Best and Cheapest Car Insurance in Nevada for 2024 (10 Most Affordable Companies)
USAA, Progressive, and Travelers have the best and cheapest car insurance Nevada.
The best and cheapest companies in Nevada all have affordable rates and great coverage variety. Take a look a the full list of the top ten cheapest Nevada companies below.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $29 | A++ | Military Benefits | USAA |
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#2 | $35 | A+ | Online Management | Progressive |
 |
#3 | $38 | A++ | IntelliDrive Program | Travelers |
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#4 | $43 | B | Personalized Policies | State Farm |
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#5 | $46 | A++ | Low Rates | Geico |
 |
#6 | $47 | A | Policy Options | Liberty Mutual |
 |
#7 | $48 | A | UBI Availability | Nationwide |
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#8 | $59 | A | Claims Service | American Family |
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#9 | $65 | A | Great Add-ons | Farmers |
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#10 | $69 | A+ | Customer Service | Allstate |
Our guide to the cheapest Nevada car insurance companies goes over each company in detail, as well as Nevada insurance requirements, discounts, and more. Ready to shop for cheap Nevada insurance? Enter your ZIP in our free tool to get affordable Nevada car insurance quotes.
What You Should Know
- USAA has the cheapest Nevada car insurance
- Progressive and Travelers are also affordable
- Auto insurance is a requirement in Nevada
On this page:
- Top Nevada Companies Rates and Discounts
- Cheapest Teen Car Insurance Rates in Nevada
- Cheapest Married Couple Car Insurance Rates in Nevada
- Cheapest Senior Car insurance Rates in Nevada
- 10 Cheapest Areas in Nevada for Car Insurance
- 10 Most Expensive Areas in Nevada for Car Insurance
- Nevada Minimum Car Insurance Coverage Requirements and Limits
- How Nevada Companies Calculate Rates
- How to Save Money on Nevada Car Insurance
- How Clearsurance Ranks Nevada Car Insurance Companies
- Finding the Best and Cheapest Car Insurance Coverage for You in Nevada
#1 – USAA: Top Pick Overall
Pros
- Military Benefits: USAA military and veteran members get benefits like cheap auto insurance rates, discounts on traveling, and more.
- Customer Reviews: USAA stands out for its high satisfaction ratings for services and claims. Find out more in our USAA review.
- Bundling Discount: Buy USAA home or renters insurance in Nevada to save on car coverage.
Cons
- Eligibility: Nevada residents can only prucahse USAA coverage if they are veterans or military.
- In-Person Assistance Limited: USAA has very few local agents.
#2 – Progressive: Best for Online Management
Pros
- Online Management: Manage Nevada auto insurance policies easily online.
- Snapshot UBI Program: Save up to 30% on your Nevada insurance policy.
- Multi-Vehicle Discount: Progressive discounts rates for multi-vehicle customers.
Cons
- Potential Snapshot Rate Increases: Bad drivers may have increased Nevada rates.
- Customer Service Ratings: There are some low ratings. Learn more in our Progressive review.
#3 – Travelers: Best for IntelliDrive Program
Pros
- IntelliDrive Program: Save up to 30% on your Nevada car insurance policy.
- Financial Rating: Financial management is rated as excellent by A.M. Best.
- Coverage Variety: Nevada drivers can customize Nevada policies with various coverages.
Cons
- Potential IntelliDrive Rate Increases: Nevada rates could potentially rise for bad drivers who participate in the program.
- Customer Service Ratings: Some lower ratings could be improved, which you can learn about in our Travelers review.
#4 – State Farm: Best for Personalized Policies
Pros
- Personalized Policies: Personalize Nevada policies by adjusting policy details and coverage. Learn more in our State Farm review.
- Local Assistance: Nevada customers have access to nearby agents in Nevada.
- Student Discounts: Good students in Nevada can apply for a good student discount.
Cons
- Online Functions: Most policy tasks are done through agents.
- Financial Rating: State Farm could improve its A.M. Best Rating.
