Nevada Car Insurance

What to Know About Nevada Car Insurance

Find the right car insurance policy for you.

Many Western states have car insurance premiums that are lower than the national average, and that also true of Nevada. It is very important for vehicle owners to compare Nevada car insurance companies to get the best possible price for good coverage.

Do you need some help finding the right Nevada auto insurance policy at the right price?Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Nevada Car Insurance Costs

  • National average cost per year: $1,474
  • Nevada average cost per year: $1,388
  • 23rd most expensive premiums in the US

The most recent information available as of 2017 shows that Nevada average premium costs are pretty close to the national average. To find out what your rate will be for Nevada car insurance, get a quote from a reputable insurer. Make sure you’re getting the best rates by comparing a few quotes, which is something an independent agent can help you tackle.

Nevada Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 25/50/20
    • Coverage up to $30,000 for all persons injured in an accident, subject to a limit of $15,000 for one individual, and $10,000 coverage for property damage.

Nevada state law requires vehicle owners to purchase policies with these minimum liability limits. Penalties for ignoring the law include fines and loss of driving privileges and vehicle registration. Paying penalties does not relieve offenders of responsibility for accidents or securing required Nevada car insurance coverage in the future.

Nevada Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Nevada uninsured motorists: 12.2%
  • Nevada average vehicle repair cost: $2,218

The ratio of uninsured Nevadans is close to the national average. An uninsured driver is a risky person to get into an accident with; if the driver without the required coverage is at-fault, there’s no guarantee that you’ll get compensated for your loss.

Nevada does not require uninsured motorist coverage, but your agent may suggest this policy option as a way to protect you if your vehicle is damaged by an uninsured driver.

Number of Thefts in Nevada

  • National car theft rate (per 1,000 registered vehicles): 2.94
  • Nevada car theft rate (per 1,000 registered vehicles): 4.86

The rate of car thefts in Nevada is much higher than the national average. The National Insurance Crime Bureau lists the Las Vegas metropolitan area as No. 18 in a list of the 100 cities with the highest theft rates, and the Reno area is also mentioned as No. 103 on the list of cities with high rates of vehicle thefts.

The rate has decreased in recent years. Comprehensive insurance can help vehicle owners protect their investments by covering loss and damage due to vehicle thefts.

Find and Compare Nevada Auto Insurance Quotes

Your Trusted Choice member agent can help you find the right Nevada car insurance company and plan for your needs. An independent agent can help you compare quotes and determine the right amount of coverage for you. Your local agent can save you money and time when you need good Nevada auto insurance.

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