Cheap Nevada Auto Insurance for 2025

Nevada auto insurance is required by law, but getting the coverage you need can be a bit confusing. Understanding auto insurance makes it easier to buy the best Nevada auto insurance at the cheapest rate with confidence, so we have gathered everything you need to know about auto insurance in Nevada. 

To find affordable Nevada auto insurance right now, all you have to do is enter your ZIP code above. Our quoting tool will provide free Nevada auto insurance quotes from top companies.

Nevada Auto Insurance Requirements

In Nevada, the state liability coverage minimums are:

• Bodily Injury Liability Coverage – $25,000 per person
• Bodily Injury Liability Coverage – $50,000 per accident
• Property Damage Liability Coverage – $20,000 per accident

Optional coverage options in NV include:

• Comprehensive Coverage
• Collision Coverage
• Uninsured/Underinsured Motorist Coverage
• Medical Payments Coverage
• Rental Reimbursement Coverage
• Roadside Assistance / Towing Coverage
• GAP Coverage

When Nevada lawmakers created the state’s auto insurance laws, they went with the tort system, currently in use by 38 states including Nevada. In short, when an accident occurs, one of the drivers is determined to be the at-fault party – the one who caused the accident – and this person and their auto insurance are subject to claims and lawsuits.

The State of Nevada requires that drivers purchase a minimum amount of coverage for two different types of auto insurance coverage: bodily injury liability and property damage liability.

Bodily injury liability insurance covers the medical treatment and injury-related costs of the other party and their passengers when you are the at-fault party in an accident.

For instance, if Driver A causes a collision with Driver B and their medical claims total $25,000, Driver A and their insurance company will be required to pay this amount. State law requires that drivers have a minimum coverage of $25,000 per party, per accident and $30,000 for all parties in a single accident. It’s worth noting that with today’s high cost of medical treatment, this amount is considered somewhat low and is worth increasing if it’s in your budget.

Property damage liability insurance works much like the above-mentioned BIL insurance, except the purpose of PD.L is to cover the cost of damage to other parties’ property, including their car, when you are the ‘at fault’ party in an accident.

Using the above example, if the accident that Driver A caused did a total of $4,000 in body damage to Driver B’s car, Driver A’s Property Damage Liability insurance would pick up this cost. The minimum amount of PDL coverage that a driver in Nevada can have is $20,000. Again, this is somewhat low (imagine a high-speed crash which totals a luxury car) and is worth increasing if you can afford to.

Nevada Auto Insurance Rates

Unfortunately for drivers in Nevada, while the state is below average in population it is slightly higher than average for auto insurance rates, which makes it a little harder to find affordable auto insurance. As of July 2011, it cost an average of $1,543 for a year’s worth of auto insurance in the state; this is about $100 per year higher than the national average of $1,440.

As one might expect, it costs considerably more to insure an auto inside of Nevada’s major cities, especially Las Vegas.

Las Vegas has a current average rate of $6,600 per year for auto insurance – or about $550 per month. Residents of Reno are looking at a much lower average of $3900 for a year’s worth of insurance.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

Nevada Auto Insurance Companies 

Rates in Nevada are fairly high, so it helps to check which company can offer rates below the average.

But which companies are the largest, holding the most market share percentage in the region?

Relevant Nevada Driving Statistics

While Nevada ranks in the top ten states in the nation for auto crashes, the state has done a remarkable job of reducing accidents and improving driver safety in recent years. State lawmakers made the crash problem a high priority for law enforcement, and as the trends show, the focus is proving to have positive effects. 2009 saw a total of 53,151 vehicle crashes, with 223 of those resulting in fatalities.

The total crash number is quite high, given that Nevada is the 35th most populated state, but when compared to 2007’s total of 62,254 crashes and 341 fatalities, it’s clear that the trend is steeply downward. With a continued focus by law enforcement – and drivers – on improving traffic safety, the crash rates will continue downward, as will the state’s above-average auto insurance prices.

There is little in the way of good news when it comes to the auto theft plague that has been Nevada’s curse for more than a decade. While the state has managed to reduce the number of auto thefts by 50% between 2006 and 2009, Nevada is still ranked #2 in the nation for vehicle theft. So if you live in Nevada, you may want to invest in a car with anti-theft recovery systems. 

In 2009, just 12,379 vehicles were reported stolen, down from 15,918 in 2008 and down from an astronomical 26,961 in 2006. The 2009 numbers give Nevada a rate of 468.4 auto thefts per 100,000 residents, good enough to hold down the 2nd highest rate in the nation for a 5th straight year.

As the huge decline in auto theft numbers over the past three years shows, Nevada law enforcement is making it a priority to prevent cars from being stolen. Until the state manages to climb down from its high ranking, auto insurance costs will continue to be above the national average (and very high in Las Vegas).

Nevada Auto Insurance Agents Directory

If you’re looking for a Nevada auto insurance agent, check out the list below.

Nevada Auto Insurance Agents

• Get Affordable Blue Diamond, NV Auto Insurance Quotes (2025)
• Get Affordable Fallon, NV Auto Insurance Quotes (2025)

Additional Nevada Automobile Insurance Resources

The following official sources can help with additional questions.

• Nevada Department of Motor Vehicles Official Site
• Insurance – Nevada Department of Motor Vehicles
• Nevada Division of Insurance
• Consumers – Nevada Division of Insurance – State of Nevada
• Nevada Highway Safety Laws (GHSA)

Best Nevada Auto Insurance Quotes

To help Nevada residents find the best deals on auto insurance, 4AutoInsuranceQuote.com has built a tool that scours through the rates of the many auto insurance companies that operate in the state.

Ready to buy Nevada auto insurance? To compare the best Nevada auto insurance rates, enter your ZIP code below. 

Best Auto Insurance Agents in Nevada

Embark on your search for reliable auto insurance in Nevada with confidence as we reveal the state’s leading agents, renowned for their exceptional service, competitive rates, and comprehensive coverage options to ensure your peace of mind.