Cheap Car Insurance in Nevada 2019
Average Nevada auto insurance premiums by company
| Company Click to see reviews | Average yearly premium |
|---|---|
| The Hartford | $1,544 |
| American Family Insurance | $1,667 |
| Esurance | $1,675 |
| Travelers | $1,712 |
| Farmers Insurance | $1,769 |
| AAA Insurance/Auto Club | $1,772 |
| State Farm | $1,797 |
| Progressive Insurance | $1,870 |
| Allstate | $1,894 |
| USAA (must have a military affiliation to buy from USAA) | $1,937 |
| Liberty Mutual | $2,002 |
| American National Insurance | $2,026 |
| Nationwide Insurance | $2,038 |
Insurance increase after a speeding ticket
Nevada drivers who get a speeding ticket pay an average insurance increase of 19%, lower than the nationwide average increase.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Nevada | $1,813/year | $2,149/year | 19% |
| Nationwide average | 26% | ||
Average premiums in Nevada cities
Car owners in North Las Vegas pay the most for auto insurance among the Nevada cities we examined.
| City | Average annual premium |
|---|---|
| Carson City | $1,577 |
| Henderson | $1,834 |
| Las Vegas | $1,874 |
| North Las Vegas | $1,955 |
| Pahrump | $1,411 |
| Reno | $1,593 |
| Sparks | $1,637 |
Minimum car insurance in Nevada
Nevada requires car owners to buy only one type of auto insurance: Liability. But for many drivers, having only the minimum state-required insurance isn't enough. Here's an overview of required coverage.
You must show an insurance ID card (or other proof of financial responsibility) when:
- Law enforcement requests it
- You renew vehicle registration
Penalties for not having auto insurance in Nevada
- Misdemeanor, court may impose fine of not more than $1,000.
- Civil penalties of $600-$1,000 fine, suspension of license and registration
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 26, 2019