Cheapest Car Insurance Quotes in Nevada (2026)
Travelers has the cheapest car insurance in Nevada, at $206 per month for a full coverage policy. Shop for quotes from top Nevada insurance companies and start saving in minutes.
Travelers has the cheapest car insurance in Nevada, at $206 per month for full coverage. Shop for quotes from top Nevada insurance companies and start saving in minutes.
Find Cheap Car Insurance Quotes in Nevada
Save money on Nevada car insurance
If you haven’t shopped for car insurance quotes in a while, you’re not alone.
But comparing rates can take minutes and could save you more than $1,500 per year in Nevada.
Find InsurersCheapest car insurance in Nevada: Travelers
Nevada drivers can typically save the most money on full coverage car insurance by comparing quotes from Travelers, State Farm and USAA.
- Travelers has the cheapest quotes for most people in Nevada, at an average of $206 per month. However, Travelers’ customer service reviews aren’t very good.
- State Farm is the best choice for most Nevada drivers, as it offers the best mix of affordable rates and reliable customer service. State Farm is $80 per month more than Travelers, but it may be worth it to pay extra for State Farm’s better customer service if you can afford it.
- USAA has the cheapest rates overall, at just $149 per month. However, only military members, veterans and some of their family members can buy car insurance from USAA.
Find Cheap Car Insurance Quotes in Nevada
Which companies offer the biggest savings on full coverage car insurance in Nevada?
Company | Monthly rate | % from state avg. |
|---|---|---|
| Travelers | $206 | 39% savings |
| State Farm | $286 | 15% savings |
| Geico | $291 | 13% savings |
| Progressive | $302 | 10% savings |
| USAA* | $149 | 56% savings |
USAA* is only available to current and former military members and their families.
Think you're paying too much for car insurance? You're probably not alone, as car insurance rates across Nevada jumped 56% between 2021 and 2026.
But you can still save by choosing the right company. Although Travelers has some of the cheapest rates in Nevada, State Farm's rates have been more stable. Travelers raised rates by 53% over the last five years, while State Farm increased rate by 40%. And Geico nearly doubled rates, up by 96%, over that same time period.
This shows how important it is for Nevada drivers to shop around for car insurance every year. The company that offers you the cheapest rates today may not be the most affordable option when your policy renews a year from now.
| Data-powered research on NV car insurance |
|---|
Cheapest liability insurance in Nevada: Travelers
Travelers offers the best savings on liability-only car insurance in Nevada.
At $90 per month, choosing Travelers could save you 45% compared to the state average.
USAA has even cheaper rates for military members, veterans and their family members. A minimum liability policy from USAA costs $63 per month. But most civilians can't get USAA car insurance.
Which companies offer the biggest savings on liability-only car insurance in Nevada?
Company | Monthly rate | % from state avg. |
|---|---|---|
| Travelers | $90 | 45% savings |
| Geico | $103 | 37% savings |
| Progressive | $113 | 31% savings |
| State Farm | $131 | 20% savings |
| USAA* | $63 | 62% savings |
USAA* is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Nevada
Low-cost auto insurance in Nevada for teens: Geico
Geico has the cheapest quotes for young drivers in Nevada.
Minimum liability insurance from Geico costs $245 per month for an 18-year-old driver. That's a 56% savings compared to the Nevada state average.
Geico also has the cheapest full coverage rates for teens. A full coverage policy costs $563 per month, so choosing Geico could save teens 45% compared to the state average.
Which companies offer the biggest savings on NV car insurance for teens?
Liability-only coverage
Full coverage
Company | Liability only | % from state avg. |
|---|---|---|
| Geico | $245 | 56% savings |
| Travelers | $283 | 49% savings |
| Progressive | $408 | 26% savings |
| Mendota | $414 | 25% savings |
| State Farm | $450 | 19% savings |
| USAA* | $175 | 68% savings |
USAA* is only available to current and former military members and their families.
Teen drivers in Nevada pay around three and a half times more for car insurance than 30-year-old drivers.
Car insurance savings hacks for Nevada teens
Cheapest NV auto insurance with a ticket: Travelers
Travelers has the best car insurance rates for Nevada drivers with a recent speeding ticket. At $258 per month for full coverage, Travelers could save you 36% after a ticket compared to the state average.
