Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance in Nevada for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Nevada
According to proprietary data from Quadrant Information Services, the average cost of a full coverage car insurance policy in Nevada is $3,174 per year, with minimum coverage averaging $1,021. In addition to average premiums, Bankrate’s insurance editorial team reviewed customer satisfaction scores per the J.D. Power 2024 U.S. Auto Insurance Study, potential savings opportunities and more to help drivers find the best car insurance companies in the state. The top carriers based on our research include Geico, USAA, Progressive, State Farm and American Family.
|
|
|
|
---|---|---|---|
4.4
|
$1,412
|
$359
|
|
4.4
|
$2,096
|
$583
|
|
4.3
|
$3,968
|
$1,248
|
|
4.2
|
$2,191
|
$678
|
|
4.2
|
$2,428
|
$930
|
Geico
4.4
4.4
Avg. full coverage premium
$118/mo
Avg. full coverage premium
$1,412/yr
Customer satisfaction
618/1,000
-
Why Geico made our list: Geico offers Nevada drivers exceptionally low rates, with average full coverage premiums coming in at 56 percent less than the statewide average. The insurer provides not only some of the cheapest average rates but also an array of discounts to potentially decrease your costs further. For example, Geico's telematics program, DriveEasy, may lower your rate if you exhibit safe driving practices. Eligible government and military members may also save extra. These low rates, discount opportunities and strong digital tools helped the carrier tie for Best Car Insurance Company Overall in Bankrate's 2024 Awards.
Who Geico may be good for: If you’re looking for an inexpensive, fairly basic car insurance policy, Geico could be the company for you.
Progressive
4.4
4.4
Avg. full coverage premium
$175/mo
Avg. full coverage premium
$2,096/yr
Customer satisfaction
614/1,000
-
Why Progressive made our list: Progressive has some of the best digital tools of all the carriers we assessed. The company earned high enough marks in J.D. Power's 2024 Insurance Digital Experience study, ranking first in service and ninth in shopping, which is still above average. Its user-friendly tools like ‘Name Your Price’ allow even first-time buyers to easily find a policy based on their budget and coverage needs. Existing customers can handle policy adjustments and other tasks through Progressive's highly-rated online account management portal or mobile app.
State Farm
4.3
4.3
Avg. full coverage premium
$331/mo
Avg. full coverage premium
$3,968/yr
Customer satisfaction
646/1,000
-
Why State Farm made our list: State Farm is the largest car insurance company in the U.S. by market share and primarily operates through a wide network of neighborhood agents. Working with a local agent could have benefits, like enjoying personalized service. The company placed above average in the Southwest region per the J.D. Power 2024 U.S. Auto Insurance Study and tends to offer low average rates for many types of drivers, including those without clean driving records. In fact, it won the 2023 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers.
USAA
4.2
4.2
Avg. full coverage premium
$183/mo
Avg. full coverage premium
$2,191/yr
Customer satisfaction
733/1,000
-
Why USAA made our list: To purchase a USAA insurance policy, you must be active-duty military, a veteran or an eligible family member. Those who qualify could potentially enjoy unique military-focused benefits. For instance, policyholders who garage their cars on a military installation might pay less for comprehensive coverage. Additionally, if you are deployed and put your vehicle into storage, you could save up to 60 percent. If you’re looking for ways to spend less on everyday products and services, the USAA Perks program may also be of interest. Here, policyholders can find exclusive discounts on rental cars, meal subscription plans, vehicle repair, home security systems and more.
American Family
4.2
4.2
Avg. full coverage premium
$202/mo
Avg. full coverage premium
$2,428/yr
Customer satisfaction
656/1,000
-
Why American Family made our list: While not the cheapest for car insurance alone, American Family offers compelling savings when you bundle home and auto policies. Their bundling discount may reduce premiums by up to 23 percent on both policies, helping offset somewhat high average auto rates. For shoppers who value service, AmFam ranked second in customer satisfaction in J.D. Power's 2023 Auto Insurance Study for the Southwest region. For Nevada residents wanting quality coverage and service for home and auto insurance together, American Family may be an excellent option worth exploring.
How Bankrate chose the best car insurance companies in Nevada
Bankrate’s insurance editorial team has hands-on experience helping drivers find coverage that best suits their needs. To find the best car insurance in Nevada, we started by analyzing premium data sourced from Quadrant Information Services. However, we understand that the cheapest car insurance company isn’t always the best.
Keeping affordability in mind, we also reviewed other factors such as coverage options, digital tool availability, corporate sustainability and more. We distilled this information into a Bankrate Score, ranging from 0.0 to 5.0. The higher a company’s Bankrate Score, the better it fared in our holistic evaluation. We created this proprietary scoring method to give our readers a simple way to size up carriers as they shop for new insurance.
Why you can trust Bankrate
Read our full methodologyTo help Nevada drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Nevada
Taking some time to understand what you need most from your car insurance company could guide your search for the best auto insurance in Nevada. Here are some tips that may prove useful when comparing quotes.
Related content:
Ready for your quote?
Answer a few questions to see personalized rates from top carriers in Nevada
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Nevada?