#5 – Geico: Best for Low Rates
Pros
- Low Rates: Geico is economical for a majority of Nevada drivers.
- Online Convenience: Nevada policies are easily adjusted online.
- Bundling Discount: Purchase Geico renters insurance or home insurance in Nevada too for a discount on auto insurance.
Cons
- Local Agents: Local agents are limited, as most assistance is provided online.
- No Gap Coverage: Could be a deterrent for Nevada customers with new vehicles.
#6 – Liberty Mutual: Best for Policy Options
Pros
- Policy Options: Liberty Mutual also sells home insurance, renters insurance, and more, which can be bundled for a discount.
- Young Driver Discounts: Young Nevada drivers can save with good student discounts and more.
- Online Functions: Contact customer service, file claims, and more online.
Cons
- Customer Ratings: Satisfaction levels could be better. Read more in Liberty Mutual review.
- Higher DUI Rates: Nevada customers with DUIs may not want Liberty Mutual as their first choice.
#7 – Nationwide: Best for UBI Availability
Pros
- UBI Availability: Young drivers and older customers can partipate in Nationwide’s UBI program to save on Nevada insurance.
- Adjustable Deductibles: Choose an amount that meets your financial needs.
- Student Discounts: Good Nevada students who show proof of grades will get a discount.
Cons
- Customer Reviews: Customer service in Nevada could be better. Find out more in our Nationwide review.
- Agent Availability: Nevada residents may have trouble finding a local agent to visit in person.
#8 – American Family: Best for Claims Service
Pros
- Claims Service: Customers have mostly positive reviews. Learn more in our review of American Family.
- Vanishing Deductibles: Get lower deductibles over time for not filing claims.
- Student Discounts: Good students in Nevada get lower rates at American Family.
Cons
- Online Services: Customers may find it less convenient to make Nevada policy changes online.
- DUI Rates: Nevada DUI rates may be less competitive.
#9 – Farmers: Best for Great Add-Ons
Pros
- Great Add-Ons: Farmers customers have access to a whole range of Nevada add on coverages.
- Multi-Vehicle Discount: Great for Nevada customers looking to insure multiple vehicles.
- Adjustable Deductibles: Great for customers who want flexible deductibles on policies.
Cons
- Accident Forgiveness Qualifications: Most Nevada customers will not be able to qualify for accident forgiveness.
- Customer Reviews: The number of negative reviews could be better. Learn more in our Farmers review.
#10 – Allstate: Best for Customer Service
Pros
- Customer Service: Allstate has some local agents, 24/7 support online, and more.
- Mileage-Based Insurance: Milewise benefits Nevada customers who rarely drive.
- Claim Satisfaction Guarantee: Unhappy Nevada drivers may get lower rates.
Cons
- Customer Reviews: Satisfaction levels could be better. Find out more in our Allstate review.
- Young Drivers: Teen drivers in Nevada will have less economical rates at Allstate.
Top Nevada Companies Rates and Discounts
It can be tough to decide which Nevada car insurance company offers the right coverage for you at the best value. Unless you’ve had a policy with an insurance company before, it’s hard to know how they’ll treat you as a policyholder.
Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Nevada. The last thing you want is to skip out on carrying auto insurance in Nevada, as driving without insurance is illegal.
Learn more: What is the penalty for driving without insurance?
All drivers are required to carry minimum coverage in Nevada, but full coverage provides the best protection. Below, you can see the cost difference between the two.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $69 | $165 |
| American Family | $59 | $140 |
| Farmers | $65 | $155 |
| Geico | $46 | $110 |
| Liberty Mutual | $47 | $111 |
| Nationwide | $48 | $112 |
| Progressive | $35 | $82 |
| State Farm | $43 | $103 |
| Travelers | $38 | $91 |
| USAA | $29 | $69 |
With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Nevada car insurance companies.
When shopping at the top companies, make sure you are applying for discounts at your company to lower full coverage rates. The table below shows the best discounts at the top ten companies.
In the tables above, you can sort through all the Nevada car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Nevada car insurance rankings.