Which companies offer the biggest savings on car insurance in NV after a ticket?
Company | Monthly rate | % from state avg. |
|---|---|---|
| Travelers | $258 | 36% savings |
| State Farm | $312 | 23% savings |
| Key Insurance | $370 | 9% savings |
| Progressive | $393 | 3% savings |
| USAA* | $185 | 54% savings |
USAA* is only available to current and former military members and their families.
In Nevada, one speeding ticket will increase your insurance rates by an average of 21%. That's about $70 more per month for a full coverage policy.
Cheap auto insurance in NV after an accident: State Farm
State Farm has the cheapest quotes in Nevada after an at-fault car accident. A full coverage policy from State Farm costs around $286 per month after an accident. That's a 4% savings compared to the Nevada state average.
Travelers also offers very affordable car insurance after an accident, at $289 per month. However, Travelers' customer service isn't great. State Farm has much better customer reviews, which makes it a better choice for most people.
Which companies offer the biggest savings on auto insurance in Nevada after an accident?
Company | Monthly rate | % from state avg. |
|---|---|---|
| State Farm | $286 | 40% savings |
| Travelers | $289 | 39% savings |
| Key Insurance | $421 | 11% savings |
| Progressive | $471 | 1% savings |
| USAA* | $212 | 55% savings |
USAA* is only available to current and former military members and their families.
Nevada drivers with an accident on their records pay an average of $475 per month for full coverage. That's $140 per month more than drivers with clean records pay for the same coverage.
Don't rush to switch car insurance companies right after an accident. Your insurance rates won't go up until your current policy renews.
Once you get your renewal paperwork with your new rates, you should compare quotes from multiple companies. It's the best way to find the cheapest insurance after your accident.
Best in NV for teens after a ticket or an accident: Geico
Geico has the cheapest rates for Nevada teens with a speeding ticket or at-fault accident on their records.
A minimum liability policy from Geico costs $344 per month for an 18-year-old driver after one speeding ticket. That's a 46% savings compared to the Nevada state average.
Geico charges teens with an accident around $411 per month for minimum liability coverage. So choosing Geico could save you 44% after an accident compared to the state average.
Which companies offer the biggest savings on car insurance for NV teens with a ticket or accident?
Speeding ticket
Accident
Company | Ticket | % from state avg. |
|---|---|---|
| Geico | $344 | 46% savings |
| Travelers | $360 | 43% savings |
| Mendota | $411 | 35% savings |
| Progressive | $438 | 31% savings |
| State Farm | $500 | 21% savings |
| USAA* | $252 | 60% savings |
USAA* is only available to current and former military members and their families.
Young drivers in Nevada already pay expensive rates for auto insurance. But an accident will still cause liability-only quotes to go up by 32%, on average. That's a difference of $176 per month.
Insurance quotes for an 18-year-old driver with a speeding ticket are about $78 per month more expensive than rates for a driver with a clean record in Nevada.
Affordable car insurance in Nevada after a DUI: Travelers and USAA
Travelers and USAA have the best rates for Nevada drivers with a recent DUI. Both companies charge around $301 per month for full coverage after a DUI. That's a 41% savings compared to the Nevada average. However, only military members, veterans and some of their family members can get insurance from USAA.
Which companies offer the biggest savings on car insurance in Nevada after a DUI?
Company | Monthly rate | % from state avg. |
|---|---|---|
| Travelers | $301 | 41% savings |
| Progressive | $431 | 16% savings |
| Key Insurance | $458 | 11% savings |
| Mendota | $487 | 5% savings |
| USAA* | $301 | 41% savings |
USAA* is only available to current and former military members and their families.
One DUI raises full coverage insurance quotes in Nevada by $179 per month, on average.
Tips for saving on car insurance after a DUI in Nevada
- Change how you pay your bill. Many companies offer discounts for paying your annual bill upfront, signing up for automatic payments or bundling your auto and home insurance.
- Get rid of coverage you don't need. For example, comprehensive and collision coverage, which protects your vehicle, may not be worth it if your car is more than eight years old or worth less than $5,000.
