Nevada Car Insurance Quotes & Average Rates
Full coverage car insurance in Nevada is estimated at $3,231 a year, or $269 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $1,094 a year. Nevada is an at-fault state, and drivers must carry 25/50/20 liability limits. Below you will find estimated rates for 20 Nevada cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Nevada
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Nevada
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $2,456 | $205 | -24% | Military members and families only |
| Geico | $2,649 | $221 | -18% | Usually cheapest for clean records |
| State Farm | $2,843 | $237 | -12% | Strong for young and student drivers |
| Progressive | $3,069 | $256 | -5% | Competitive after a ticket or accident |
| Travelers | $3,134 | $261 | -3% | Good multi-policy discounts |
| Nationwide | $3,231 | $269 | 0% | Mid-market, wide availability |
| Allstate | $3,683 | $307 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $3,910 | $326 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Nevada. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Nevada car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $8,727 | $2,956 | $727 |
| 18 years old | $7,361 | $2,493 | $613 |
| 20 years old | $6,095 | $2,065 | $508 |
| 22 years old | $5,063 | $1,715 | $422 |
| 25 years old | $3,864 | $1,309 | $322 |
| 30 years old | $3,331 | $1,128 | $278 |
| 40 years old | $3,131 | $1,060 | $261 |
| 50 years old | $2,998 | $1,015 | $250 |
| 60 years old | $2,964 | $1,004 | $247 |
| 65 years old | $3,098 | $1,049 | $258 |
| 70 years old | $3,397 | $1,151 | $283 |
| 75 years old | $3,964 | $1,343 | $330 |
Estimated premiums by age in Nevada, clean record, sedan.
How violations change your Nevada premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $3,231 | — |
| 1 speeding ticket | $3,974 | +23% |
| 1 at-fault accident | $4,749 | +47% |
| DUI / DWI | $6,106 | +89% |
What a violation costs a 35-year-old in Nevada. Surcharges normally stay on the policy for three to five years.
A DUI in Nevada usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Nevada minimum insurance requirements
| Required coverage in Nevada | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $20,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Nevada Department of Insurance before you buy.
Coverage levels in Nevada
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $1,094 | $91 |
| Full coverage (100/300/100 + comp & collision) | $3,231 | $269 |
| Full coverage, high limits + low deductible | $3,845 | $320 |
Coverage level comparison for Nevada.
Car insurance rates in Nevada cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 20 Nevada cities we price.