Nevada Car Insurance FAQ - Quick Answers

The average annual cost for Nevada car insurance is $1,248, coming very close to the national average of $1,311 per year. If you're trying to find the lowest prices on the best coverage, consider working with a local adviser for cost-saving strategies. 

Every car insurance policy in Nevada will be different. However, there are several commonly obtained limits listed below.

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for a collision with an unavoidable object such as an animal.
  • Collision: Pays for a collision with another vehicle, animal, or property.

Nevada is what is known as an “at-fault,” or “tort,” state. This means the driver responsible for causing the car accident is responsible for the expense. You are required to carry the state minimum limits of insurance at $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability. 

In Nevada, 10.6% of drivers are currently without insurance. If you're not prepared with uninsured motorist coverage, then you won't have protection for your injuries or damage when involved in a car accident with an at-fault, uninsured driver.

When you're shopping for the best car insurance in your area, there are many options. In Nevada, Stillwater, Nationwide, Progressive, and Safeco insurance companies are used often. These carriers come highly recommended due to their claims service and coverage selections. 

Carriers use numerous risk factors when calculating your car insurance costs. Here are what insurance companies in Nevada look for when rating your coverage.

  • Age of drivers
  • Number of drivers
  • Motor vehicle reports
  • Types and costs of vehicles
  • Coverages selected
  • Number of years with prior carrier
  • Number of past claims reported

In Nevada, you must provide proof of insurance for driving the roadways, and also to register your vehicles. The coverage must be at the state minimum limits required by law.

Do You Know What Your Nevada Car Insurance Covers?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Las Vegas26.14.387.28
North Las Vegas27.74.455.37