Find the Best Car Insurance Quotes & Options in Nevada
Average costs of car insurance in Nevada per year are about $1,248, which is very close to the current national average of $1,311. Nevada ranks dead-center of the pack when it comes to car insurance rates in the US, at number 25. However drivers in Nevada will want to take care to potentially build a fuller policy than one that just encompasses the state's minimum requirements.
A Nevada independent insurance agent can work with you to build the right car insurance policy. You'll get set up with all the coverage you need most. Up first, here's an extensive breakdown of car insurance requirements and more in Nevada.
Best Car Insurance Companies in Nevada
When you want the right car insurance, you don't want to waste time looking for it in the wrong place. That's why we've made this list of only the best car insurance companies in Nevada, broken down by category and type. We selected the best Nevada car insurance companies for minimum liability coverage, full coverage, young drivers, drivers with accident histories, and the best overall. Check out these top-rated Nevada car insurance carriers.
- Best Nevada Car Insurance Company Overall: Country Financial
- Best Nevada Car Insurance Company for Minimum Liability: Country Financial
- Best Nevada Car Insurance Company for Full Coverage: Country Financial
- Best Nevada Car Insurance Company for Young Drivers: Nationwide
- Best Nevada Car Insurance Company for Accident History: Nationwide
A Nevada independent insurance agent can help you decide if coverage from any of these outstanding carriers is right for you.
Best Nevada Car Insurance Company Overall: Country Financial
The winner for the best Nevada car insurance company overall is Country Financial. Country Financial offers both minimum liability and full coverage policy options at some of the most affordable rates in the state. A full coverage auto policy from Country Financial starts at about $1,532 per year in Nevada.
Founded in 1925, Country Financial has nearly a century of experience behind it. The carrier offers many types of insurance for individuals and businesses. Coverage is currently only offered in 19 states.
Country Financial owns Country Life Insurance Company as well as its subsidiary, Country Investors Life Assurance Company. These carriers together currently have more than $70 billion of insurance in force. Country Financial has also been ranking on the Fortune 1000 list consistently for nearly 20 years. AM Best gives Country Financial an "A+" or excellent rating for financial strength.
|Average Monthly Insurance Cost: Full Coverage Policy||Average Annual Insurance Cost: Full Coverage Policy|
Best Nevada Car Insurance Company for Minimum Liability: Country Financial
The winner for the best Nevada car insurance company for minimum liability coverage only is Country Financial. Country Financial allows drivers to get just the state's required car insurance coverage at really reasonable prices. A minimum liability-only car insurance policy from Country Financial starts at about $902 per year in Nevada.
|Average Monthly Insurance Cost: Minimum Liability||Average Annual Insurance Cost: Minimum Liability|
Best Nevada Car Insurance Company for Full Coverage: Country Financial
The winner for the best Nevada car insurance company for full coverage is Country Financial. Country Financial allows drivers to get beyond just the state's minimum coverage required for rates that are still affordable, especially when compared to many other carriers in the state. A full-coverage auto insurance policy from Country Financial starts at about $1,554 per year in Nevada.
|Average Monthly Insurance Cost: Full Coverage Policy||Average Annual Insurance Cost: Full Coverage Policy|
Best Nevada Car Insurance Company for Young Drivers: Nationwide
The winner for the best Nevada car insurance company for young drivers, including teens and students, goes to Nationwide. Nationwide offers tons of discount options for young drivers and families with students on their policies. Car insurance rates from Nationwide annually average about $2,572 per year for male teens and $2,388 per year for female teens.
First founded in 1925, Nationwide has been in the insurance industry for almost a century. The insurance company has grown from a small car insurance company to one of the largest insurance and financial services companies across the world. Nationwide now has more than 10,000 employees.
For financial size, AM Best places Nationwide in the $2 billion or greater category. AM Best also awards Nationwide an "A+" or superior rating overall for financial strength. Nationwide also earned an impressive 876 out of 1,000 points on J.D. Power's Customer Satisfaction Survey recently.
|Average Monthly Insurance Cost: Young Drivers||Average Annual Insurance Cost: Young Drivers|
Best Nevada Car Insurance Company for Accident History: Nationwide
The winner for the best Nevada car insurance company for drivers with accident history is Nationwide. Nationwide allows drivers to still enjoy affordable car insurance even after they get an at-fault accident on their record. In Nevada, a full coverage car insurance policy for drivers with accident histories starts at about $140 per month from Nationwide.
|Average Monthly Insurance Cost: Drivers with Poor Records||Average Annual Insurance Cost: Drivers with Poor Records|
Nevada Car Insurance Requirements
Nevada's state law dictates that all drivers must at least carry minimum car insurance in order to drive legally. Failure to provide proof of insurance can result in state fines, jail time, or other harsh penalties. Make sure to at least be equipped with the following coverage in Nevada:
- Bodily injury liability: In Nevada, this coverage is required in the amounts of $25,000 per person and $50,000 per accident. Coverage pays the costs of medical treatment for another driver and their passengers after an accident you're at fault for.
