How Much Is Nevada Car Insurance?

Ever wonder how much drivers in Nevada pay for car insurance? Check out the average price that most people pay and see if you can find a cheaper rate.

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Affordable Car Insurance in Nevada

Home to stunningly scenic desert landscapes, Lake Tahoe, the Hoover Dam, and of course the amazing city of Las Vegas, with all its casinos, resorts, and world-class dining, Nevada has it all. However, that includes having some of the highest auto insurance rates anywhere in the country, especially if you have a poor driving record.

Buying insurance can be a complicated process, and it’s often difficult to separate the marketing hype from the important details. That’s where we come in. SmartFinancial delivers carrier-neutral car insurance information to help you find the right coverage at the best price.

Cheapest Auto Insurance Rates in Nevada

Carriers look at multiple variables when determining your insurance rate. Your age, location, driving history, and state requirements are all factors in determining the price you pay. We used our in-house reporting to determine the companies that offer the cheapest car insurance rates in Nevada. Kemper Auto Premium came in with the lowest rate currently available in Nevada at $126.83 per month. Followed by Country at $133.38 per month and Capital Insurance Group at $134.41 per month.

Lowest Rate

Kemper Auto Premium

Highest Rate

Bristol West

Average Rate


RankCompanyAvg monthly rate
1 Kemper Auto Premium $126.83 / month
2 Country $133.38 / month
3 Capital Insurance Group $134.41 / month
4 State Farm $139.69 / month
5 USAA $150.40 / month
6 Travelers $169.24 / month
7 Mercury Insurance $200.42 / month
8 Allied $223.96 / month
9 Mercury $226.55 / month
10 Nationwide $227.00 / month
11 Metropolitan $252.86 / month
12 Allstate $259.53 / month
13 American Family $301.53 / month
14 Liberty Mutual $350.08 / month
15 CSAA $353.38 / month
16 Farmers $355.76 / month
17 Dairyland $409.04 / month
18 Encompass $437.62 / month
19 Bristol West $590.23 / month

Top 10 Cheapest Cities for Car Insurance

If you are lucky enough to live in one of these cities you are likely paying some of the lowest car insurance rates available in Nevada. According to our data, Ely comes in at the cheapest at only $96.51 per month. Other cities that made the top 10 list include Yerington at $97.31 per month, Carson City at $101.74 per month, and Silver Springs at $104.63 per month.

RankCityAvg monthly rate
1 Ely, NV$96.51 / month
2 Yerington, NV$97.31 / month
3 Carson City , NV$101.74 / month
4 Silver Springs, NV$104.63 / month
5 Fallon, NV$105.35 / month
6 Gardnerville, NV$105.67 / month
7 Fernley, NV$107.56 / month
8 Elko, NV$107.99 / month
9 Winnemucca, NV$108.00 / month
10 Dayton, NV$111.06 / month

Top 10 Most Expensive Cities for Car Insurance

These top 10 cities ranked as the most expensive places in Nevada for car insurance. Location is a big factor when determining the price you pay for car insurance and these cities came in at the top. N Las Vegas is the most expensive city in Nevada at $385.73 per month. Second and third place goes to North Las Vegas at $226.68 per month and Las Vegas at $212.69 per month.

RankCityAvg monthly rate
1 N Las Vegas , NV $385.73 / month
2 North Las Vegas , NV $226.68 / month
3 Las Vegas , NV $212.69 / month
4 Henderson , NV $187.28 / month
5 Boulder City , NV $145.94 / month
6 Pahrump , NV $141.89 / month
7 Sparks , NV $128.25 / month
8 Jean , NV $126.94 / month
9 Reno , NV $123.45 / month
10 Sun Valley , NV $120.60 / month

Average Quotes by Top Companies

Rates can vary wildly from company to company. Here is a quick look at a few rates from some of the top car insurance companies in Nevada.

Compare Recent Car Insurance Quotes in Nevada

SmartFinancial helps thousands of drivers every day find and compare the best car insurance rates available. Here is a list of some recent quotes that we recently found for drivers in Nevada.

