Cheapest Car Insurance Quotes in Nevada (2026)
Travelers has the cheapest car insurance in Nevada. At $206 per month, full coverage from Travelers is $129 per month cheaper than the state average.
Find Cheap Car Insurance Quotes in Nevada
Best cheap Nevada car insurance
Best and cheapest car insurance in Nevada
- Cheapest full coverage: Travelers, $206/mo
- Cheapest minimum liability: Travelers, $90/mo
- Cheapest for young drivers: Geico, $245/mo
- Cheapest after a ticket: Travelers, $258/mo
- Cheapest after an accident: State Farm, $286/mo
- Cheapest for teens after a ticket: Geico, $344/mo
- Cheapest after a DUI: Travelers, $301/mo
- Cheapest for poor credit: Travelers, $336/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best mix of cheap rates and great customer service in Nevada. However, it's not typically the cheapest option.
Travelers has the cheapest quotes for most Nevada drivers, but its poor customer service reviews mean it could take longer to get you back on the road after a crash. It may be worth spending more to get more reliable customer service from State Farm.
Cheapest car insurance in Nevada: Travelers
Travelers, State Farm and USAA have the cheapest rates in Nevada for full coverage car insurance.
Find Cheap Car Insurance Quotes in Nevada
- Travelers has the cheapest quotes for most people in Nevada, at an average of $206 per month. However, Travelers’ customer service reviews aren’t very good.
- State Farm is the best choice for most Nevada drivers, as it offers the best mix of affordable rates and reliable customer service. State Farm is $80 per month more than Travelers, but it may be worth it to pay extra for State Farm’s better customer service, if you can afford it.
- USAA has the cheapest rates overall, at just $149 per month. However, only military members, veterans and some of their family members can buy car insurance from USAA.
Best cheap full coverage car insurance in Nevada
Company | Monthly rate | |
|---|---|---|
| Travelers | $206 |
| State Farm | $286 |
| Geico | $291 |
| Progressive | $302 |
| Key Insurance | $370 |
USAA* is only available to current and former military members and their families.
Data-powered research on Nevada car insurance
| Data-powered research on NV car insurance |
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Cheapest liability insurance in Nevada: Travelers
Travelers has the most affordable rates for liability-only car insurance in Nevada.
At $90 per month, coverage from Travelers costs $74 per month less than the Nevada state average. The average cost of minimum liability insurance in Nevada is $164 per month.
Cheap liability car insurance in Nevada
Company | Monthly rate |
|---|---|
| Travelers | $90 |
| Geico | $103 |
| Progressive | $113 |
| State Farm | $131 |
| Mendota | $164 |
USAA* is only available to current and former military members and their families.
USAA has even cheaper rates for military members, veterans and their family members. A minimum liability policy from USAA costs $63 per month. But most civilians won't be able to get USAA car insurance.
Find Cheap Car Insurance Quotes in Nevada
Low-cost auto insurance in Nevada for teens: Geico
Geico has the cheapest quotes for young drivers in Nevada.
Minimum liability rates from Geico costs $245 per month for an 18-year-old driver. That's less than half the Nevada average of $554 per month.
Geico also has the cheapest full coverage rates for teens. A full coverage policy costs $563 per month, a little more than half the state average of $1,024.
Cheap NV car insurance rates for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $245 | $563 |
| Travelers | $283 | $575 |
| Progressive | $408 | $1,044 |
| Mendota | $414 | $978 |
| State Farm | $450 | $876 |
USAA* is only available to current and former military members and their families.
Teen drivers in Nevada pay around three and a half times for car insurance as 30-year-old drivers.
The best way for teens to find low-cost car insurance in Nevada is by sharing a policy with their parents.
A family insurance policy typically costs around 62% less than buying two separate car insurance policies.
Cheapest NV auto insurance with a ticket: Travelers
Travelers has the best car insurance rates for Nevada drivers with a recent speeding ticket. At $258 per month, full coverage insurance from Travelers is more than one-third cheaper than the average rate after a ticket.
Affordable car insurance quotes in NV after a ticket
Company | Monthly rate |
|---|---|
| Travelers | $258 |
| State Farm | $312 |
| Key Insurance | $370 |
| Progressive | $393 |
| Allstate | $423 |
USAA* is only available to current and former military members and their families.
