- Nevada car insurance rates average $2,150 per year for full coverage, or about $179 on a monthly basis.
- Nevada ranks 10th 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 $1,900 per year.
How much does car insurance cost in Nevada?
Nevada car insurance costs an average of $2,150 per year, which is 21.8% more expensive than the national average rate of $1,728. The average cost per month for car insurance in Nevada is $179 for full coverage.
Insurance rates for some of the most popular vehicles in Nevada include the Nissan Rogue at an average cost of $1,978 per year, the Mazda CX-5 at $1,690, the Toyota Camry at $2,042, the Chevrolet Equinox at $1,934, and the Ford F150 pickup at $2,184 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.
|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 $136 to $414.
Average car insurance rates for teenagers in Nevada ranges from $5,414 per year for a 19-year-old female driver up to $7,696 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 $884 each year.
- Traffic violations like speeding tickets could increase your annual insurance cost by $562 or more, depending on the company.
- A 40-year-old driver with a DUI/DWI or other serious conviction could pay as much as $1,976 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 $1,430 per year on car insurance in Nevada.
Is car insurance expensive in Nevada?
When compared to surrounding states, average Nevada car insurance costs 30.3% more per year than Utah, 49.6% more than Idaho, 24.3% more than Oregon, 1% less than California, and 26% more than Arizona.
When compared to states in other parts of the country, the average cost of auto insurance in Nevada is 24.8% more expensive than Texas, 30.2% more than Illinois, 3.5% cheaper than Florida, 10.8% more than Colorado, and 15.5% 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 $2,106 per year. When compared to other states, the cost to insure a new Civic in Nevada is:
- $456 per year more expensive than in Oregon ($1,650)
- $556 per year more expensive than in Utah ($1,550)
- $892 per year more expensive than in Hawaii ($1,214)
- $22 per year cheaper than in California ($2,128)
- $758 per year more expensive than in Alaska ($1,348)
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.
|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 Chevrolet Trailblazer ranks number one for cheapest insurance rates, costing an average of $1,626 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 $1,780 per year or $148 per month
- Compact SUV – Chevrolet Trailblazer insurance at $1,626 per year or $136 per month
- Midsize car – Subaru Legacy insurance at $1,980 per year or $165 per month
- Midsize SUV – Honda Passport insurance at $1,670 per year or $139 per month
- Full-size car – Chrysler 300 insurance at $2,096 per year or $175 per month
- Full-size SUV – Chevrolet Tahoe insurance at $2,014 per year or $168 per month
- Midsize pickup – Ford Maverick insurance at $1,784 per year or $149 per month
- Full-size pickup – Nissan Titan insurance at $2,124 per year or $177 per month
- Heavy duty pickup – GMC Sierra 2500 HD insurance at $2,200 per year or $183 per month
- Minivan – Honda Odyssey insurance at $1,964 per year or $164 per month
- Sports car insurance – Mazda MX-5 Miata insurance at $1,986 per year or $166 per month
- Compact luxury car insurance – Acura Integra insurance at $1,928 per year or $161 per month
- Compact luxury SUV – Acura RDX insurance at $1,794 per year or $150 per month
- Midsize luxury car – Cadillac CT5 insurance at $2,312 per year or $193 per month
- Midsize luxury SUV – Lexus RX 350 insurance at $1,924 per year or $160 per month
- Full-size luxury car – Audi A5 insurance at $2,410 per year or $201 per month
- Full-size luxury SUV – Volvo XC90 insurance at $2,218 per year or $185 per month
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.
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 - $2,790 per year or $233 per month
- Henderson Car Insurance - $2,468 per year or $206 per month
- Reno Car Insurance - $1,902 per year or $159 per month
- North Las Vegas Car Insurance - $2,692 per year or $224 per month
- Sparks Car Insurance - $1,888 per year or $157 per month
- Carson City Car Insurance - $1,696 per year or $141 per month
- Fernley Car Insurance - $1,672 per year or $139 per month
- Elko Car Insurance - $1,626 per year or $136 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 $646 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 $65 and $217 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 $284 per year for a 40-year-old driver and $552 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 $338 per year versus a credit score ranging from 670-739. Conversely, a poor credit score could cost as much as $391 more per year.
- Teen drivers cost a lot to insure in Nevada. Average car insurance quotes for teen drivers in Nevada costs $7,696 per year for a 16-year-old driver, $7,198 per year for a 17-year-old driver, $6,722 per year for an 18-year-old driver, and $6,084 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 $3,006 per year for a 20-year-old driver and as much as $652 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 $4,276 per year, while a 20-year-old female will pay an average of $3,168, a difference of $1,108 per year. The females get much better rates. But by age 50, the male rate is $1,958 and rates for female drivers are $1,918, a difference of only $40.