Auto Insurance in Nevada

Nevada’s auto insurance rates are right in line with the national average — $1,753 per year, compared to $1,669 nationwide. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:

Average annual rate in Nevada
$0 $5,000
North Carolina car owners pay the least
Average annual rate in the US
Michigan car owners pay the most

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Find the best auto insurance in Nevada

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While Nevada is the seventh largest state in the United States, its population is focused in the Las Vegas area. Nearly 75% of its citizens reside in this area, and the dense population drives up local insurance premiums. While most people associate Nevada with dry, arid desert (and this is true), it also takes second place for the state with the most mountains, coming in only behind Alaska. The mountain areas can see significant snowfalls, which can contribute to accidents and higher premiums.

Nevada Minimum Liability

Bodily Injury

per person
per accident

Property Damage

per accident

Although the recommended minimum coverage for most people is $50,000 for bodily injury and $100,000 per accident, serious accidents can often mean medical bills and accident damage well in excess of these amounts. If the damage from an accident exceeds the amount of coverage your policy provides, you’ll have to come up with the rest of the money yourself. To avoid this, it may be better to pay a slightly higher premium to carry the recommended $100,000 in bodily injury and $300,000 per accident.

While Nevada’s minimum liability requirements come in far below these industry standards, that isn’t necessarily a good thing. The state only requires drivers to carry $15,000 per person and $30,000 per accident, with $25,000 in property damage. However, the average bodily injury claim relating to an auto accident in 2013 was $15,444. That’s already over Nevada’s state minimums, and that’s just the average. While it’s possible you’ll get lucky and end up on the lower end of the range, there’s also a 50 percent chance that the claim will be on the higher end, possibly costing you thousands.

When you’re looking for car insurance, make sure you’re comparing apples to apples. If one policy is cheaper, but you also get half as much coverage, it may not be the better choice in the long run. Every company takes a slightly different approach to your driving profile and premiums, so grab quotes from all of the insurance companies in your area, and make sure to ask about discounts that can help you bring down your premium.

Cheapest Car Insurance in Connecticut

Yearly Rate

  • $2,277
  • $1,775
  • $1,705
    State Farm
  • $1,013
  • $1,997

Sometimes price is the most important factor, and if that sounds like your situation, one of these companies may be your best bet. Affordable car insurance is important, but cheap premiums also usually come with a trade-off in service and quality.

The cheapest car insurance companies in Nevada will keep you legal with the minimum coverage required by the state, but you’ll likely be working with a national company. These low-cost premiums often mean lower customer service quality — you may be on hold a while when calling — and it can be more difficult to get your claim reimbursed.

Where is car insurance most affordable?

If you’re living in or around Las Vegas, you’re likely paying some of the highest premiums in the state.

Policies tend to be most affordable in the more rural areas or in cities in the eastern part of that state, such as Carson City.

One probable reason for the price difference is the amount of traffic. The more people there are on the road, the more likely you are to have an accident. Companies raise rates in these areas to compensate for having to pay out claims more frequently.

Carson City Auto Insurance

Population: 54,080
Carson City

Although it’s the capital of Nevada, Carson City is fairly small, with a population hovering just over 55,000. Residents of Carson City were originally lured to the area by the railroad jobs and a mining boom in the late 19th century. The city sees a little less than 9 inches of snow in an average winter, which can increase the risk of accidents, but auto insurance premiums stay about 30 percent lower than the state average.

Henderson Auto Insurance

Population: 270,811

Henderson comes in as the second-biggest city in Nevada, with a population over 270,000. Located a little over 20 minutes from Las Vegas, Henderson offers residents all the perks of big-city life along with the safety that comes with the suburbs. The city’s car insurance premiums are very closely in line with the state average, and this is likely due to its higher population density and proximity to Las Vegas.

Las Vegas Auto Insurance

Population: 603,488
Las Vegas

While Las Vegas may be known as the Entertainment Capital of the World, it’s also Nevada’s largest city and a place many people choose to retire or raise their families. With the city covering over 135 square miles and summer highs often crossing the 100-degree mark, air-conditioned vehicles are a must. More than 600,000 people reside in Las Vegas, increasing the number of traffic accidents and amount of insurance premiums. Las Vegas premiums are generally the highest in the state.

North Las Vegas Auto Insurance

Population: 226,877
North Las Vegas

Though it shares a name with Nevada’s most famous city, North Las Vegas stands on its own, with a population hovering above 227,000. The city was officially incorporated in 1946, and it’s known for its manufacturing and tech industries. The climate and size are very close to that of Las Vegas, and car insurance premiums are usually above state average but cheaper than Las Vegas.

Reno Auto Insurance

Population: 233,294

Situated in the southeastern corner of Nevada, Reno is perhaps best known for its casinos and its proximity to Lake Tahoe. A modest mining town in the 1850s, Reno now boasts a population of more than 225,000 — closely rivaling that of Las Vegas. Parts of the area can see significant snowfalls, making vehicle transportation necessary but risky in the winter. Despite this, car insurance in Reno comes in at about 25 percent below the state average.

Sparks Auto Insurance

Population: 93,282

Sparks, Nevada, is less than 4 miles away from Reno, and the two cities are usually considered part of the same metropolitan area. Sparks’ population is around 90,000 and has various areas, such as Victorian Square, that don’t require residents to have a car. Insurance premiums usually stay about 24 percent lower than Nevada’s average but may be slightly higher than Reno’s.

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