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Best Cheap Car Insurance in Nevada for 2021

Jan. 20, 2021
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When looking for cheap car insurance in Nevada, you may run into some challenges. Prices can vary significantly from one company to the next, even for the same coverage options and limits, so it pays to gather as many quotes as possible.

Call for a personalized auto quote: 800-259-1826

To make things easier, NerdWallet collected rates from 35 insurers in the state and found the cheapest options for several types of drivers.

» Are you a Vegas-area resident? Find the Best Cheap Car Insurance in Las Vegas

Cheapest for 20-year-old drivers in Nevada

Drivers in their 20s may have to get a lot of quotes to find 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 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. Geico: $2,001 per year.
  2. Nationwide: $2,973 per year.
  3. Country Financial: $3,077 per year.
  4. State Farm: $3,317 per year.
  5. Progressive: $3,676 per year.
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Cheapest minimum coverage 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: $850 per year.
  2. Country Financial: $1,197 per year.
  3. Nationwide: $1,323 per year.
  4. Progressive: $1,357 per year.
  5. State Farm: $1,372 per year.
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Cheapest coverage for 20-year-olds with poor credit in Nevada

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

  1. Geico: $1,133 per year.
  2. Progressive: $1,654 per year.
  3. Nationwide: $1,728 per year.
  4. Country Financial: $1,799 per year.
  5. Hallmark Insurance: $1,988 per year.
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Cheapest for 20-year-old drivers with one at-fault crash in Nevada

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

  1. Geico: $1,131 per year.
  2. Nationwide: $1,547 per year.
  3. Country Financial: $1,560 per year.
  4. Progressive: $1,663 per year.
  5. Hallmark Insurance: $1,753 per year.
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Cheapest insurance for 20-year-old drivers after a DUI in Nevada

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

  1. Progressive: $1,548 per year.
  2. Geico: $1,653 per year.
  3. Hallmark Insurance: $1,753 per year.
  4. Nationwide: $1,847 per year.
  5. Kemper: $1,969 per year.
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Cheapest for 30-year-old drivers in Nevada

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 in Nevada for 30-year-olds

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

  1. Geico: $1,009 per year.
  2. Nationwide: $1,550 per year.
  3. Progressive: $1,575 per year.
  4. State Farm: $1,754 per year.
  5. Farmers: $2,039 per year.
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Cheapest minimum coverage 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: $375 per year.
  2. Progressive: $534 per year.
  3. Nationwide: $592 per year.
  4. State Farm: $602 per year.
  5. Country Financial: $704 per year.
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Cheapest coverage for 30-year-olds with poor credit in Nevada

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

  1. Geico: $1,361 per year.
  2. Progressive: $2,143 per year.
  3. Nationwide: $2,194 per year.
  4. Country Financial: $3,013 per year.
  5. American Family: $3,052 per year.
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Cheapest for 30-year-old drivers with one at-fault crash in Nevada

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

  1. Geico: $1,719 per year.
  2. State Farm: $2,219 per year.
  3. Nationwide: $2,266 per year.
  4. Progressive: $2,633 per year.
  5. Country Financial: $2,642 per year.
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Cheapest insurance for 30-year-old drivers after a DUI in Nevada

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

  1. Progressive: $2,190 per year.
  2. Geico: $2,635 per year.
  3. State Farm: $2,804 per year.
  4. Nationwide: $2,905 per year.
  5. Farmers: $3,113 per year.
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Cheapest for 40-year-old drivers in Nevada

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 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: $1,015 per year.
  2. Nationwide: $1,460 per year.
  3. Progressive: $1,528 per year.
  4. State Farm: $1,739 per year.
  5. Country Financial: $1,815 per year.
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Cheapest minimum coverage 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: $374 per year.
  2. Progressive: $506 per year.
  3. Nationwide: $537 per year.
  4. Country Financial: $590 per year.
  5. State Farm: $607 per year.
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Cheapest coverage for 40-year-olds with poor credit in Nevada

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

  1. Geico: $1,370 per year.
  2. Nationwide: $2,069 per year.
  3. Progressive: $2,101 per year.
  4. Country Financial: $2,586 per year.
  5. American Family: $3,052 per year.
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Cheapest for 40-year-old drivers with one at-fault crash in Nevada

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

  1. Geico: $1,722 per year.
  2. Nationwide: $2,155 per year.
  3. State Farm: $2,200 per year.
  4. Country Financial: $2,357 per year.
  5. Progressive: $2,569 per year.
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Cheapest insurance for 40-year-old drivers after a DUI in Nevada

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

  1. Progressive: $2,130 per year.
  2. Geico: $2,665 per year.
  3. State Farm: $2,780 per year.
  4. Nationwide: $2,794 per year.
  5. Country Financial: $2,818 per year.
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Cheapest for 50-year-old drivers in Nevada

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 the best cheap car insurance companies is a good place to start.

Cheapest full coverage 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: $912 per year.
  2. Nationwide: $1,364 per year.
  3. Progressive: $1,419 per year.
  4. Country Financial: $1,631 per year.
  5. State Farm: $1,718 per year.
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Cheapest minimum coverage 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: $329 per year.
  2. Progressive: $490 per year.
  3. Nationwide: $504 per year.
  4. Country Financial: $508 per year.
  5. State Farm: $602 per year.
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Cheapest coverage for 50-year-olds with poor credit in Nevada

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

  1. Geico: $1,233 per year.
  2. Progressive: $1,923 per year.
  3. Nationwide: $1,933 per year.
  4. Country Financial: $2,303 per year.
  5. American Family: $2,752 per year.
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Cheapest for 50-year-old drivers with one at-fault crash in Nevada

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

  1. Geico: $1,605 per year.
  2. Nationwide: $2,038 per year.
  3. Country Financial: $2,148 per year.
  4. State Farm: $2,175 per year.
  5. Progressive: $2,531 per year.
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Cheapest insurance for 50-year-old drivers after a DUI in Nevada

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: $2,035 per year.
  2. Country Financial: $2,501 per year.
  3. Geico: $2,554 per year.
  4. Nationwide: $2,677 per year.
  5. State Farm: $2,748 per year.
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Cheapest for 65-year-old drivers in Nevada

Although 65-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 mid-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 in Nevada for 65-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: $903 per year.
  2. Nationwide: $1,314 per year.
  3. Country Financial: $1,616 per year.
  4. Progressive: $1,626 per year.
  5. State Farm: $1,647 per year.
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Cheapest minimum coverage in Nevada for 65-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: $337 per year.
  2. Nationwide: $500 per year.
  3. Country Financial: $520 per year.
  4. State Farm: $571 per year.
  5. Progressive: $600 per year.
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Cheapest coverage for 65-year-olds with poor credit in Nevada

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

  1. Geico: $1,216 per year.
  2. Nationwide: $1,858 per year.
  3. Progressive: $2,130 per year.
  4. Country Financial: $2,290 per year.
  5. American Family: $2,752 per year.
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Cheapest for 65-year-old drivers with one at-fault crash in Nevada

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

  1. Geico: $1,706 per year.
  2. Nationwide: $1,976 per year.
  3. State Farm: $2,083 per year.
  4. Country Financial: $2,215 per year.
  5. Progressive: $2,961 per year.
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Cheapest insurance for 65-year-old drivers after a DUI in Nevada

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

  1. Progressive: $2,439 per year.
  2. Country Financial: $2,489 per year.
  3. Geico: $2,614 per year.
  4. Nationwide: $2,615 per year.
  5. State Farm: $2,626 per year.
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Cheapest 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 17 of the 40 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.

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.

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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.

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Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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

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