Nevada Car Insurance Cost for 2022

• Nevada car insurance rates average $1,672 per year for full coverage, or about $139 on a monthly basis.
• Nevada ranks #10 for affordable car insurance when compared to other states in the West region, and ranks 44th 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 $1,672 per year, which is 6.7% less than the national average rate of $1,567. The average cost per month for car insurance in Nevada is $139 for full coverage.

Insurance rates for some of the most popular vehicles in Nevada include the Nissan Rogue at an average cost of $1,636 per year, the Mazda CX-5 at $1,274, the Toyota Camry at $1,644, the Chevrolet Equinox at $1,560, and the Ford F150 pickup at $1,618 per year.

The chart below shows average auto insurance cost in Nevada for all 2022 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 $106 to $320.

Average car insurance rates for teenagers in Nevada ranges from $4,196 per year for a 19-year-old female driver up to $5,982 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 $682 each year.
• Traffic violations like speeding tickets could increase your annual insurance cost by $434 or more, depending on the company.
• A 40-year-old driver with a DUI/DWI or other serious conviction could pay as much as $1,528 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 $928 per year on car insurance in Nevada.

Is car insurance expensive in Nevada?

When compared to surrounding states, average Nevada car insurance costs 32.9% more per year than Utah, 39.1% more than Idaho, 31% more than Oregon, 4.1% more than California, and 23.3% more than Arizona.

When compared to states in other parts of the country, the average cost of auto insurance in Nevada is 16.4% more expensive than Texas, 35.7% more than Illinois, 25% cheaper than Florida, 2.8% more than Colorado, and 13.6% 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 2022 Honda Civic in Nevada is $1,656 per year. When compared to other states, the cost to insure in Nevada is:

• $394 per year more expensive than in Oregon ($1,262)
• $410 per year more expensive than in Utah ($1,246)
• $632 per year more expensive than in Hawaii ($1,024)
• $74 per year more expensive than in California ($1,730)
• $332 per year more expensive than in Alaska ($1,324)

The chart below shows how the average cost of car insurance in Nevada compares to all other western U.S. states. Nevada ranks #10 out of 11 states in the West region for cheapest car insurance rates, and ranks #44 of all 50 states. Only the states of California, Kentucky, Rhode Island, Lousiana, Florida, and Michigan have higher average car insurance rates.

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-5 ranks number one for cheapest insurance rates, costing an average of $1,274 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 – Subaru Impreza insurance at $1,450 per year or $121 per month
• Compact SUV – Mazda CX-5 insurance at $1,274 per year or $106 per month
• Midsize car – Subaru Legacy insurance at $1,620 per year or $135 per month
• Midsize SUV – Honda Passport insurance at $1,344 per year or $112 per month
• Full-size car – Toyota Avalon insurance at $1,754 per year or $146 per month
• Full-size SUV – Chevrolet Tahoe insurance at $1,678 per year or $140 per month
• Midsize pickup – Chevrolet Colorado insurance at $1,378 per year or $115 per month
• Full-size pickup – Ford F150 insurance at $1,618 per year or $135 per month
• Heavy duty pickup – Ford F350 Super Duty insurance at $1,814 per year or $151 per month
• Minivan – Honda Odyssey insurance at $1,558 per year or $130 per month
• Sports car insurance – Mazda MX-5 Miata insurance at $1,448 per year or $121 per month
• Compact luxury car insurance – Mercedes-Benz A220 insurance at $1,642 per year or $137 per month
• Compact luxury SUV – Acura RDX insurance at $1,432 per year or $119 per month
• Midsize luxury car – Acura ILX insurance at $1,538 per year or $128 per month
• Midsize luxury SUV – Cadillac XT5 insurance at $1,644 per year or $137 per month
• Full-size luxury car – Audi A5 insurance at $1,962 per year or $164 per month
• Full-size luxury SUV – Volvo XC90 insurance at $1,810 per year or $151 per month

The table below breaks out the top 50 cheapest vehicles to insure in Nevada from the 2022 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 - $2,532 per year or $211 per month
• Henderson Car Insurance - $2,222 per year or $185 per month
• Reno Car Insurance - $1,678 per year or $140 per month
• North Las Vegas Car Insurance - $2,434 per year or $203 per month
• Sparks Car Insurance - $1,666 per year or $139 per month
• Carson City Car Insurance - $1,480 per year or $123 per month
• Fernley Car Insurance - $1,458 per year or $122 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 $406 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 $174 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 $236 per year for a 40-year-old driver and $456 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 $263 per year versus a credit score ranging from 670-739. Conversely, a poor credit score could cost as much as $304 more per year.
• Teen drivers cost a lot to insure in Nevada. Average car insurance quotes for teen drivers in Nevada costs $5,982 per year for a 16-year-old driver, $5,588 per year for a 17-year-old driver, $5,218 per year for a 18-year-old driver, and $4,720 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 $2,326 per year for a 20-year-old driver and as much as $504 per year for a 60-year-old driver.
• Gender and age affect the rate you pay. For the average 2022 model year vehicle, a 20-year-old male driver pays an estimated $3,316 per year, while a 20-year-old female will pay an average of $2,462, a difference of $854 per year. The females get much better rates. But by age 50, the male rate is $1,520 and rates for female drivers are $1,492, a difference of only $28.