Car Insurance in Nevada

Average car insurance cost in Nevada

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $1,040 for liability, $424 for collision and $136 for comprehensive ($1,600 combined, versus $1,439 nationally). That average expenditure is 13% higher than the NAIC's previous data year ($1,291). Comprehensive coverage is cheaper than average here, a sign of lower weather and theft losses.

Minimum car insurance requirements in Nevada

Nevada's minimum is written as 25/50/20: $25,000 per person / $50,000 per accident in bodily injury liability and $20,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $1,255 a year here, $390 more than the minimum.

The registered owner must be a named insured on a Nevada policy, and there is no grace period for coverage lapses.

Is Nevada a no-fault state?

No — Nevada is an at-fault (tort) state. Nevada is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.

No-fault vs. at-fault explained

Uninsured drivers in Nevada

The Insurance Research Council estimates 11.1% of Nevada drivers are uninsured — 35th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 9 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Uninsured/underinsured motorist coverage is optional, but insurers must offer it at no less than the minimum liability limits), but it is still inexpensive protection against hit-and-run and uninsured drivers.

SR-22 requirements in Nevada

Nevada uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. Insurance lapses of 91 days or more require SR-22 insurance for three years, along with fees and fines.

By our model, a driver in their 30s with a DUI would pay about $1,630 a year for minimum coverage in Nevada, versus $865 with a clean record. What is SR-22 insurance?

Car insurance by city in Nevada

We cover 8 Nevada cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Carson City ($1,770) and the highest in Las Vegas ($2,140).

Estimated cost by driver profile in Nevada

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Nevada.

By coverage level

Cheapest and most expensive cars to insure in Nevada

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,235 a year here.

Cheap car insurance in Nevada: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $75 a year on a typical Nevada full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,565 to $1,255.
• Drive less, pay less. Low-mileage and usage-based programs can save around $125 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $400 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles. The Nevada Division of Insurance publishes a rate comparison tool.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Nevada Division of Insurance

The Nevada Division of Insurance licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

doi.nv.gov

File a complaint

Consumer complaint page

Consumer helpline

1-888-872-3234

Rate comparison

Official premium comparison

Homeowners insurance in Nevada →

Nevada vs. neighboring states