Cheap Car Insurance in Nevada for April 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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Table of Contents

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 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.

» 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 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. CSAA: $9,844 per year, or about $820 per month.
  2. Allstate: $7,107 per year, or about $592 per month.
  3. American Family: $6,157 per year, or about $513 per month.
  4. Bristol West: $10,008 per year, or about $834 per month.
  5. Country Financial: $3,273 per year, or about $273 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. CSAA: $2,920 per year, or about $243 per month.
  2. Allstate: $1,579 per year, or about $132 per month.
  3. American Family: $2,925 per year, or about $244 per month.
  4. Bristol West: $3,960 per year, or about $330 per month.
  5. Country Financial: $1,331 per year, or about $111 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. CSAA: $3,928 per year, or about $327 per month.
  2. Allstate: $2,290 per year, or about $191 per month.
  3. American Family: $4,438 per year, or about $370 per month.
  4. Bristol West: $5,377 per year, or about $448 per month.
  5. Country Financial: $2,305 per year, or about $192 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. CSAA: $3,922 per year, or about $327 per month.
  2. Allstate: $2,171 per year, or about $181 per month.
  3. American Family: $3,495 per year, or about $291 per month.
  4. Bristol West: $5,208 per year, or about $434 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. CSAA: $5,084 per year, or about $424 per month.
  2. Allstate: $2,375 per year, or about $198 per month.
  3. American Family: $4,182 per year, or about $349 per month.
  4. Bristol West: $5,248 per year, or about $437 per month.
  5. Country Financial: $2,140 per year, or about $178 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. CSAA: $4,248 per year, or about $354 per month.
  2. Allstate: $2,717 per year, or about $226 per month.
  3. American Family: $4,357 per year, or about $363 per month.
  4. Bristol West: $4,814 per year, or about $401 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. CSAA: $5,532 per year, or about $461 per month.
  2. Allstate: $2,361 per year, or about $197 per month.
  3. American Family: $2,594 per year, or about $216 per month.
  4. Bristol West: $5,990 per year, or about $499 per month.
  5. Country Financial: $1,839 per year, or about $153 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. CSAA: $1,407 per year, or about $117 per month.
  2. Allstate: $700 per year, or about $58 per month.
  3. American Family: $1,149 per year, or about $96 per month.
  4. Bristol West: $2,111 per year, or about $176 per month.
  5. Country Financial: $702 per year, or about $59 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. CSAA: $8,166 per year, or about $680 per month.
  2. Allstate: $3,824 per year, or about $319 per month.
  3. American Family: $4,011 per year, or about $334 per month.
  4. Bristol West: $8,637 per year, or about $720 per month.
  5. Country Financial: $2,836 per year, or about $236 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. CSAA: $1,861 per year, or about $155 per month.
  2. Allstate: $875 per year, or about $73 per month.
  3. American Family: $1,414 per year, or about $118 per month.
  4. Bristol West: $2,839 per year, or about $237 per month.
  5. Country Financial: $971 per year, or about $81 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. CSAA: $9,096 per year, or about $758 per month.
  2. Allstate: $4,035 per year, or about $336 per month.
  3. American Family: $4,378 per year, or about $365 per month.
  4. Bristol West: $8,606 per year, or about $717 per month.
  5. Country Financial: $2,695 per year, or about $225 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. CSAA: $7,778 per year, or about $648 per month.
  2. Allstate: $4,138 per year, or about $345 per month.
  3. American Family: $4,508 per year, or about $376 per month.
  4. Bristol West: $7,989 per year, or about $666 per month.
  5. Country Financial: $2,819 per year, or about $235 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. CSAA: $5,311 per year, or about $443 per month.
  2. Allstate: $2,361 per year, or about $197 per month.
  3. American Family: $2,436 per year, or about $203 per month.
  4. Bristol West: $5,489 per year, or about $457 per month.
  5. Country Financial: $1,677 per year, or about $140 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. CSAA: $1,288 per year, or about $107 per month.
  2. Allstate: $700 per year, or about $58 per month.
  3. American Family: $1,053 per year, or about $88 per month.
  4. Bristol West: $1,916 per year, or about $160 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. CSAA: $7,870 per year, or about $656 per month.
  2. Allstate: $3,824 per year, or about $319 per month.
  3. American Family: $3,732 per year, or about $311 per month.
  4. Bristol West: $7,897 per year, or about $658 per month.
  5. Country Financial: $2,556 per year, or about $213 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. CSAA: $1,695 per year, or about $141 per month.
  2. Allstate: $875 per year, or about $73 per month.
  3. American Family: $1,304 per year, or about $109 per month.
  4. Bristol West: $2,740 per year, or about $228 per month.
  5. Country Financial: $872 per year, or about $73 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. CSAA: $8,641 per year, or about $720 per month.
  2. Allstate: $4,035 per year, or about $336 per month.
  3. American Family: $4,114 per year, or about $343 per month.
  4. Bristol West: $7,997 per year, or about $666 per month.
  5. Country Financial: $2,464 per year, or about $205 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. CSAA: $7,423 per year, or about $619 per month.
  2. Allstate: $4,138 per year, or about $345 per month.
  3. American Family: $4,226 per year, or about $352 per month.
