The Cheapest Car Insurance in Nevada for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Nevada for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Nevada isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Nevada is $2,581 per year, or about $215 per month, according to NerdWallet’s analysis. Minimum coverage in Nevada is $1,002 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Nevada at $329 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest car insurance company overall in Nevada

$80/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$27/month

4.5

NerdWallet rating 

Cheapest for young drivers

$157/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

$80/month

4.5

NerdWallet rating 

How we chose the cheapest companies in Nevada

NerdWallet’s editorial team analyzed car insurance rates from 20 auto insurers in Nevada and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Nevada. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Nevada for 20-year-olds

Drivers in Nevada with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Country Financial: $1,889 per year, or about $157 per month.

  2. Geico: $1,903 per year, or about $159 per month.

  3. Nationwide: $3,073 per year, or about $256 per month.

  4. State Farm: $3,263 per year, or about $272 per month.

  5. Progressive: $3,787 per year, or about $316 per month.

Cheapest minimum coverage car insurance in Nevada for 20-year-olds

Drivers in Nevada who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Country Financial: $596 per year, or about $50 per month.

  2. Geico: $745 per year, or about $62 per month.

  3. State Farm: $1,277 per year, or about $106 per month.

  4. Progressive: $1,388 per year, or about $116 per month.

  5. Nationwide: $1,424 per year, or about $119 per month.

Cheapest auto insurance in Nevada for 20-year-olds with poor credit

Drivers with poor credit in Nevada should look at the following insurers with the lowest average rates for minimum coverage:

  1. Country Financial: $929 per year, or about $77 per month.

  2. Geico: $997 per year, or about $83 per month.

  3. Progressive: $1,706 per year, or about $142 per month.

  4. Nationwide: $1,865 per year, or about $155 per month.

  5. Kemper: $2,195 per year, or about $183 per month.

Cheapest auto insurance in Nevada for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Nevada, here are the companies with the lowest average rates for minimum coverage:

  1. Country Financial: $772 per year, or about $64 per month.

  2. Geico: $993 per year, or about $83 per month.

  3. Nationwide: $1,667 per year, or about $139 per month.

  4. State Farm: $1,671 per year, or about $139 per month.

  5. Progressive: $1,700 per year, or about $142 per month.

Cheapest auto insurance in Nevada for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Country Financial: $1,079 per year, or about $90 per month.

  2. Geico: $1,438 per year, or about $120 per month.

  3. Progressive: $1,585 per year, or about $132 per month.

  4. Hallmark Insurance: $1,946 per year, or about $162 per month.

  5. Nationwide: $1,993 per year, or about $166 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Nevada for 30-year-olds

Drivers in Nevada with clean driving records may get the lowest rates from these companies:

  1. Geico: $963 per year, or about $80 per month.

  2. Country Financial: $1,503 per year, or about $125 per month.

  3. Nationwide: $1,567 per year, or about $131 per month.

  4. Progressive: $1,604 per year, or about $134 per month.

  5. State Farm: $1,735 per year, or about $145 per month.

Cheapest minimum coverage car insurance in Nevada for 30-year-olds

Drivers in Nevada who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $330 per year, or about $28 per month.

  2. Country Financial: $412 per year, or about $34 per month.

  3. Progressive: $543 per year, or about $45 per month.

  4. State Farm: $560 per year, or about $47 per month.

  5. Nationwide: $632 per year, or about $53 per month.

Cheapest auto insurance in Nevada for 30-year-olds with poor credit

Drivers with poor credit in Nevada should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,302 per year, or about $108 per month.

  2. Country Financial: $2,013 per year, or about $168 per month.

  3. Progressive: $2,190 per year, or about $182 per month.

  4. Nationwide: $2,211 per year, or about $184 per month.

  5. Hallmark Insurance: $2,712 per year, or about $226 per month.

Cheapest auto insurance in Nevada for 30-year-old drivers with one at-fault crash

For drivers in Nevada with a recent accident, here are the lowest average rate options for full coverage:

  1. Geico: $1,638 per year, or about $136 per month.

  2. Country Financial: $1,818 per year, or about $152 per month.

  3. State Farm: $2,185 per year, or about $182 per month.

  4. Nationwide: $2,291 per year, or about $191 per month.

  5. Hallmark Insurance: $2,619 per year, or about $218 per month.

Cheapest auto insurance in Nevada for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Country Financial: $2,197 per year, or about $183 per month.

  2. Progressive: $2,232 per year, or about $186 per month.

  3. Geico: $2,483 per year, or about $207 per month.

  4. Hallmark Insurance: $2,619 per year, or about $218 per month.

  5. State Farm: $2,762 per year, or about $230 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Nevada for 40-year-olds

Drivers in Nevada with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $969 per year, or about $81 per month.

  2. Country Financial: $1,400 per year, or about $117 per month.

  3. Nationwide: $1,471 per year, or about $123 per month.

  4. Progressive: $1,555 per year, or about $130 per month.

  5. State Farm: $1,717 per year, or about $143 per month.

Cheapest minimum coverage car insurance in Nevada for 40-year-olds

Drivers in Nevada who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $329 per year, or about $27 per month.

  2. Country Financial: $371 per year, or about $31 per month.

  3. Progressive: $515 per year, or about $43 per month.

  4. State Farm: $565 per year, or about $47 per month.

  5. Nationwide: $573 per year, or about $48 per month.

Cheapest auto insurance in Nevada for 40-year-olds with poor credit

Drivers with poor credit in Nevada can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,311 per year, or about $109 per month.

