Cheap Car Insurance in Nevada for March 2024

Travelers offers the cheapest car insurance in Nevada, with an average annual rate of $1,376 for full coverage.
Ben Moore
By Ben Moore 
Updated

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Auto insurance is an important purchase, but finding cheap car insurance in Nevada isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Nevada is Travelers at $1,376 per year on average, or $115 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Nevada. Meanwhile, the average cost of full coverage car insurance in Nevada is $2,603 per year, or about $217 per month.

Minimum coverage in Nevada is $944 per year on average, but we found you can likely get a cheaper policy. For example, State Farm offers the cheapest rates in Nevada at $460 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Nevada

NerdWallet’s editorial team analyzed car insurance rates from 18 auto insurers in Nevada and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

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 Nevada 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 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. Progressive: $3,258 per year, or about $272 per month.
  2. Country Financial: $3,273 per year, or about $273 per month.
  3. Geico: $3,374 per year, or about $281 per month.
  4. State Farm: $4,773 per year, or about $398 per month.
  5. Travelers: $4,860 per year, or about $405 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. Geico: $963 per year, or about $80 per month.
  2. Progressive: $1,191 per year, or about $99 per month.
  3. Country Financial: $1,331 per year, or about $111 per month.
  4. Travelers: $1,433 per year, or about $119 per month.
  5. State Farm: $1,518 per year, or about $127 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. Geico: $1,390 per year, or about $116 per month.
  2. Progressive: $1,462 per year, or about $122 per month.
  3. Dairyland: $1,805 per year, or about $150 per month.
  4. Travelers: $1,848 per year, or about $154 per month.
  5. Mendota Insurance: $2,200 per year, or about $183 per month.

Cheapest auto insurance in Nevada for 20-year-old drivers with one speeding ticket

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

  1. Geico: $1,205 per year, or about $100 per month.
  2. Progressive: $1,308 per year, or about $109 per month.
  3. State Farm: $1,676 per year, or about $140 per month.
  4. Dairyland: $1,796 per year, or about $150 per month.
  5. Country Financial: $1,839 per year, or about $153 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. Progressive: $1,424 per year, or about $119 per month.
  2. Geico: $1,477 per year, or about $123 per month.
  3. State Farm: $1,961 per year, or about $163 per month.
  4. Travelers: $2,007 per year, or about $167 per month.
  5. Dairyland: $2,010 per year, or about $167 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. Progressive: $1,271 per year, or about $106 per month.
  2. Geico: $1,820 per year, or about $152 per month.
  3. Dairyland: $1,982 per year, or about $165 per month.
  4. Mercury: $2,216 per year, or about $185 per month.
  5. Country Financial: $2,303 per year, or about $192 per month.

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

  1. Progressive: $1,407 per year, or about $117 per month.
  2. Travelers: $1,418 per year, or about $118 per month.
  3. Country Financial: $1,839 per year, or about $153 per month.
  4. State Farm: $1,926 per year, or about $160 per month.
  5. Mercury: $2,190 per year, or about $182 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. State Farm: $398 per year, or about $33 per month.
  2. Progressive: $491 per year, or about $41 per month.
  3. Travelers: $532 per year, or about $44 per month.
  4. Geico: $558 per year, or about $47 per month.
  5. Mercury: $683 per year, or about $57 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. Progressive: $2,001 per year, or about $167 per month.
  2. Travelers: $2,220 per year, or about $185 per month.
  3. Country Financial: $2,836 per year, or about $236 per month.
  4. Mercury: $3,198 per year, or about $267 per month.
  5. Geico: $3,403 per year, or about $284 per month.

