The Best Auto Insurance for Nevada in 2024

For more than 90 years, Allstate has been promising to keep its policyholders in “good hands,” as its popular ad campaign puts it. One of the largest insurers in the United States, Allstate offers a wide variety of products and services in all 50 states. Residents of Nevada have access to more than 50 local agents scattered throughout the state, including offices in Las Vegas and Reno. Allstate also has received a stellar rating from the 2021 J.D. Power U.S. Auto Insurance study, which gave it a score of 822 in the Southwest region.¹

Allstate’s Coverage Options

Nevada, like most states, requires its residents to purchase the following minimum coverage for auto insurance:²

• $25,000 for bodily injury or death of one person in a single accident
• $50,000 for bodily injury or death of two or more people in any one accident
• $20,000 for injury to or destruction of property of others in a single accident

Allstate gives policyholders many choices beyond the state’s minimum requirements for liability insurance coverage when it comes to car insurance.

• Comprehensive: Comprehensive coverage goes beyond collision damage to include hitting animals, vandalism, weather events, and theft. Normal vehicle wear and tear is not covered under comprehensive.
• Medical payments: Liability coverage applies to the medical expenses of an affected party only when the accident is your fault. Medical payments coverage provides protection for you and your passengers no matter who’s at fault.
• Mexico coverage: If you have a car accident while in Mexico, Allstate will work with Mexican insurance companies to give you coverage for car repairs and medical bills.
• Rental reimbursement: An optional coverage, rental reimbursement coverage will assist you in paying for a rental vehicle or public transportation costs while your vehicle is in the repair shop for a covered insurance claim.
• Roadside assistance: Allstate Roadside provides 24/7 roadside assistance for jump-starts, flat tires, lockouts, and tows for as little as $25 per vehicle.
• Windshield and glass: Allstate policies have Auto Glass Claim Express, which allows you to pick from more than 7,200 repair shops to complete a repair.

Bundling

Allstate has an extensive list of auto-related policies, including coverage for RVs, motor homes, and classic cars. In addition, it offers homeowners and renters insurance. By bundling your auto and home or renters insurance, you can save up to 25 percent. Adding other insurance could lower your premiums even more. Here’s a list of what else Allstate insures:

• Boat
• Business
• Classic car
• Condo
• Homeowners
• Identity protection
• Landlord
• Life
• Motorcycle
• Off-road vehicle
• Pet
• Phone protection
• Renters
• RV
• Special event
• Voluntary employee and supplemental

Local Agents

A major benefit of Allstate is its extensive network of local agents throughout the United States. In Nevada, there are more than 50 local Allstate agents ready to assist you with your auto insurance policy. Here are the Nevada cities where these agents are located:

• Carson City
• Fernley
• Gardnerville
• Henderson
• Las Vegas
• Mesquite
• North Las Vegas
• Reno
• Sparks

More than 100 years ago, Liberty Mutual began offering auto insurance. Today, its online platform allows potential customers a quick and easy way to receive quotes or sign up for a policy. Liberty Mutual has a plethora of discounts to keep your auto insurance affordable, and it offers add-on coverage, such as new-car replacement and original parts replacement coverage.

Liberty Mutual Discounts

Liberty Mutual gives customers several ways to customize their car insurance policy to meet their individual needs while saving money. Here are some of the more popular ways policyholders can save with their Liberty Mutual auto insurance.

• Multi-policy: Liberty Mutual gives a discount for those who purchase more than one insurance policy, such as combining auto and homeowners or renters insurance.
• Online purchase: Buy your policy online to save money.
• Claims-free: Your auto insurance premium will decrease if your driving history is claims-free.
• Paperless policy: Opt to receive all of your insurance documents electronically and earn a discount.
• RightTrack: You’ll get an initial discount just for signing up for Liberty Mutual’s RightTrack program, which tracks your driving behavior. Plus, many drivers also see additional discounts of up to 30 percent on their car insurance for continued participation, according to their driving.

Optional Add-ons

Need more ways to customize your auto insurance policy? Liberty Mutual provides several extra options to get the coverage you need:

• Better-car replacement: With this replacement coverage, you will receive money for a model one year newer than your totaled vehicle.
• Lifetime repair guarantee: When you use an approved direct repair center after an accident, this coverage will provide a warranty for the repairs as long as you own your vehicle.
• Gap insurance: If your financed or leased vehicle ends up totaled and the car’s value is less than the amount you owe, gap insurance steps in to pay the remaining amount owed.
• New-car replacement: If your new car is totaled within the first year of ownership, new-car replacement coverage will allow you to purchase a brand-new vehicle.
• Original parts replacement: This optional coverage lets you use OEM parts to replace damaged vehicle parts.

Other Insurance Options

Liberty Mutual provides many other types of insurance for you to consider in addition to your auto insurance policy.

• Accident insurance
• Antique and classic car
• ATV and off-road vehicle
• Boat and watercraft
• Business
• Condo
• Critical illness
• Flood
• Home
• Identity theft
• Landlord
• Life
• Mobile home
• Motorcycle
• Pet
• Property
• Recreational vehicle
• Renters
• Tuition
• Umbrella

Since 1922, the United Services Automobile Association (USAA) has served members and veterans of the U.S. Armed Forces and their families. The company provides unique discounts for military members, as well as auto insurance for rideshare drivers. USAA has a robust online presence, allowing members easy access to their insurance policies and payment options, whether at home or abroad.

