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A long road in Nevada.

Looking for cheap car insurance in Nevada? Read these tips and quote comparisons from CheapInsurance.com to find the best deal.

Nevada is home to over 3 million people and more than 1.8 million registered drivers—that means over half the state’s population is out on the roads!

In Nevada, car insurance on average costs $1,768 per year. This is about $239 higher than the national average.

Some of the reasons car insurance in Nevada is so expensive, include:

  • High urban population density.
  • High vehicle theft rates.
 

Over 90% of Nevada residents live in urban areas, where the risk of car accidents, theft, and vandalism is higher than in rural areas. Despite the high cost of car insurance in Nevada, it’s still possible to find affordable car insurance rates.

The best way to make sure you’re getting the best rates from auto insurance companies is to compare quotes from multiple insurers.

To help you find the cheapest Nevada car insurance, we’ve looked at the prices offered by insurers in these five counties:

  • Clark County.
  • Washoe County.
  • Lyon County.
  • Carson County.
  • Elko County.
 

Is It Legal To Drive without Car Insurance in Nevada?

Knowing whether or not you can legally drive without car insurance in Nevada can become confusing because many people use the term “car insurance” as a catch-all term.

There are, in fact, three different types of car insurance that make up a full coverage car insurance policy.

Key Point: Full Coverage Car Insurance

Full coverage car insurance is made up of three car insurance policies:

  • Comprehensive coverage: This type of insurance compensates you in the event that your car is totaled due a nonaccident-related event (e.g. fire, flood) or if it’s stolen.
  • Collision coverage: This type of insurance compensates you in the event that your car is totaled or damaged in a car accident.
  • Liability insurance: This insurance compensates a third party on your behalf if you cause injury/death to another person or damage their property while driving.

In Nevada, it’s illegal to drive without a liability insurance policy that meets the state’s minimum requirements.

Key Point: Minimum Liability Insurance

Liability insurance is designed to protect third parties and their property from damage you may cause while driving. It does not cover any damages to your own vehicle.

While each state will have different minimum liability insurance requirements, it always addresses three key points:

  • Bodily injury coverage per person: This covers medical bills, legal fees, or lost wages you might be required to pay to an individual third party.
  • Bodily injury coverage per accident: This is the maximum amount your insurer will pay out for medical bills, legal fees, or lost wages in the event of an accident, regardless of how many people are injured.
  • Property damage coverage per accident: This is the maximum amount your insurer will pay out for repairs or a replacement if you cause damage to another person’s property.

In Nevada, the minimum liability insurance requirements are:

  • $25,000 for bodily injuries per person.
  • $50,000 for bodily injuries per accident.
  • $25,000 for property damage.
 

To drive legally, all drivers in Nevada must meet these liability requirements.

If you’re in a car accident and do not have minimum liability insurance, you may be personally responsible for paying for the other party’s property damages, medical bills, and lost wages.

If you are caught driving without meeting the minimum liability requirements, you may be subject to the following penalties:

  • First offense: A fine ranging from $250 to $1,000.
  • Second offense: A fine ranging from $500 to $1,000, a driver’s license suspension, and a $500 fee to reinstate your license. You may also be required to obtain SR-22 insurance.
  • Third offense: A fine ranging from $500 to $1,000, a driver’s license suspension, and a $750 fee to reinstate your license. You may also be required to obtain SR-22 insurance.
 

If you’re required to obtain SR-22 insurance (a form that proves you meet Nevada’s minimum liability insurance requirements), this will significantly increase the cost of your auto insurance.

We’ve looked at the rates offered by various car insurance companies for minimum liability car insurance to help you find affordable minimum liability insurance. We found that:

  • The cheapest minimum liability insurance is Liberty Mutual at $158.20.
  • The most expensive minimum liability insurance is Bristol West at $231.60.
  • The average cost of minimum liability insurance is $188.
 
ProviderClark CountyWashoe CountyLyon CountyCarson CountyElko CountyAverage
Dairyland$320.00$153.00$132.00$132.00$123.00$172.00
Liberty Mutual$339.00$123.00$129.00$100.00$100.00$158.20
Bristol West$361.00$254.00$188.00$186.00$169.00$231.60
Mercury$495.00$140.00$112.00$103.00$101.00$190.20

Find Cheap Full Coverage Car Insurance in Nevada

Full coverage car insurance isn’t a legal requirement in Nevada, but it will give you peace of mind knowing you’ll be financially reimbursed in the event of:

  • An at-fault accident.
  • Theft or theft of car parts.
  • Non-crash damage (e.g. natural disasters, fire, flooding).
  • A broken windshield.
  • Car damage caused by hitting an animal.
 

Replacing car parts, repairing damage, or buying a new car if your car is totaled can cost thousands of dollars.