The average cost of car insurance in Nevada is much higher than many other states. A full coverage auto policy in Nevada costs an average of $3,174 annually; minimum coverage is $1,021. In comparison, the national averages are $2,388 and $664, respectively. Nevada's average premiums are also much higher than those of its neighbors. In California, full coverage averages $2,810 per year, and Arizona's average annual rate is even lower at $2,737.
Nevada car insurance could be more expensive than average due to the state’s high rate of accidents involving drugs and alcohol. In 2021, nearly 60 percent of all car accident fatalities involved a driver under the influence.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Hawthorne | $2,133 | -39% |
Orovada | $2,140 | -39% |
Reno | $2,440 | -26% |
Caliente | $2,307 | -32% |
Carson City | $2,198 | -36% |
Wells | $2,120 | -40% |
Montello | $2,144 | -39% |
North Las Vegas | $3,677 | +15% |
Henderson | $3,228 | +2% |
Las Vegas | $3,773 | +17% |
Ruby Valley | $2,178 | -37% |
Duckwater | $2,173 | -37% |
Empire | $2,249 | -34% |
Fernley | $2,158 | -38% |
Sun Valley | $2,482 | -24% |
Wadsworth | $2,255 | -34% |
Incline Village | $2,459 | -25% |
Eureka | $2,147 | -39% |
Crystal Bay | $2,420 | -27% |
Gardnerville | $2,138 | -39% |
Golconda | $2,107 | -40% |
Schurz | $2,134 | -39% |
Sparks | $2,411 | -27% |
Lund | $2,156 | -38% |
Fallon | $2,055 | -43% |
Elko | $2,150 | -38% |
Alamo | $2,294 | -32% |
Beatty | $2,271 | -33% |
Ruth | $2,163 | -38% |
Glenbrook | $2,336 | -30% |
Lovelock | $2,082 | -42% |
Mina | $2,187 | -37% |
Wellington | $2,134 | -39% |
Yerington | $2,101 | -41% |
Gerlach | $2,225 | -35% |
Logandale | $2,509 | -23% |
Manhattan | $2,202 | -36% |
Mercury | $2,414 | -27% |
Mesquite | $2,460 | -25% |
Round Mountain | $2,132 | -39% |
Pahrump | $2,730 | -15% |
Indian Springs | $2,837 | -11% |
Overton | $2,558 | -22% |
Coyote Springs | $2,800 | -13% |
West Wendover | $2,113 | -40% |
Hiko | $2,276 | -33% |
Laughlin | $2,405 | -28% |
Pioche | $2,261 | -34% |
Moapa | $2,540 | -22% |
Carlin | $2,123 | -40% |
Tonopah | $2,185 | -37% |
Boulder City | $2,614 | -19% |
Nellis Afb | $3,816 | +18% |
Denio | $2,111 | -40% |
Virginia City | $2,277 | -33% |
Washoe Valley | $2,355 | -30% |
Deeth | $2,172 | -37% |
Jackpot | $2,174 | -37% |
Mountain City | $2,195 | -36% |
Owyhee | $2,183 | -37% |
Tuscarora | $2,161 | -38% |
Spring Creek | $2,139 | -39% |
Crescent Valley | $2,141 | -39% |
Lamoille | $2,154 | -38% |
Ely | $2,137 | -39% |
Genoa | $2,274 | -33% |
Minden | $2,132 | -39% |
Paradise Valley | $2,116 | -40% |
Silver Springs | $2,185 | -37% |
Battle Mountain | $2,087 | -41% |
Baker | $2,160 | -38% |
Dayton | $2,146 | -39% |
Smith | $2,132 | -39% |
Winnemucca | $2,037 | -44% |
Zephyr Cove | $2,397 | -28% |
Mc Gill | $2,152 | -38% |
Luning | $2,179 | -37% |
Nixon | $2,286 | -33% |
Verdi | $2,409 | -27% |
Jean | $2,780 | -13% |
Sloan | $3,253 | +2% |
Searchlight | $2,493 | -24% |
Amargosa Valley | $2,371 | -29% |
Cal Nev Ari | $2,480 | -25% |
Bunkerville | $2,352 | -30% |
Dyer | $2,159 | -38% |
Goldfield | $2,217 | -36% |
Blue Diamond | $3,097 | -2% |
Austin | $2,119 | -40% |
Gabbs | $2,157 | -38% |
Valmy | $2,116 | -40% |
Imlay | $2,114 | -40% |
Silver City | $2,203 | -36% |
Stateline | $2,420 | -27% |
Panaca | $2,291 | -32% |
Silverpeak | $2,189 | -37% |
Estimate your car insurance cost in Nevada
If you’re looking for a more personalized cost estimate for your car insurance, try our free calculator. Answer five simple questions for a payment estimate in your state.
Calculate your monthly car insurance payment
Get a quick estimate to make sure you're not overpaying.
Your estimate awaits...
Answer a few questions to reveal your payment
The results are in...
Your estimated payment
Ready for real rates?
Crunching the numbers...
An error occurred...
We're unable to estimate your payment
Ready for real rates?
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.