Nevada Car Insurance Cost for 2022

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 $1,672 per year, which is 7.8% less than the national average rate of $1,551. 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 $1,272, 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.

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Chart Data Details: Chart shows average Nevada car insurance rates for 2022 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 May 19, 2022
Average Car Insurance Cost in Nevada
Average Car Insurance Cost in Nevada
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,816$235
$500$3,316$276
$250$3,844$320
30$1,000$1,478$123
$500$1,760$147
$250$2,050$171
40$1,000$1,412$118
$500$1,672$139
$250$1,940$162
50$1,000$1,288$107
$500$1,520$127
$250$1,762$147
60$1,000$1,266$106
$500$1,494$125
$250$1,732$144

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 $4,194 per year for a 19-year-old female driver up to $5,980 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 $680 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 $1,526 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, 38.9% more than Idaho, 30.8% more than Oregon, 4.2% 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.

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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
Hawaii$1,036-$636
Washington$1,158-$514
Idaho$1,204-$468
Utah$1,258-$414
Oregon$1,278-$394
Alaska$1,338-$334
Wyoming$1,398-$274
Montana$1,484-$188
Colorado$1,626-$46
Nevada$1,672--
California$1,746$74

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 $1,272 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 2022 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-5$1,272$106
2Nissan Kicks$1,304$109
3Chevrolet Trailblazer$1,312$109
4Subaru Crosstrek$1,342$112
5Honda Passport$1,344$112
6Chevrolet Colorado$1,378$115
7Buick Encore$1,382$115
8Toyota C-HR$1,382$115
9Nissan Rogue Sport$1,394$116
10Hyundai Venue$1,418$118
11Buick Envision$1,420$118
12Kia Seltos$1,424$119
13Ford Maverick$1,428$119
14Acura RDX$1,432$119
15Toyota Corolla Cross$1,434$120
16Subaru Ascent$1,436$120
17Hyundai Kona$1,448$121
18Mazda MX-5 Miata$1,448$121
19Subaru Forester$1,448$121
20Subaru Impreza$1,450$121
21Volkswagen Tiguan$1,450$121
22Chevrolet Spark$1,456$121
23Honda CR-V$1,464$122
24Cadillac XT4$1,466$122
25Mazda CX-30$1,478$123
26Ford Ranger$1,484$124
27Honda HR-V$1,502$125
28Ford Edge$1,504$125
29Ford Ecosport$1,514$126
30Chevrolet Trax$1,532$128
31Subaru Outback$1,532$128
32Acura ILX$1,538$128
33GMC Terrain$1,538$128
34Mitsubishi Eclipse Cross$1,542$129
35Toyota Tacoma$1,550$129
36Hyundai Tucson$1,552$129
37Nissan Murano$1,552$129
38Honda Odyssey$1,558$130
39Chevrolet Bolt$1,560$130
40Chevrolet Equinox$1,560$130
41Toyota Venza$1,562$130
42Volkswagen Taos$1,566$131
43Fiat 500X$1,572$131
44Ford Explorer$1,572$131
45Kia Soul$1,580$132
46Toyota RAV4$1,580$132
47Kia Sorento$1,582$132
48Nissan Frontier$1,590$133
49GMC Canyon$1,602$134
50Hyundai Palisade$1,602$134

    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 March 24, 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 $414 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 $232 per year for a 40-year-old driver and $452 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 $5,980 per year for a 16-year-old driver, $5,586 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 $502 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.