If you don’t have full coverage car insurance, you will need to pay these costs from your own pocket.

In the event you can’t afford repairs, replacement parts, or a new car, you won’t be able to drive.

We’ve compared the rates offered by Nevada insurance companies to help you find the best deals on full coverage car insurance. We found that:

  • The cheapest full coverage car insurance is Mercury at $171.34.
  • The most expensive full coverage car insurance is Bristol West at $327.60.
  • The average cost of full coverage car insurance is $247.98.
 
ProviderClark CountyWashoe CountyLyon CountyCarson CountyElko CountyAverage
Travelers$367.00$197.00$172.00$166.00$167.00$213.80
Dairyland$534.00$242.00$204.00$204.00$186.00$274.00
Bristol West$536.00$360.00$258.00$255.00$229.00$327.60
Liberty Mutual$595.00$185.00$196.00$148.00$142.00$253.20
MercuryN/A$293.37$140.00$128.00$124.00$171.34

Cheap Car Insurance in Nevada for Drivers with Clean Driving Records

If you have a clean driving record, you’re in a great position to find the cheapest car insurance available.

If you do not have any of the following on your driving history, you are likely to find a great deal on car insurance:

  • No at-fault accidents.
  • No speeding tickets.
  • No reckless driving charges.
  • No DUI or DWI convictions.
 

We’ve looked at the rates offered by car insurance companies in Nevada to help you find affordable insurance. We found that:

  • The cheapest car insurance coverage for good drivers is Mercury at $132.71.
  • The most expensive car insurance coverage for good drivers is Bristol West at $291.75.
  • The average cost of car insurance for good drivers is $204.17.
 
ProviderClark CountyWashoe CountyLyon CountyCarson CountyElko CountyAverage
Travelers$303.00$169.00$150.00$145.00$146.00$182.60
Dairyland$426.00$199.00$170.00$170.00$157.00$224.40
Liberty Mutual$427.00$143.00$149.00$115.00$113.00$189.40
Bristol West$433.00$299.00$219.00$216.00N/A$291.75
Mercury$171.84N/A$127.00$118.00$114.00$132.71

Looking for a personalized full coverage car insurance quote? Click here!

Cheap Car Insurance in Nevada for High-Risk Drivers

If you are classified as a high-risk driver, your auto insurance options may be limited.

This is because many car insurance companies do not cover high-risk drivers. The companies that do provide coverage to high-risk drivers usually do so at a higher rate.

Key Point: High-Risk Driver

Insurers describe drivers as “high-risk” if they believe you are very likely to claim from your insurance policy. You may be considered a high-risk driver if you:

  • Are required to carry SR-22 insurance.
  • Have had a DUI conviction.
  • Have been charged with reckless driving.
  • Have numerous speeding tickets.
  • Have been found at-fault in an accident.
  • Have a high number of points on your driving record.
  • Do not meet Nevada’s minimum liability coverage requirements.
  • Have a poor credit score.

To help high-risk drivers in Nevada find low-cost car insurance, we’ve compared quotes from four insurers in the state. We found that:

  • The cheapest car insurance coverage for high-risk drivers is Progressive at $158.29.
  • The most expensive car insurance coverage for high-risk drivers is Mercury at $431.64.
  • The average car insurance rate for high-risk drivers is $289.18.
 
ProviderClark CountyWashoe CountyLyon CountyCarson CountyElko CountyAverage
Dairyland$320.00$153.00$132.00$132.00$123.00$172.00
Bristol West$626.00$435.00$318.00$314.00$281.00$394.80
Mercury$668.91$436.92$370.26$340.56$341.55$431.64
Progressive$208.61$117.67$151.00$159.52$154.63$158.29

The Cheapest Car Insurance in Nevada for Young Drivers

Young drivers generally pay higher auto insurance rates than older drivers.

This is because they are less experienced drivers, and therefore pose a higher risk for insurance companies to cover.

To help you find the cheapest car insurance company for young drivers, we’ve compared the average rates of four car insurance companies. We found that:

  • The cheapest car insurance coverage for young drivers is Liberty Mutual at $254.20.
  • The most expensive car insurance coverage for young drivers is Bristol West at $413.20.
  • The average car insurance rate for young drivers is $358.70.
 
ProviderClark CountyWashoe CountyLyon CountyCarson CountyElko CountyAverage
Liberty Mutual$526.00$204.00$213.00$161.00$167.00$254.20
Bristol West$642.00$458.00$336.00$334.00$296.00$413.20
Dairyland$714.00$335.00$289.00$289.00$270.00$379.40
Travelers$635.00$366.00$320.00$307.00$312.00$388.00

Need Cheap Car Insurance in Other States?

Your car must be registered in the same state you live in.

