- Nevada car insurance rates average $2,110 per year for full coverage, or about $176 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 $2,110 per year, which is 22.4% 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.
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 30.9% more per year than Utah, 50.7% more than Idaho, 24.6% more than Oregon, 1.1% less than California, and 26.4% more than Arizona.
When compared to states in other parts of the country, the average cost of auto insurance in Nevada is 25.2% more expensive than Texas, 30.9% more than Illinois, 4% cheaper than Florida, 10.9% more than Colorado, and 15.7% 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.
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.
- Compact car – Subaru Impreza insurance at $1,746 per year or $146 per month
- Compact SUV – Chevrolet Trailblazer insurance at $1,596 per year or $133 per month
- Midsize car – Subaru Legacy insurance at $1,942 per year or $162 per month
- Midsize SUV – Honda Passport insurance at $1,640 per year or $137 per month
- Full-size car – Chrysler 300 insurance at $2,058 per year or $172 per month
- Full-size SUV – Chevrolet Tahoe insurance at $1,976 per year or $165 per month
- Midsize pickup – Ford Maverick insurance at $1,752 per year or $146 per month
- Full-size pickup – Nissan Titan insurance at $2,088 per year or $174 per month
- Heavy duty pickup – GMC Sierra 2500 HD insurance at $2,162 per year or $180 per month
- Minivan – Honda Odyssey insurance at $1,928 per year or $161 per month
- Sports car insurance – Mazda MX-5 Miata insurance at $1,948 per year or $162 per month
- Compact luxury car insurance – Acura Integra insurance at $1,894 per year or $158 per month
- Compact luxury SUV – Acura RDX insurance at $1,760 per year or $147 per month
- Midsize luxury car – Cadillac CT5 insurance at $2,272 per year or $189 per month
- Midsize luxury SUV – Lexus RX 350 insurance at $1,890 per year or $158 per month
- Full-size luxury car – Audi A5 insurance at $2,366 per year or $197 per month
- Full-size luxury SUV – Volvo XC90 insurance at $2,178 per year or $182 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 - $2,752 per year or $229 per month
- Henderson Car Insurance - $2,428 per year or $202 per month
- Reno Car Insurance - $1,862 per year or $155 per month
- North Las Vegas Car Insurance - $2,652 per year or $221 per month
- Sparks Car Insurance - $1,852 per year or $154 per month
- Carson City Car Insurance - $1,656 per year or $138 per month
- Fernley Car Insurance - $1,636 per year or $136 per month
- Elko Car Insurance - $1,586 per year or $132 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 $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.