Serving the Military

USAA offers more than just car insurance for members of the military and their families living in the United States. The company underwrites auto insurance throughout the U.S. territories and even some foreign nations, including:

• Azores
• Belgium
• Cuba
• France
• Germany
• Greece
• Guam
• Italy
• Netherlands
• Portugal
• Puerto Rico
• South Korea
• Spain
• United Kingdom

In addition, the company has two discounts designed specifically for those in the U.S. Armed Forces:

• Military on-base discount: Members can save up to 15 percent on comprehensive coverage if they garage their vehicle on base.
• Vehicle storage discount: USAA also gives a discount of up to 60 percent if the member is deployed or stores the insured vehicle. To qualify for the discount, the car must not be driven, and it must be stored in a secure location.

Rideshare Drivers

If you drive for a rideshare company, such as Uber or Lyft, you will need additional insurance coverage specific to that job because your personal car insurance doesn’t cover commercial driving. Keep in mind your rideshare company’s coverage applies to you only when a customer is in the car, which means you do not have coverage while waiting for a match or on your way to pick up a customer. Rideshare coverage provides insurance while you’re in between rides.

Here’s how rideshare works with your insurance and why you need specific coverage if you drive for a rideshare company.

Discounts

USAA offers numerous ways for members to save on auto insurance premiums, including several related to usage and safe driving:

• Safe driving: Enrolling in SafePilot, USAA’s telematics program, could save you up to 30 percent on your car insurance. The company gives you a 10 percent discount upon enrollment in the program. After you install the USAA SafePilot app, it starts tracking your driving and logging your trips automatically. When your next policy renewal rolls around, USAA gives you a new rate based on your driving, then resets your driving score for the next policy period (typically six months).
• Defensive driving: You also qualify for a discount if you keep a good driving record for more than five years and if you finish an approved basic driver training or defensive driving course
• Vehicle equipment: You can receive a discount for having an anti-theft device installed or activated in your insured vehicle.
• Low mileage: USAA gives members a discount for driving less through its usage-based low-mileage program. However, members living in North Carolina or Hawaii aren’t eligible for this discount.

As one of the biggest companies and insurance providers, State Farm offers a wide variety of insurance products. The company also has targeted discounts for young drivers, making it a good choice for those with teenagers behind the wheel. Its robust mobile app allows you to pay your premium and view your policy, among other things.

Discounts for Young Drivers

Teen drivers pay some of the highest premiums for auto insurance because of their inexperience in operating motor vehicles. Besides age, insurance companies also consider gender, ZIP code, mileage, and vehicle when crafting premiums for young drivers. State Farm gives parents insuring teens and young adults several ways to lower the cost of car insurance through its young drivers discounts:

• Steer Clear driver program: Young drivers under the age of 25 with a valid driver’s license may take the State Farm Steer Clear program to receive a discount on their auto insurance. The program requires the driver to complete five training modules, consisting of driving scenarios, videos, and quizzes, and five hours of practice driving over at least 10 trips. In addition, friends or family members provide feedback on the app about the driver’s progress. Finally, to qualify for the discount of up to 15 percent, the driver must also have no at-fault accidents or moving violations during the past three years.
• Good student: Students under the age of 25, including college students and those who are homeschooled, could receive a discount of up to 25 percent if they confirm through submitted standardized tests or report cards they rank in the upper 20 percent of their class.
• Student away at school: If your college student listed on your policy is under 25 and uses a covered vehicle only while at home during holidays or school vacations, you could receive a discount.

Other Insurance Coverage

Like many insurance companies, State Farm provides other coverage beyond basic car insurance. These extras allow you to customize your policy to meet your specific needs. Here are some of the options State Farm offers its auto insurance holders:

• Car rental: When your vehicle is being repaired under a covered claim, State Farm will assist with rental costs, either paying the company directly if it’s within State Farm’s network or reimbursing you up to the policy amount.
• Emergency road service: State Farm will pay for towing; oil, gas, battery, or tire delivery; locksmith labor; and an hour of mechanical labor at the site of the breakdown.
• Gap insurance: The company provides payoff protection if your loan originates through State Farm Bank. This type of insurance covers the difference between the amount your auto insurance pays on a total loss claim and the outstanding principal balance of your loan.
• Repayment of deductible expense: You could receive up to $500 toward your deductible if you experience a covered-loss accident while driving a rental car.
• Rideshare: If you drive for a rideshare company, State Farm can provide an endorsement to extend your personal auto policy while using your vehicle for that service.
• Travel expenses: The company will pay for lodging, transportation, and meals between your destination and vehicle — both ways — if your covered vehicle sustains damage more than 50 miles from home. However, the coverage cap is $400 per loss.

Mobile App

State Farm has one of the best mobile apps, with a robust variety of convenient features that enable you to pay your policy or track claims on the go. The State Farm Mobile App received a 4.8-star rating on the Apple App Store and a 4.7-star rating on Google Play.

With the app, you can do the following:

• Access your insurance policies
• Find assistance for dead batteries, tire changes, stuck vehicles, etc.
• Find repair facilities
• Pay your insurance premium through Apple Pay or Google Pay
• Receive customized notifications and reminders
• Start and track a property or vehicle claim, including a glass claim
• View auto insurance ID cards, as well as add them to your Google Pay or Apple Wallet