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Last updated: April 2, 2025
Compare Cheap Auto Insurance in Nevada
GEICO and Nationwide offer some of the cheapest auto insurance rates in Nevada; USAA is often cheapest for veterans and members of the military.
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Auto insurance in Nevada costs $2,696 per year on average, which is 12 percent higher than the national average. Minimum coverage is more expensive relative to the national average — the average cost in Nevada is $1,461 per year, more than double the national average of $635 for minimum coverage.
While the average cost of auto insurance across Nevada is driven up by large cities like Las Vegas and Paradise, rates vary depending on where in the state you live. For example, premiums tend to be lower in Reno than in Vegas.
Overview
- The average cost of full coverage auto insurance in Nevada is $2,696 per year, while minimum coverage costs an average of $1,461 per year.
- USAA, Nationwide, and GEICO offer the lowest average rates for most driver categories, although the former is only available to military-affiliated drivers.
- Travelers and Progressive tend to have below-average rates for high-risk drivers in Nevada.
Jump to:
- Cheapest full coverage auto insurance in Nevada: USAA ($1,719 annually) and Nationwide ($1,825 annually)
- Cheapest minimum coverage: USAA ($872 annually) and GEICO ($1,016 annually)
- Cheapest with a speeding ticket: Nationwide ($1,859 annually) and USAA ($1,873 annually)
- Cheapest with a teen driver: USAA ($4,793 annually) and GEICO ($5,495 annually)
- Cheapest with low credit: Nationwide ($2,076 annually) and Mercury ($2,544 annually)
- Cheapest with a DUI: Travelers ($2,822 annually) and Progressive ($3,153 annually)
- Cheapest with an at-fault accident: USAA ($2,637 annually) and Travelers ($2,772 annually)
Cheapest Car Insurance in Nevada for Full Coverage: USAA
USAA, which is only available to the military community, offers the lowest average rates in Nevada at $1,719 annually. Nonmilitary drivers can find below-average rates from Nationwide and Travelers at $1,825 annually and $1,871 annually, respectively.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| USAA | $1,719 | $143 |
| Nationwide | $1,825 | $152 |
| Travelers | $1,871 | $156 |
| State Farm | $2,075 | $173 |
| Progressive | $2,105 | $175 |
| Farmers | $2,117 | $176 |
| GEICO | $2,193 | $183 |
| Mercury | $2,595 | $216 |
| American Family | $3,098 | $258 |
| Allstate | $3,202 | $267 |
| Nevada average | $2,696 | $225 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Nevada for Minimum Coverage: USAA
USAA also has the cheapest rates, on average, for minimum coverage in Nevada, with an average annual premium of $872. GEICO and State Farm have slightly higher average rates at $1,016 per year and $1,090 per year, respectively, but they are still below the state average of $1,461.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| USAA | $872 | $73 |
| GEICO | $1,016 | $85 |
| State Farm | $1,090 | $91 |
| Progressive | $1,118 | $93 |
| Nationwide | $1,209 | $101 |
| Travelers | $1,280 | $107 |
| Mercury | $1,375 | $115 |
| American Family | $1,904 | $159 |
| Allstate | $1,938 | $162 |
| Farmers | $2,118 | $176 |
| Nevada average | $1,461 | $122 |
| National average | $635 | $53 |
Cheapest Car Insurance in Nevada for Teen Drivers: USAA
Nevada households with teen drivers should expect to pay much more than older age groups — the average annual cost for teens is $8,687, which is more than three times the average rate for drivers in their 30s. USAA and GEICO offer the cheapest rates for policies with teens at $4,793 per year and $5,495 per year, respectively.
| Provider | Annual With Teen Driver | Monthly With Teen Driver |
|---|---|---|
| USAA | $4,793 | $399 |
| GEICO | $5,495 | $458 |
| Nationwide | $5,914 | $493 |
| Travelers | $5,983 | $499 |
| State Farm | $6,914 | $576 |
| American Family | $8,684 | $724 |
| Progressive | $9,533 | $794 |
| Mercury | $10,541 | $878 |
| Allstate | $12,421 | $1,035 |
| Farmers | $15,077 | $1,256 |
| Nevada average | $8,687 | $724 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Nevada With a Speeding Ticket: Nationwide
Nationwide has the lowest rates for drivers with a speeding ticket in Nevada at $1,859 per year on average. USAA also has affordable rates at $1,873 per year. Nonmilitary drivers can also find cheap rates from State Farm, which has an average annual premium of $1,927.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| Nationwide | $1,859 | $155 |
| USAA | $1,873 | $156 |
| State Farm | $1,927 | $161 |
| Mercury | $2,411 | $201 |
| Travelers | $2,414 | $201 |
| Progressive | $2,918 | $243 |
| GEICO | $3,126 | $260 |
| Allstate | $3,293 | $274 |
| American Family | $4,305 | $359 |
| Farmers | $4,590 | $383 |
| Statewide average | $3,323 | $277 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Nevada With an At-Fault Accident: USAA
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 $3,660.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| USAA | $2,637 | $220 |
| Travelers | $2,772 | $231 |
| State Farm | $2,873 | $239 |
| Nationwide | $3,290 | $274 |
| Progressive | $3,542 | $295 |
| GEICO | $4,356 | $363 |
| Allstate | $5,013 | $418 |
| Mercury | $5,722 | $477 |
| American Family | $6,158 | $513 |
| Farmers | $7,860 | $655 |
| Statewide average | $3,660 | $305 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Nevada With a DUI: Travelers
Travelers and Progressive have the cheapest rates for Nevada drivers with a DUI on their record with average premiums of $2,822 per year and $3,153 per year, respectively. USAA also has competitive rates for veterans and military drivers at $3,490 annually.