In Nevada, one speeding ticket will increase your insurance rates by an average of 21%. That's about $70 more per month for a full coverage policy.
Cheap auto insurance in NV after an accident: State Farm
State Farm has the cheapest quotes in Nevada after an at-fault car accident. A full coverage policy from State Farm costs around $286 per month after an accident. That's $190 per month cheaper than the Nevada average.
Best auto insurance quotes in Nevada after an accident
Company | Monthly rate |
|---|---|
| State Farm | $286 |
| Travelers | $289 |
| Key Insurance | $421 |
| Progressive | $471 |
| Geico | $514 |
USAA* is only available to current and former military members and their families.
Nevada drivers with an accident on their record pay an average of $475 per month for full coverage. That's $140 per month more than drivers with a clean record pay for the same coverage.
Don't rush to switch car insurance companies right after an accident. Your insurance rates won't go up until your current policy renews.
Once you get your renewal paperwork with your new rates, you should compare quotes from multiple companies. It's the best way to find the cheapest insurance after your accident.
Best in NV for teens after a ticket or accident: Geico
Geico has the cheapest rates for Nevada teens with a speeding ticket or at-fault accident on their record.
A minimum liability policy from Geico costs $344 per month for an 18-year-old driver after one speeding ticket. That's a little more than half the state average of $633 per month.
Geico charges teens with an accident around $411 per month for minimum liability coverage. That's $320 per month less than the Nevada average.
Cheap car insurance in NV for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $344 | $411 |
| Travelers | $360 | $427 |
| Mendota | $411 | $517 |
| Progressive | $438 | $473 |
| State Farm | $500 | $450 |
USAA* is only available to current and former military members and their families.
Young drivers in Nevada already pay expensive rates for auto insurance. But an accident will cause liability-only quotes to go up by 32%, on average. That's a difference of $176 per month.
Insurance quotes for an 18-year-old driver with a speeding ticket are about $78 per month more expensive than rates for a driver with a clean record in Nevada.
Affordable car insurance in Nevada after a DUI: Travelers and USAA
Travelers has the best rates for Nevada drivers with a recent DUI. Travelers charges around $301 per month for full coverage after a DUI. That's $213 per month cheaper than the Nevada average.
Best car insurance rates in Nevada after a DUI
Company | Monthly rate |
|---|---|
| Travelers | $301 |
| Progressive | $431 |
| Key Insurance | $458 |
| Mendota | $487 |
| Allstate | $519 |
USAA* is only available to current and former military members and their families.
One DUI raises full coverage insurance quotes in Nevada by $179 per month, on average.
However, there are a few things you can do to lower your rates after a DUI.
- Change how you pay your bill. Many companies offer discounts for paying your annual bill upfront, signing up for automatic payments or bundling your auto and home insurance.
- Get rid of coverage you don't need. For example, comprehensive and collision coverage, which protects your vehicle, may not be worth it if your car is more than eight years old or worth less than $5,000.
- Raise your deductible. If you have a loan or lease and are required to have comprehensive and collision coverage, you can save money by raising your deductible. Just make sure you choose a deductible you can easily pay after a crash.
- Sign up for a safe driving program. Many companies offer large discounts if you allow them to track your driving and you display safe habits, like staying within the speed limit.
Cheap insurance in Nevada for drivers with poor credit: Travelers
Travelers has the cheapest auto insurance in Nevada for drivers with a low credit score. At $336 per month for full coverage, a policy from Travelers is $239 per month less than the state average.
Company | Monthly rate |
|---|---|
| Travelers | $336 |
| Key Insurance | $370 |
| Mendota | $442 |
| Geico | $454 |
| Progressive | $496 |
USAA* is only available to current and former military members and their families.
Nevada drivers with poor credit pay $240 per month more for full coverage than those with good credit.
Your credit score doesn't have anything to do with your driving ability. But, as in most states, a low credit score can negatively impact your car insurance quotes in Nevada.
That's because insurance companies believe drivers with poor credit are more likely to file claims in the future.
Best car insurance in Nevada
USAA has the best-rated auto insurance in Nevada.