- Raise your deductible. If you have a loan or lease and are required to have comprehensive and collision coverage, you can save money by raising your deductible. Just make sure you choose a deductible you can easily pay after a crash.
- Sign up for a safe driving program. Many companies offer large discounts if you allow them to track your driving and you display safe habits, like staying within the speed limit.
Cheap insurance in Nevada for drivers with poor credit: Travelers
Travelers has the cheapest auto insurance in Nevada for drivers with low credit scores. At $336 per month for full coverage, choosing Travelers could save you 42% compared to the state average.
Company | Monthly rate | % from state avg. |
|---|---|---|
| Travelers | $336 | 42% savings |
| Key Insurance | $370 | 36% savings |
| Mendota | $442 | 23% savings |
| Geico | $454 | 21% savings |
| Progressive | $496 | 14% savings |
| USAA* | $262 | 54% savings |
USAA* is only available to current and former military members and their families.
Nevada drivers with poor credit pay $240 per month more for full coverage than those with good credit.
Your credit score doesn't have anything to do with your driving ability. But, as in most states, a low credit score can negatively impact your car insurance quotes in Nevada.
That's because insurance companies believe drivers with poor credit are more likely to file claims in the future.
Best car insurance in Nevada
USAA has the best-rated auto insurance in Nevada.
USAA consistently earns very high scores on J.D. Power's customer satisfaction survey. It also offers some of the cheapest rates in Nevada. But since the company only offers insurance to active military members, veterans and their families, not everyone can buy a policy.
State Farm is an excellent option for drivers who can't get insurance from USAA. It earned a high score from J.D. Power and gets fewer customer complaints than an average company its size. And, while State Farm isn't usually the cheapest option, its rates are typically cheaper than average.
Top Nevada car insurance companies
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 4.5 out of 5 | 735 | A++ |
| State Farm | 4.5 out of 5 | 650 | A++ |
| AAA | 3.5 out of 5 | 652 | A+ |
| Farmers | 3.5 out of 5 | 622 | A |
| Travelers | 3.5 out of 5 | 613 | A++ |
Car insurance savings in Nevada by city
Travelers offers the largest savings in 94% of cities and towns across Nevada, including Las Vegas and Reno.
State Farm is the cheapest company in many of the remaining towns, most of which are around the Nevada National Security and Test sites.
Winnemucca, a small city in northern Nevada, has the cheapest car insurance quotes in the state. The average cost of car insurance in Winnemucca is $216 per month for a full coverage policy.
Sunrise Manor, a community near Nellis Air Force Base, has the most expensive quotes in Nevada. People living in Sunrise Manor pay around $492 per month for car insurance. That's likely due to the high property crime rates in the area.
Nevada auto insurance quotes by city
City | Avg. rate | Cheapest company | Avg. savings |
|---|---|---|---|
| Alamo | $258 | Travelers | -39% |
| Amargosa Valley | $286 | Travelers | -34% |
| Austin | $231 | Travelers | -29% |
| Baker | $239 | Travelers | -35% |
| Battle Mountain | $219 | Travelers | -38% |
| Beatty | $267 | State Farm | -26% |
| Blue Diamond | $372 | Key Insurance | -28% |
| Boulder City | $331 | Travelers | -38% |
| Bunkerville | $269 | Travelers | -43% |
| Cal-Nev-Ari | $285 | Travelers | -39% |
| Caliente | $266 | Travelers | -44% |
| Carlin | $228 | Travelers | -32% |
| Carson City | $234 | Travelers | -36% |
| Cold Springs | $264 | Travelers | -34% |
| Coyote Springs | $342 | State Farm | -35% |
| Crescent Valley | $232 | Travelers | -33% |
| Crystal Bay | $262 | Travelers | -36% |
| Dayton | $229 | Travelers | -35% |
| Deeth | $237 | Travelers | -33% |
| Denio | $232 | Travelers | -30% |
| Duckwater | $237 | Travelers | -35% |
| Dyer | $244 | Travelers | -36% |
| East Valley | $235 | Travelers | -33% |
| Elko | $233 | Travelers | -34% |