CompanyMonthly rateVehicle
Infinity $1302012 Lexus IS
Dairyland $1222009 Honda Accord
Infinity $1602024 Toyota Tundra
ClearCover $1802024 Toyota Tundra
Dairyland $1662024 Toyota Tundra
Safeco $1042006 Chevrolet Equinox
Infinity $1042006 Chevrolet Equinox
General $1532006 Chevrolet Equinox
General $1322017 Dodge Charger
Safeco $1262015 Kia Optima
Infinity $1972018 Toyota Tundra
Foremost Auto $1522013 Volkswagen Passat


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Minimum Car Insurance Coverage in Nevada

Every state requires drivers to have a minimum amount of liability coverage. Nevada drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.


Bodily injury coverage per person

The minimum coverage amount for serious or permanent injury or death to a single person


Bodily injury coverage per accident

The minimum requirement to cover two or more persons hurt or killed in an accident


Property damage per accident

Coverage for all damaged property in an accident caused by you

Nevada requires motorists to carry a minimum of $15,000 for bodily injury or death of one person and $30,000 for bodily injury or death of two or more persons in any one accident. Drivers must also carry $10,000 to cover property damage of others in any one accident.

Nevada may require a lower level of coverage than some other states, but it’s risky to only opt for the minimum required by law. Not only does more insurance mean greater financial protection, but most lenders require full coverage and/or a variety of optional coverages before providing financing. Consider this when calculating the cost of your car loan.

Optional Coverage in Nevada

  • Auto Loan/Lease (or "gap")
  • Comprehensive
  • Collision
  • Uninsured and Underinsured Motorist
  • Medical Payments
  • Rental Reimbursement
  • Towing and Labor

Adding optional coverages to your auto insurance policy can provide additional financial protection and peace of mind. Some exclusions will apply.

Nevada Car Safety

Driving safely in Nevada requires an awareness of changing weather conditions. Rain, winter hazards, and high winds all pose unique challenges. Additionally, it’s important that you remain focused on the road at all times; distracted driving is a leading cause of traffic crashes in Nevada. That’s one key reason the state passed legislation making it illegal to talk or text on a handheld phone while driving.

Below are some important state driving safety statistics. Visit the Nevada Department of Public Safety’s Office of Traffic Safety for more about this topic.

Car Safety for Nevada Kids

Children younger than 6 years and weighing less than 60 lbs. must ride in an approved child safety restraint system. Children over 6 years must wear a safety belt at all times, and children of all ages are generally safest riding in the back seat of the vehicle and away from areas of airbag deployment.

Failure to properly restrain child passengers can result in fines, community service, and suspension of your driver’s license. Please check manufacturer recommendations regarding weight and height restrictions when selecting a car seat, booster seat, or other child restraint system.

It’s illegal in Nevada for any minor to ride in the back of an open pickup truck or flatbed unless for the purpose of parades, farming, or ranching.

It’s never safe to leave a young child (or pet) in an unattended vehicle. Even on moderate days, the interior temperature of a parked car can increase as much as 30 degrees in as many minutes. In Nevada, leaving a child younger than 7 in a vehicle without proper supervision is a misdemeanor offense.

Nevada also considers leaving a child in any situation where mental or physical harm may take place to be child endangerment. This may apply to leaving a kid unattended in a vehicle.


Number of traffic accident fatalities for the year 2015


Crashes caused by distracted drivers each year


Percent of alcohol-related traffic fatalities in Nevada

Driving Green in Nevada

Making the switch to an eco-friendly car benefits the environment and your wallet. In addition to insurance savings and federal tax credits and discounts, Nevada offers motorists a variety of incentives to do their share to help protect the environment. Some of these incentives are listed below.


Alternative Fuel (AFV) and Hybrid Electric (HEV) Vehicle Emissions Exemption

In Nevada, certain environmentally friendly vehicles qualify for exemption from smog and emissions testing. These include alternative fuel vehicles and new hybrid electric vehicles (for 5 years). Some diesel vehicles are also exempt. Please refer to Nevada’s Emissions Control Program website for more information.


Alternative Fuel Vehicle (AFV) Parking Fee Exemption

Owners of alternative fuel vehicles can park in metered parking spaces for free in Nevada. Each municipality is required by law to establish a program allowing free parking for AFV drivers who place an official AFV decal on their vehicle.


