Nevada Car Insurance Rates
Average auto insurance rates in Nevada for 2018 are $1,726 annually for full coverage insurance. Comprehensive insurance, collision insurance, and liability coverage cost around $384, $702, and $446, respectively. Winchester, Sunrise Manor, and Paradise average the highest rates, and the three companies with the most written premium are State Farm, Geico, and Progressive.
Average rate for full coverage: $1,726
Price estimates for individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Car Insurance in Nevada
For a driver in their 40's, prices range from as cheap as $530 for your basic liability-only policy to a high of $3,726 for a driver who has had serious violations or accidents.
These differences illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.
Use the form below to get accurate rates for your location.
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Recommended Companies for Cheap Nevada Insurance
The chart estimates Nevada car insurance prices for various situations. The cheapest price with discounts is $990. Insureds who use higher $1,000 deductibles will pay about $1,480. The average price for a driver age 40 with no violations using $500 deductibles is $1,726. Choosing low $100 deductibles for physical damage coverage will cost more, up to $2,204. Drivers considered high risk could be charged as much as $3,726. The cost for full coverage for a 16-year-old driver can climb as high as $6,350.
Auto insurance rates in Nevada can also vary considerably based on the type of vehicle you drive, your risk profile, and deductibles and policy limits.
Where you live in Nevada also has a big influence on auto insurance rates. Areas with less crime and congestion might see rates around $1,300 a year, while Winchester and Sunrise Manor may see prices closer to $3,400. Even areas within a few miles of each other in the same city can have a wide range of rates.
These geographic rate differences emphasize the need to quote rates based on where you live in Nevada.
Your choice of car insurance company definitely affects the cost of coverage. In each state, every insurer sets their own rates, and prices can change based on indivdual risk characteristics.
In Nevada, auto insurance prices range from $921 with Travelers to as high as $2,657 with Encompass. Other companies like Allied, Capital, and Oregon Mutual are neither the lowest or highest. That is probably not the exact rates you would pay, as your vehicle make and model, your driving record, and your location in Nevada all factor in.
|Rank||Company||Market Share||Average Rate|
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $730 a year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $402 extra every year. View Rates by Deductible or Liability Limit
Your choice of vehicle has a significant impact on the price of auto insurance in Nevada. Choosing to drive a lower-cost and lower horsepower vehicle will save money on insurance due to lower cost for replacement parts and lower medical and liability claims. The next table shows auto insurance estimates for the top vehicles insured in Nevada.
|Make and Model||Premium||% to Avg|
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Older drivers with a good driving record and high physical damage deductibles may only pay around $1,600 every 12 months on average for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $6,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $2,000 to $2,800 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 129% more than the average policy. View High Risk Driver Rates
With so much variability in prices, the only way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and quoted rates can be significantly different between companies.
Nevada Auto Insurance Articles
- Who Has the Cheapest Nevada Car Insurance?
- Who Has Cheap Insurance for a Chevrolet Silverado in Nevada?
- Cheap Insurance for a Honda Pilot in Nevada
- Best Cheap Insurance for a Nissan Altima in Nevada
- Who Has Cheap Insurance Quotes for a Toyota Corolla in Nevada?
- How Much is Insurance for a Ford F-150 in Nevada?
- Cheapest Car Insurance Quotes for Drivers with Accidents in Nevada
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$130|
|5-yr Claim Free||$111|
|Paid in Full/EFT||$81|
Discounts are estimated and may not be available from every company or in every state.