Fact CheckedKey takeaways
GEICO is our top pick for Nevada drivers based on our 2026 analysis of factors like financial strength, customer experience and discount options.
Progressive offers the best cheap car insurance in Nevada.
Travelers offers some of the best coverage add-ons for Nevada drivers.
American Family is the best option for drivers who want to take advantage of a wide variety of discounts.
Amica is the best option for drivers who want to bundle their auto insurance with a home or renters policy.
NerdWallet’s editorial team collected and analyzed data on 15 auto insurers that sell policies in Nevada. We then scored each for a variety of factors to determine the best car insurance companies in the state. Some of the categories we considered were financial stability, digital experience, customer satisfaction and offered discounts.
Our top picks for March 2026 are:
Category winner | NerdWallet star rating |
|---|---|
Best overall pick: GEICO | |
Best budget pick: Progressive | |
Best coverage add-ons: Travelers | |
Best ways to save: American Family | |
Best bundling options: Amica |
For our list of the best car insurance companies in Nevada, we only considered insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength: We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience: These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use: This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on user ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save: We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state 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.
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Best overall pick: GEICO
Full coverage
$239 /month
Liability only
$53 /month
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we picked it: GEICO received excellent scores in our company comparisons for its financial strength, which indicates how reliable a company is at paying out claims, and for its digital features. GEICO also received our top discount score because of its savings opportunities, which plays a big part in why we think it’s the best car insurance company in Nevada for March 2026.
Digital experience. GEICO’s mobile app is rated highly on both Apple and Android devices. It allows drivers to contact roadside assistance, track car maintenance schedules and estimate damage after an accident. GEICO’s website provides useful information about car insurance, including how much you can save with each discount. You can also get a quote online without needing to connect with an agent — something not every insurer offers.
Number of discounts. GEICO offers a long list of ways to save on auto insurance rates, including discounts for driving a new car, shopping for a new policy before your current one ends and getting your quote online.
» Read more: GEICO auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,862 $635 One speeding ticket, good credit $3,758 $790 One at-fault crash, good credit $4,602 $990 One DUI, good credit $5,752 $1,349 Clean driving record, poor credit $4,253 $880 Rates refreshed March 2026.
Best budget pick: Progressive
Full coverage
$118 /month
Liability only
$41 /month
Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we picked it: Progressive had some of the cheapest car insurance in Nevada for common driver types in our March 2026 analysis. It also offers an expansive selection of coverage add-ons, meaning you might be able to include valuable add-ons while still keeping the price affordable.
While Progressive was often the most affordable company in our analysis, it might not be the cheapest for you. We recommend comparing car insurance quotes from at least three insurers to make sure you're getting the best price possible.
Coverage add-ons. Some of Progressive’s most interesting options include coverage that will pay for minor dents or mechanical repairs, and if you have a full coverage policy you could get up to $1,000 of vet bills reimbursed for pet injuries caused by a covered accident. The company also offers custom parts coverage, gap coverage and rideshare insurance as add-ons.
Excellent mobile experience. Progressive’s mobile app earned great customer review scores for both Android and Apple devices. But one of the most valuable perks of Progressive is that you can get a quote and start your policy without having to speak with an agent.
Teen driver discount. Young drivers are often the most expensive to insure, regardless of their vehicle or even their driving history. But to help drivers manage that expense, Progressive offers discounts for keeping a teen driver on your policy for at least a year and for students who maintain good grades in school.
» Read more: Progressive auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,414 $493 One speeding ticket, good credit $1,830 $661 One at-fault crash, good credit $2,159 $787 One DUI, good credit $1,792 $607 Clean driving record, poor credit $2,015 $674 Rates refreshed March 2026.
Best coverage add-ons: Travelers
Full coverage
$145 /month
Liability only
$51 /month
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, & WI.
Why we picked it: We wanted to highlight an insurer with a lot of coverage add-ons as well as affordable rates. Travelers offers several valuable options, such as gap insurance and accident forgiveness. It’s also one of the most affordable options in Nevada, so you could potentially get more coverage without having to overpay. And Travelers' great set of discounts could also help you reduce your rates even further.
Accident forgiveness. Travelers offers two different accident forgiveness plans. The basic package includes accident forgiveness and minor violation forgiveness within a specific period of time.
Decreasing deductible. If you’re a safe driver, then Travelers’ premier safe driver plan could lower the cost of your deductible, or remove it completely if your car is totaled.
Bundling discount. You might be eligible for a car insurance discount from Travelers if you own a home or condo, even if you insure it through a different provider.
Coverage add-ons. Travelers offers both gap coverage and new car replacement as policy add-ons, and Nevada drivers might be able to get Travelers rideshare coverage as well.
» Read more: Travelers auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,734 $616 One speeding ticket, good credit $2,285 $777 One at-fault crash, good credit $2,122 $730 One DUI, good credit $2,734 $918 Clean driving record, poor credit $2,837 $929 Rates refreshed March 2026.
