We consider additional savings and discounts, such as safe driver initiatives and multi-policy discounts, to assess the overall pricing for the providers we review. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): We acknowledge that fulfilling claims is the integral function of an auto-insurance provider. We review third-party data, such as the JD Power Claims Satisfaction score and CRASH Network’s Insurer Report Card, to assess the ease of claims handling for the providers we review.
- Customer Experience (25%): We use regional third-party data, such as J.D. Power’s Customer satisfaction survey and the National Association of Insurance Commissioners (NAIC), to assess the customer experience offered by different providers.
- Coverage Options (10%): We recognize that no two customers have the same insurance needs and favor providers with robust coverage options, such as accident coverage, gap insurance, and car rental coverage.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Sources
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, Jun 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmCrash Data and Tools. Nevada DOT. (2025).
https://www.dot.nv.gov/safety/crash-data-and-toolsTraffic Safety Facts Annual Report Tables. NHTSA (2026).
https://cdan.dot.gov/tsftables/tsfar.htm#Understanding Auto Insurance. Nevada Division of Insurance. (2025).
https://doi.nv.gov/Consumers/Automobile-Insurance/
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