Hybrid Electric Vehicle (HEV) Taxicab Restriction Exemption

Hybrid electric vehicles used as taxis can exceed by 24 months the normal limit on how long a cab can remain in operation. The total amount of time allowed differs for new and used vehicles. Please refer to Nevada Revised Statutes 706.8834 for more information.

Nevada Car Insurance FAQ

Is my credit score a factor when obtaining car insurance in Nevada?

Most, but not all, auto insurance companies in Nevada use your credit score as one criterion when calculating your eligibility and premium. For those that do, a high or low credit score can significantly reduce or increase your rates, respectively. Diligent comparison shopping is the most effective way to counteract the effects of a low score or maximize the money-saving benefits of a high score.

Does Nevada offer a good-driver discount?

Good-driver and other car insurance discounts itemized below can help you save big on your monthly insurance premium. Eligibility for these discounts should be a major factor when selecting your carrier.

  • Multiple Car
  • Accident-Free
  • Good student
  • Military
  • Anti-Theft Device
  • Anti-Lock Brakes
  • Homeowner
  • Motor Vehicle Safety Course
  • Airbag
  • Farm Use
  • Mature Driver

Does Nevada allow the use of digital insurance cards?

Yes! As of late 2015, Nevada drivers are permitted to provide digital proof of coverage. Smartphones and other mobile devices are a convenient way to carry proof of insurance. And, if you’re worried about your privacy, the same state legislation that approves digital insurance cards also prohibits law enforcement officers from looking at anything else on your device.

What happens if my coverage lapses?

If you experience a lapse in coverage in Nevada, your driver’s license and registration can be suspended. You may also be subject to fines as high as $1,000. The Nevada LIVE system checks your insurance status periodically throughout the year, which means you’re certain to get caught if you drive without insurance.

What are Nevada’s blood alcohol concentration (BAC) percentage limits under the state's driving under the influence (DUI) laws?

Individuals cannot legally operate a motor vehicle in Nevada once they reach the following BAC percentages:

.08%+ at 21 years old or older
.04%+ for commercial vehicle drivers
.02%+ at under 21 years old

While the BAC applies only to alcohol, if a detectable level of any illegal substance is found, you’ll receive the same or greater penalties as you would for alcohol.

What are the chemical test refusal penalties in Nevada?

Nevada’s “implied consent” law states that if you’re lawfully arrested and there’s probable cause that you’ve been driving under the influence, you consent to a chemical test of your blood, breath, or urine. Officers are allowed to use reasonable force to make you take the test.

Refusal of a preliminary breath test, even before the arrest, can result in an officer taking your license, arresting you, and transporting you to a police station or hospital for a blood, breath, or urine test.

What are the consequences of being convicted of a DUI?

First-time offenders charged with a DUI in Nevada typically have their license suspended for 90 days and incur a number of fees that can top $200 or go considerably higher depending on certain factors, including whether they are of legal drinking age and whether their BAC was 0.18 or greater. They may apply for a restricted license after 45 days.

With a BAC of 0.18 or more, or at the court’s discretion, first-time offenders may need to have a breath interlock device installed in their vehicle for up to 3 years as well. Additionally, they must attend a Nevada DUI school and may face a short jail sentence or have to fulfill community service requirements. They may also need to attend certain programs or evaluations.

Penalties increase with each subsequent DUI offense.

Does Nevada offer driver improvement courses to reduce my insurance premium?

Driver improvement courses are often referred to as traffic school or defensive driving courses. These classes can be taken as part of a plea agreement, to reduce the number of points on your license, or to reduce your monthly car insurance cost. Nevada traffic school courses are available at select locations, as well through online providers.

Is there any way I can reduce the cost of my Nevada car insurance?

Proactive Nevada drivers can take certain steps to pay less each month for auto insurance. Monitoring your credit score and working to maintain a high one or raise it is a useful strategy. So is driving responsibly to keep your driving record clear of points that increase your cost of coverage. Also, comparison shop for the best rates and select a higher deductible in exchange for a lower premium. Ask your representative about discounts for which you may qualify. Don’t become liable for penalties due to lapsed coverage, either.

What is uninsured motorist coverage and is it required in Nevada?

Nevada allows drivers to reject uninsured motorist coverage in writing. However, the state recommends you carry a minimum of $15,000 per person/$30,000 per accident to cover your medical expenses if you’re involved in an accident with an uninsured driver.

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