  2. Country Financial: $1,852 per year, or about $154 per month.

  3. Nationwide: $2,078 per year, or about $173 per month.

  4. Progressive: $2,146 per year, or about $179 per month.

  5. Hallmark Insurance: $2,422 per year, or about $202 per month.

Cheapest auto insurance in Nevada for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Nevada, here are the companies with the lowest average rates for full coverage:

  1. Geico: $1,640 per year, or about $137 per month.

  2. Country Financial: $1,729 per year, or about $144 per month.

  3. State Farm: $2,169 per year, or about $181 per month.

  4. Nationwide: $2,174 per year, or about $181 per month.

  5. Hallmark Insurance: $2,377 per year, or about $198 per month.

Cheapest auto insurance in Nevada for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Country Financial: $2,015 per year, or about $168 per month.

  2. Progressive: $2,171 per year, or about $181 per month.

  3. Hallmark Insurance: $2,377 per year, or about $198 per month.

  4. Geico: $2,513 per year, or about $209 per month.

  5. State Farm: $2,737 per year, or about $228 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in Nevada for 50-year-olds

Drivers in Nevada with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $882 per year, or about $74 per month.

  2. Country Financial: $1,348 per year, or about $112 per month.

  3. Nationwide: $1,386 per year, or about $116 per month.

  4. Progressive: $1,445 per year, or about $120 per month.

  5. State Farm: $1,696 per year, or about $141 per month.

Cheapest minimum coverage car insurance in Nevada for 50-year-olds

Drivers in Nevada who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $292 per year, or about $24 per month.

  2. Country Financial: $358 per year, or about $30 per month.

  3. Progressive: $498 per year, or about $42 per month.

  4. Nationwide: $540 per year, or about $45 per month.

  5. State Farm: $557 per year, or about $46 per month.

Cheapest auto insurance in Nevada for 50-year-olds with poor credit

Drivers with poor credit in Nevada can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,196 per year, or about $100 per month.

  2. Country Financial: $1,778 per year, or about $148 per month.

  3. Nationwide: $1,957 per year, or about $163 per month.

  4. Progressive: $1,966 per year, or about $164 per month.

  5. Hallmark Insurance: $2,177 per year, or about $181 per month.

Cheapest auto insurance in Nevada for 50-year-old drivers with one at-fault crash

For drivers living in Nevada with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Geico: $1,550 per year, or about $129 per month.

  2. Country Financial: $1,694 per year, or about $141 per month.

  3. Nationwide: $2,076 per year, or about $173 per month.

  4. State Farm: $2,145 per year, or about $179 per month.

  5. Hallmark Insurance: $2,175 per year, or about $181 per month.

Cheapest auto insurance in Nevada for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Country Financial: $1,934 per year, or about $161 per month.

  2. Progressive: $2,076 per year, or about $173 per month.

  3. Hallmark Insurance: $2,175 per year, or about $181 per month.

  4. Geico: $2,444 per year, or about $204 per month.

  5. Key Insurance: $2,670 per year, or about $222 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Nevada for 60-year-olds

Drivers in Nevada with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $892 per year, or about $74 per month.

  2. Country Financial: $1,307 per year, or about $109 per month.

  3. Nationwide: $1,327 per year, or about $111 per month.

  4. Progressive: $1,410 per year, or about $118 per month.

  5. State Farm: $1,629 per year, or about $136 per month.

Cheapest minimum coverage car insurance in Nevada for 60-year-olds

Drivers in Nevada who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $297 per year, or about $25 per month.

  2. Country Financial: $351 per year, or about $29 per month.

  3. Progressive: $493 per year, or about $41 per month.

  4. Nationwide: $521 per year, or about $43 per month.

  5. State Farm: $532 per year, or about $44 per month.

Cheapest auto insurance in Nevada for 60-year-olds with poor credit

Drivers with poor credit in Nevada can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,211 per year, or about $101 per month.

  2. Country Financial: $1,723 per year, or about $144 per month.

  3. Nationwide: $1,873 per year, or about $156 per month.

  4. Progressive: $1,910 per year, or about $159 per month.

  5. Hallmark Insurance: $2,121 per year, or about $177 per month.

Cheapest auto insurance in Nevada for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Nevada, here are the companies with the lowest average rates for full coverage:

  1. Geico: $1,545 per year, or about $129 per month.

  2. Country Financial: $1,665 per year, or about $139 per month.

  3. Nationwide: $2,004 per year, or about $167 per month.

  4. State Farm: $2,059 per year, or about $172 per month.

  5. Hallmark Insurance: $2,128 per year, or about $177 per month.

Cheapest auto insurance in Nevada for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Country Financial: $1,873 per year, or about $156 per month.

  2. Progressive: $2,035 per year, or about $170 per month.

  3. Hallmark Insurance: $2,128 per year, or about $177 per month.

  4. Geico: $2,445 per year, or about $204 per month.

  5. State Farm: $2,570 per year, or about $214 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 25 of the 48 driver profiles we examined.

Minimum required auto insurance in Nevada

Nevada car insurance policies must include liability insurance, which covers others’ property damage and injuries if you’re at fault in a crash.

The minimum auto insurance liability limits are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per incident.

  • $20,000 property damage liability per incident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Even though this will be enough to drive legally, the bare minimum might not be enough to cover all damage. For example, causing an accident could easily leave you on the hook for more than $20,000 in property damage to another driver’s car. You’d have to pay for any repairs that exceed your insurance limit.

Check out NerdWallet’s guide to minimum car insurance requirements by state to learn more about coverage options for your policy in the Sagebrush State.

Alternative car insurance in Nevada

If you’re denied auto insurance on the voluntary market due to DUIs, poor credit or other factors, you can seek coverage through the Nevada Automobile Insurance Plan.

For more help finding cheap car insurance in Nevada, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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