  4. Bristol West: $7,388 per year, or about $616 per month.
  5. Country Financial: $2,540 per year, or about $212 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. CSAA: $5,073 per year, or about $423 per month.
  2. Allstate: $2,148 per year, or about $179 per month.
  3. American Family: $2,222 per year, or about $185 per month.
  4. Bristol West: $5,249 per year, or about $437 per month.
  5. Country Financial: $1,610 per year, or about $134 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. CSAA: $1,181 per year, or about $98 per month.
  2. Allstate: $686 per year, or about $57 per month.
  3. American Family: $955 per year, or about $80 per month.
  4. Bristol West: $1,684 per year, or about $140 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. CSAA: $7,571 per year, or about $631 per month.
  2. Allstate: $3,667 per year, or about $306 per month.
  3. American Family: $3,410 per year, or about $284 per month.
  4. Bristol West: $7,672 per year, or about $639 per month.
  5. Country Financial: $2,451 per year, or about $204 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. CSAA: $1,546 per year, or about $129 per month.
  2. Allstate: $854 per year, or about $71 per month.
  3. American Family: $1,184 per year, or about $99 per month.
  4. Bristol West: $1,962 per year, or about $164 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. CSAA: $8,163 per year, or about $680 per month.
  2. Allstate: $3,661 per year, or about $305 per month.
  3. American Family: $3,748 per year, or about $312 per month.
  4. Bristol West: $7,920 per year, or about $660 per month.
  5. Country Financial: $2,398 per year, or about $200 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. CSAA: $7,051 per year, or about $588 per month.
  2. Allstate: $3,806 per year, or about $317 per month.
  3. American Family: $3,847 per year, or about $321 per month.
  4. Bristol West: $7,298 per year, or about $608 per month.
  5. Country Financial: $2,437 per year, or about $203 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. CSAA: $4,561 per year, or about $380 per month.
  2. Allstate: $2,135 per year, or about $178 per month.
  3. American Family: $2,148 per year, or about $179 per month.
  4. Bristol West: $5,073 per year, or about $423 per month.
  5. Country Financial: $1,568 per year, or about $131 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. CSAA: $1,067 per year, or about $89 per month.
  2. Allstate: $693 per year, or about $58 per month.
  3. American Family: $946 per year, or about $79 per month.
  4. Bristol West: $1,657 per year, or about $138 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. CSAA: $6,949 per year, or about $579 per month.
  2. Allstate: $3,629 per year, or about $302 per month.
  3. American Family: $3,304 per year, or about $275 per month.
  4. Bristol West: $7,289 per year, or about $607 per month.
  5. Country Financial: $2,380 per year, or about $198 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. CSAA: $1,388 per year, or about $116 per month.
  2. Allstate: $862 per year, or about $72 per month.
  3. American Family: $1,171 per year, or about $98 per month.
  4. Bristol West: $1,939 per year, or about $162 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. CSAA: $7,384 per year, or about $615 per month.
  2. Allstate: $3,661 per year, or about $305 per month.
  3. American Family: $3,625 per year, or about $302 per month.
  4. Bristol West: $7,720 per year, or about $643 per month.
  5. Country Financial: $2,364 per year, or about $197 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. CSAA: $6,348 per year, or about $529 per month.
  2. Allstate: $3,806 per year, or about $317 per month.
  3. American Family: $3,715 per year, or about $310 per month.
  4. Bristol West: $6,992 per year, or about $583 per month.
  5. Country Financial: $2,368 per year, or about $197 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. CSAA: $4,834 per year, or about $403 per month.
  2. Allstate: $2,205 per year, or about $184 per month.
  3. American Family: $2,424 per year, or about $202 per month.
  4. Bristol West: $5,458 per year, or about $455 per month.
  5. Country Financial: $1,677 per year, or about $140 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. CSAA: $1,283 per year, or about $107 per month.
  2. Allstate: $721 per year, or about $60 per month.
  3. American Family: $1,119 per year, or about $93 per month.
  4. Bristol West: $1,963 per year, or about $164 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. CSAA: $7,337 per year, or about $611 per month.
  2. Allstate: $3,759 per year, or about $313 per month.
  3. American Family: $3,731 per year, or about $311 per month.
  4. Bristol West: $7,694 per year, or about $641 per month.
  5. Country Financial: $2,569 per year, or about $214 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. CSAA: $1,688 per year, or about $141 per month.
  2. Allstate: $896 per year, or about $75 per month.
  3. American Family: $1,403 per year, or about $117 per month.
  4. Bristol West: $2,796 per year, or about $233 per month.
  5. Country Financial: $930 per year, or about $78 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. CSAA: $7,933 per year, or about $661 per month.
  2. Allstate: $3,610 per year, or about $301 per month.
  3. American Family: $4,172 per year, or about $348 per month.
  4. Bristol West: $8,576 per year, or about $715 per month.
  5. Country Financial: $2,598 per year, or about $217 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. CSAA: $6,780 per year, or about $565 per month.
  2. Allstate: $3,755 per year, or about $313 per month.
  3. American Family: $4,225 per year, or about $352 per month.
  4. Bristol West: $7,338 per year, or about $612 per month.
  5. Country Financial: $2,561 per year, or about $213 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.

» 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 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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