Cheap Nevada Auto Insurance in 2024 (Earn Savings With These 10 Companies)
USAA, Progressive, and Travelers serve as the best providers of cheap Nevada auto insurance. USAA stands out with its rates starting at $29 per month. These companies excel in broad coverage, top-notch service, and tailored insurance plans. Choose these top providers to maximize your savings on car insurance in Nevada.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Min. Coverage in Nevada
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
1,731 reviewsCompany Facts
Min. Coverage in Nevada
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviewsUSAA, Progressive, and Travelers are the top picks for cheap Nevada auto insurance. These companies are exceptional, offering low rates starting at $16 per month, providing significant savings for drivers.
Nevada auto insurance is legally required, but Understanding auto insurance makes it easier to buy the cheap Nevada auto insurance.
Our Top 10 Company Picks: Cheap Nevada Auto Insurance| Company | Rank | Monthly Rate | Good Driver Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $29 | 15% | Military Members | USAA |
 | #2 | $35 | 10% | Qualifying Coverage | Progressive |
 | #3 | $38 | 10% | Bundling Policies | Travelers |
 | #4 | $43 | 15% | Customer Service | State Farm |
 | #5 | $46 | 15% | Cheap Rates | Geico |
 | #6 | $47 | 12% | Policy Options | Liberty Mutual |
 | #7 | $48 | 10% | Vanishing Deductible | Nationwide |
 | #8 | $60 | 13% | Customer Service | American Family |
 | #9 | $65 | 10% | Safe Drivers | Farmers |
 | #10 | $69 | 10% | Usage-Based Discount | Allstate |
To find affordable Nevada auto insurance right now, all you have to do is enter your ZIP code above. Our quoting tool will provide free Nevada auto insurance quotes from top companies.
- Nevada drivers pay an average of $128/mo for Nevada auto insurance
- Nevada auto insurance rates are higher than the national average rate
- Drivers can save on Nevada auto insurance by comparing rates
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#1 – USAA: Top Overall Pick
Pros
- Lowest Rates: USAA offers some of the cheapest Nevada auto insurance rates, starting at $29 per month, significantly below the average premiums in the state. Find our more through our Allstate vs. USAA insurance review.
- Exceptional Customer Service: USAA is renowned for its exceptional customer service, making it a leader in providing cheap Nevada auto insurance with effective claims handling and support.
- Exclusive Discounts for Military Families: Offers a 15% good driver discount and additional savings for military families, enhancing the affordability of cheap Nevada auto insurance.
Cons
- Restricted Eligibility: USAA’s cheap Nevada auto insurance is only available to military members, veterans, and their families, limiting its accessibility.
- Limited Availability: Its services are not available in all areas, potentially restricting access to the cheap Nevada auto insurance rates it offers.
#2 – Progressive: Best for Qualifying Coverage
Pros
- Competitive Pricing: Progressive provides competitive rates starting around $35 per month, making it an excellent option for cheap Nevada auto insurance for qualifying drivers.
- Discounts for Safe Driving: The Snapshot program rewards safe driving with potential savings, helping to lower the cost of cheap Nevada auto insurance. Our complete Progressive auto insurance review goes over this in more detail.
- Diverse Discount Opportunities: Includes a 10% good driver discount and other savings opportunities, making it easier to find affordable cheap Nevada auto insurance.
Cons
- Inconsistent Customer Service: Some users report issues with customer service when dealing with claims, potentially affecting the overall experience with cheap Nevada auto insurance.
- Complex Pricing Structure: The variety of discounts and coverage options can be confusing, which may complicate finding the best deal on cheap Nevada auto insurance.
#3 – Travelers: Best for Bundling Policies
Pros
- Bundling Discounts: Provides significant savings through bundling auto insurance with other policies, making it a cost-effective choice for cheap Nevada auto insurance.
- Comprehensive Coverage Options: Includes a range of coverage options like roadside assistance, adding value to the cheap Nevada auto insurance plans. Look for more details through our Travelers insurance review.
