Nevada Car Insurance Cost for 2025

• Nevada car insurance rates average $2,820 per year for full coverage, or about $235 on a monthly basis.
• Nevada ranks 10^th for affordable car insurance when compared to other states in the West region, and ranks 44^th out of all 50 U.S. states.
• Small SUVs tend to have cheap car insurance in Nevada, with the average cost for the segment being just over $2,500 per year.

How much does car insurance cost in Nevada?

Nevada car insurance costs an average of $2,820 per year, which is 23.8% more expensive than the national average rate of $2,221. The average cost per month for car insurance in Nevada is $235 for full coverage.

Insurance rates for some of the most popular vehicles in Nevada include the Nissan Rogue at an average cost of $2,530 per year, the Mazda CX-5 at $2,298, the Toyota Camry at $3,026, the Chevrolet Equinox at $2,592, and the Ford F150 pickup at $3,152 per year.

The chart below shows average auto insurance cost in Nevada for all 2024 models. Rates are averaged for all Nevada Zip Codes and shown for five different driver age groups and three different policy deductible amounts.

When annual rates in the chart above are converted to a monthly amount, the average cost of car insurance per month in Nevada ranges from $165 to $549.

Average car insurance rates for teenagers in Nevada ranges from $6,707 per year for a 19-year-old female driver up to $10,032 per year for a 16-year-old male driver.

Some additional factors and situations that can affect car insurance quotes in Nevada include:

• Having an at-fault accident could cause your rates to increase by as much as $1,170 each year.
• Traffic violations like speeding tickets could increase your annual insurance cost by $746 or more, depending on the company.
• A 40-year-old driver with a DUI/DWI or other serious conviction could pay as much as $2,614 more per year.
• Choosing a vehicle with cheaper insurance rates can mean big savings. For example, driving a Subaru Forester instead of a Dodge Challenger could save as much as $1,732 per year on car insurance in Nevada.

Is car insurance expensive in Nevada?

When compared to surrounding states, average Nevada car insurance costs 22% more per year than Utah, 35.3% more than Idaho, 17.8% more than Oregon, 0.8% less than California, and 19.1% more than Arizona.

When compared to states in other parts of the country, the average cost of auto insurance in Nevada is 18.2% more expensive than Texas, 22% more than Illinois, 2.4% more expensive than Florida, 8% more than Colorado, and 11.5% more expensive than Georgia.

Here is an example comparing the cost of Honda Civic insurance in Nevada to other western states. Average insurance cost on a 2024 Honda Civic in Nevada is $2,492 per year. When compared to other states, the cost to insure a new Civic in Nevada is:

• $402 per year more expensive than in Oregon ($2,090)
• $494 per year more expensive than in Utah ($1,998)
• $790 per year more expensive than in Hawaii ($1,702)
• $22 per year cheaper than in California ($2,514)
• $674 per year more expensive than in Alaska ($1,818)

The chart below shows how the average cost of car insurance in Nevada compares to all other western U.S. states. Nevada ranks 10^th out of 11 states in the West region for cheapest car insurance rates, and ranks 44^th of all 50 states.

What is the cheapest car insurance in Nevada?

When comparing rates for all vehicle segments, compact SUVs and crossovers tend to have the cheapest car insurance rates in Nevada. The Subaru Crosstrek ranks number one for cheapest insurance rates, costing an average of $2,080 per year.

The list below shows the vehicle with the most affordable car insurance in each segment, with average annual and monthly rates in Nevada.

• Compact car – Toyota GR Corolla insurance at $2,446 per year or $204 per month
• Compact SUV – Subaru Crosstrek insurance at $2,080 per year or $173 per month
• Midsize car – Kia K5 insurance at $2,712 per year or $226 per month
• Midsize SUV – Honda Passport insurance at $2,242 per year or $187 per month
• Full-size car – Chrysler 300 insurance at $2,684 per year or $224 per month
• Full-size SUV – Chevrolet Tahoe insurance at $2,646 per year or $221 per month
• Midsize pickup – Chevrolet Colorado insurance at $2,482 per year or $207 per month
• Full-size pickup – Nissan Titan insurance at $2,634 per year or $220 per month
• Heavy duty pickup – GMC Sierra 2500 HD insurance at $2,866 per year or $239 per month
• Minivan – Honda Odyssey insurance at $2,574 per year or $215 per month
• Sports car insurance – Mazda MX-5 Miata insurance at $2,606 per year or $217 per month
• Compact luxury car insurance – Acura Integra insurance at $2,504 per year or $209 per month
• Compact luxury SUV – Acura RDX insurance at $2,356 per year or $196 per month
• Midsize luxury car – Mercedes-Benz CLA250 insurance at $2,898 per year or $242 per month
• Midsize luxury SUV – Jaguar E-Pace insurance at $2,632 per year or $219 per month
• Full-size luxury car – Audi A5 insurance at $3,348 per year or $279 per month
• Full-size luxury SUV – Infiniti QX80 insurance at $3,158 per year or $263 per month

The table below breaks out the top 50 cheapest vehicles to insure in Nevada from the 2024 model year (from all vehicle segments) along with annual and monthly average car insurance rates.

Car insurance rates by city

Average car insurance rates are listed below for some of the larger cities in Nevada. Visit any city page to view detailed insurance data, including rankings of over 150 models with the cheapest rates in each city.

• Las Vegas Car Insurance - $3,450 per year or $288 per month
• Henderson Car Insurance - $3,134 per year or $261 per month
• Reno Car Insurance - $2,570 per year or $214 per month
• North Las Vegas Car Insurance - $3,354 per year or $280 per month
• Sparks Car Insurance - $2,560 per year or $213 per month
• Carson City Car Insurance - $2,370 per year or $198 per month
• Fernley Car Insurance - $2,348 per year or $196 per month
• Elko Car Insurance - $2,300 per year or $192 per month

Additional rates, discounts, and savings tips

The list below includes some additional example rates, policy discounts to watch for, and ways to save on your next policy.

• Research policy discounts to save money. You may qualify for discounts if you are a military or federal employee, sign your policy early, belong to certain professional organizations, drive a vehicle with specific safety or anti-theft features, or many other policy discounts which could save as much as $872 per year.
• Get better rates due to your job. The large majority of car insurance companies offer policy discounts for working in professions like police officers and law enforcement, architects, lawyers, high school and elementary teachers, scientists, firefighters, and others. Having this discount applied to your policy could save between $85 and $274 on your annual premium, depending on the level of coverage purchased.
• Increasing deductibles instantly lowers car insurance cost. Raising deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• A good credit rating can save money. Drivers with high 800+ credit scores could save up to $443 per year versus a credit score ranging from 670-739. Conversely, a poor credit score could cost as much as $513 more per year.
• Teen drivers cost a lot to insure in Nevada. Average car insurance quotes for teen drivers in Nevada costs $10,032 per year for a 16-year-old driver, $9,719 per year for a 17-year-old driver, $8,714 per year for an 18-year-old driver, and $7,933 per year for a 19-year-old driver.
• Safe drivers have cheaper auto insurance rates. Having multiple accidents could cost you more, possibly up to $4,018 per year for a 20-year-old driver and as much as $688 per year for a 60-year-old driver.
• Gender and age affect the rate you pay. For the average 2024 model year vehicle, a 20-year-old male driver pays an estimated $5,668 per year, while a 20-year-old female will pay an average of $4,068, a difference of $1,600 per year. The females get much better rates. But by age 50, the male rate is $2,496 and rates for female drivers are $2,434, a difference of only $62.