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.

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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.

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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 August 11, 2023
Average Car Insurance Cost in Nevada
Average Car Insurance Cost in Nevada
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.

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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

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.

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$1,626$136
2Subaru Crosstrek$1,642$137
3Nissan Kicks$1,648$137
4Honda Passport$1,670$139
5Nissan Rogue Sport$1,676$140
6Mazda CX-5$1,690$141
7Buick Encore$1,712$143
8Buick Envision$1,720$143
9Kia Seltos$1,742$145
10Subaru Ascent$1,748$146
11Hyundai Venue$1,752$146
12Subaru Impreza$1,780$148
13Ford Maverick$1,784$149
14Honda HR-V$1,786$149
15Chevrolet Colorado$1,788$149
16Acura RDX$1,794$150
17Hyundai Kona$1,804$150
18Subaru Forester$1,812$151
19Ford Edge$1,822$152
20Honda CR-V$1,822$152
21Mazda CX-30$1,826$152
22Ford Explorer$1,832$153
23Volkswagen Atlas$1,836$153
24Chevrolet Trax$1,846$154
25Nissan Murano$1,846$154
26Subaru Outback$1,852$154
27Nissan Frontier$1,854$155
28Volkswagen Tiguan$1,866$156
29Ford Bronco Sport$1,872$156
30Fiat 500X$1,906$159
31Ford Ranger$1,906$159
32GMC Terrain$1,910$159
33Kia Soul$1,912$159
34Mitsubishi Eclipse Cross$1,916$160
35Volkswagen Atlas Cross Sport$1,918$160
36Lexus RX 350$1,924$160
37Acura Integra$1,928$161
38Chevrolet Equinox$1,934$161
39Cadillac XT4$1,940$162
40Toyota Corolla Cross$1,940$162
41Volkswagen Taos$1,946$162
42GMC Canyon$1,950$163
43Toyota Venza$1,958$163
44Mazda CX-50$1,960$163
45Volkswagen Jetta$1,962$164
46Honda Odyssey$1,964$164
47Toyota Tacoma$1,964$164
48Hyundai Tucson$1,966$164
49Ford Escape$1,970$164
50Kia Sorento$1,972$164

    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 August 12, 2023
    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 $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.