- High Financial Ratings: Strong financial stability ratings ensure reliability and trustworthiness in handling claims, important for those seeking reliable cheap Nevada auto insurance.
Cons
- Higher Rates for High-Risk Drivers: Premiums may be higher for high-risk drivers, potentially impacting the affordability of cheap Nevada auto insurance.
- Customer Service Challenges: Some customers report dissatisfaction with the responsiveness of customer service, which can affect the overall experience with cheap Nevada auto insurance.
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#4 – State Farm: Best for Customer Service
Pros
- Excellent Customer Service: Based on our State Farm auto insurance review, State Farm is highly rated for its customer service, making it a great option for cheap Nevada auto insurance with personalized support.
- Comprehensive Coverage Options: Offers a wide range of coverage options, providing flexibility in choosing cheap Nevada auto insurance that meets specific needs.
- Discounts for Safe Driving: Includes a 15% good driver discount and additional savings opportunities, helping to lower the cost of cheap Nevada auto insurance.
Cons
- Higher Premiums in Some Areas: Rates may be higher in certain regions or for high-risk drivers, potentially making cheap Nevada auto insurance less affordable.
- Limited Availability of Some Discounts: Certain discounts or policy features might not be available in all regions, affecting the savings on cheap Nevada auto insurance.
#5 – Geico: Best for Cheap Rates
Pros
- Extensive Coverage Options: Provides a broad range of coverage options, including comprehensive and collision, at affordable rates for cheap Nevada auto insurance. Read more through our Geico insurance review.
- User-Friendly Online Tools: Features an easy-to-use online platform for managing policies and claims, which is convenient for those seeking cheap Nevada auto insurance.
- Discounts for Various Groups: Includes a 15% good driver discount and other savings for federal employees and students, enhancing the affordability of cheap Nevada auto insurance.
Cons
- Customer Service Variability: Customer service experiences can be inconsistent, with some users encountering issues with the claims process related to cheap Nevada auto insurance.
- Potential for Higher Rates: Premiums might increase significantly for drivers with poor credit or multiple claims, impacting the overall cost of cheap Nevada auto insurance.
#6 – Liberty Mutual: Best for Policy Options
Pros
- Diverse Policy Options: Liberty Mutual offers a variety of policy options, including new car replacement, making it a good choice for those looking for cheap Nevada auto insurance with flexible coverage.
- Customizable Coverage: Explore our Liberty Mutual auto insurance review, to see offers for customizable coverage options, and tailored cheap Nevada auto insurance plans that meet individual needs.
- Discounts for Bundling: Includes a 12% discount for bundling with home or other policies, making cheap Nevada auto insurance more affordable.
Cons
- Higher Premiums for Some Drivers: Rates may be higher for drivers with poor credit or high-risk profiles, which can affect the affordability of cheap Nevada auto insurance.
- Mixed Customer Reviews: Some customers report issues with the responsiveness and effectiveness of customer service, impacting the experience with cheap Nevada auto insurance.
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#7 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible Program: Nationwide’s vanishing deductible program rewards safe driving by reducing the deductible amount over time, benefiting those seeking cheap Nevada auto insurance.
- Wide Range of Discounts: Offers various discounts, including a 10% good driver discount, which helps lower the cost of cheap Nevada auto insurance. Delve into our Nationwide auto insurance review to understand more.
- Comprehensive Coverage Options: Provides a broad range of coverage options including liability and collision, catering to diverse needs for cheap Nevada auto insurance.
Cons
- Higher Premiums in Some Cases: Premiums may be higher for certain drivers or high-risk areas, affecting the overall cost of cheap Nevada auto insurance.
- Customer Service Concerns: Some customers report issues with customer service and claims processing, potentially impacting the overall experience with cheap Nevada auto insurance.
#8 – American Family: Best for Customer Service
Pros
- Strong Customer Service: Known for excellent customer service, American Family provides high-quality support for those seeking cheap Nevada auto insurance.
- Wide Coverage Options: Offers a variety of coverage options, including additional add-ons, making it a versatile choice for cheap Nevada auto insurance. Learn more through our American Family auto insurance review.