Cheapest auto insurance in Nevada for 30-year-old drivers with one speeding ticket

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

  1. State Farm: $456 per year, or about $38 per month.
  2. Travelers: $651 per year, or about $54 per month.
  3. Progressive: $660 per year, or about $55 per month.
  4. Geico: $773 per year, or about $64 per month.
  5. Mercury: $875 per year, or about $73 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. Travelers: $2,072 per year, or about $173 per month.
  2. Progressive: $2,142 per year, or about $179 per month.
  3. State Farm: $2,414 per year, or about $201 per month.
  4. Country Financial: $2,695 per year, or about $225 per month.
  5. Geico: $3,528 per year, or about $294 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. Progressive: $1,786 per year, or about $149 per month.
  2. Travelers: $2,435 per year, or about $203 per month.
  3. Country Financial: $2,819 per year, or about $235 per month.
  4. State Farm: $3,012 per year, or about $251 per month.
  5. Mercury: $3,538 per year, or about $295 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. Travelers: $1,302 per year, or about $109 per month.
  2. Progressive: $1,315 per year, or about $110 per month.
  3. Country Financial: $1,677 per year, or about $140 per month.
  4. State Farm: $1,909 per year, or about $159 per month.
  5. Mercury: $2,038 per year, or about $170 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. Progressive: $463 per year, or about $39 per month.
  2. State Farm: $476 per year, or about $40 per month.
  3. Travelers: $505 per year, or about $42 per month.
  4. Geico: $575 per year, or about $48 per month.
  5. Country Financial: $632 per year, or about $53 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. Progressive: $1,867 per year, or about $156 per month.
  2. Travelers: $1,998 per year, or about $167 per month.
  3. Country Financial: $2,556 per year, or about $213 per month.
  4. Mercury: $2,970 per year, or about $247 per month.
  5. Nationwide: $3,339 per year, or about $278 per month.

Cheapest auto insurance in Nevada for 40-year-old drivers with one speeding ticket

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

  1. State Farm: $545 per year, or about $45 per month.
  2. Progressive: $627 per year, or about $52 per month.
  3. Travelers: $648 per year, or about $54 per month.
  4. Geico: $734 per year, or about $61 per month.
  5. Mercury: $865 per year, or about $72 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. Travelers: $1,963 per year, or about $164 per month.
  2. Progressive: $2,042 per year, or about $170 per month.
  3. State Farm: $2,391 per year, or about $199 per month.
  4. Country Financial: $2,464 per year, or about $205 per month.
  5. Mercury: $3,532 per year, or about $294 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. Progressive: $1,675 per year, or about $140 per month.
  2. Travelers: $2,310 per year, or about $193 per month.
  3. Country Financial: $2,540 per year, or about $212 per month.
  4. State Farm: $2,983 per year, or about $249 per month.
  5. Mercury: $3,452 per year, or about $288 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 auto 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. Travelers: $1,240 per year, or about $103 per month.
  2. Progressive: $1,251 per year, or about $104 per month.
  3. Country Financial: $1,610 per year, or about $134 per month.
  4. State Farm: $1,756 per year, or about $146 per month.
  5. Mercury: $1,999 per year, or about $167 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. Progressive: $455 per year, or about $38 per month.
  2. Travelers: $484 per year, or about $40 per month.
  3. State Farm: $492 per year, or about $41 per month.
  4. Geico: $518 per year, or about $43 per month.
  5. Country Financial: $611 per year, or about $51 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. Progressive: $1,676 per year, or about $140 per month.
  2. Travelers: $1,898 per year, or about $158 per month.
  3. Country Financial: $2,451 per year, or about $204 per month.
  4. Mercury: $2,912 per year, or about $243 per month.
  5. Nationwide: $3,076 per year, or about $256 per month.

Cheapest auto insurance in Nevada for 50-year-old drivers with one speeding ticket

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

  1. State Farm: $563 per year, or about $47 per month.
  2. Progressive: $590 per year, or about $49 per month.
  3. Travelers: $621 per year, or about $52 per month.
  4. Geico: $716 per year, or about $60 per month.
  5. Country Financial: $843 per year, or about $70 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. Travelers: $1,886 per year, or about $157 per month.
  2. Progressive: $2,131 per year, or about $178 per month.
  3. State Farm: $2,198 per year, or about $183 per month.
  4. Country Financial: $2,398 per year, or about $200 per month.
  5. Geico: $3,571 per year, or about $298 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. Progressive: $1,670 per year, or about $139 per month.
  2. Travelers: $2,208 per year, or about $184 per month.
  3. Country Financial: $2,437 per year, or about $203 per month.
  4. State Farm: $2,733 per year, or about $228 per month.
  5. Mercury: $3,715 per year, or about $310 per month.

