Best Cheap Car Insurance in Nevada for 2017

When looking for cheap car insurance in Nevada, avoid settling for the first quote you get. 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.

To make things easier, NerdWallet collected rates from the largest insurers in the state and found the cheapest options for the following types of drivers:

Good drivers

Young drivers

Drivers with one at-fault crash

Drivers with poor credit

Retired drivers

Drivers with a military connection

Also in this article

Minimum car insurance requirements in Nevada

Alternative car insurance in Nevada

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault crashes, DUIs or moving violations.


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Price

  • $1,077/year

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Price

  • $1,209/year

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price

  • $1,413/year

The average rate for good drivers among the three cheapest companies was $1,233 per year, which comes to about $103 a month. Geico offered the lowest average rate at $1,077 per year, followed by American Family and Farmers.

Drivers with spotless records can often save with discounts. Compare perks that companies offer that can lower your rate, such as discounts for being without claims or violations.

Cheapest for young drivers

For drivers in their early 20s.


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Price

  • $410/year

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price

  • $575/year

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price

  • $785/year

Drivers in their early 20s can often get by with leaner coverage than older motorists who have more assets to lose in a crash lawsuit. We collected rates for young drivers carrying the minimum required coverage amounts and found relatively cheap car insurance in Nevada as a result.

Geico notched the best deal in our analysis, at $410 per year. That’s $667 less than the cheapest rate for 30-year-old good drivers carrying fuller policies. All three of the cheapest companies for this group had rates under $66 a month.

Cheapest for drivers with one at-fault crash


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Price

  • $1,861/year

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price

  • $2,082/year

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Price

  • $2,182/year

Just one at-fault crash can raise your Nevada car insurance rate quite a bit. For example, the lowest average quote we found for this group was roughly $1,861 per year — $784 higher than the cheapest price for drivers of the same age with no accidents.

Even if you have an at-fault crash on your record, it’s beneficial to shop around for auto coverage. The steepest quote we found for this group was almost $3,300 per year, proof that you still have plenty to gain by comparing several estimates.

Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier.


NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn

Price

  • $1,738/year

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Price

  • $2,318/year

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price

  • $2,518/year

Nevada car insurers can use consumers’ credit-based insurance score to help determine their likelihood of making future claims. As a result, applicants with poor credit tend to face higher quotes than most other drivers.

American Family had the cheapest price in our results, at $1,738 per year. That’s $661 higher than the lowest average rate we found for drivers with good credit. Geico and Liberty Mutual were the next cheapest options, respectively, although both had significantly higher prices than American Family.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.


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Price

  • $941/year

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Price

  • $970/year

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Price

  • $1,250/year

Because retirees usually put far fewer miles on their cars than other drivers, they can often find relatively cheap car insurance in Nevada.

We looked at rates for drivers in their 60s who drive half as much per year as other groups. The lowest annual quote was $941 from State Farm, which was $136 less than the best deal we found for 30-year-old good motorists. Quotes for this group topped out near $2,200 per year, so older drivers should shop around to make sure they’re getting competitive rates.

Cheapest for drivers with a military connection


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Get a quote USAA is open only to active military members, veterans and their families.

If you’re an active military member or a veteran — or have an immediate family member who is — USAA is a good place to find cheap car insurance in Nevada. Although not available to the general public, USAA was one of the three cheapest options in every category listed above.

Minimum Nevada car insurance requirements

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 liability limits you must buy are:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per incident
  • $10,000 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 $10,000 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 quotes comparison tool.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Nevada

CategoryCheapest option
Good driversGeico
Young driversGeico
Drivers with one at-fault crashState Farm
Drivers with poor creditAmerican Family
Retired driversGeico
Drivers with a military connectionUSAA

Alex Glenn is a staff writer at NerdWallet, a personal finance website. Email: aglenn@nerdwallet.com.

Updated May 10, 2017.


METHODOLOGY

For most categories, NerdWallet averaged rates for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per crash
  • $50,000 property damage liability coverage per crash
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per crash
  • Collision coverage with $1,000 deductible
  • Comprehensive coverage with $1,000 deductible

We used a 2013 Toyota Camry in all cases. Our sample retired driver was 67 and drove 50% fewer annual miles than motorists in other groups. Our sample young driver was 22 and carried the minimum required coverage levels. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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