- User-Friendly Tools: Provides an easy-to-use online platform for managing policies and claims, which is beneficial for those seeking cheap Nevada auto insurance.
Cons
- Potentially Higher Costs: Premiums can be higher compared to some competitors, potentially impacting the affordability of cheap Nevada auto insurance.
- Limited Availability of Some Discounts: Certain discounts or policy features may not be available in all states, affecting the overall savings on cheap Nevada auto insurance.
#9 – Farmers: Best for Safe Drivers
Pros
- Safe Driver Discounts: As outlined in our Farmers auto insurance review, the company offers substantial discounts for safe driving, including a 10% good driver discount, making it a strong choice for cheap Nevada auto insurance.
- Comprehensive Coverage Options: Provides a range of coverage options, including specialized add-ons, catering to various needs for cheap Nevada auto insurance.
- Variety of Discounts: Includes discounts such as bundling and good student discounts, which contribute to lower costs for cheap Nevada auto insurance.
Cons
- Higher Premiums for Some Drivers: Rates can be higher for drivers with poor credit or multiple claims, affecting the affordability of cheap Nevada auto insurance.
- Customer Service Issues: Some customers report challenges with the responsiveness and effectiveness of customer service, impacting the overall experience with cheap Nevada auto insurance.
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#10 – Allstate: Best for Usage-Based Discount
Pros
- Comprehensive Coverage Options: Provides a wide range of coverage options, including additional add-ons, making it a versatile choice for cheap Nevada auto insurance.
- Strong Financial Ratings: Holds high financial stability ratings, ensuring reliability and trustworthiness in providing cheap Nevada auto insurance coverage.
- Variety of Discounts: Includes a 10% good driver discount and other savings opportunities, helping to make cheap Nevada auto insurance more affordable. See more details in our Allstate Auto Insurance Review.
Cons
- Higher Premiums for Some Drivers: Rates can be higher compared to some competitors, particularly for drivers with poor credit, which may impact the affordability of cheap Nevada auto insurance.
- Mixed Customer Service Reviews: Customer service experiences can be inconsistent, with some users reporting issues with claims processing and support, affecting the overall value of cheap Nevada auto insurance.
Nevada Auto Insurance Requirements
When Nevada lawmakers created the state’s auto insurance laws, they went with the tort system, currently in use by 38 states including Nevada.
In short, when an accident occurs, one of the drivers is determined to be the at-fault party – the one who caused the accident – and this person and their auto insurance are subject to claims and lawsuits.
Nevada Auto Insurance Monthly Rates by Coverage Level & Provider| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $69 | $165 |
| American Family | $60 | $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 | $91 |
The State of Nevada requires that drivers purchase a minimum amount of coverage for two different types of auto insurance coverage: bodily injury liability and property damage liability.
Bodily injury liability insurance covers the medical treatment and injury-related costs of the other party and their passengers when you are the at-fault party in an accident.
For instance, if Driver A causes a collision with Driver B and their medical claims total $25,000, Driver A and their insurance company will be required to pay this amount. State law requires that drivers have a minimum coverage of $25,000 per party, per accident and $30,000 for all parties in a single accident.
It’s worth noting that with today’s high cost of medical treatment, this amount is considered somewhat low and is worth increasing if it’s in your budget.
Property damage liability insurance works much like the above-mentioned BIL insurance, except the purpose of PD.L is to cover the cost of damage to other parties’ property, including their car, when you are the ‘at fault’ party in an accident.
Using the above example, if the accident that Driver A caused did a total of $4,000 in body damage to Driver B’s car, Driver A’s Property damage liability insurance would pick up this cost. The minimum amount of PDL coverage that a driver in Nevada can have is $20,000.
Nevada Auto Insurance Rates
Unfortunately for drivers in Nevada, while the state is below average in population it is slightly higher than average for auto insurance rates, which makes it a little harder to find affordable auto insurance.
As of July 2011, the average car insurance premium in the state was $129 per month, about $100 higher than the national average of $1,440.
