Cheap Car Insurance in Nevada for 2023

CIG offers the cheapest car insurance in Nevada, with an average monthly rate of $120 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

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 CIG at $1,442 per year on average, or $120 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 $3,067 per year, or about $256 per month.

Minimum coverage in Nevada is $1,152 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 $396 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

» MORE: The cheapest car insurance in Las Vegas

How we chose the cheapest companies in Nevada

NerdWallet’s editorial team analyzed car insurance rates from 23 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. CIG: $2,933 per year, or about $244 per month.
  2. Country Financial: $2,944 per year, or about $245 per month.
  3. State Farm: $3,736 per year, or about $311 per month.
  4. Geico: $3,748 per year, or about $312 per month.
  5. Travelers: $3,876 per year, or about $323 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: $1,198 per year, or about $100 per month.
  2. CIG: $1,220 per year, or about $102 per month.
  3. Geico: $1,334 per year, or about $111 per month.
  4. Travelers: $1,378 per year, or about $115 per month.
  5. State Farm: $1,428 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. CIG: $1,663 per year, or about $139 per month.
  2. Geico: $1,879 per year, or about $157 per month.
  3. Country Financial: $1,893 per year, or about $158 per month.
  4. Progressive: $1,990 per year, or about $166 per month.
  5. Travelers: $2,286 per year, or about $190 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. Country Financial: $1,531 per year, or about $128 per month.
  2. Geico: $1,586 per year, or about $132 per month.
  3. CIG: $1,609 per year, or about $134 per month.
  4. State Farm: $1,658 per year, or about $138 per month.
  5. Progressive: $1,718 per year, or about $143 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: $1,560 per year, or about $130 per month.
  2. CIG: $1,683 per year, or about $140 per month.
  3. Travelers: $1,854 per year, or about $154 per month.
  4. State Farm: $1,875 per year, or about $156 per month.
  5. Progressive: $1,885 per year, or about $157 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: $1,732 per year, or about $144 per month.
  2. Country Financial: $2,201 per year, or about $183 per month.
  3. Travelers: $2,212 per year, or about $184 per month.
  4. CIG: $2,399 per year, or about $200 per month.
  5. Hallmark Insurance: $2,417 per year, or about $201 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. CIG: $1,357 per year, or about $113 per month.
  2. State Farm: $1,514 per year, or about $126 per month.
  3. Progressive: $1,963 per year, or about $164 per month.
  4. Country Financial: $2,067 per year, or about $172 per month.
  5. Geico: $2,096 per year, or about $175 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: $399 per year, or about $33 per month.
  2. CIG: $469 per year, or about $39 per month.
  3. Geico: $657 per year, or about $55 per month.
  4. Progressive: $670 per year, or about $56 per month.
  5. Country Financial: $748 per year, or about $62 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. CIG: $1,910 per year, or about $159 per month.
  2. American Access: $2,477 per year, or about $206 per month.
  3. State Farm: $2,744 per year, or about $229 per month.
  4. Progressive: $2,873 per year, or about $239 per month.
  5. Country Financial: $2,927 per year, or about $244 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: $467 per year, or about $39 per month.
  2. CIG: $614 per year, or about $51 per month.
  3. Geico: $841 per year, or about $70 per month.
  4. Progressive: $887 per year, or about $74 per month.
  5. Country Financial: $955 per year, or about $80 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. State Farm: $1,907 per year, or about $159 per month.
  2. CIG: $1,917 per year, or about $160 per month.
  3. Country Financial: $2,610 per year, or about $218 per month.
  4. Travelers: $2,939 per year, or about $245 per month.
  5. Progressive: $3,033 per year, or about $253 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. State Farm: $2,385 per year, or about $199 per month.
  2. CIG: $2,463 per year, or about $205 per month.
  3. Progressive: $2,667 per year, or about $222 per month.
  4. American Access: $2,980 per year, or about $248 per month.
  5. Country Financial: $3,237 per year, or about $270 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. CIG: $1,400 per year, or about $117 per month.
  2. State Farm: $1,499 per year, or about $125 per month.
  3. Progressive: $1,881 per year, or about $157 per month.
  4. Country Financial: $1,894 per year, or about $158 per month.
  5. Travelers: $1,982 per year, or about $165 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. State Farm: $410 per year, or about $34 per month.
  2. CIG: $501 per year, or about $42 per month.
  3. Progressive: $635 per year, or about $53 per month.
  4. Geico: $663 per year, or about $55 per month.
  5. Country Financial: $670 per year, or about $56 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. CIG: $1,951 per year, or about $163 per month.
  2. American Access: $2,288 per year, or about $191 per month.
  3. Country Financial: $2,652 per year, or about $221 per month.
  4. State Farm: $2,716 per year, or about $226 per month.
  5. Key Insurance: $2,744 per year, or about $229 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: $477 per year, or about $40 per month.
  2. CIG: $656 per year, or about $55 per month.
  3. Geico: $833 per year, or about $69 per month.
  4. Progressive: $848 per year, or about $71 per month.
  5. Country Financial: $856 per year, or about $71 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. State Farm: $1,893 per year, or about $158 per month.
  2. CIG: $1,985 per year, or about $165 per month.
  3. Country Financial: $2,459 per year, or about $205 per month.
  4. Travelers: $2,813 per year, or about $234 per month.
  5. Progressive: $2,939 per year, or about $245 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. State Farm: $2,362 per year, or about $197 per month.
  2. CIG: $2,564 per year, or about $214 per month.