| Ely | $230 | Travelers | -34% |
| Empire | $244 | Travelers | -27% |
| Enterprise | $430 | Travelers | -41% |
| Eureka | $232 | Travelers | -32% |
| Fallon | $242 | State Farm | -26% |
| Fallon Station | $222 | Travelers | -39% |
| Fernley | $240 | Travelers | -37% |
| Fish Springs | $235 | Travelers | -33% |
| Gabbs | $234 | Travelers | -35% |
| Gardnerville | $236 | Travelers | -34% |
| Gardnerville Ranchos | $236 | Travelers | -34% |
| Genoa | $245 | Travelers | -35% |
| Gerlach | $238 | Travelers | -35% |
| Glenbrook | $266 | Travelers | -35% |
| Golconda | $223 | Travelers | -39% |
| Golden Valley | $266 | Travelers | -39% |
| Goldfield | $252 | Travelers | -39% |
| Hawthorne | $231 | Travelers | -33% |
| Henderson | $384 | Travelers | -38% |
| Hiko | $260 | Travelers | -41% |
| Imlay | $228 | Travelers | -40% |
| Incline Village | $264 | Travelers | -35% |
| Indian Hills | $238 | Travelers | -36% |
| Indian Springs | $323 | State Farm | -35% |
| Jackpot | $235 | Travelers | -35% |
| Jean | $345 | Travelers | -28% |
| Johnson Lane | $230 | Travelers | -34% |
| Kingsbury | $265 | Travelers | -37% |
| Lakeridge | $266 | Travelers | -35% |
| Lamoille | $232 | Travelers | -34% |
| Las Vegas | $448 | Travelers | -42% |
| Laughlin | $280 | Travelers | -37% |
| Lemmon Valley | $264 | Travelers | -39% |
| Logandale | $298 | Travelers | -44% |
| Lovelock | $224 | Travelers | -33% |
| Lund | $235 | Travelers | -32% |
| Luning | $238 | Travelers | -32% |
| Manhattan | $242 | Travelers | -34% |
| McDermitt | $231 | Travelers | -42% |
| McGill | $231 | Travelers | -33% |
| Mercury | $296 | State Farm | -36% |
| Mesquite | $278 | Travelers | -47% |
| Mina | $238 | Travelers | -36% |
| Minden | $230 | Travelers | -34% |
| Moapa | $302 | Travelers | -47% |
| Moapa Valley | $306 | Travelers | -46% |
| Mogul | $262 | Travelers | -40% |
| Montello | $231 | Travelers | -32% |
| Mountain City | $241 | Travelers | -37% |
| Nellis AFB | $459 | Travelers | -45% |
| Nixon | $249 | Travelers | -34% |
| North Las Vegas | $452 | Travelers | -45% |
| Orovada | $232 | Travelers | -41% |
| Overton | $308 | Travelers | -46% |
| Owyhee | $237 | Travelers | -35% |
| Pahrump | $331 | Travelers | -40% |
| Panaca | $261 | Travelers | -43% |
| Paradise | $452 | Travelers | -43% |
| Paradise Valley | $229 | Travelers | -40% |
| Pioche | $255 | Travelers | -39% |
| Reno | $268 | Travelers | -34% |
| Round Hill Village | $263 | Travelers | -38% |
| Round Mountain | $232 | State Farm | -29% |
| Ruby Valley | $235 | Travelers | -34% |
| Ruhenstroth | $236 | Travelers | -33% |
| Ruth | $232 | Travelers | -34% |
| Sandy Valley | $347 | Travelers | -29% |
| Schurz | $231 | Travelers | -38% |
| Searchlight | $286 | Travelers | -35% |
| Silver City | $237 | Travelers | -38% |
| Silver Springs | $235 | Travelers | -33% |
| Silverpeak | $243 | Travelers | -35% |
| Sloan | $392 | Travelers | -40% |
| Smith | $231 | Travelers | -34% |
| Spanish Springs | $262 | Travelers | -38% |
| Sparks | $268 | Travelers | -32% |
| Spring Creek | $229 | Travelers | -35% |
| Spring Valley | $455 | Travelers | -40% |
| Stagecoach | $234 | Travelers | -32% |
| Stateline | $265 | Travelers | -37% |
| Summerlin South | $412 | Travelers | -34% |
| Sun Valley | $269 | Travelers | -39% |
| Sunrise Manor | $492 | Travelers | -46% |
| Tonopah | $240 | Travelers | -38% |
| Topaz Ranch Estates | $233 | Travelers | -34% |
| Tuscarora | $236 | Travelers | -33% |
| Valmy | $231 | Travelers | -29% |
| Verdi | $265 | Travelers | -37% |
| Virginia City | $238 | Travelers | -30% |
| Wadsworth | $242 | Travelers | -34% |
| Washoe Valley | $246 | Travelers | -34% |
| Wellington | $230 | Travelers | -33% |
| Wells | $228 | Travelers | -30% |
| West Wendover | $229 | Travelers | -37% |
| Whitney | $457 | Travelers | -44% |
| Winchester | $485 | Travelers | -46% |
| Winnemucca | $216 | Travelers | -38% |
| Yerington | $225 | Travelers | -33% |
| Zephyr Cove | $263 | Travelers | -38% |
Full coverage auto insurance quotes in Nevada vary by up to $276 per month between the most and least expensive cities.