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Relevant Nevada Driving Statistics
While Nevada ranks in the top ten states in the nation for auto crashes, the state has done a remarkable job of reducing accidents and improving driver safety in recent years.
The total crash number is quite high, given that Nevada is the 35th most populated state, but when compared to 2007’s total of 62,254 crashes and 341 fatalities, it’s clear that the trend is steeply downward.
With a continued focus by law enforcement – and drivers – on improving traffic safety, the crash rates will continue downward, as will the state’s above-average auto insurance prices.e.
While the state has managed to reduce the number of auto thefts by 50% between 2006 and 2009, Nevada is still ranked #2 in the nation for vehicle theft. So if you live in Nevada, you may want to invest in a car with anti-theft recovery systems.
In 2009, just 12,379 vehicles were reported stolen, down from 15,918 in 2008 and down from an astronomical 26,961 in 2006. The 2009 numbers give Nevada a rate of 468.4 auto thefts per 100,000 residents, good enough to hold down the 2nd highest rate in the nation for a 5th straight year.
As the huge decline in auto theft numbers over the past three years shows, Nevada law enforcement is making it a priority to prevent cars from being stolen.
Best Nevada Auto Insurance Quotes
To help Nevada residents find the best deals on auto insurance, we’ve built a tool that scours through the rates of the best auto insurance companies that operate in the state.
Until the state reduces its high ranking, auto insurance costs will remain above the national average.Scott Johnson Licensed Insurance Agent
Ready to buy Nevada auto insurance? To compare the best Nevada auto insurance rates, enter your ZIP code below.
Frequently Asked Questions
What are the minimum auto insurance requirements in Nevada?
In Nevada, the minimum auto insurance requirements are 25/50/20 for bodily injury and property damage coverage. This means you must have at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $20,000 in property damage coverage.
How can I find cheap auto insurance in Nevada?
To find cheap auto insurance in Nevada, it’s recommended to compare quotes from multiple insurance companies. By shopping around, you can find the best deal and potentially save money on your premiums. You can use our free quote tool to compare quotes from top companies jus enter your ZIP code here to start.
What is the average cost of auto insurance in Nevada?
The average cost of auto insurance in Nevada is $128.58 per month for full coverage. However, rates can vary based on factors such as your location, driving history, and the insurance company you choose. Learn more about affordable instant auto insurance quotes.
Is Nevada a no-fault state?
Nevada is not a no-fault state as it follows the tort system for auto insurance. This means that when an accident occurs, one of the drivers is determined to be at fault, and their insurance is responsible for covering the damages and injuries. Claims and lawsuits can be filed against the at-fault party and their insurance company.
Are there optional coverage options in Nevada?
Yes, there are optional coverage options available in Nevada. While the minimum requirements provide basic liability coverage, you can also consider additional coverage such as collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage for more comprehensive protection. Enter your ZIP code now to begin your quote.
What types of additional coverage options are available beyond Nevada’s minimum requirements?
Additional options include collision and comprehensive coverage, which protect against damage to your vehicle and non-collision events, respectively. Uninsured/underinsured motorist and medical payments coverage are also available.
How do factors such as driving record and location influence auto insurance rates in Nevada?
Drivers with poor records or living in high-risk areas, like Las Vegas, generally face higher rates. Location and driving history significantly impact premium costs.
How can residents of Nevada use comparison tools to find the best auto insurance rates?
Comparison tools allow residents to get multiple quotes at once, helping them find the most affordable options. These tools compare rates based on individual needs. Enter your ZIP code today to start comparing your quote.
What role does the tort system play in Nevada’s auto insurance claims process?
In the tort system or Tort auto insurance, the at-fault driver’s insurance covers damages, and the injured party can file claims or sue the at-fault driver. This system determines how compensation is handled.
What are some common customer service issues reported with auto insurance providers in Nevada?
Common issues include delays in claims processing and difficulties in getting timely responses from customer service. Disputes and claim denials also frequently cause frustration.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
