COUNTRY Financial is one of the best car insurance companies in Nevada, offering the cheapest rates for most driver profiles. Nationwide and USAA are the most affordable options for teens and military families, respectively.
Cheapest Car Insurance in Nevada (October 2024)
Updated: November 14, 2024
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CheapestCar InsuranceNevadaTable of Contents
Cheapest Minimum Car Insurance - Country Financial
Cheapest for Full Coverage - Country Financial
Cheapest for Military Drivers - Country Financial
Why Trust MoneyGeek? We gathered data from the Nevada Division of Insurance and Quadrant Information Services to identify the most affordable car insurance for various driver profiles in the state.
These rates reflect the cheapest car insurance quotes in Nevada as of October 2024.
90,496Quotes Analyzed
16Companies Compared
67ZIP Codes
Cheapest Minimum Liability Car Insurance in Nevada
The cheapest car insurance companies in Nevada for a minimum coverage policy are:
- COUNTRY Financial: $459 per year
- Capital Insurance Group: $544 per year
Dairyland is the most expensive auto insurer for minimum coverage, with an average annual premium of $2,180.
Car insurance that meets minimum insurance requirements in Nevada covers only bodily injury liability and property damage liability.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Minimum Coverage
| Country Financial | $459 | $38 |
| Capital Insurance Group | $544 | $45 |
| Nationwide | $548 | $46 |
| Mercury | $711 | $59 |
| Progressive | $728 | $61 |
| Travelers | $782 | $65 |
| American Family | $1,037 | $86 |
| GEICO | $1,053 | $88 |
| State Farm | $1,067 | $89 |
| Farmers | $1,154 | $96 |
| Kemper | $1,248 | $104 |
| Nevada General Insurance | $1,307 | $109 |
| CSAA | $1,372 | $114 |
| Allstate | $1,543 | $129 |
| Dairyland | $2,180 | $182 |
A minimum coverage policy covers only the cost of damage or injuries you cause to others. If you want more protection, try comprehensive and collision insurance, also known as full coverage. This insurance extends to damage to your vehicle.
Find the Best Car Insurance in Nevada for You
The amount of coverage you need depends on your insurance requirements and preferences.
The table above provides the cheapest car insurance premiums for minimum coverage in Nevada.
We also reviewed the best auto insurers in the Sagebrush State based on cost and service quality.
To know how rates change according to specific factors, we analyzed the average cost of car insurance in the state for various driver profiles.
Cheapest Full Coverage Car Insurance in Nevada
The most affordable full coverage auto insurance in Nevada is from:
- COUNTRY Financial: $840 per year
- Mercury: $978 per year
Dairyland offers Nevada's most expensive full coverage insurance at around $4,467 annually.
Adding comprehensive and collision coverage raises premiums. For instance, COUNTRY Financial's full coverage costs about $381 more than its minimum coverage. Full coverage auto insurance offers greater financial protection, covering damage from both on-road and off-road accidents.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| Country Financial | $840 | $70 |
| Mercury | $978 | $82 |
| Capital Insurance Group | $1,053 | $88 |
| Nationwide | $1,080 | $90 |
| Travelers | $1,341 | $112 |
| American Family | $1,574 | $131 |
| Progressive | $1,750 | $146 |
| Farmers | $1,833 | $153 |
| State Farm | $1,934 | $161 |
| GEICO | $2,108 | $176 |
| Nevada General Insurance | $2,337 | $195 |
| Allstate | $2,362 | $197 |
| Kemper | $2,795 | $233 |
| CSAA | $2,933 | $244 |
| Dairyland | $4,467 | $372 |
Determining how much car insurance you need impacts your rates. MoneyGeek’s sample full coverage policy features liability protection with these limits:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
You can save by lowering your limits, dropping collision and comprehensive insurance or raising your deductible. However, this could leave you with insufficient coverage if you're involved in an accident.
How to Compare Cheap Nevada Car Insurance Quotes Online
Most car insurance providers provide quotes online, requiring you to give personal information. It may also take up to 15 minutes to complete this process. Comparing rates will require you to submit your information to different insurance websites, which means additional time.
MoneyGeek provides a car insurance calculator to help you see quick estimates without giving your information to different insurers. It can serve as a starting point to help you find the cheapest insurance that suits your needs.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
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Rates updated:
Nov 20, 2024
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Cheapest Car Insurance in Nevada by Age
In Nevada, Nationwide offers the cheapest insurance for teen drivers. COUNTRY Financial is the most affordable for young adults and seniors.
