Claire Smith Last Updated On: August 18, 2023

Car Insurance in Nevada

Nevada may be home to the infamous Sin City, but one sin you don’t want to commit is driving without insurance. That sin (while not completely unforgivable) is very dangerous and costs you a ton of money in the long run.

Insurance is a necessary safeguard to protect drivers on the road from accidents and other unforeseen threats. And insurance doesn’t have to break the bank either. Keep reading this article to learn all about affordable car insurance in Nevada.

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Table of Contents

How Much is Car Insurance in Nevada?

In order to make an informed decision that respects your budget, you have to know what the expected cost of car insurance in Nevada will be and how that price is established.

The price of an auto insurance policy is determined based on the amount of risk that you as the driver pose to the insurer. In other words, the more likely you are to file claims, the more you must pay for insurance.

Insurance companies determine risk based on the following variables:

  • Age 
  • Driving history 
  • Credit score 
  • Location 
  • Vehicle make/model

Because no two drivers will have the exact same risk factor, no two drivers will pay the same premiums on their insurance. 

Having said that, you can use the average cost as a baseline to consider whether or not your Nevada auto insurance quotes are reasonable. So, without further ado…

The average cost of car insurance in Nevada is $1768 per year. 

 This average is approximately 16% more than the national American one. 

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Why is Nevada Car Insurance so Expensive?

It can be pretty disappointing to read that the cost of insurance in your state is more than others, and it’s only natural to wonder why this is the case.

Remember how we said that insurance premiums are determined based on risk? Well, there are two unfortunate statistics in Nevada that increases its risk, and consequently, it’s car insurance premiums: 

  1. An above average number of claims made
  2. A large number of uninsured drivers on the road

Don’t worry though, you can still find cheap car insurance in Nevada, and this article will help you achieve that. Let’s start by evaluating your coverage options. 

What are the Minimum Coverage Requirements in Nevada?

As is the case in most of America’s 50 states, Nevada requires all drivers to carry insurance by law. Driving without insurance subjects one to significant legal and financial penalties, plus it leaves them very vulnerable in an accident. 

Also like most other states, Nevada has their own unique minimum coverage limits that outline the amount of coverage drivers must carry at minimum. The limits are as follows:

  • $25 000 per person for Bodily Injury Liability 
  • $50 000 per accident for Bodily Injury Liability 
  • $20 000 per accident for Property Damage Liability

The average price for a minimum coverage policy in Nevada is $723 per year.


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What are the Additional Coverages Available in Nevada?

Insurance providers also give drivers the option to have other coverages on their policy so that they are protected in more circumstances.

Not every provider will offer all types of additional coverages, but these are the general options available for Nevada car insurance: 

  • Collision Coverage: covers damages to your own vehicle caused by a collision.
  • Comprehensive Coverage: covers non-collision related damages to your vehicle such as weather, vandalism, or theft.
  • Gap Coverage: helps pay for the difference in value from when the vehicle was initially purchased to the actual value at the time of claim.
  • Medical Payments: covers medical bills incurred by an accident. 
  • Roadside Assistance: provides additional services such as tow trucks or battery boosts.
  • Uninsured/Underinsured Motorist Coverage: covers expenses that the at-fault party’s insurance should cover but does not since their insurance is either insufficient or nonexistent. 

Each of these additional coverages will add to the price of your Nevada auto insurance policy, but in exchange, they provide you with more safety and security.

How Much Car Insurance Should You Carry?

The first step in securing the cheapest car insurance in Nevada possible is understanding what your individual needs are. 

This isn’t something we can just tell you in an article on the internet because we don’t know you. Nor do we know your specific needs or wants. 

We suggest that you make a list of your top priorities when shopping for car insurance in Nevada so that you can make your decision from an informed headspace. 

That said, insurance experts recommend that most people carry at least these three coverages: 

  • Liability
  • Comprehensive 
  • Collision

Policies with these coverages are called standard full coverage policies and they are a good fit for most people. Not only are they low-cost, but they offer a wide range of protection. 

Sometimes, a standard full coverage policy will also include:

  • Medical payments  
  • Uninsured/underinsured motorist

Which Nevada Insurance Company Should I Choose?

Another critical step in securing cheap auto insurance in Nevada is comparing multiple quotes from various companies.

The insurance market is a competitive one, so insurance companies are constantly trying to out-do each other with new and better deals. Also, different insurers specialize in different kinds of coverages and will offer better rates when others cannot. 

Comparing Nevada car insurance quotes from as many companies as possible will help you find the best deal on the market. 

We suggest starting with quotes from the following companies because they are known for offering some of the cheapest car insurance in Nevada: 

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More Tips on How to Save on Car Insurance?

We aren’t done yet! Here are even more ways to find low-cost car insurance in Nevada:

  • Compare Quotes Annually: It’s not enough to just compare Nevada car insurance quotes at your initial purchase. You should also get new quotes after every renewal period to ensure that you are still getting the best deal. 
  • Practise Safe Driving: Driving safely not only keeps your mother happy, it also saves you money on insurance because it reduces the risk of tickets and accidents. 
  • Bundle Insurance Policies: A lot of insurers offer bundling discounts in order to encourage you to choose their company. If you need a homeowner’s or motorcycle insurance policy too, ask about bundling.
  • Qualify for Other Discounts: Another way that insurance companies stay competitive is by offering discounts on their policies. Some common discounts that you might qualify for are:
    • Safe drivers’ course 
    • Loyalty 
    • Low milage
    • Veterans 
    • Good student
    • Signing up online

Trust us, each and every one of these tips will go so far in saving you money on your Nevada auto insurance.

How Can ConsumerCoverage Help with Nevada Car Insurance?

We at ConsumerCoverage love to help people like you with insurance and financial advice. And we’re pretty good at it too. We’ve got your back with…
  • access to free Nevada car insurance quotes, 
  • countless online resources, and 
  • a friendly team with expert advice!
Reach out to us today, we’d be delighted to hear from you.

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