Commonly Asked Questions about Car Insurance in Nevada

On average, Nevada drivers pay $1,248 a year for car insurance. This is lower than the national average cost of $1,311 a year. Shopping around for the best rate has the potential to save you hundreds of dollars a year.

Independent insurance agents can help by obtaining customized quotes from multiple insurance companies for you. That way, you can be sure you are getting the coverage you need at a competitive price. 

Accidents can happen to anyone. If you are involved in a crash, here are a few of the ways that your Nevada auto insurance can help:

  • Fixes your car: Not required. This is called "comprehensive & collision coverage," and though it is not required by the state of Nevada, it may be required by your lender.
  • Fixes someone else's car: Required/minimum $20,000. This is called "property damage liability." 
  • Pays your medical bills: Not required. This is called "personal injury protection" or "PIP." 
  • Pays someone else's medical bills: Required/minimum $25,000 per person and $50,000 per accident.

As a Nevada driver, you're required to have certain types of insurance coverage at specific limits. These coverages will pay for someone else's vehicle damage and medical bills for yourself and others involved in an accident. Most states have similar laws to make sure drivers are prepared for accidents they are involved in.

Nevada is what is known as an “at-fault,” or “tort,” state. This means that the driver who caused the accident is responsible for covering the cost of damage.

Driving without insurance is illegal in Nevada. If you are caught driving without insurance in this state, you can face penalties that include fines of $250 to $1,000 and potential suspension of your driving privileges.

Still, an estimated 10.6% of all drivers in Nevada are operating uninsured vehicles. While this number is quite high, it is lower than the national average rate of 13%.

Opting to purchase uninsured motorist insurance can provide you with protection if you are in an accident caused by an uninsured driver.

Instead of needing to go through lengthy legal channels in an attempt to collect what is owed to you, you can receive compensation right away. Then your insurance company will take on the difficult task of trying to recoup the funds owed by the at-fault driver.

When it comes to car insurance, there is no specific insurance company that is the best option for everyone. The company that offers you the best rate for coverage might not be the right choice for your neighbor.

That is why independent agents compare policies and rates from a variety of trusted insurance companies. That way, they can find the policy that offers the coverage you need at the most competitive price.

Yes! There are currently 142 independent insurance agents in Nevada who are ready to help.

Because they are not tied to a single insurance provider, these agents can shop around to find you reliable coverage at a competitive rate. Contact an insurance agent near you to discover how easy it can be to get car insurance at a great price.

How does car insurance actually work?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 25.4 Min

National average car thefts per 1,000 2.94 Year

National average car insurance cost $1318 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Carson City55,9166,630n/a
Enterprise164,3147,897n/a
Fernley21,476852n/a
Henderson320,18925,9063.37
Las Vegas651,31955,8567.28
North Las Vegas251,97413,0705.37
Pahrump36,1742,328n/a
Paradise233,68920,828n/a
Reno255,60121,5774.25
Sparks105,0066,1935.57
Spring Valley199,72217,658n/a
Summerlin South27,5062,586n/a
Sunrise Manor192,9349,812n/a
Whitney43,0721,852n/a
Winchester28,3313,908n/a
  1. $107
  2. Las Vegas, NV Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Las Vegas is $107.
  4. This average rate can only serve as a baseline to give you an idea of what you might be expected to pay. Your actual monthly cost could be higher or lower than this amount, because insurance companies consider such things as your age, gender, and driving record as well as details about your vehicle when they calculate a personalized car insurance quote for you.
  5. The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Las Vegas have some of the longest commute times in the state, and much of this time is spent on congested roadways where accidents occur frequently. The time you spend getting to and from work can translate to higher costs for car insurance. If you work from home or use public transportation, you may be entitled to discounts on your coverage.
  6. An independent insurance agent in Las Vegas can help you get low rates for your car insurance by comparison shopping and by ensuring that you get any policy discounts for which you may qualify.


  1. $88
  2. Henderson, NV Car Insurance average monthly cost
  3. The average monthly cost of auto insurance in Henderson is $88.
  4. When calculating your actual rate, insurance companies will take several factors into consideration, including your vehicle’s make, model and year, and your age, driving record, and claims history. This means your monthly cost could be significantly higher or lower than this average depending on how much of a risk you present.
  5. There are a few parts of Henderson that are particularly hazardous for area drivers. One of the most dangerous roads is SR 582 (or, “Boulder Highway”), which connects Henderson with Greater Las Vegas; and one of the worst intersections is Southeastern Avenue & St. Rose Parkway. Of course, collisions can occur anywhere. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not need to worry that an accident will have a negative impact on your finances.
  6. As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you are at fault for the accident. Talk to a local independent insurance agent to learn more.


  1. $93
  2. Reno, NV Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Reno is $93.
  4. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a number of factors such as your age, driving record, and claims history as well as details about the vehicle(s) you wish to insure. Let an independent insurance agent compile a variety of customized Reno car insurance quotes so you can find the policy that offers the best value for your hard-earned money.
  5. Can you imagine walking out of the Meadowood Mall only to discover that your car has been stolen? As a resident of Reno, where residents report more than 1,000 auto thefts in a typical year, this is a valid concern. That is one of the many reasons why many vehicle owners opt to include comprehensive coverage in their auto insurance policies. This optional coverage can cover the costs associated with having your car stolen.
  6. Learn more about what comprehensive insurance can do for you by consulting an independent insurance agent in Reno.


  1. $100
  2. Paradise, NV Car Insurance average monthly cost
  3. The average monthly cost of auto insurance in Paradise is $100.
  4. Your Paradise car insurance rates are customized according to your personal details. Because of this, your actual monthly cost could be considerably higher or lower than the city’s average rate. Your driving record, your vehicle’s year, make and model, and the amount of coverage you want to purchase are just some of the many factors that can influence how insurance companies calculate your price.
  5. The state of Nevada ranks 11th in the nation when it comes to pedestrian deaths due to being hit by motor vehicles. In 2018, Flamingo Road in Paradise saw the most pedestrian fatalities in the state. If you accidentally hit a pedestrian while driving your car, the resultant medical bills, lost wages, and other expenses for which you may be held responsible can be quite costly and can easily exceed what a minimum-coverage car insurance can pay for. That is why it is a good idea to purchase higher levels of bodily injury liability insurance than the state requires.
  6. Talk to an independent agent in Paradise to learn more about liability insurance and to find out how much coverage you can reasonably afford.


  1. $99
  2. Spring Valley, NV Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Spring Valley is $99.
  4. You should, however, take this average with a grain of salt. Your actual monthly cost could be higher or lower than this amount since your Spring Valley auto insurance rate is completely personalized according to a number of details such as your driving history, vehicle information, deductible amount, and more.
  5. Whether you find yourself in a multi-vehicle collision on the Bruce Woodbury Beltway or you get in a minor accident on S. Rainbow Boulevard, a good car insurance policy can cover your costs. By purchasing a policy that includes collision coverage, you can be sure that damage to your vehicle is covered, even if the accident is your fault.
  6. Learn more about collision coverage as well as the other optional coverage available to you by speaking with one of Spring Valley’s experienced independent agents.