CHEAPEST CAR INSURANCE COMPANIES BY AGE
- Cheapest for teens: Nationwide
- Cheapest for young adults: COUNTRY Financial
- Cheapest for seniors: COUNTRY Financial
Cheapest Car Insurance in Nevada for Teens and Their Families
These insurers offer the most affordable auto insurance for teens on a parent’s policy in Nevada:
- Nationwide: $2,388 per year for female teens and $2,572 per year for male teens
- State Farm: $3,061 per year for female teens; Allstate: $3,771 per year for male teens
Kemper charges the highest rates for teens, averaging $5,958 per year for female teens and $6,238 for male teens, based on 16-year-olds added to their parents' policies. Adding a teen to a parent's policy is usually cheaper than buying separate coverage.
Car insurance rates for teens drop as they age, with 19-year-olds seeing the lowest rates. In Nevada, Nationwide offers the cheapest insurance for male drivers aged 19, costing about $2,276 annually.
A 16-year-old male in Nevada may pay $9,872 per year for an individual policy but only $4,722 if added to a parent's policy, saving $5,150.
Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
| Nationwide | $2,388 | $4,903 |
| State Farm | $3,061 | $3,943 |
| Allstate | $3,491 | $10,836 |
| Farmers | $4,248 | $12,810 |
| Travelers | $4,328 | $8,344 |
| Capital Insurance Group | $4,432 | $5,944 |
| Progressive | $5,616 | $13,470 |
| GEICO | $5,618 | $9,665 |
| Kemper | $5,958 | $10,176 |
MONEYGEEK EXPERT TIP
On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Families can save on car insurance by getting discounts for young drivers. Allstate, Farmers, Progressive, State Farm and Travelers offer distant student and good student discounts. GEICO, Kemper and Nationwide offer good student discounts.
Cheapest Car Insurance in Nevada for Young Adults
The cheapest car insurance companies for Nevada drivers in their 20s are:
- COUNTRY Financial: $1,164 per year
- Mercury: $1,346 per year
Dairyland offers the most expensive car insurance for young adults, at an average of $5,141 annually. Young adults pay around $436 more for insurance than middle-aged drivers.
Data filtered by:Results filtered by:
Age Range:
Age Range:22-29
Coverage Level:
Coverage Level:Full Coverage
| Country Financial | $1,164 | $97 |
| Mercury | $1,346 | $112 |
| Nationwide | $1,412 | $118 |
| Travelers | $1,562 | $130 |
| Capital Insurance Group | $1,735 | $145 |
| American Family | $1,778 | $148 |
| Progressive | $2,111 | $176 |
| Farmers | $2,224 | $185 |
| State Farm | $2,436 | $203 |
| GEICO | $2,463 | $205 |
| Allstate | $2,470 | $206 |
| Nevada General Insurance | $2,915 | $243 |
| Kemper | $3,530 | $294 |
| CSAA | $3,642 | $304 |
| Dairyland | $5,141 | $428 |
Cheapest Car Insurance in Nevada for Seniors
Senior Nevada drivers can get the most affordable car insurance from these insurers:
- COUNTRY Financial: $796 per year
- Capital Insurance Group: $883 per year
Dairyland offers the least affordable auto insurance rates for seniors, averaging $4,058 per year.
Nevada residents in their 60s pay around $30 more annually than middle-aged drivers. However, insurance rates will increase as they reach their 70s and 80s.
Data filtered by:Results filtered by:
Age Range:
Age Range:60 +
Coverage Level:
Coverage Level:Full Coverage
| Country Financial | $796 | $66 |
| Capital Insurance Group | $883 | $74 |
| Nationwide | $995 | $83 |
| Mercury | $1,098 | $92 |
| Travelers | $1,362 | $114 |
| American Family | $1,452 | $121 |
| Progressive | $1,728 | $144 |
| State Farm | $1,802 | $150 |
| Farmers | $1,838 | $153 |
| GEICO | $2,112 | $176 |
| CSAA | $2,621 | $218 |
| Nevada General Insurance | $2,649 | $221 |
| Allstate | $2,652 | $221 |
| Kemper | $3,795 | $316 |
| Dairyland | $4,058 | $338 |
Seniors who want to save money on car insurance might qualify for discounts from Allstate, American Family, Farmers, GEICO, Kemper and Mercury.
Cheapest Car Insurance for Higher Risk Drivers
COUNTRY Financial is the cheapest provider for Nevada drivers with tickets, at-fault accidents and DUIs on their record. It also offers the lowest rates for people with poor credit. Sports car drivers will find Capital Insurance Group the most affordable option.
CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS
- Cheapest after a ticket: COUNTRY Financial ($1,061 per year)
- Cheapest after an accident: COUNTRY Financial ($1,197 per year)
- Cheapest after a DUI: COUNTRY Financial ($1,468 per year)
- Cheapest for poor credit: COUNTRY Financial ($1,286 per year)
- Cheapest for sports cars: Capital Insurance Group ($1,103 per year)
Cheapest Car Insurance in Nevada After a Ticket
These auto insurance companies offer the most affordable full coverage policies in Nevada for drivers with tickets:
- COUNTRY Financial: $1,061 per year
- Nationwide: $1,244 per year
The most expensive insurer is Dairyland, averaging $6,066 per year. Getting a ticket in Nevada means paying about $582 more yearly than drivers with clean records.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| Country Financial | $1,061 | $88 |
| Nationwide | $1,244 | $104 |
| Mercury | $1,375 | $115 |
| Capital Insurance Group | $1,398 | $116 |
| Travelers | $1,921 | $160 |
| State Farm | $2,140 | $178 |
| American Family | $2,191 | $183 |
| Farmers | $2,351 | $196 |
| Progressive | $2,365 | $197 |
| Nevada General Insurance | $2,620 | $218 |
| Allstate | $2,649 | $221 |
| GEICO | $3,173 | $264 |
| Kemper | $3,371 | $281 |
| CSAA | $4,189 | $349 |
| Dairyland | $6,066 | $506 |
Cheapest Car Insurance in Nevada After an Accident
These are the cheapest full coverage insurance providers in Nevada for drivers with an at-fault accident:
- COUNTRY Financial: $1,197 per year
- Capital Insurance Group: $1,526 per year
Dairyland is the least affordable provider for drivers with at-fault accidents, costing about $7,495 annually. On average, having an at-fault accident increases your annual premium by around $1,181.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| Country Financial | $1,197 | $100 |
| Capital Insurance Group | $1,526 | $127 |
| Nationwide | $1,684 | $140 |
| Travelers | $2,010 | $168 |
| Mercury | $2,053 | $171 |
| State Farm | $2,347 | $196 |
| American Family | $2,523 | $210 |
| Farmers | $2,935 | $245 |
| Nevada General Insurance | $2,946 | $246 |
| Allstate | $3,113 | $259 |
| Progressive | $3,184 | $265 |
| GEICO | $3,935 | $328 |
| Kemper | $4,808 | $401 |
| CSAA | $5,351 | $446 |
| Dairyland | $7,495 | $625 |
Cheapest Car Insurance in Nevada After a DUI
For Nevada drivers who have a DUI on their records, here are the cheapest options for full coverage car insurance:
- COUNTRY Financial: $1,468 per year
- Mercury: $1,792 per year
Dairyland is the most expensive insurer for drivers with a DUI, costing an annual average of $6,573. A DUI may increase your annual premium by about $1,162.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| Country Financial | $1,468 | $122 |
| Mercury | $1,792 | $149 |
| Capital Insurance Group | $2,045 | $170 |
| State Farm | $2,140 | $178 |
| Nationwide | $2,285 | $190 |
| Travelers | $2,338 | $195 |
| Progressive | $2,531 | $211 |
| Nevada General Insurance | $2,620 | $218 |
| Farmers | $2,979 | $248 |
| American Family | $3,199 | $267 |
| Allstate | $3,276 | $273 |
| Kemper | $3,449 | $287 |
| CSAA | $4,506 | $375 |
| GEICO | $5,619 | $468 |
| Dairyland | $6,573 | $548 |
Cheapest Car Insurance in Nevada for Drivers With Poor Credit
The least expensive auto insurance providers in Nevada for drivers with poor credit are:
- COUNTRY Financial: $1,286 per year
- Capital Insurance Group: $1,412 per year
Dairyland charges the most for drivers with poor credit, averaging about $5,540 annually.
Your credit score significantly affects your insurance rates. In Nevada, if your score is below 580, you could pay around $894 more for auto insurance than someone with a score of 750 or higher.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| Country Financial | $1,286 | $107 |
| Capital Insurance Group | $1,412 | $118 |
| Mercury | $1,426 | $119 |
| Nationwide | $1,433 | $119 |
| Travelers | $2,125 | $177 |
| American Family | $2,336 | $195 |
| Nevada General Insurance | $2,337 | $195 |
| Progressive | $2,671 | $223 |
| Farmers | $2,948 | $246 |
| GEICO | $3,245 | $270 |
| Allstate | $3,651 | $304 |
| Kemper | $3,681 | $307 |
| State Farm | $4,200 | $350 |
| CSAA | $4,507 | $376 |
| Dairyland | $5,540 | $462 |
Insurers found that drivers with poor credit scores are more likely to file claims, so they charge higher premiums. While some states don’t allow rates based on credit scores, Nevada does.
Improving your credit score can help lower your rates. You can also compare providers or look for insurers that offer discounts to save money.
Cheapest Car Insurance in Nevada for Sports Cars
Nevada drivers with sports cars may find the cheapest car insurance from:
- Capital Insurance Group: $1,103 per year
- Travelers: $1,229 per year
The most expensive insurer for a sports car is Dairyland, with an annual average premium of $4,392.
Sports cars usually have higher repair and replacement costs than standard vehicles. In Nevada, drivers pay around $108 more annually to insure a sports car than a Toyota Camry LE.
Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
| Capital Insurance Group | $1,103 | $92 |
| Travelers | $1,229 | $102 |
| Nationwide | $1,258 | $105 |
| American Family | $1,483 | $124 |
| Farmers | $1,606 | $134 |
| Progressive | $2,144 | $179 |
| GEICO | $2,150 | $179 |
| Allstate | $2,276 | $190 |
| State Farm | $2,282 | $190 |
| Kemper | $2,817 | $235 |
| Dairyland | $4,392 | $366 |
MoneyGeek used a Ford Mustang for the quotes in this study, but car insurance rates can vary widely depending on the model. Luxury, electric and sports cars are typically more expensive to insure than other vehicle types.
Cheapest Car Insurance in Nevada for Military Drivers
For current military members and veterans, COUNTRY Financial is the cheapest insurer, charging an average of $840 annually.
Active-duty military personnel, including veterans and their families, can get affordable car insurance policies from USAA at around $1,185 annually.
Country Financial
- Annual premium: $840
- Cheapest rank: First out of 16 companies
- No military discount, but still the cheapest in Nevada
Cheapest Car Insurance in Nevada by City
Car insurance rates vary based on factors like the city you live in. Drivers in areas with higher theft, vandalism or accident rates are more likely to file claims, leading to higher premiums.
In Nevada, Reno has the cheapest auto insurance, with Mercury offering an average yearly rate of $854. Sunrise Manor has the highest rates from Capital Insurance Group, averaging $1,565 per year.
Use the table below to compare car insurance rates across different cities in Nevada.
| Enterprise | Capital Insurance Group | $1,404 |
| Henderson | Capital Insurance Group | $1,203 |
| Las Vegas | Capital Insurance Group | $1,304 |
| North Las Vegas | Capital Insurance Group | $1,515 |
| Paradise | Capital Insurance Group | $1,371 |
| Reno | Mercury | $854 |
| Sparks | Mercury | $938 |
| Spring Valley | Capital Insurance Group | $1,483 |
| Sunrise Manor | Capital Insurance Group | $1,565 |
Car Insurance in Nevada: What You Need to Know
Most states require drivers to buy car insurance that includes bodily injury and property damage coverage. Nevada is no exception.
Nevada Car Insurance Requirements
Nevada state laws require drivers to have proof of insurance in their vehicles at all times. It must meet the state minimum requirements for bodily liability insurance and property damage coverage.
A minimum coverage policy lets you save money, but you might need more financial protection if you encounter an incident.
MoneyGeek recommends getting as much liability coverage as you can. Also, if you have a DUI in Nevada, you’ll be required to file an SR-22 certificate.
Bodily injury liability
You’ll need $25,000 coverage in bodily injury liability per person and $50,000 per accident in case someone gets injured in an accident. This will help cover the associated medical expenses. However, if there are major injuries that exceed the limits, you might use your health insurance or pay from your pocket.
Property damage liability
Nevada drivers need $20,000 coverage in property damage liability for every accident. If your insurance doesn’t cover the cost of damage for your car or someone else’s, you might pay more out of pocket.
For extra protection, MoneyGeek suggests buying liability insurance of at least $100K per person and $300K per accident and increasing your property damage coverage to $100K. Including comprehensive and collision insurance might be required if you financed your car.
Comprehensive insurance covers repairs and car replacement during off-road incidents like theft, vandalism, animal damage and weather-related events. Collision insurance covers repairs or replacement if your car is damaged by another vehicle or an object like a post or tree.
We also recommend getting comprehensive and collision coverage if you have a valuable car.
Car Insurance Alternatives in Nevada
Aside from buying a minimum car insurance policy in Nevada, you can also try getting coverage from Nevada Auto Insurance Plan. It’s a good alternative if you do not meet the requirements for the voluntary market.
Non-owner car insurance in Nevada is another option to consider if you don’t own a car but need coverage when you drive rented or borrowed cars.
FAQ: Car Insurance in Nevada
If you're looking for car insurance, you might have questions about cost and quality. MoneyGeek answers the most common questions about auto insurance in Nevada.
Which company offers the cheapest car insurance in Nevada?
COUNTRY Financial offers the cheapest car insurance in Nevada, averaging $459 annually for minimum coverage. It also provides the lowest rates for full coverage and for drivers with tickets, accidents, military personnel and seniors. For sports car drivers, Capital Insurance Group has the cheapest rates. The average cost of car insurance in Nevada is $1,958 per year.
Should you buy the cheapest car insurance available in Nevada?
Yes, but only if you value affordability more than anything else. COUNTRY Financial offers the cheapest minimum coverage car insurance, but this provides limited protection, meaning you may have to cover repair and medical costs out of pocket after an accident. If you want to balance affordability with service quality, Capital Insurance Group offers the best overall car insurance in the state.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.