Registering your car in another state to avoid paying higher insurance premiums is considered insurance fraud, and can lead to a fine of up to $50,000 and up to five years in jail.

There are some unique instances where your car can be registered in one state while you live in another. These include:

  • Out-of-state college students.
  • Active-duty military service members.
  • Those who have homes in two states and split their time evenly between both.
 

If none of the above apply to you and you’re planning to move out of Nevada, you will need to find a new insurance company in the state that you move to.

Most car insurance companies will give you a grace period of up to 90 days to cancel your car insurance and obtain new car insurance.

To find the best deals on insurance in other states, read our articles below:

Florida
California
New York
Georgia
Michigan
Arizona

Top Tips for Finding Affordable Car Insurance

Look for Car Insurance Special Discounts

Some car insurance companies offer discounts for the following types of drivers:

  • Good drivers with a clean driving record.
  • Drivers who have completed an accredited defensive driving course.
  • Drivers who pay their annual premiums upfront.
  • Drivers who own cars that are equipped with safety features like airbags, anti-lock brakes, and an alarm system.
  • Some insurers offer mileage-based policies, so if you drive infrequently you may be able to save on your premiums.
 

If you think you could be eligible for some of these discounts, you should check with your licensed insurance agent or with car insurance companies directly.

Looking for an insurance agent? Chat with one of our consultants to help you find the best discounts on car insurance in Nevada.

#1 Pay Your Bills on Time

While your driving behaviors affect the cost of your insurance premiums, there are also some nondriving-related infringements that can cause your insurance rates to increase.

Some of these include:

  • Unpaid child support payments.
  • Defaulting on loans.
  • Unpaid insurance premiums.
  • High credit card balances.
  • Poor credit score.
 

If you have outstanding bills that affect your credit score, car insurers are likely to charge you a higher rate for car insurance, even if you have a clean driving record.

#2 Compare Quotes from Multiple Car Insurance Companies

The only way to know whether you’re getting a good deal on your car insurance is to shop around and compare rates from multiple insurers.

Car insurance rates are seldom negotiable, but there is an exception: If you can prove a different insurance company is willing to offer you a lower car insurance rate, you may be able to leverage this to get your insurer to match the rate offered.

Comparing quotes can be a time-consuming process because each insurance company will need to ask you a list of questions in order to generate your total premium rate.

If you want to save time, you can go through an insurance agent.

By going through an agent, you will only need to provide your details once, then they will shop around for the cheapest auto insurance on your behalf.

 

Top Auto Insurance Companies in Nevada

1. Mercury

Mercury was founded in the U.S. in 1961 and offers a range of insurance products to customers in 11 states: Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia.

Mercury’s network is made up of almost 10,000 agents and they have a dedicated app where you can pay your bills, manage your policies, and call for roadside assistance.

Whether you prefer to speak to an insurance agent or handle your insurance policies digitally, Mercury’s flexible offering is tailored to meet their clients’ unique needs.

Mercury offers the following insurance policies and benefits:

  • Auto insurance.
  • Homeowners insurance.
  • Renters insurance.
  • Condo insurance.
  • Business insurance.
  • Mechanical insurance.
  • A 24/7 Mercury app.
  • Rideshare coverage.
  • Good driver discounts.
  • Usage-based insurance.
 

2. Progressive

Founded in 1937 in Ohio, Progressive is the third-largest insurance carrier in the U.S., and the largest commercial auto insurance provider in the country.

As one of the most recognizable names in the insurance industry, they offer a wide range of insurance products in all states.

They also have a robust digital offering that enables their clients to manage their insurance policies remotely.

Some of the insurance policies offered by Progressive include:

  • Auto insurance for high-risk drivers.
  • Homeowners insurance.
  • Life insurance.
 

3. Liberty Mutual

Liberty Mutual was founded in Boston in 1917. Since then, it has grown to one of the largest insurance companies in the world, employing over 45,000 people in 900 locations.

Although they specialize in property insurance and casualty insurance, they also offer auto insurance in most states.

Some of the car insurance benefits offered by Liberty Mutual include:

  • Comprehensive insurance coverage.
  • Lifetime repair guarantee.
  • New car replacement insurance.
  • Better car replacement insurance.
  • Rental car reimbursement.
  • Roadside assistance.
  • Gap coverage.
  • Original parts replacement.

Nevada Car Insurance FAQs

Do I need to have car insurance in the state of Nevada?

In Nevada, full coverage car insurance is not a legal requirement. However, it’s illegal to drive without a liability insurance policy that meets the state’s minimum requirements.

In Nevada, the minimum liability insurance requirements are:

  • $25,000 for bodily injuries per person.
  • $50,000 for bodily injuries per accident.
  • $25,000 for property damage.
 

