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Best & Cheapest Nevada Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16827 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2054 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.95 ★★★★★
1331 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
161 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.54 ★★★★★
239 customer reviews
rated their claim's experience positively
3.18 ★★★★★
277 customer reviews
rated their claim's experience positively
2.76 ★★★★★
54 customer reviews
rated their claim's experience positively
2.57 ★★★★★
126 customer reviews
rated their claim's experience positively
2.32 ★★★★★
54 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively

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. 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.

In the table 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.

On this page:

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.

Company Female teen rates Male teen rates
Allstate Insurance $2,726 $3,434
CSAA Insurance Group, a AAA Insurer $1,686 $1,651
Farmers Insurance Group $4,663 $5,463
Geico $2,992 $2,654
State Farm Insurance Company $1,655 $1,950

These rates are based on profiles for 18-year-old male and female drivers in Nevada. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Nevada will differ. Rate data is provided by Quadrant Information Services.

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.

Company Married couple rates
Allstate Insurance $2,120
CSAA Insurance Group, a AAA Insurer $2,754
Farmers Insurance Group $2,314
Geico $1,749
State Farm Insurance Company $2,043

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Nevada will differ. Rate data is provided by Quadrant Information Services.

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.

Company Female senior rates Male senior rates
Allstate Insurance $1,512 $1,611
CSAA Insurance Group, a AAA Insurer $1,173 $1,557
Farmers Insurance Group $1,086 $1,317
Geico $1,075 $1,211
State Farm Insurance Company $937 $937

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Nevada will differ. Rate data is provided by Quadrant Information Services.

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. In the table below, you can see the top 10 cheapest areas in Nevada for car insurance based on average rates for a single adult.

Area Car insurance rates
Fallon $1,106
Winnemucca $1,126
Wells $1,131
Battle Mountain $1,135
Yerington $1,138
Lovelock $1,139
Owyhee $1,140
Jackpot $1,144
Elko $1,144
Schurz $1,144

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Nevada will differ. Rate data is provided by Quadrant Information Services.

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. In the table below, you can see the top 10 most expensive areas in Nevada for car insurance based on average rates for single adults.

Area Car insurance rates
Las Vegas $1,990
Nellis Air Force Base $1,953
North Las Vegas $1,944
Henderson $1,767
Sloan $1,700
Blue Diamond $1,668
Coyote Springs $1,662
Jean $1,532
Boulder City $1,512
Indian Springs $1,508

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Nevada will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Nevada

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’s 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 car insurance rates are calculated in Nevada

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?

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 your car insurance in Nevada

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. 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

How Clearsurance rates and ranks the best car insurance companies in Nevada

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.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

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.