Cheapest car insurance in Nevada 2021

Drivers in Nevada may pay more for the best cheap car insurance in Las Vegas due to the high amount of traffic, both local and transient. More than 2.1 million licensed drivers travel about 27.5 billion miles each year, but Nevada is still one of the least densely populated states in the entire country.

a close up of a rock mountain: Purple twilight in Nevada desert

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Purple twilight in Nevada desert

There’s much to consider when searching for the cheapest auto insurance in Nevada, no matter where you live. We regularly survey the best car insurance companies to find the cheapest Nevada providers, comparing critical factors like policy offerings, pricing, availability, customer satisfaction and financial stability. Based on these qualifiers, these are the best picks when shopping for the cheapest car insurance in Nevada.


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The cheapest car insurance in Nevada

The average cost of car insurance in Nevada is $709 per year for a minimum coverage policy and $2,058 for full coverage. The cheapest companies in Nevada offer auto insurance that can save you a few hundred dollars, depending on which provider you choose.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $365 $1,070
Progressive $445 $1,372
State Farm $506 $1,559
USAA $528 $1,560
Nationwide $543 $1,597


Geico provides the cheapest car insurance in Nevada, averaging just $365 per year for a minimum coverage policy and $1,070 for a full coverage policy. Nevada car insurance coverage options classic car insurance, which is especially popular amongst Vegas collectors, as well as ATV insurance, RV insurance and rideshare insurance.

Personal injury protection (PIP) coverage comes standard with the added option for emergency roadside assistance, rental car insurance and mechanical breakdown insurance. There are so many group discounts, there’s a search tool on the site to help filter your school, employer or organization with special public service and military discounts. There are also discounts for 50-year-old drivers and older, in addition to the standard safety and vehicle discounts.


Drivers save an average of $750 when they switch to Progressive for car insurance. There are all the standard protections available, with the additional options for gap insurance, custom parts and equipment value and a deductible savings bank.

There are other ways to save with discounts for continuous insurance and paid-in-full policies with discounts for teen driver insurance and college students. To save even more money, you can take advantage of Progressive’s Snapshot tool, which will reward you with extra savings on your car insurance when you drive safely.

State Farm

In addition to standard collision and comprehensive coverage, State Farm is also a great pick for unique types of car insurance, like sports car insurance, antique car insurance and commercial auto insurance if you own your own business.

You can save up to 30% with its Drive Safe and Save and Steer Clear programs. There are also multi-policy discounts when you bundle your car insurance with homeowners insurance, renters insurance, condo insurance or life insurance. The mobile tools help you to manage your policy and handle claims on the go.


Long known for excellent customer service, USAA is one of the best providers for military and veteran insurance for customer satisfaction and financial reliability. Members can choose from optional protections, like roadside assistance, rental reimbursement and PIP coverage with their standard auto policy.

USAA also provides some of the cheapest car insurance in Nevada with military-oriented discounts like annual mileage, vehicle storage and military installation discounts. USAA reports its members save an average of $707 on their annual premiums when they switch to USAA for car insurance.


Nationwide includes personal injury protection with its standard protections, offering add-on rental and towing and labor coverage. There are exclusive programs, too, like accident forgiveness, vanishing deductible and gap insurance programs designed to protect your family and lower your premiums.

There are exclusive discounts, too, like SmartMiles, which is based on how much you drive, and SmartRide, which rewards drivers with eco-friendly vehicles. Policyholders also receive a free On Your Side review each year to ensure that you’re not paying yesterday’s premiums for today’s needs.

Affordable coverage for Nevada drivers

Nevada drivers are required to maintain a minimum amount of liability car insurance that includes the following:

  • Bodily injury per person $25,000
  • Bodily injury per accident $50,000
  • Property damage $20,000

While all drivers should purchase the minimum amount of insurance required by law, it’s always beneficial to consider additional coverage so you are fully protected if you experience a future accident or loss.

How to get cheap car insurance in Nevada

There are some ways to ensure that you receive the best cheap car insurance in Nevada for you:

    Shop around: What is the cheapest car insurance company in Nevada for one person could be completely different for you. Explore multiple providers to see what kind of options are available for your car insurance coverage, taking into account add-on protections you may need like gap insurance or roadside assistance.

  • Take advantage of discounts: In addition to having some of the cheapest car insurance in Nevada, you stand to save even more on those monthly premiums when you take advantage of additional discounts like student, safety or senior discounts. Many companies, like Progressive, will also reward you for safe driving habits or when you bundle multiple policies for car insurance.
  • Work on your credit score: Your credit score is a key indicator to car insurance companies that shows how much of a risk it will be to ensure you. While it’s still possible to find car insurance for drivers with bad credit, it’s always a good idea to make timely payments and maintain a great credit score so you can earn a better rate on your car insurance.
  • Increase your deductible: One way to lower the amount of money that you pay each month is to increase your deductible. This means that you will have to pay more out of pocket before your insurance coverage kicks in after a loss, but you will pay a lower total each month for your insurance premium.

Frequently asked questions

What is the best car insurance in Nevada?

The best car insurance companies in Nevada for 2021 include The Hartford, State Farm, Allstate, American Family and Safeco. However, the best car insurance in Nevada for you will ultimately depend on factors like where you live, the car you drive, your claims history and your credit score.

What is the average cost of car insurance in the U.S.?

The average cost of car insurance in the U.S. is $563 per year for minimum coverage, while a full coverage policy averages $1,738 per year. Nevada is more expensive than the national average, costing $709 for minimum coverage and $2,058 for a full coverage policy.

Is car insurance required in Nevada?

Regardless of who you choose for the cheapest car insurance in Nevada, all Nevada drivers are required to maintain minimum liability coverage of $25,000 in bodily injury per person, $50,000 in bodily injury per accident and $25,000 in property damage.


Bankrate utilizes Quadrant Information Services to analyze 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 cleaning driving record, good credit and the following full 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

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