Compare Cheap Auto Insurance in Nevada

USAA, which is only available to the military community, offers the lowest average rates in Nevada at $1,994 annually. Nonmilitary drivers can find below-average rates from Travelers and State Farm at $2,085 annually and $2,839 annually, respectively.

USAA also has the cheapest rates, on average, for minimum coverage in Nevada, with an average annual premium of $754. Nationwide and Progressive have slightly higher average rates at $853 per year and $927 per year, respectively, but they are still below the state average of $1,347.

Nevada households with teen drivers should expect to pay much more than older age groups — the average annual cost for teens is $9,399, which is almost three times the average rate for drivers in their 30s. USAA and Nationwide offer the cheapest rates for policies with teens at $5,366 per year and $5,523 per year, respectively.

Nationwide has the lowest rates for drivers with a speeding ticket in Nevada at $1,703 per year on average. USAA also has affordable rates at $2,170 per year. Nonmilitary drivers can also find cheap rates fromTravelers, which has an average annual premium of $2,479.

Drivers with an at-fault accident in Nevada can find the cheapest auto insurance rates from USAA (if eligible), Travelers, and State Farm. All three companies have average annual premiums well below the state average of $4,675.

Travelers has the cheapest rates for Nevada drivers with a DUI on their record with an average premium of $2,874 per year. Nationwide also has competitive rates at $3,321 annually.

In Nevada, drivers with low credit will find the best rates, on average, from Travelers. USAA and Progressive also offer competitive rates.

In addition to offering competitive pricing in Nevada for a multitude of policy and driver profiles, Nationwide also scored above average in J.D. Power’s study for customer satisfaction in the Southwest region and above average in their study for claims satisfaction in the U.S. CSAA (AAA) also earned high ratings for customer satisfaction in Nevada, though pricing data is unavailable.

Your quoted rate will differ from the average, so it’s always worth getting estimates from several companies and considering customer experience before making a decision.

1. Compare rates: Although certain companies may have lower average rates than others, how much you pay will depend on your specific driving profile, so it’s important to get quotes from various companies to ensure you get the best price — the cheapest company may surprise you.
2. Bundle policies: An easy way to save money on your auto insurance premiums is to bundle your policy with another insurance type. If you need home or renters insurance, for example, get quotes along with your car insurance, as it will likely be cheaper than going with two separate companies.
3. Drive safely: Having violations on your record will cause your premiums to increase — for example, a DUI in Nevada can raise rates by 68 percent on average. Practicing safe driving habits and avoiding violations will help keep your rates affordable.
4. Look for discounts: All auto insurance companies offer discounts, although the exact ones you may be eligible for will vary by insurer. Make sure you check which discounts are available when you get quotes, but keep in mind that a company with fewer discounts may still end up being the cheapest if their base rate is lower.

Las Vegas is the most expensive city in Nevada for car insurance, with an average annual premium of $4,359. North Las Vegas also has high rates at $4,353. By comparison, rates in Reno are below the state average at $2,696 per year.

Nevada drivers must carry an auto insurance policy with at least the following coverage limits to abide by state law:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $20,000 per accident

These minimum coverage limits are relatively low, so it’s wise to increase your limits if you can afford to for added financial protection and peace of mind. If you have a newer vehicle, consider also adding full coverage to cover damages to your own vehicle.

We analyze average auto insurance premiums in Nevada for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, and teenagers. 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: $100,000 per person/$3000,000 per accident
• Comprehensive and collision: $500 deductible