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| Travelers | $2,822 | $235 |
| Progressive | $3,153 | $263 |
| USAA | $3,490 | $291 |
| Nationwide | $3,531 | $294 |
| State Farm | $3,955 | $330 |
| Allstate | $4,287 | $357 |
| Mercury | $4,333 | $361 |
| GEICO | $4,459 | $372 |
| American Family | $5,423 | $452 |
| Farmers | $5,684 | $474 |
| Statewide average | $4,521 | $377 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Nevada With Low Credit: Nationwide
In Nevada, drivers with low credit will find the best rates, on average, from Nationwide. The company has an annual average rate of $2,076, which is 55 percent less than the state average. Mercury and Travelers also offer competitive rates at $2,544 per year and $3,264 per year, respectively.
| Provider | Annual With Low Credit | Monthly With Low Credit |
|---|---|---|
| Nationwide | $2,076 | $173 |
| Mercury | $2,544 | $212 |
| Travelers | $3,264 | $272 |
| USAA | $3,364 | $280 |
| Progressive | $3,489 | $291 |
| GEICO | $3,737 | $311 |
| American Family | $5,102 | $425 |
| Allstate | $5,159 | $430 |
| Farmers | $5,773 | $481 |
| State Farm | $6,397 | $533 |
| Statewide average | $4,618 | $385 |
| National average | $3,377 | $281 |
TIP:
In Nevada, drivers with poor credit pay 71 percent more on average than drivers with good credit. Maintaining a good credit record or improving your credit is key to keeping your auto insurance rates low.
Best Claims and Customer Satisfaction in Nevada: American Family
American Family tends to have above average auto insurance rates in Nevada, but the company has the strongest customer service record (apart from USAA, which is limited to the military community). Your quoted rate may differ from the average, so it’s always worth getting estimates from several companies and considering customer experience before making a decision.
| Provider | Southwest Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card Grade3 |
|---|---|---|---|
| USAA | 733 | 726 | D+ |
| American Family | 656 | 692 | C+ |
| State Farm | 646 | 710 | C- |
| Allstate | 633 | 691 | D |
| Nationwide | 618 | 728 | C |
| GEICO | 618 | 692 | C- |
| Progressive | 614 | 672 | C |
| Farmers | 599 | 706 | C- |
| Travelers | 565 | 684 | C |
| Mercury | N/A | 663 | C+ |
| Average | 635 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Nevada
- 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.
- 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.
- 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.
- 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.
Average Auto Insurance Cost in Nevada by City
Paradise is the most expensive city in Nevada for car insurance, with an average annual premium of $4,017. Las Vegas and North Las Vegas also have very high rates. By comparison, rates in Reno are below the state average at $2,516 per year.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Reno | $2,516 | $210 |
| Henderson | $3,430 | $286 |
| North Las Vegas | $3,947 | $329 |
| Las Vegas | $3,976 | $331 |
| Paradise | $4,017 | $335 |
| Nevada average | $2,696 | $225 |
Minimum Car Insurance Requirements in Nevada
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.
Frequently Asked Questions
Who has the cheapest car insurance in Nevada?
USAA offers the cheapest car insurance in Nevada, with average annual rates of $1,719 for full coverage and $872 for minimum coverage. For nonmilitary drivers, Nationwide has the cheapest full coverage at $1,825 annually on average, and GEICO has the cheapest minimum coverage at $1,016 annually on average.
What is the cheapest type of car insurance?
The cheapest type of car insurance is minimum coverage, which in Nevada includes $25,000 per person and $50,000 per accident in bodily injury liability and $20,000 per accident in property damage liability. However, while opting for minimum coverage will save you money on premiums, it can backfire if you get into an accident and have to pay significant out-of-pocket costs because your coverage isn’t sufficient.
Is an old car cheaper to insure?
An old car is often cheaper to insure than newer cars, but it depends on several factors. A car with low replacement value and lower repair costs, which tend to be older cars, will be cheaper to insure as they present less risk to the insurer. However, some older cars qualify as classic cars, which require a special type of insurance and may be more expensive.
What discounts are available for car insurance in Nevada?
There are numerous discounts available for car insurance in Nevada, although the exact options will vary by insurer. Common discounts include bundling, good driver, good student, distant student, safety equipment, and low-mileage discounts. However, check with your provider to find out what they offer and what you’re eligible for.
Methodology
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: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
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.
Citations
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/
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