- Nevada car insurance rates average $1,680 per year for full coverage, or about $140 on a monthly basis.
- Nevada ranks last for affordable car insurance when compared to other states in the West region, and ranks 45th 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 $1,500 per year.
How much does car insurance cost in Nevada?
Nevada car insurance costs an average of $1,680 per year, which is 10.3% less than the national average rate of $1,523. The average cost per month for car insurance in Nevada is $140 for full coverage.
Insurance rates for some of the most popular vehicles in Nevada include the Nissan Rogue at an average cost of $1,492 per year, the Mazda CX-5 at $1,370, the Toyota Camry at $1,704, the Chevrolet Equinox at $1,436, and the Ford F150 pickup at $1,670 per year.
The chart below shows average auto insurance cost in Nevada for all 2021 models. Rates are averaged for all Nevada Zip Codes and shown for five different driver age groups and three different policy deductible amounts.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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 $106 to $322.
Average car insurance rates for teenagers in Nevada ranges from $4,220 per year for a 19-year-old female driver up to $6,016 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 $688 each year.
- Traffic violations like speeding tickets could increase your annual insurance cost by $440 or more, depending on the company.
- A 40-year-old driver with a DUI/DWI or other serious conviction could pay as much as $1,536 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 $824 per year on car insurance in Nevada.
Is car insurance expensive in Nevada?
When compared to surrounding states, average Nevada car insurance costs 37% more per year than Utah, 67.3% more than Idaho, 26.5% more than Oregon, 1.3% more than California, and 23.9% more than Arizona.
When compared to states in other parts of the country, the average cost of auto insurance in Nevada is 15.4% more expensive than Texas, 57.6% more than Illinois, 17% cheaper than Florida, 4.7% more than Colorado, and 8.4% 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 2021 Honda Civic in Nevada is $1,516 per year. When compared to other states, the cost to insure in Nevada is:
- $318 per year more expensive than in Oregon ($1,198)
- $410 per year more expensive than in Utah ($1,106)
- $440 per year more expensive than in Hawaii ($1,076)
- $18 per year more expensive than in California ($1,498)
- $450 per year more expensive than in Alaska ($1,066)
The chart below shows how the average cost of car insurance in Nevada compares to all other western U.S. states. Nevada ranks #11 out of 11 states in the West region for cheapest car insurance rates, and ranks #45 of all 50 states. Only the states of Michigan, Louisiana, Florida, Rhode Island, and Kentucky have higher average car insurance rates.
|West Region States||Average Insurance Cost||Annual Difference|
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 Mazda CX-3 ranks number one for cheapest insurance rates, costing an average of $1,300 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 – Chevrolet Spark insurance at $1,306 per year or $109 per month
- Compact SUV – Mazda CX-3 insurance at $1,300 per year or $108 per month
- Midsize car – Honda Insight insurance at $1,546 per year or $129 per month
- Midsize SUV – Ford Edge insurance at $1,426 per year or $119 per month
- Full-size car – Kia Cadenza insurance at $1,688 per year or $141 per month
- Full-size SUV – Chevrolet Tahoe insurance at $1,732 per year or $144 per month
- Midsize pickup – Chevrolet Colorado insurance at $1,404 per year or $117 per month
- Full-size pickup – Ford F150 insurance at $1,670 per year or $139 per month
- Heavy duty pickup – Chevrolet Silverado HD 3500 insurance at $1,880 per year or $157 per month
- Minivan – Kia Sedona insurance at $1,406 per year or $117 per month
- Sports car insurance – Mazda MX-5 Miata insurance at $1,458 per year or $122 per month
- Compact luxury car insurance – Mercedes-Benz A220 insurance at $1,628 per year or $136 per month
- Compact luxury SUV – Acura RDX insurance at $1,432 per year or $119 per month
- Midsize luxury car – Acura ILX insurance at $1,558 per year or $130 per month
- Midsize luxury SUV – Volvo V60 insurance at $1,602 per year or $134 per month
- Full-size luxury car – Audi A5 insurance at $1,888 per year or $157 per month
- Full-size luxury SUV – Volvo XC90 insurance at $1,796 per year or $150 per month
The table below breaks out the top 50 cheapest vehicles to insure in Nevada from the 2021 model year (from all vehicle segments) along with annual and monthly average car insurance rates.
|Rank||Make/Model||Annual Cost||Monthly Cost|
|10||Nissan Rogue Sport||$1,390||$116|
|18||Mitsubishi Eclipse Cross||$1,414||$118|
|32||Mazda MX-5 Miata||$1,458||$122|
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 - $2,462 per year or $205 per month
- Henderson Car Insurance - $2,154 per year or $180 per month
- Reno Car Insurance - $1,614 per year or $135 per month
- North Las Vegas Car Insurance - $2,368 per year or $197 per month
- Sparks Car Insurance - $1,606 per year or $134 per month
- Carson City Car Insurance - $1,422 per year or $119 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 $434 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 $50 and $170 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 $234 per year for a 40-year-old driver and $450 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 $264 per year versus a credit score ranging from 670-739. Conversely, a poor credit score could cost as much as $306 more per year.
- Teen drivers cost a lot to insure in Nevada. Average car insurance quotes for teen drivers in Nevada costs $6,016 per year for a 16-year-old driver, $5,618 per year for a 17-year-old driver, $5,246 per year for a 18-year-old driver, and $4,744 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 $2,340 per year for a 20-year-old driver and as much as $508 per year for a 60-year-old driver.
- Gender and age affect the rate you pay. For the average 2021 model year vehicle, a 20-year-old male driver pays an estimated $3,332 per year, while a 20-year-old female will pay an average of $2,472, a difference of $860 per year. The females get much better rates. But by age 50, the male rate is $1,526 and rates for female drivers are $1,500, a difference of only $26.