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You can enjoy everything Nevada has to offer — from the lights of Las Vegas to the massive Hoover Dam — with the right car insurance. But which auto insurance companies really save you the most money and don’t skimp on coverage? Benzinga put them all to the test to find out which companies truly deliver.
Best Cheap Car Insurance in Nevada:
- AAA: Cheapest in Nevada
- Progressive: Best for Multiple Cars
- State Farm: Best Premium Car Insurance
- USAA: Best for Military Personnel
- Best Cheap Car Insurance in Nevada:
- Nevada Auto Insurance Laws
- How Much Does Car Insurance Cost in Nevada?
- Nevada Driving Laws
- Insurance Rates per Vehicle
- Nevada Car Insurance for Bad Credit
- NV Car Insurance for Good Drivers
- Insurance with Driving Infractions
- Best Car Insurance Providers in Nevada
- Choose the Right Car Insurance in Nevada
- Frequently Asked Questions
Nevada Auto Insurance Laws
It’s against the law to drive without car insurance in Nevada. That’s why minimums are set to ensure that you have some coverage in place.
The bodily injury part of an insurance policy surfaces when you’re at fault for an accident and the other party is injured. Here’s the minimum medical coverage paid to the other party if anyone needs help with medical care from injuries sustained as a result of your negligence:
- $25,000 per person: This is the total amount that would be paid toward the medical costs of each person in the other party if he or she is injured in an accident.
- $50,000 per accident: This is the total amount paid overall based on an accident that you cause.
Property Damage Liability
Property damage covers the other party’s vehicle in the event that you are found at fault for the accident. It does not cover your vehicle. That is covered under collision insurance.
- $20,000 per accident: This is the total paid to help restore the property damaged as a result of an accident you cause.
Uninsured/Undersinsured Motorist Bodily Injury
Uninsured or underinsured motorist coverage is an optional feature that can be added to your policy. It covers losses where another driver is at fault, but that driver either has no insurance or inadequate insurance coverage.
How Much Does Car Insurance Cost in Nevada?
Car insurers are concerned about one thing — risk. They have advanced formulas and calculations designed to help mitigate this risk. This is why it’s hard to say what the true cost of insurance is — premiums vary person by person and from provider to provider.
How to Lower Your Car Insurance
There are certain things you can do to lower your perceived risk level. Some factors are out of your control, but they may only affect your insurance rates by a few percentage points.
The factors you can change include:
- Your insurance credit score: You’ll elevate your credit score when you pay your bills on time, pay down credit cards or pay them off or take out a loan. Financial risk is a factor, since you tend to be a more careful driver when you pay your bills on time.
- Your driving record: You’ll pay less for insurance if you don’t have any driving infractions like citations for using your cell phone, not wearing your seatbelt or worse — drinking and driving or speeding. You’ll pay more for infractions on your record.
- The year make and model of the car you drive: The newer your car, the more it costs to insure. Smaller, sportier cars typically tend to cost more, but don’t think you’re safe if you drive a large van or SUV. You’ll likely pay more for insurance because of the property damage these vehicles can cause.
You can’t control certain other factors, which include:
- Your age: Statistics have shown that teenage drivers and senior citizens are higher risk on the road, so if you fall into one of these groups, your insurance will be a little bit higher.
- Your gender: Men generally pay an average of 4% more for their insurance than women.
Nevada Driving Laws
To help keep car insurance prices low, certain driving laws are in effect in Nevada to help drivers avoid distractions, stay safe in the event of an accident and punish them should they get behind the wheel while under the influence of drugs or alcohol.
Nevada drivers who text while driving or otherwise handle a cellphone are charged $50 for a first offense. It’s legal to use hands-free devices like voice-activated or Bluetooth technology to operate a cellphone and send text messages, navigate the web or navigate GPS.
Seat Belt Use
Nevada requires occupants of a motor vehicle, including in the front and back seats, to wear safety belts or an approved child restraint system. Children under 6 years or who weigh less than 60 pounds must be in an approved child safety seat appropriate for their size and weight.
Drinking and Driving Laws
DUI laws in Nevada prohibit motorists from operating a motor vehicle if they have a BAC (blood alcohol concentration) level of .08% or more within 2 hours of driving or while under the influence of drugs or alcohol. Underage drivers can be penalized for having a BAC of .02% or more.
Insurance Rates per Vehicle
You’re probably on the hunt for cheap car insurance as part of your criteria. But remember that you can take steps to lower how much you pay, including making sure you get all the insurance discounts you’re entitled to.
What Makes a Specific Car Expensive to Insure?
Normally, the sportier a car is and the more horsepower it has, the greater the temptation to speed and drive recklessly with it.