Rates are typically higher in large cities with heavy traffic, more accidents and higher crime rates. For example, car insurance in Las Vegas costs an average of $448 per month, which is more expensive than the Nevada average by $113 per month.
What is the Nevada minimum insurance requirement?
Nevada requires drivers to have minimum liability limits of 25/50/20. This coverage pays for the other driver's injuries and damage to their car or property.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage: $20,000 per accident
Is Nevada a no-fault state?
Nevada is not a no-fault state for car insurance — as such, the person who causes an accident will be responsible for paying for the damage.
What's the best car insurance coverage for Nevada drivers?
Full coverage car insurance is the best choice for most drivers in Nevada.
That's because full coverage includes comprehensive and collision coverage along with liability insurance.
- Collision coverage pays for damage to your car in an accident, regardless of whose fault it is.
- Comprehensive coverage pays for damage from other events, such as a fallen tree branch or a hailstorm.
Full coverage is an especially good idea if your car is worth more than $5,000 or is fewer than eight years old. If you have a car loan or lease, your lender typically requires full coverage.
Full coverage car insurance in Nevada costs twice as much as minimum liability coverage. However, minimum coverage in Nevada only pays for the other driver's injuries and property damage — it doesn't include protection for damage to your own vehicle.
Frequently asked questions
What is the cheapest car insurance in Nevada?
Travelers has the cheapest car insurance in 2026 for Nevada drivers. You'll pay an average of $206 per month for a full coverage policy and $90 per month for minimum liability insurance. That's 39% and 45% cheaper than the Nevada state average, respectively.
How much is car insurance in Nevada per month?
The average cost of car insurance in Nevada is $335 per month for a full coverage policy. That's $127 per month more than the national average, which makes Nevada the most expensive state for full coverage insurance. This may be in part because Nevada has very high auto theft rates compared to the national average, according to the FBI.
Why are Nevada insurance rates so high?
Nevada is the most expensive state for both full coverage and minimum liability car insurance. The state's large amount of car thefts plus high number of drivers on the road, especially in cities like Las Vegas and Reno, are just a couple of reasons for the high rates in Nevada.
How much is car insurance in Las Vegas?
Car insurance in Las Vegas costs $448 per month for full coverage. That's 34% more than the Nevada average. Drivers living in North Las Vegas pay around $452 per month, while the suburb of Henderson is less expensive, at $384 per month.
How much is auto insurance in Reno, NV?
Reno auto insurance costs an average of $268 per month for a full coverage policy. That's $67 per month less than the statewide average and $180 per month less than the cost of car insurance in Las Vegas.
Methodology
To find the best auto insurance in Nevada, ValuePenguin collected thousands of quotes from ZIP codes across NV from the state's largest insurance companies. Rates are for a 30-year-old man with a 2018 Honda Civic EX, good credit and a clean driving record.
Quotes are for a full coverage policy with comprehensive and collision coverage along with higher liability limits than the state requirement to avoid penalties.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
Rate data was collected from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes will differ.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
