Nevada Car Insurance Cost for 2025

• Nevada car insurance rates average $2,860 per year for full coverage, or about $238 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 $2,600 per year.

How much does car insurance cost in Nevada?

Nevada car insurance costs an average of $2,860 per year, which is 22.7% more expensive than the national average rate of $2,276. The average cost per month for car insurance in Nevada is $238 for full coverage.

Insurance rates for some of the most popular vehicles in Nevada include the Nissan Rogue at an average cost of $2,570 per year, the Mazda CX-5 at $2,332, the Toyota Camry at $3,074, the Chevrolet Equinox at $2,634, and the Ford F150 pickup at $3,200 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 $167 to $558.

Average car insurance rates for teenagers in Nevada ranges from $6,814 per year for a 19-year-old female driver up to $10,190 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 $1,190 each year.
• Traffic violations like speeding tickets could increase your annual insurance cost by $760 or more, depending on the company.
• A 40-year-old driver with a DUI/DWI or other serious conviction could pay as much as $2,658 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 $1,762 per year on car insurance in Nevada.

Is car insurance expensive in Nevada?

When compared to surrounding states, average Nevada car insurance costs 21.6% more per year than Utah, 34.6% more than Idaho, 17.3% more than Oregon, 0.8% less than California, and 18.5% more than Arizona.

When compared to states in other parts of the country, the average cost of auto insurance in Nevada is 17.7% more expensive than Texas, 21.5% more than Illinois, 2.4% more expensive than Florida, 7.8% more than Colorado, and 11.2% 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 $2,534 per year. When compared to other states, the cost to insure a new Civic in Nevada is:

• $408 per year more expensive than in Oregon ($2,126)
• $494 per year more expensive than in Utah ($2,040)
• $796 per year more expensive than in Hawaii ($1,738)
• $18 per year cheaper than in California ($2,552)
• $680 per year more expensive than in Alaska ($1,854)

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 $2,112 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 $2,486 per year or $207 per month
• Compact SUV – Subaru Crosstrek insurance at $2,112 per year or $176 per month
• Midsize car – Kia K5 insurance at $2,758 per year or $230 per month
• Midsize SUV – Honda Passport insurance at $2,280 per year or $190 per month
• Full-size car – Chrysler 300 insurance at $2,724 per year or $227 per month
• Full-size SUV – Chevrolet Tahoe insurance at $2,686 per year or $224 per month
• Midsize pickup – Chevrolet Colorado insurance at $2,520 per year or $210 per month
• Full-size pickup – Nissan Titan insurance at $2,676 per year or $223 per month
• Heavy duty pickup – GMC Sierra 2500 HD insurance at $2,910 per year or $243 per month
• Minivan – Honda Odyssey insurance at $2,614 per year or $218 per month
• Sports car insurance – Mazda MX-5 Miata insurance at $2,646 per year or $221 per month
• Compact luxury car insurance – Acura Integra insurance at $2,544 per year or $212 per month
• Compact luxury SUV – Acura RDX insurance at $2,390 per year or $199 per month
• Midsize luxury car – Mercedes-Benz CLA250 insurance at $2,944 per year or $245 per month
• Midsize luxury SUV – Jaguar E-Pace insurance at $2,674 per year or $223 per month
• Full-size luxury car – Audi A5 insurance at $3,400 per year or $283 per month
• Full-size luxury SUV – Infiniti QX80 insurance at $3,206 per year or $267 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 - $3,494 per year or $291 per month
• Henderson Car Insurance - $3,174 per year or $265 per month
• Reno Car Insurance - $2,614 per year or $218 per month
• North Las Vegas Car Insurance - $3,398 per year or $283 per month
• Sparks Car Insurance - $2,604 per year or $217 per month
• Carson City Car Insurance - $2,414 per year or $201 per month
• Fernley Car Insurance - $2,392 per year or $199 per month
• Elko Car Insurance - $2,344 per year or $195 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 $866 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 $86 and $278 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 $382 per year for a 40-year-old driver and $742 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 $449 per year versus a credit score ranging from 670-739. Conversely, a poor credit score could cost as much as $521 more per year.
• Teen drivers cost a lot to insure in Nevada. Average car insurance quotes for teen drivers in Nevada costs $10,190 per year for a 16-year-old driver, $9,871 per year for a 17-year-old driver, $8,849 per year for an 18-year-old driver, and $8,059 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 $4,086 per year for a 20-year-old driver and as much as $702 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 $5,758 per year, while a 20-year-old female will pay an average of $4,132, a difference of $1,626 per year. The females get much better rates. But by age 50, the male rate is $2,538 and rates for female drivers are $2,472, a difference of only $66.