HomepageInsuranceCarThe Best Nevada Car Insurance Companies of 2021

The Best Nevada Car Insurance Companies of 2021

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    Reviews Report

    • USAA is Reviews.com’s top-rated car insurance company in Nevada.
    • Geico has the lowest premium for minimum coverage in Nevada, at $593.23.
    • All Nevada car insurance companies reviewed had lower-than-average premiums, strong financial ratings by AM Best and at least average J.D. Power satisfaction scores.

    Nevada drivers pay a higher-than-average premium for auto insurance. That’s why it’s crucial for drivers to shop around for insurance that suits both their budgets and needs. We looked at some of Nevada’s largest insurance providers by market share and compared their AM Best ratings, J.D. Power scores, average annual premiums, available discounts, and coverage options, to help customers make the best choice.  

    After our analysis, we chose USAA as the top carrier due to its financial strength, customer ratings, cost, and offerings. 

    The 4 Best Car Insurance Companies in Nevada

     State FarmGeicoFarmers InsuranceUSAA
     Our reviewOur reviewOur reviewOur review
    Reviews.com Score4.84.23.64.8
    AM Best Financial Strength RatingA++A++AA++
    J.D. Power Customer Satisfaction**847829802863
    Avg. Annual Premium for Minimum Coverage*$883.03$593.23$940.59$699.13
    Avg. Annual Premium for Full Coverage*$2,123.54$1,603.74$2,295.62$1,803.02

    Information accurate as of July 2021

    *Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southwest region. Based on a 1,000-point scale.

    State Farm

    Best for Discounts

    Why we chose it

    State Farm offers Nevada drivers several discounts, including good driving, vehicle safety, and accident-free discounts.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $883.03* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 847** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm offers Nevada drivers several discounts, including good driving, vehicle safety, and accident-free discounts.

    Pros

    • Significant discount options
    • Strong financial rating
    • Extensive online resources

    Cons

    • No gap coverage available
    • Only average customer satisfaction rating
    Read More

    Types of Coverage Offered

    • Rideshare
    • Uninsured/underinsured
    • Emergency road service 
    • Car rental

    Discounts Available

    • Safe driver
    • Student away at school
    • Loyalty
    • Multi-vehicle/policy
    • Driving training course
    Geico

    Best for Cheap Premiums

    Why we chose it

    Out of all the providers reviewed for Nevada car insurance, Geico has the lowest premiums based on minimum requirements.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $593.23* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 829** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Out of all the providers reviewed for Nevada car insurance, Geico has the lowest premiums based on minimum requirements.

    Pros

    • Lowest premiums
    • High-rated mobile app
    • Valuable digital tools

    Cons

    • Scarce local agents
    • Average customer satisfaction rating
    Read More

    Types of Coverage Offered

    • Roadside assistance
    • Medical payments
    • Rental reimbursement
    • Uninsured/underinsured

    Discounts Available

    • New vehicle
    • Driving courses
    • Multi-vehicle/policy
    • Military
    • Good driver
    Farmers Insurance

    Best for Coverage Options

    Why we chose it

    Farmers offers a litany of coverage options for Nevada drivers — most advertised than any other car insurance company on this list.
    • 3.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $950.59* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 802** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Farmers offers a litany of coverage options for Nevada drivers — most advertised than any other car insurance company on this list.

    Pros

    • Accident forgiveness
    • Bundling discounts
    • Large variety of coverage options

    Cons

    • Average customer satisfaction score
    • Average premium costs
    Read More

    Types of Coverage Offered

    • Spare parts, windshield and glass
    • Loss of use
    • New car replacement
    • Guaranteed value
    • Towing and roadside service

    Discounts Available

    • Multi-policy/vehicle
    • Safe driver
    • Student away/good student
    • Good payer
    USAA

    Best for Military Members

    Why we chose it

    Among the military community, USAA has very high customer satisfaction ratings.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $699.14* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 863** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Among the military community, USAA has very high customer satisfaction ratings.

