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.
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Please enter a valid zip codeTo make things easier, NerdWallet collected rates from the largest insurers in the state and found the cheapest options for several types of drivers.
Cheapest for good drivers
American Family was the cheapest carrier we found for Nevada drivers with clean driving and credit histories. Its average rate quote was $172 per month; State Farm also came in under $200 per month, on average, and Allstate was third-cheapest.
Insurer | Average price |
---|---|
![]() | $2,067/year $172/month |
![]() | $2,160/year $180/month |
![]() | $2,565/year $214/month |
Cheapest for drivers with poor credit
For Nevadans with blemished credit, American Family was the cheapest insurer we found at $246 per month, on average. Rates pretty much skyrocket from there — the priciest average rate we found for this group was close to $650 per month. Geico and Allstate complete the list.
Insurer | Average price |
---|---|
![]() | $2,951/year $246/month |
![]() | $4,104/year $342/month |
![]() | $4,495/year $375/month |
Cheapest for drivers with one at-fault crash
State Farm was the cheapest company we found for drivers in Nevada with a recent accident on record, at $211 per month, on average. Allstate and Liberty Mutual come in second and third, respectively.
Insurer | Average price |
---|---|
![]() | $2,528/year $211/month |
![]() | $3,501/year $292/month |
![]() | $3,662/year $305/month |
Cheapest for low-mileage drivers
American Family knocks over $20 off its average monthly rate for low-mileage Nevada drivers, with an average price of $151 per month and the cheapest for this group. State Farm and Geico round out the list.
Insurer | Average price |
---|---|
![]() | $1,817/year $151/month |
![]() | $1,925/year $160/month |
![]() | $2,392/year $199/month |
Cheapest for minimum coverage
State Farm was the cheapest carrier we found for minimum required auto coverage in Nevada, at an average quote of $77 per month. In a tightly priced list, American Family takes second place and Progressive comes in third.
Insurer | Average price |
---|---|
![]() | $928/year $77/month |
![]() | $967/year $81/month |
![]() | $1,012/year $84/month |
Cheap for military families

- Available 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. It’s not available to the general public, which is why we don’t rank it within the groups. However, USAA was the cheapest option in every category listed above, sometimes by quite a bit.
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.
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
Category | Cheapest option |
---|---|
Good drivers | American Family |
Drivers with poor credit | American Family |
Drivers with one at-fault crash | State Farm |
Low-mileage drivers | American Family |
Minimum coverage | State Farm |
Cheap for military families | USAA |