Interested in learning more about one of these Nevada car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
Of course, smaller companies can provide great coverage too. This is why it's so important to compare a few insurance quotes to see the average rate and the coverage you should expect. Make sure you're comparing like for like. This way, you can see who really provides the lowest rates for the same coverage.
Cheapest Teen Car Insurance Rates in Nevada
The average rates for teens are naturally higher because teens are still learning. They have little to no experience on the road.
Read more: New Driver Car Insurance
The cheapest option for Nevada female teen drivers and male teen drivers is USAA. This is based on the average rates for a teen driver profile for the most popular Nevada auto insurance companies. The table below is based on average rates for a teen driver in Nevada at the cheapest companies.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $131 | $280 |
| American Family | $280 | $367 |
| Farmers | $309 | $330 |
| Geico | $120 | $105 |
| Liberty Mutual | $177 | $197 |
| Nationwide | $143 | $177 |
| Progressive | $286 | $315 |
| State Farm | $136 | $173 |
| Travelers | $249 | $401 |
| USAA | $88 | $100 |
The average cost for female teen drivers can be lower than their male counterparts. This is based on a higher claims average for male teens. Insurance companies often apply this across age groups. As drivers age, gender or sex becomes less impactful on your average rate.
Cheapest Married Couple Car Insurance Rates in Nevada
USAA offers the cheapest car insurance rates for married Nevada couples on average when compared with the largest car insurers in the state. Keep in mind, experience and driving record are still extremely important.
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $77 |
| American Family | $60 |
| Farmers | $94 |
| Geico | $49 |
| Liberty Mutual | $51 |
| Nationwide | $59 |
| Progressive | $51 |
| State Farm | $50 |
| Travelers | $42 |
| USAA | $39 |
The average rate for a 30 year old married couple is different than the average rate for collision coverage for a 20 year old couple. Zip code can also determine risk. Marriage often infers stability and more policies for insurance companies.
Read more: Best Car Insurance Companies for Married Couples
Want to save on married couple car insurance? You can get quotes directly from top Nevada companies like Progressive or use a quote comparison tool to get married auto insurance quotes.
When insurance is combined with clean driving records and smart quoting, you might be surprised at how little you pay once married. For most couples, getting a policy together is the smartest choice.
Cheapest Senior Car insurance Rates in Nevada
Wondering how much senior drivers in Nevada pay for car insurance? Average Nevada car insurance rates for male and female senior drivers at the ten cheapest companies can be found in the table on this page.
Average premiums are listed for the largest companies in Nevada. Among these companies, USAA provides the cheapest car insurance rates for male and female senior drivers on average.
| Insurance Company | Female | Male |
|---|---|---|
| Allstate | $66 | $70 |
| American Family | $53 | $53 |
| Farmers | $55 | $64 |
| Geico | $48 | $49 |
| Liberty Mutual | $39 | $44 |
| Nationwide | $41 | $45 |
| Progressive | $34 | $34 |
| State Farm | $40 | $40 |
| Travelers | $35 | $35 |
| USAA | $28 | $27 |
Seniors are often seen as the lowest risk drivers. They may not often choose minimum coverage. But insurance rates can drop dramatically due to clean records and conservative driving habits along with stronger credit scores.
Read more: Ways to Save on Senior Driver Car Insurance
10 Cheapest Areas in Nevada for Car Insurance
In addition to your age and marital status, car insurance rates in Nevada vary based on the area in the state you live in. Car insurance rates in Nevada can even vary by different areas within a city, as you can see from the table below. .
| Area | Monthly Rates |
|---|---|
| Fallon | $93 |
| Winnemucca | $94 |
| Wells | $95 |
| Battle Mountain | $95 |
| Yerington | $95 |
| Lovelock | $95 |
| Owyhee | $95 |
| Jackpot | $96 |
| Elko | $96 |
| Schurz | $96 |
In the table above, you can see the top 10 cheapest areas in Nevada for car insurance based on average rates for a single adult (read more: Top Ways Customers Have Saved Money on Car Insurance).