Foreign made cars can also be more expensive than their American-made counterparts because parts may need to be imported if something needs to be repaired.
Nevada Car Insurance for Bad Credit
One of the best ways to lower your auto insurance is to raise your credit score. Improving your credit won’t happen overnight, but taking steps to raise your credit score can also help in other areas — like getting a car loan.
Benzinga has carefully chosen the cheapest car insurance for different credit scores and what you could expect to pay for state minimum coverage.
|Credit Score||Cheapest Provider||Rate for State Minimum Coverage|
|Poor 300–579||Liberty Mutual||$2,140|
|Fair 580–669||State Farm||$1,813|
NV Car Insurance for Good Drivers
A good driving record without any infractions is a well-known way to save money on your car insurance.
Here are approximate rates for state minimums, standard coverage and full coverage from the top car insurance companies in Nevada.
|Insurance Agency||State Minimum Insurance||Standard Coverage||Full Coverage|
Insurance with Driving Infractions
The severity of driving infractions make a difference in how much you pay for insurance.
|Insurance Agency||At-Fault Accident||Speed Violation||DUI|
Best Car Insurance Providers in Nevada
Understand your needs and get estimates that are closer in line with your specific circumstances so you choose the best provider for you.
We’ve compared the best providers for car insurance in Nevada, and here’s who we recommend for different circumstances.
- Serves all states
- Mobile app
- Emergency roadside assistance
- Have to be an AAA member
- Policies not available in every area
1. Cheapest Car Insurance in Nevada: AAA
Known primarily for its travel benefits, AAA is also one of the largest car insurers in the world.
Not only does AAA offer some of the cheapest insurance in Nevada, it also has additional options worth considering if you want something more than just basic insurance.
You can also get emergency roadside insurance and the option to bundle home or life insurance with your plan.
- More welcoming to less-experienced drivers
- Great website and mobile app functionality
- Driving based discounts can be generous
- Relatively smaller agent network may leave some without a local agent
- Rates can increase at renewal based on driving data from Progressive’s Snapshot.
2. Car Insurance in Nevada For Multiple Cars: Progressive
You can save money if you have multiple cars under 1 policy with Progressive Insurance.
You can also enjoy discounts for going paperless, getting an online quote, completing a defensive driver course and have anti-theft deterrents installed in your car and much more.
3. Best Premium Car Insurance in Nevada: State Farm
We chose State Farm as the best premium car insurance in Nevada because of its willingness to work with you one-on-one to give you a competitive rate.
Some of that calculation is based on how often you drive their car.
Why pay full price for insurance on if you’re not driving your luxury car to and from work very often?
4. Best Car Insurance for Military Families: USAA
USAA promotes itself as an insurer for military families, but this is by no means the only market it serves.
- Complete line of insurance, banking, and investment services
- Easy online forms to quote and bind policies
- Top-rated customer satisfaction
- Very few physical locations
- Only available to select groups, generally tied to military service and the relatives of members
USAA is definitely worth a look if you are former or active military or you have a close relative (parent or spouse) who served, since its membership can also mean you are eligible to enroll.
Choose the Right Car Insurance in Nevada
It pays to shop around when you want to get a great rate on your car insurance. We’ve done the heavy lifting to find superior coverage at great prices.
The best way to get a rate that works for you is to get a quote from the companies we’ve featured here and let them know about your specific details so you can be sure you’re getting all the discounts you’re entitled to.
You may be surprised how much you can save. Everything from being a homeowner (or renter) to being a member of associations can net you savings.
Frequently Asked Questions
How do I ensure that I’m properly covered?
The best thing you can do is talk to your insurance carrier or agent and be honest about your car and driving history. If you have made any modifications to your vehicle, let your insurance company know so that you will be covered in the event of a loss. It’s a good idea to maintain more than the state minimum coverage — you want to replace your car for the full value if you have to.
What is usage-based auto insurance?
Usage-based insurance covers a broad range of situations ranging from devices that monitor driving habits and offer a discount based on safe driving to streamlined policies that provide coverage based on actual use. The former is still more common and many insurers now offer a smart device or mobile app that monitors speed, hard braking events, sudden swerves, miles driven, and the time of day you drive. By demonstrating safe driving habits, you can often earn a sizeable discount.
Does auto insurance cover business use?
In most cases, the business use of your vehicle is not covered by your auto insurance policy and can lead to denied claims. However, where you’re most likely risk losing coverage is when you are transporting products or passengers, which insurers define as livery. If your job requires traveling from point A to point B or C to visit customers, attend conferences, or perform other tasks, your personal auto insurance is likely to provide coverage. Get a customized quote now for the best deal.
*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.