To drive legally, all drivers in Nevada must meet these liability requirements.

If your liability insurance policy lapses, your insurer is obligated to inform the Nevada DMV (Department of Motor Vehicles) and you may be subject to the following penalties:

  • A fine ranging from $250 to $1,000.
  • A driver’s license suspension.
  • A fee between $500 and $750 to reinstate your license.
  • You may be required to obtain SR-22 insurance.
 

Is car insurance expensive in Nevada?

Car insurance in Nevada is relatively expensive when compared to other states.

Over 90% of Nevada residents live in urban areas, where the risk of car accidents, theft, and vandalism is higher than in rural areas.

Car insurance on average costs $1,768 per year, which is almost $239 higher than the national average.

Despite the high cost of car insurance in Nevada, it’s still possible to find affordable car insurance rates by comparing multiple quotes.

Save time and find the best deals by getting in touch with one of our insurance agents.

Which auto insurance company has the cheapest car insurance in Nevada?

The total cost of your car insurance will depend on a range of factors, including:

  • Your age.
  • Your driving history.
  • Your credit score.
  • Where you park your car.
  • The risk of weather-related damage.
  • The value of your car.
  • The age of your car.
  • The coverage you select.
  • The deductible you select.
 

We’ve compared the rates offered by Nevada insurance companies to help you find the best deals on full coverage car insurance. Our research shows the following:

  • The cheapest full coverage car insurance is Mercury at $171.34.
  • The most expensive full coverage car insurance is Bristol West at $327.60.
  • The average cost of full coverage car insurance is $247.98.

– Average monthly insurance premium: $464

– Premium increase from start of decade: $196 (52%)

Learn a little more about car insurance and driving in Arizona

nevada-cheap-car-insurance

Getting Cheap Car Insurance In Nevada

With a bit of time and effort, it’s possible to find cheap car insurance that will fit into your budget. Follow these tips to get started: 

  1. Use legal minimums as a springboard: Car insurance providers are legally bound to offer you these minimums, and getting the minimum coverage will also be the cheapest. Of course, you may want more than the bare minimum, but it’s a good place to start. 
  2. Be picky: You can easily end up overpaying by going with the first quote you get. Compare rates from multiple companies to find the best deals.
  3. Drive safely: When you accrue speeding tickets and other negative marks on your driving record, your insurance premiums shoot up.

Nevada Car Insurance Discounts

Everyone likes a discount. In Nevada, drivers can get plenty of discounts based on how they drive and what safety precautions they are taking. Not all insurance companies will automatically give you the discounts you’re eligible for, so be sure to ask your car insurance provider what you can get.  

Good Driver: A clean record with no DUIs, tickets, or insurance claims can get you up to 30% off in the past few years. 

Good Student: Kids who study hard are seen as lower risk, more responsible drivers by insurance companies. Having a 3.0 GPA or above can get you a discount. 

Driver Education: Drivers age 50 and up can receive a discount for completing a state driver education program.

What is the penalty for driving without insurance in Nevada?

Driving in Nevada without insurance coverage is a crime. There is no grace period, so even if your coverage has only lapsed by one day, you’ll still be considered liable. The penalty for the first offense is the loss of one’s registration and a fee of $250–$1,250 to get it back. Repeated offenses come with heavier fines and the suspension of your license.

What is driving like in Nevada?

Nevada ranks as one of the better states to drive in. The dry climate means fewer dangerous rainstorms (which are more likely to cause accidents). Unfortunately, Nevada does have a high rate of car theft and a high rate of car accidents in downtown Las Vegas.

How can I save money on my car insurance policy in Nevada?

We put our heads together and came up with a list of ways to save: 

  • Have more than one car? Put them on the same policy to get multiple-car discounts.
  • Keep your record clean so that you can qualify for good driver discounts.
  • Ask your insurer if they offer discounts for having safety features installed. 
  • Explore installment plans as a means of payment. 
  • Up your deductible to reduce your monthly premium.

How does car registration work in Nevada?

  • Nevada local county assessors handle new vehicle registrations. A full listing of offices may be found here
  • New residents must transfer their registration within 30 days of becoming a resident. A Nevada Emission Vehicle Report may be required.

Other Types of Coverage

Depending on your circumstances, the minimum amount of car insurance coverage may not be enough. There are other types of coverage you can get, although not required, that can help you be protected and prepared, such as: 

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional kinds of coverage 

Endorsements and Riders

  • Towing and road service
  • Rental car reimbursement 
  • Gap insurance

Cities We Cover In Nevada

If you’re serious about getting the best possible cheap car insurance, then the place to start is with a quote from Cheap Insurance. We can help you find coverage in one of these cities:

Enter your Zip Code and get a
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