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How much is car insurance in Nevada?

Nevada car insurance rates average between $ 860 and $ 2,246 per year, depending on the choose level of coverage. Nevada averages a act higher than the national average of $ 1,674 and $ 565 for full and minimum coverage, respectively. How much is car policy in Nevada per calendar month ? Based on average quoted premiums from Quadrant Information Services, minimum coverage works out to around $ 71.66 per calendar month. For full moon coverage, the median equates to $ 187.16 a month. however, many providers incentivize paying in full moon for your six or 12-month premium, which may lower your total costs overall.

however, many factors such as your location, long time, vehicle prize, driving record and car policy carrier can affect your premiums. Your rates may be higher or lower than the state modal based on these and other variables .

Nevada car insurance rates by company

One of the most meaning ways to save on car policy is by comparing quotes to find the cheapest carrier. There are many car indemnity companies in Nevada to choose from. here are the average annual rates from the top car policy companies ( by grocery store contribution ) function in the submit, to help you see how wide rates may vary by provider .

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
AAA $958 $3,426
Allstate $1,010 $2,457
American Family $1,009 $2,146
Country Financial $719 $2,252
Farmers $1,415 $3,369
Geico $400 $1,116
Hallmark Financial $728 $2,053
Kemper $1,042 $2,844
Key $2,255 $4,505
Kingsway $2,363 $3,069
Mercury $828 $2,131

Nevada car insurance rates by city

Rates tend to vary based on your location, flush down to your particular ZIP code. Larger metropolitan areas typically see higher rates than smaller metro. If you plan on moving to Las Vegas, it is likely that cable car insurance in the city will be much higher than if you were moving to Boulder City, for example. Bankrate ’ s findings show the Winchester area in the vicinity of Las Vegas as the location with the highest indemnity rates in the state. however, your premiums will likely vary from the averages presented below .

City Average annual premium for full coverage % difference from state average annual premium
Las Vegas $2,929 30%
Henderson $2,571 15%
Reno $1,896 -16%
Paradise $2,946 31%
North Las Vegas $2,971 32%
Sunrise Manor $3,090 38%
Spring Valley $2,977 33%
Enterprise $2,809 25%
Sparks $1,890 -16%
Carson City $1,736 -23%
Pahrump $2,164 -4%
Whitney $2,974 32%
Winchester $3,147 40%
Fallon $1,635 -27%
Summerlin South $2,846 27%
Elko $1,655 -26%
Fernley $1,683 -25%
Sun Valley $1,917 -15%
Winnemucca $1,633 -27%
Mesquite $1,876 -16%

Nevada car insurance rates by age

Besides placement and carriers, historic period can besides significantly affect your premiums. Younger drivers typically pay more for coverage than older, more experience drivers, based on perceive risk. fortunately, premiums typically drop each year, when drivers maintain a clean, claims-free driving commemorate. *16 year olds are calculated on parent ’ mho policy

Nevada car insurance rates by driving record

A safe driver can typically save money on their premium in several ways. Citations and car indemnity deductibles can add up. The table below shows policy premiums after an accident or traffic violation, demonstrating how much your car policy can increase. Just one speeding ticket can potentially raise your rate by 23 %, on average .

Driving incident Average annual full coverage premium in Nevada % increase of average annual premium
Speeding ticket $2,755 23%
Accident $3,199 42%
DUI $3,892 73%

How to save on car insurance in Nevada

You may not be able to do much about your premiums based on your age or where you live. however, there are early ways you can keep rates low in nevada :

  • Bundle home or renters insurance with vehicle coverage: Buying your insurance policies with the same insurance company can commonly save you on both policies.
  • Focus on a clean driving record: Nevada allows you to complete traffic school to remove a moving violation once per year. Taking advantage could help keep your record clean and potentially save you from higher premiums.
  • Take a taxi: If you plan on a night out on the Las Vegas Strip, the cost of a taxi is far cheaper than a DUI, particularly when it comes to your insurance rates. Opting for a taxi or Uber instead of driving is an effective way to prevent a costly DUI from impacting your car insurance premium.
  • Shop around: To find the lowest Nevada auto insurance rates, get quotes from at least three or four companies to find the cheapest carrier. Comparing providers regularly can help too — you may find it worth switching carriers for cheaper car insurance as your circumstances change over time.

Frequently asked questions

How much is car insurance in Nevada?

The average cost of car insurance in Nevada is $ 860 per year for minimum coverage car indemnity and $ 2,246 for full moon coverage. however, your agio may be more or less based on variables unique to you .

What is the cheapest car insurance in Nevada?

2021 quoted premiums indicate Geico has the cheapest car insurance in Nevada for both minimal and full car indemnity, among the largest providers by market contribution. Geico ’ second annual rates averaged $ 400 for minimal coverage and $ 1,116 for full insurance. You may find a cheaper pace from other providers, however, based on your circumstances and driving history .

What is the difference between full and minimum car insurance?

The clearest deviation between minimal and entire coverage is the price — full car insurance is significantly more expensive because you are getting a much higher degree of fiscal protection. minimum coverage policy typically entirely includes the minimum state-required levels of liability indemnity, which pays for damages and injuries to others in an accident. Full coverage policy includes liability protection in accession to collision and comprehensive coverage, extending fiscal coverage to you and your property in the event of a loss. If you lease a fomite or plan on financing a car, the lender will by and large require you to have wide car policy .


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the be fully coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state ’ s requirements. Our basal profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles per annum. Age: Rates were calculated by evaluating our infrastructure visibility with the ages 18-60 ( base : 40 years ) applied. Incident: Rates were calculated by evaluating our basal profile with the following incidents applied : clean phonograph record ( basal ), at-fault accident, single speed ticket, single DUI conviction and lapse in coverage .

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