Nevada Car Insurance Cost for 2021

How much does average car insurance cost in Nevada? We break down insurance rates by model and vehicle segment to see which autos have cheap car insurance quotes in Nevada.

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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.

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Chart Data Details: Chart shows average Nevada car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Nevada zip codes.
Average Car Insurance Cost in Nevada
Average Car Insurance Cost in Nevada
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,828$236
$500$3,332$278
$250$3,864$322
30$1,000$1,486$124
$500$1,768$147
$250$2,062$172
40$1,000$1,420$118
$500$1,680$140
$250$1,950$163
50$1,000$1,294$108
$500$1,526$127
$250$1,770$148
60$1,000$1,272$106
$500$1,500$125
$250$1,740$145

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.

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Nevada Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Nevada Compared to West Region
West Region States Average Insurance Cost Annual Difference
Idaho$1,004-$676
Alaska$1,180-$500
Washington$1,182-$498
Hawaii$1,190-$490
Utah$1,226-$454
Oregon$1,328-$352
Wyoming$1,336-$344
Montana$1,378-$302
Colorado$1,604-$76
California$1,658-$22
Nevada$1,680--

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.

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.

Top 50 Cheapest Car Insurance Rates in Nevada
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-3$1,300$108
2Chevrolet Spark$1,306$109
3Honda CR-V$1,350$113
4Mazda CX-5$1,370$114
5Kia Rio5$1,372$114
6Mazda CX-30$1,372$114
7Ford Ecosport$1,378$115
8Toyota C-HR$1,380$115
9Toyota Corolla$1,382$115
10Nissan Rogue Sport$1,390$116
11Hyundai Kona$1,392$116
12Chevrolet Trax$1,396$116
13Chevrolet Colorado$1,404$117
14Buick Envision$1,406$117
15Kia Sedona$1,406$117
16Hyundai Venue$1,408$117
17Nissan Kicks$1,408$117
18Mitsubishi Eclipse Cross$1,414$118
19Hyundai Tucson$1,416$118
20Kia Sportage$1,418$118
21Jeep Compass$1,424$119
22Ford Edge$1,426$119
23Kia Soul$1,426$119
24Volkswagen Golf$1,428$119
25Acura RDX$1,432$119
26Chevrolet Equinox$1,436$120
27Chevrolet Blazer$1,438$120
28Chevrolet Trailblazer$1,442$120
29Subaru Impreza$1,442$120
30Honda Passport$1,448$121
31Honda HR-V$1,458$122
32Mazda MX-5 Miata$1,458$122
33Volkswagen Tiguan$1,464$122
34Kia Telluride$1,466$122
35Nissan Frontier$1,474$123
36Volkswagen Atlas$1,474$123
37Ford Ranger$1,476$123
38Cadillac XT4$1,478$123
39Subaru Forester$1,478$123
40Toyota Tacoma$1,480$123
41Ford Escape$1,486$124
42Subaru Ascent$1,486$124
43Nissan Rogue$1,492$124
44Subaru Crosstrek$1,492$124
45Buick Encore$1,494$125
46Nissan Sentra$1,498$125
47Kia Seltos$1,504$125
48GMC Terrain$1,508$126
49Volvo XC40$1,510$126
50Mazda 3$1,514$126

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Nevada.
    Top 50 Cheapest Car Insurance Rates in Nevada

    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.

    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.