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 car 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. Travelers: $1,210 per year, or about $101 per month.
  2. Progressive: $1,226 per year, or about $102 per month.
  3. Country Financial: $1,568 per year, or about $131 per month.
  4. State Farm: $1,726 per year, or about $144 per month.
  5. Mercury: $1,870 per year, or about $156 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. State Farm: $402 per year, or about $34 per month.
  2. Progressive: $445 per year, or about $37 per month.
  3. Travelers: $486 per year, or about $41 per month.
  4. Geico: $501 per year, or about $42 per month.
  5. Country Financial: $598 per year, or about $50 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. Progressive: $1,647 per year, or about $137 per month.
  2. Travelers: $1,864 per year, or about $155 per month.
  3. Country Financial: $2,380 per year, or about $198 per month.
  4. Mercury: $2,720 per year, or about $227 per month.
  5. Nationwide: $2,873 per year, or about $239 per month.

Cheapest auto insurance in Nevada for 60-year-old drivers with one speeding ticket

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

  1. State Farm: $461 per year, or about $38 per month.
  2. Progressive: $581 per year, or about $48 per month.
  3. Travelers: $646 per year, or about $54 per month.
  4. Geico: $695 per year, or about $58 per month.
  5. Country Financial: $824 per year, or about $69 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. Travelers: $1,924 per year, or about $160 per month.
  2. Progressive: $2,097 per year, or about $175 per month.
  3. State Farm: $2,201 per year, or about $183 per month.
  4. Country Financial: $2,364 per year, or about $197 per month.
  5. Geico: $3,401 per year, or about $283 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. Progressive: $1,642 per year, or about $137 per month.
  2. Travelers: $2,266 per year, or about $189 per month.
  3. Country Financial: $2,368 per year, or about $197 per month.
  4. State Farm: $2,797 per year, or about $233 per month.
  5. Mercury: $3,624 per year, or about $302 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Nevada for 70-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. Travelers: $1,393 per year, or about $116 per month.
  2. Progressive: $1,485 per year, or about $124 per month.
  3. Country Financial: $1,677 per year, or about $140 per month.
  4. State Farm: $1,921 per year, or about $160 per month.
  5. Geico: $2,052 per year, or about $171 per month.

Cheapest minimum coverage car insurance in Nevada for 70-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. State Farm: $510 per year, or about $42 per month.
  2. Geico: $553 per year, or about $46 per month.
  3. Travelers: $567 per year, or about $47 per month.
  4. Progressive: $568 per year, or about $47 per month.
  5. Country Financial: $676 per year, or about $56 per month.

Cheapest auto insurance in Nevada for 70-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. Progressive: $1,881 per year, or about $157 per month.
  2. Travelers: $2,151 per year, or about $179 per month.
  3. Country Financial: $2,569 per year, or about $214 per month.
  4. Nationwide: $3,107 per year, or about $259 per month.
  5. Geico: $3,209 per year, or about $267 per month.

Cheapest auto insurance in Nevada for 70-year-old drivers with one speeding ticket

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

  1. State Farm: $582 per year, or about $49 per month.
  2. Progressive: $762 per year, or about $64 per month.
  3. Travelers: $771 per year, or about $64 per month.
  4. Geico: $785 per year, or about $65 per month.
  5. Allstate: $896 per year, or about $75 per month.

Cheapest auto insurance in Nevada for 70-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. Travelers: $2,254 per year, or about $188 per month.
  2. State Farm: $2,414 per year, or about $201 per month.
  3. Country Financial: $2,598 per year, or about $217 per month.
  4. Progressive: $2,625 per year, or about $219 per month.
  5. Nationwide: $3,602 per year, or about $300 per month.

Cheapest auto insurance in Nevada for 70-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. Progressive: $2,143 per year, or about $179 per month.
  2. Country Financial: $2,561 per year, or about $213 per month.
  3. Travelers: $2,676 per year, or about $223 per month.
  4. State Farm: $3,027 per year, or about $252 per month.
  5. Allstate: $3,755 per year, or about $313 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 61 of the 70 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 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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