USAA consistently earns very high scores on J.D. Power's customer satisfaction survey. It also offers some of the cheapest rates in Nevada. But since the company only offers insurance to active military members, veterans and their families, not everyone can buy a policy.
State Farm is an excellent option for drivers who can't get insurance from USAA. It earned a high score from J.D. Power, and gets fewer customer complaints than an average company its size. And, while State Farm isn't usually the cheapest option, its rates are typically cheaper than average.
Top Nevada car insurance companies
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| AAA | 652 | A+ | |
| Farmers | 622 | A | |
| Travelers | 613 | A++ |
Average Nevada car insurance rates by city
Winnemucca, a small city in northern Nevada, has the cheapest car insurance quotes in the state.
The average cost of car insurance in Winnemucca is $216 per month for a full coverage policy.
Sunrise Manor, a community near Nellis Air Force Base, has the most expensive quotes in Nevada. People living in Sunrise Manor pay around $492 per month for car insurance. That's likely due to the high property crime rates in the area.
Nevada auto insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Alamo | $258 | -23% |
| Amargosa Valley | $286 | -15% |
| Austin | $231 | -31% |
| Baker | $239 | -29% |
| Battle Mountain | $219 | -35% |
Full coverage auto insurance quotes in Nevada vary by up to $276 per month between the most and least expensive cities.
Rates are typically higher in large cities with heavy traffic, more accidents and higher crime rates. For example, car insurance in Las Vegas costs an average of $448 per month, which is more expensive than the Nevada average by $113 per month.
What is the Nevada minimum insurance requirement?
Nevada requires drivers to have minimum liability limits of 25/50/20. This coverage pays for the other driver's injuries and damage to their car or property.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage: $20,000 per accident
Is Nevada a no-fault state?
Nevada is not a no-fault state for car insurance — as such, the person who causes an accident will be responsible for paying for the damage.
What's the best car insurance coverage for Nevada drivers?
Full coverage car insurance is the best choice for most drivers in Nevada.
That's because full coverage includes comprehensive and collision coverage along with liability insurance.
- Collision coverage pays for damage to your car in an accident, regardless of whose fault it is.
- Comprehensive coverage pays for damage from other events, such as a fallen tree branch or a hailstorm.
Full coverage is an especially good idea if your car is worth more than $5,000 or is fewer than eight years old. If you have a car loan or lease, your lender typically requires full coverage.
Full coverage car insurance in Nevada costs twice as much as minimum liability coverage. However, minimum coverage in Nevada only pays for the other driver's injuries and property damage — it doesn't include protection for damage to your own vehicle.
Frequently asked questions
What is the cheapest car insurance in Nevada?
Travelers has the cheapest car insurance in 2026 for Nevada drivers. You'll pay an average of $206 per month for a full coverage policy and $90 per month for minimum liability insurance. That's 39% and 45% cheaper than the Nevada state average, respectively.
How much is car insurance in Nevada per month?
The average cost of car insurance in Nevada is $335 per month for a full coverage policy. That's $112 per month more than the national average, which makes Nevada the most expensive state for full coverage insurance. This may be in part because Nevada has very high auto theft rates compared to the national average, according to the FBI.
Why are Nevada insurance rates so high?
Nevada is the most expensive state for full coverage, and second-most expensive for minimum liability coverage. The state's large amount of car thefts plus high number of drivers on the road, especially in cities like Las Vegas and Reno car insurance, are just a couple of reasons for the high rates in Nevada.
How much is car insurance in Las Vegas?
Car insurance in Las Vegas costs $448 per month for full coverage. That's 34% more than the Nevada average. Drivers living in North Las Vegas pay around $452 per month, while the suburb of Henderson is less expensive, at $384 per month.
How much is auto insurance in Reno, NV?
Reno auto insurance costs an average of $268 per month for a full coverage policy. That's $67 per month less than the statewide average, and $180 per month less than the cost of car insurance in Las Vegas.
Methodology
To find the best auto insurance in Nevada, ValuePenguin collected thousands of quotes from ZIP codes across NV from the state's largest insurance companies. Rates are for a 30-year-old man with a 2018 Honda Civic EX, good credit and a clean driving record.
Quotes are for a full coverage policy with comprehensive and collision coverage along with higher liability limits than the state requirement to avoid penalties.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
Rate data was collected from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes will differ.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