    Pros

    • High customer satisfaction
    • Strong financial rating
    • Lower than average premiums

    Cons

    • Only available to military members
    • Limited online information
    Read More

    Types of Coverage Offered

    • Comprehensive
    • Full coverage
    • Liability
    • Underinsured/uninsured
    • Collision

    Discounts Available

    • Safe driver
    • Driver training
    • Good student
    • Multi-vehicle/policy
    • Military installation

    *Data provided by Coverage.com, price based on the state minimum required policy. *

    *J.D. Power 2021 U.S. Auto Insurance Study rating for the Southwest region. Based on a 1,000-point scale.

    The Top 3 Cheapest Car Insurance Companies in Nevada

    CompanyAverage Annual Premium*
    Geico$593.23
    USAA$699.13
    COUNTRY Financial$859.87

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Nevada

    CompanyAverage Annual Premium*
    Key Insurance Company$2,561.74
    CSAA Insurance$1,277.45
    Allstate$1,173.79

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Nevada

    CityAverage Annual Premium*
    Fallon$701.23
    Winnemucca$715.63
    Elko$729.91

    * Data provided by Quandrant, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Nevada

    CityAverage Annual Premium*
    Spring Valley$1,564.54
    Sunrise Manor$1,544.76
    Whitney$1,516.13

    * Data provided by Quadrant, price based on the state minimum required policy.

    Nevada Car Insurance: What You Need to Know

    Nevada is home to Sin City, so it’s no surprise that the No. 1 cause of motor vehicle crashes, injuries and fatalities is impaired driving. However, most impaired driving injuries and fatalities resulted from single-vehicle and non-collision incidents. 

    Additional Car Insurance Coverage in Nevada

    While Nevada state minimum requirements are 25/50/20, it’s important to ensure that you’re fully covered in the event of car theft, non-collision damage and more. Drivers looking for Nevada car insurance coverage should consider the following additional coverage: 

    • Comprehensive: Also known as non-collision, this type of Nevada car insurance coverage kicks in if a tree falls on your car, is stolen, and damaged from a non-collision-related event like fire or flood. 
    • Medical payments: This coverage pays for the medical treatment of the driver and any passengers in the event of a collision. 
    • Uninsured/underinsured: If you are not at-fault for a car crash and the at-fault party does not have car insurance — or not enough car insurance to pay out for full damages — this coverage kicks in. 

    Nevada State Minimum Requirements

    Coverage liabilities on your Nevada policy show the maximum amounts your insurance will pay for an accident you caused. Nevada law requires you to have a minimum amount of liability coverage for bodily injury and property damage before you’re able to register your vehicle. Nevada’s minimum liability breaks down as follows:

    • $25,000 bodily injury coverage per person
    • $50,000 bodily injury coverage per accident
    • $20,000 property damage per accident

    While you may feel secure with minimum liability coverage, you should get all the coverage you can afford. The best way to keep yourself and your wallet safe is to purchase as much insurance as is financially feasible.

    Nevada’s At-Fault Law

    Nevada is an at-fault state, which means that the person who caused a car accident is responsible for the damages. If you caused the car accident with another party or parties, they are entitled to filing a claim with your insurance company to recoup monetary damages. Inversely, if you were found not responsible for the accident, you can file a claim with the other person’s insurance company.

    This also means it’s important to get underinsured/uninsured motorist coverage because if you were found not at fault for an accident and the at-fault party has no insurance, you will then file a claim with your own company.

    Nevada Car Insurance Companies FAQ

    Methodology 

    Reviews.com scores products, services, and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance companies in Nevada, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company and averaged the scores to produce our very own Reviews.com rating. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you.

    As for average pricing, we used Coverage.com’s data, based on the profiles of 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person
    • $300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Lorraine Roberte

    Lorraine Roberte Contributing Writer

    Lorraine Roberte is a South Florida-based personal finance writer. Her work has been published on sites such as Thrive Global, Elephant Journal, Red Tricycle and Tweak Your Biz.