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The Best Nevada Car Insurance Companies of 2022

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    Reviews Report

    • State Farm, Geico, Farmers, and USAA are among the best car insurance companies in Nevada, based on our analysis.
    • Geico may be best for drivers on a budget, considering the carrier’s low average premiums.
    • All Nevada car insurance companies reviewed had 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
    AM Best Financial Strength RatingA++A++AA++
    J.D. Power Customer Satisfaction**847829802863
    Avg. Annual Premium for Minimum Coverage*$592$400$1,415$612
    Avg. Annual Premium for Full Coverage*$1,668$1,116$3,369$1,549

    Information accurate as of July 2021

    *Data provided by Bankrate.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.
    • $1,668* Average Premium Pricing data comes from our partners at Bankrate.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 and full coverage.
    • $1,116* Average Premium Pricing data comes from our partners at Bankrate.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 and full coverage.

    Pros

    • Low average 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

    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.
    • $3,369* Average Premium Pricing data comes from our partners at Bankrate.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
    • Higher-than-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-Focused Coverage

    Why we chose it

    Among the military community, USAA has very high customer satisfaction ratings.
    • $1,549* Average Premium Pricing data comes from our partners at Bankrate.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 Bankrate.com.

    *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$400
    Progressive$502
    Nationwide$523

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

    Top 3 Most Expensive Car Insurance Companies in Nevada

    CompanyAverage Annual Premium*
    Key$4,505
    Farmers$3,369
    Kingsway$3,069

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

    Top 3 Cheapest Cities for Car Insurance in Nevada

    CityAverage Annual Premium*
    Winnemucca$518
    Spring Creek$523
    Battle Mountain$524

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

    Top 3 Most Expensive Cities for Car Insurance in Nevada

    CityAverage Annual Premium*
    Winchester$1,320
    Sunrise Manor$1,294
    Whitney$1,258

    * Data provided by Bankrate.com, 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 reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers. 

    As for average pricing, we used Bankrate.com’s data of car insurance in Nevada, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:

    • $100,000 bodily injury liability per person
    • $300,000 bodily injury liability per accident
    • $50,000 property damage liability per accident
    • $100,000 uninsured motorist bodily injury per person
    • $300,000 uninsured motorist bodily injury per accident
    • $500 collision deductible
    • $500 comprehensive deductible

    To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

    These are sample rates and should only be used for comparative purposes.

    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.

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