- Property damage liability: In Nevada, this coverage is required in the amount of $20,000 per accident. Coverage pays the costs of repairs to a third party's personal property, like a vehicle, fences, etc., if you damage it with your car.
Optional car insurance types in Nevada are:
- Uninsured motorist coverage: Coverage can reimburse drivers for damage to their vehicle or medical treatment if the at-fault driver in the scenario doesn't have any or enough insurance to cover the victim's expenses.
- Gap coverage: Coverage can reimburse drivers for the difference between what their vehicle is worth and what they owe on the remaining vehicle loan after a collision.
- Roadside assistance: Coverage can reimburse drivers for the cost of towing services if they break down on the side of the road.
- Comprehensive: Coverage can reimburse drivers for costs after incidents other than collision, including incidents with large animals, windshield breaks, and more.
- Collision: Coverage can reimburse drivers for damage to their own vehicle after an accident they're at fault for.
- Personal injury protection: Coverage can reimburse drivers for their own medical expenses after an accident they're at fault for.
- Rental car reimbursement: Coverage can reimburse drivers for the cost of a rental car after a covered accident.
A Nevada independent insurance agent can help you build a complete car insurance policy.
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Average Cost of Car Insurance in Nevada
Car insurance costs in Nevada average $1,248 per year, which is only slightly below the current national average of $1,311. Nevada overall ranks number 25 in the country for car insurance rates, so right in the middle. Note that car insurance costs vary depending on several factors, like the value of your car, your driving history, your credit score, and others. A full coverage auto policy in Nevada starts at about $1,532 annually from more affordable carriers like Country Financial.
Average Nevada Car Insurance Costs By City
Your city is another factor that influences your car insurance rates. Cities that have higher crime rates, traffic rates, car values, or risk of severe weather often have higher costs for car insurance. In Nevada, drivers who live in the town of North Las Vegas pay the highest car insurance rates in the state, on average, at about $1,316 per year. However, drivers in the city of Henderson pay the lowest rates in the state for car insurance, on average, at about $1,058 per year.
Finding Car Insurance Discounts in Nevada
Car insurance discounts can help reduce the cost of your premiums. The available car insurance discounts will vary by insurance company, but there are several that are commonly offered by most carriers in Nevada. Check for these common car insurance discounts in Nevada.
- Military discount: Given to drivers who are active or retired military members.
- Anti-theft devices: Given to drivers whose vehicles are equipped with anti-theft devices that increase security, such as an alarm.
- Paperless billing: Given to drivers who sign up for paperless billing statements.
- Student driver discount: Given to drivers with households that have a student driver.
- Safe driver discount: Given to drivers with a clean track record with no accidents or traffic violations over the past few years.
- Other discounts: Given to drivers who belong to unions, groups, or the government, or who are teachers.
A Nevada independent insurance agent can help apply all the discounts you're eligible for to your car insurance policy to help save you the most money possible.
How to Find the Best Car Insurance Quote in Nevada
The easiest way to find the best car insurance quote in Nevada is to work with a local independent insurance agent. Nevada independent insurance agents can help you save the most money possible on your coverage, because they shop and compare policies from tons of different carriers for you. They'll present you with only the best options around. Working together with an agent is a great way to save both time and money when shopping for car insurance in Nevada.
How to File a Car Insurance Claim in Nevada
Filing a car insurance claim in Nevada only takes a few simple steps. Keep this guide handy in case you ever find yourself in need of filing a Nevada car insurance claim.
- Report accidents right away: If you've been involved in an accident, you'll need to report it to the police right away, ideally right from the scene.
- Get medical attention immediately: Be sure to get any injured parties the medical attention they deserve immediately, too.
- Call your Nevada agent: Your Nevada independent insurance agent can call your insurance company for you and file your car insurance claim from start to finish.
- Arrange for a rental: If you need a rental vehicle while yours undergoes repairs, arrange for this with your insurance company. It's possible your car insurance includes reimbursement for a rental car.
- Arrange with an adjuster: Finally, you'll probably need to schedule an in-person or virtual evaluation of your vehicle's damage by an insurance adjuster with your carrier.
A Nevada independent insurance agent can handle the entire car insurance claims process for you, if you prefer.