Best ways to save: American Family
Full coverage
$219 /month
Liability only
$87 /month
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AZ, CO, GA, IA, ID, IL, IN, KS, MN, MO, ND, NE, NV, OH, OR, SD, UT, WA, & WI.
Why we picked it: Our comparison of 15 companies in Nevada showed that American Family had one of the best scores for discount offerings. (Only GEICO scored better in this category.) Many of the discounts are easy to earn, like driving a car with factory-installed airbags or signing up for paperless communication. Other, more interesting discounts include saving up to 25% for driving less than 8,000 miles per year.
Accident forgiveness. American Family offers accident forgiveness as a coverage add-on. (This can keep your rates from increasing after your first accident.) Some drivers qualify for this perk for free with a proven history of safe driving.
Optional coverages. American Family’s excellent selection of coverage add-ons include things like original equipment manufacturer (OEM) and gap insurance.
Packaged travel bundle. You can opt into a car insurance bundle that includes rental reimbursement coverage, roadside assistance and help with travel expenses if you’re involved in an accident far from home. It also covers accidental death and dismemberment to manage the costs of dealing with serious loss, regardless of who was at fault.
» Read more: American Family auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,627 $1,044 One speeding ticket, good credit $3,284 $1,300 One at-fault crash, good credit $4,198 $1,678 One DUI, good credit $4,407 $1,681 Clean driving record, poor credit $4,117 $1,751 Rates refreshed March 2026.
Best bundling options: Amica
Low consumer complaints and a wide variety of policy perks and discounts make Amica a top-rated choice for good drivers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we picked it: Amica scored near the top for most of the categories we consider in our comparisons — financial strength, coverage options, customer complaint score and online experience. But in addition to being a great pick for drivers who value those things, Amica is also one of the best car insurance companies for bundling home and auto insurance or renters and auto insurance.
Coverage add-ons. Other helpful options from Amica include full glass coverage, new car replacement coverage and gap coverage.
Discount options. Amica offers a wide variety of discounts, including multiple options that young drivers on your policy may earn, as well as discounts for driving a vehicle with common safety features.
Optional dividends. You can choose between a traditional auto insurance policy or one that may pay out a dividend. While Amica admits the dividend policies can cost more at first, they may return a percentage of your insurance costs. If you decide to try it, you can pick whether you want to be paid directly or apply the savings to your next premium.
» Read more: Amica auto insurance review
We don’t have rates data for Amica specific to Nevada drivers. However, we've found that it can be more expensive than average for drivers across the U.S.
Driver profile Amica's average rate National average rate Clean driving record, good credit $3,167 $2,324 One speeding ticket, good credit $4,114 $2,981 One at-fault crash, good credit $3,957 $3,443 One DUI, good credit $11,783 $4,375 Clean driving record, poor credit $9,541 $3,926 Driver age Amica's median rate National median rate 20 $6,793 $4,734 30 $3,194 $2,403 35 $3,167 $2,324 40 $3,111 $2,254 50 $2,917 $2,096 60 $2,917 $2,004 70 $2,971 $2,139 Rates refreshed March 2026.
See what you could save on car insurance
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Other top car insurance companies in Nevada
If you’re looking for more top car insurance companies in Nevada, here are a few additional insurers that earned a NerdWallet star rating of 4.5 or higher. Each one could be a great choice, depending on your driving history and coverage needs.
Company | Why we picked it |
|---|---|
Acuity | Best customer complaints score |
Best digital/mobile experience | |
Best for older drivers | |
USAA* | Best for military families |
*USAA is available only to members of the military, veterans and their families. | |
How much does car insurance cost in Nevada?
Your insurance premium might change over time, even if your personal information stays the same. That can make it hard to know what to expect when comparing quotes from different companies. While insurers might all look at the same information — age, location, vehicle details and driving history, among others — they each use a different formula to set their prices.
If you’re curious what you might pay for coverage, you can enter your ZIP code into our car insurance calculator and see the average cost in your area.
Enter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0All Nevada drivers are required to carry liability car insurance, which pays for others' injuries or property damage if you're responsible for an accident.
The minimum coverage requirements you must buy in Nevada are:
Bodily injury liability insurance that pays up to $25,000 per person injured, and up to a total of $50,000 per accident.
Property damage liability insurance that pays up to $20,000 per accident.
Nevada’s car insurance requirements may help cover the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits. But we recommend buying more than the minimum amount of insurance to avoid being left vulnerable to lawsuits or major accident bills.
You can also consider adding optional coverage types such as collision and comprehensive insurance, which pay for damage to or theft of your vehicle. A minimum insurance policy in Nevada won’t cover this type of damage if you’re at fault for an accident.
How to choose the right insurer
Every driver is different, and that can make it hard to figure out which insurance company is the best option for you. Here are a few things you should expect from any top insurer:
Affordable pricing so you can actually get a policy. (This includes having a good variety of discounts.)
Coverage options in case you need specialty coverage or want more than the standard coverage limits.
Great customer service that can simplify the claims process if or when you need it.
Reliable reputation so you can have peace of mind that the company will be there for you.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had 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.
In states where required, minimum additional coverages were added. 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 only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