  3. Progressive: $2,575 per year, or about $215 per month.
  4. American Access: $2,750 per year, or about $229 per month.
  5. Country Financial: $2,923 per year, or about $244 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. CIG: $1,303 per year, or about $109 per month.
  2. State Farm: $1,506 per year, or about $125 per month.
  3. Progressive: $1,740 per year, or about $145 per month.
  4. Country Financial: $1,824 per year, or about $152 per month.
  5. Travelers: $1,962 per year, or about $164 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. State Farm: $421 per year, or about $35 per month.
  2. CIG: $455 per year, or about $38 per month.
  3. Geico: $598 per year, or about $50 per month.
  4. Progressive: $608 per year, or about $51 per month.
  5. Country Financial: $648 per year, or about $54 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. CIG: $1,865 per year, or about $155 per month.
  2. American Access: $2,228 per year, or about $186 per month.
  3. Key Insurance: $2,400 per year, or about $200 per month.
  4. Progressive: $2,518 per year, or about $210 per month.
  5. Country Financial: $2,548 per year, or about $212 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: $490 per year, or about $41 per month.
  2. CIG: $597 per year, or about $50 per month.
  3. Geico: $759 per year, or about $63 per month.
  4. Progressive: $789 per year, or about $66 per month.
  5. Country Financial: $828 per year, or about $69 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. CIG: $1,796 per year, or about $150 per month.
  2. State Farm: $1,899 per year, or about $158 per month.
  3. Country Financial: $2,419 per year, or about $202 per month.
  4. Key Insurance: $2,721 per year, or about $227 per month.
  5. Travelers: $2,786 per year, or about $232 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. CIG: $2,286 per year, or about $190 per month.
  2. State Farm: $2,376 per year, or about $198 per month.
  3. Progressive: $2,471 per year, or about $206 per month.
  4. American Access: $2,677 per year, or about $223 per month.
  5. Country Financial: $2,810 per year, or about $234 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. CIG: $1,283 per year, or about $107 per month.
  2. State Farm: $1,439 per year, or about $120 per month.
  3. Progressive: $1,705 per year, or about $142 per month.
  4. Country Financial: $1,774 per year, or about $148 per month.
  5. Travelers: $1,817 per year, or about $151 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: $400 per year, or about $33 per month.
  2. CIG: $473 per year, or about $39 per month.
  3. Geico: $590 per year, or about $49 per month.
  4. Progressive: $602 per year, or about $50 per month.
  5. Country Financial: $633 per year, or about $53 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. CIG: $1,794 per year, or about $149 per month.
  2. American Access: $2,275 per year, or about $190 per month.
  3. Progressive: $2,460 per year, or about $205 per month.
  4. Country Financial: $2,476 per year, or about $206 per month.
  5. State Farm: $2,581 per year, or about $215 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: $466 per year, or about $39 per month.
  2. CIG: $618 per year, or about $52 per month.
  3. Geico: $758 per year, or about $63 per month.
  4. Progressive: $784 per year, or about $65 per month.
  5. Country Financial: $809 per year, or about $67 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. CIG: $1,800 per year, or about $150 per month.
  2. State Farm: $1,812 per year, or about $151 per month.
  3. Country Financial: $2,391 per year, or about $199 per month.
  4. Travelers: $2,739 per year, or about $228 per month.
  5. Progressive: $2,878 per year, or about $240 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. State Farm: $2,262 per year, or about $188 per month.
  2. CIG: $2,321 per year, or about $193 per month.
  3. Progressive: $2,432 per year, or about $203 per month.
  4. Country Financial: $2,729 per year, or about $227 per month.
  5. American Access: $2,734 per year, or about $228 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. CIG: $1,119 per year, or about $93 per month.
  2. State Farm: $1,518 per year, or about $127 per month.
  3. Country Financial: $1,880 per year, or about $157 per month.
  4. Geico: $2,055 per year, or about $171 per month.
  5. Progressive: $2,066 per year, or about $172 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. CIG: $381 per year, or about $32 per month.
  2. State Farm: $434 per year, or about $36 per month.
  3. Geico: $664 per year, or about $55 per month.
  4. Country Financial: $713 per year, or about $59 per month.
  5. Nationwide: $753 per year, or about $63 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. CIG: $1,592 per year, or about $133 per month.
  2. American Access: $2,453 per year, or about $204 per month.
  3. Country Financial: $2,653 per year, or about $221 per month.
  4. State Farm: $2,744 per year, or about $229 per month.
  5. Progressive: $2,856 per year, or about $238 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. CIG: $496 per year, or about $41 per month.
  2. State Farm: $505 per year, or about $42 per month.
  3. Geico: $880 per year, or about $73 per month.
  4. Country Financial: $912 per year, or about $76 per month.
  5. Nationwide: $924 per year, or about $77 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. CIG: $1,551 per year, or about $129 per month.
  2. State Farm: $1,922 per year, or about $160 per month.
  3. Country Financial: $2,614 per year, or about $218 per month.
  4. Travelers: $3,191 per year, or about $266 per month.
  5. American Access: $3,384 per year, or about $282 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. CIG: $1,978 per year, or about $165 per month.
  2. State Farm: $2,408 per year, or about $201 per month.
  3. Country Financial: $2,924 per year, or about $244 per month.
  4. American Access: $2,951 per year, or about $246 per month.
  5. Progressive: $3,062 per year, or about $255 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 51 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 2020 Toyota Camry L 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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