10 Most Expensive Areas in Nevada for Car Insurance
Car insurance rates in Nevada vary significantly based on cities and neighborhoods. On average, the most expensive car insurance can be found in the city of Las Vegas (learn more: Why is car insurance so expensive?).
| Area | Monthly Rates |
|---|---|
| Las Vegas | $166 |
| Nellis Air Force Base | $163 |
| North Las Vegas | $162 |
| Henderson | $148 |
| Sloan | $142 |
| Blue Diamond | $139 |
| Coyote Springs | $139 |
| Jean | $128 |
| Boulder City | $126 |
| Indian Springs | $126 |
In the table above, you can see the top 10 most expensive areas in Nevada for car insurance based on average rates for single adults. If you live in an expensive area, make sure to shop around for Nevada car insurance quotes.
Nevada Minimum Car Insurance Coverage Requirements and Limits
Like nearly every state in the country, Nevada requires its drivers to purchase bodily injury and property damage liability insurance. We’ve provided the minimum requirements for liability coverage below, but keep in mind these are minimums and you may be underinsured in the event of a costly accident if only buy the minimums.
You can learn more about different car insurance coverages and what the limits mean here.
Nevada state minimum requirements:
Liability:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Property damage — $20,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Nevada Uninsured Motorist Percentage
Nevada drivers are not required to purchase uninsured motorist coverage, but doing so is a smart idea. Uninsured motorist coverage offers protection if you or your passengers are injured by a hit-and-run driver or a driver who is uninsured or underinsured.
According to 2015 data from the Insurance Information Institute, 10.6 percent of Nevada drivers are uninsured, which ranks 29th nationally.
How Nevada Companies Calculate Rates
When searching and comparing quotes from the best auto insurance companies in Nevada, it can be frustrating trying to understand how your insurance rates are calculated.
While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Learn more: If a car accident is not your fault, does your insurance go up?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident.
For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
How to Save Money on Nevada Car Insurance
While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Nevada car insurance companies, and following the above tips can help you get there.
How Clearsurance Ranks Nevada Car Insurance Companies
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better with customer service and claims.
Learn more: Insurance Claims Rating for Top 10 Largest Car Insurance Companies
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Finding the Best and Cheapest Car Insurance Coverage for You in Nevada
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Ready to shop for cheap Nevada car insurance? Enter your ZIP in our free quote tool to get cheap Nevada insurance quotes.
Frequently Asked Questions
Who offers the cheapest teen car insurance rates in Nevada?
The cheapest option for Nevada female teen drivers is State Farm while the cheapest option for male teen drivers is CSAA Insurance Group. This is based on the average rates for a teen driver profile for the five most popular Nevada auto insurance companies.
Who offers the cheapest car insurance rates for a married couple in Nevada?
Geico offers the cheapest car insurance rates for married Nevada couples on average when compared with the five largest car insurers in the state.
Who offers the cheapest senior car insurance rates in Nevada?
Average Nevada car insurance rates for male and female senior drivers can be found in the table on this page. Average premiums are listed for the five largest companies in Nevada. Among these companies, State Farm provides the cheapest car insurance rates for male and female senior drivers on average.
Who has the lowest insurance rates in Nevada?
USAA has the lowest Nevada auto insurance rates.
What is the best insurance to have in Nevada?
Full coverage is the best insurance to have in Nevada, but it is more expensive.
What type of car insurance is cheapest in Nevada?
Minimum coverage will be the cheapest option in Nevada.
Why is Nevada car insurance so expensive?
You may see rate increases if your area has had a rise in traffic accidents and claims or if your driving record has changed.
What is the state minimum car insurance in Nevada?
Nevada requires drivers to carry 25/50/20 of liability insurance.
Is insurance cheaper in Nevada or California?
Insurance is cheaper in Nevada, as California is one of the most expensive states for auto insurance.
What is full coverage insurance in Nevada?
Full coverage insurance in Nevada is a policy that has liability, collision, and comprehensive insurance.