Nevada Car Insurance Cost for 2023

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.

Start a Free QuoteCompare Nevada car insurance quotes and save on your next policy.

How much does car insurance cost in Nevada?

Nevada car insurance costs an average of $2,110 per year, which is 25.2% more expensive than the national average rate of $1,685. The average cost per month for car insurance in Nevada is $176 for full coverage.

Insurance rates for some of the most popular vehicles in Nevada include the Nissan Rogue at an average cost of $1,942 per year, the Mazda CX-5 at $1,656, the Toyota Camry at $2,004, the Chevrolet Equinox at $1,898, and the Ford F150 pickup at $2,146 per year.

The chart below shows average auto insurance cost in Nevada for all 2023 models. Rates are averaged for all Nevada Zip Codes and shown for five different driver age groups and three different policy deductible amounts.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Nevada car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Nevada zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Nevada
Average Car Insurance Cost in Nevada
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,554$296
$500$4,198$350
$250$4,876$406
30$1,000$1,864$155
$500$2,224$185
$250$2,600$217
40$1,000$1,780$148
$500$2,110$176
$250$2,454$205
50$1,000$1,624$135
$500$1,920$160
$250$2,230$186
60$1,000$1,596$133
$500$1,884$157
$250$2,190$183

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 $133 to $406.

Average car insurance rates for teenagers in Nevada ranges from $5,318 per year for a 19-year-old female driver up to $7,558 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 $866 each year.
  • Traffic violations like speeding tickets could increase your annual insurance cost by $554 or more, depending on the company.
  • A 40-year-old driver with a DUI/DWI or other serious conviction could pay as much as $1,942 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 $1,402 per year on car insurance in Nevada.

Is car insurance expensive in Nevada?

When compared to surrounding states, average Nevada car insurance costs 36.5% more per year than Utah, 68% more than Idaho, 28% more than Oregon, 1.1% less than California, and 30.4% more than Arizona.

When compared to states in other parts of the country, the average cost of auto insurance in Nevada is 28.8% more expensive than Texas, 36.5% more than Illinois, 3.9% cheaper than Florida, 11.5% more than Colorado, and 17.1% 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 2023 Honda Civic in Nevada is $2,066 per year. When compared to other states, the cost to insure a new Civic in Nevada is:

  • $454 per year more expensive than in Oregon ($1,612)
  • $554 per year more expensive than in Utah ($1,512)
  • $888 per year more expensive than in Hawaii ($1,178)
  • $24 per year cheaper than in California ($2,090)
  • $760 per year more expensive than in Alaska ($1,306)

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

Get Rates in Your AreaWhy is this important?

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
Hawaii$1,202-$908
Idaho$1,256-$854
Alaska$1,338-$772
Utah$1,546-$564
Wyoming$1,566-$544
Washington$1,596-$514
Montana$1,620-$490
Oregon$1,648-$462
Colorado$1,892-$218
Nevada$2,110--
California$2,134$24

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 Chevrolet Trailblazer ranks number one for cheapest insurance rates, costing an average of $1,596 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 2023 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
1Chevrolet Trailblazer$1,596$133
2Subaru Crosstrek$1,612$134
3Nissan Kicks$1,618$135
4Honda Passport$1,640$137
5Nissan Rogue Sport$1,646$137
6Mazda CX-5$1,656$138
7Buick Encore$1,680$140
8Buick Envision$1,688$141
9Kia Seltos$1,708$142
10Subaru Ascent$1,714$143
11Hyundai Venue$1,722$144
12Subaru Impreza$1,746$146
13Ford Maverick$1,752$146
14Honda HR-V$1,754$146
15Chevrolet Colorado$1,756$146
16Acura RDX$1,760$147
17Hyundai Kona$1,770$148
18Subaru Forester$1,780$148
19Honda CR-V$1,788$149
20Ford Edge$1,790$149
21Mazda CX-30$1,792$149
22Ford Explorer$1,796$150
23Volkswagen Atlas$1,802$150
24Chevrolet Trax$1,812$151
25Nissan Murano$1,812$151
26Subaru Outback$1,816$151
27Nissan Frontier$1,820$152
28Volkswagen Tiguan$1,830$153
29Ford Bronco Sport$1,836$153
30Fiat 500X$1,872$156
31Ford Ranger$1,872$156
32GMC Terrain$1,874$156
33Kia Soul$1,878$157
34Mitsubishi Eclipse Cross$1,880$157
35Volkswagen Atlas Cross Sport$1,882$157
36Lexus RX 350$1,890$158
37Acura Integra$1,894$158
38Chevrolet Equinox$1,898$158
39Cadillac XT4$1,902$159
40Toyota Corolla Cross$1,904$159
41Volkswagen Taos$1,912$159
42GMC Canyon$1,916$160
43Toyota Venza$1,922$160
44Mazda CX-50$1,924$160
45Honda Odyssey$1,928$161
46Volkswagen Jetta$1,928$161
47Toyota Tacoma$1,930$161
48Hyundai Tucson$1,932$161
49Ford Escape$1,934$161
50Kia Sorento$1,934$161

    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.Data last updated on December 30, 2022
    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 $644 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 $63 and $213 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 $276 per year for a 40-year-old driver and $538 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 $331 per year versus a credit score ranging from 670-739. Conversely, a poor credit score could cost as much as $384 more per year.
    • Teen drivers cost a lot to insure in Nevada. Average car insurance quotes for teen drivers in Nevada costs $7,558 per year for a 16-year-old driver, $7,068 per year for a 17-year-old driver, $6,604 per year for an 18-year-old driver, and $5,976 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 $2,954 per year for a 20-year-old driver and as much as $644 per year for a 60-year-old driver.
    • Gender and age affect the rate you pay. For the average 2023 model year vehicle, a 20-year-old male driver pays an estimated $4,198 per year, while a 20-year-old female will pay an average of $3,112, a difference of $1,086 per year. The females get much better rates. But by age 50, the male rate is $1,920 and rates for female drivers are $1,882, a difference of only $38.