7 Best Car Insurance Companies in Nevada of 2022

Learn about the best car insurance companies in Nevada, including information about prices, discounts, coverage, and how much insurance to buy to protect yourself.
Nevada, Vegas

Every Nevada driver needs car insurance to protect them if something happens to damage or destroy their car, including everything from collisions to theft to injuries to themselves or passengers in their vehicles.

If you live in a big city like Las Vegas or Henderson, or a small town like Elko or Silver Springs, having car insurance will give you peace of mind and confidence every time you get behind the wheel.

Nevada is an at-fault state, also known as a tort state, which means that any motorist determined not to be at fault for a collision may sue the other driver.

Drivers in Nevada must purchase car insurance adhering to the 25/50/20 rule, which means they must buy, at minimum, the following coverages.

  • $25,000 in bodily injury coverage per person
  • $50,000 in bodily injury coverage per accident
  • $20,000 in property damage coverage

Many of Silver State’s drivers purchase coverage above the minimum requirements to ensure they are protected.

As we reveal the top insurance companies in Nevada, we’ll share costs for each one; but for now, you need to know that the average monthly cost of car insurance in Nevada is about $73 per month for minimum coverage, and the overall average (including drivers who have paid for higher limits) is about $150 per month.

We have researched and ranked the best car insurance companies in Nevada so you can compare and choose the best option.

Best Car Insurance Companies in Nevada

  • Allstate: Best for Custom Parts Coverage
  • State Farm: Best for Affordable Coverage
  • Progressive: Best for Safe Drivers
  • GEICO: Best for Discounts
  • Travelers: Best for New Vehicles
  • Country Financial: Best for Customer Service
  • USAA: Best for Military Families

Allstate: Best for Custom Parts Coverage

Editors star rating review
5.0
Editor's Rating (5 Stars out of 5)

Allstate is a large company with a long history of providing reliable and dependable car insurance to American drivers.

We chose them for our list because they’re the only company to offer add-on coverage for custom parts, including carpeting, bars, portable electronics, and media.

We also like them because they offer DriveWise, a telematics program, which can be used to track good driving habits and help drivers save on their insurance.

The average cost of full coverage insurance with Allstate is $215 per month in Nevada, which is higher than the state average; however, you can save if you can qualify for the Safe Driver Club.

What Nevada Car Insurance Discounts Are Available with Allstate?

Allstate offers many potential discounts to help Nevada drivers save money.

  • Driving Discounts. You can get discounts if you use DriveWise to track telematics and qualify for the Safe Driver Club; there’s also a smart student discount.
  • Policy Discounts. Discounts in this category include policy bundling, a multi-vehicle discount, signing up for ePolicy or EZ-pay, buying your policy early, paying your monthly premiums on time, or paying your entire annual premium in advance.
  • Vehicle Discounts. You can get a discount for being the first owner of a current or previous-year model, a car with anti-lock brakes, or installing an anti-theft device in your car.

Allstate Car Insurance Pros & Cons

Pros
  • Allstate offers special parts coverage as an add-on, which will provide protection if you have custom parts and features in your car.
  • Allstate has the best telematics program of any company on our list and the savings can be substantial.
Cons
  • Average costs are higher than other companies on our list.
  • Allstate has a slightly-higher-than-average volume of customer complaints.
How is Allstate Car Insurance Rated?
J.D. Power (out of 1,000)826
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index4.04
BBBA-

State Farm: Best for Affordable Coverage

Editors star rating review
4.5
Editor's Rating (4.5 Stars out of 5)

State Farm is the largest provider of car insurance in the United States, with a century of experience protecting America’s drivers.

While there are many things we like about State Farm, we selected them as one of the best car insurance companies in Nevada because they have the lowest prices for both basic and full coverage.

We also appreciate State Farm’s generous car insurance discounts, including discounts for vehicle safety features and safe driving.

The average monthly cost of full coverage auto insurance in Nevada with State Farm is just $100 per month, putting it well below the state average.

What Car Insurance Discounts Does State Farm Offer?

State Farm offers discounts on car insurance in three major categories, as follows.

  • Safe Driving. State Farm offers its Steer Clear program to drivers under 25; other discounts include accident-free driving, completing a defensive driving course, or the Drive Safe & Save discount.
  • Safe Vehicle. You can qualify for discounts if your vehicle has installed airbags or an anti-theft device.
  • Policy Bundling. State Farm has one of the most generous policy bundling discounts around, giving policyholders a break if they bundle auto insurance with homeowners, life, or renters insurance; you’ll also save if you insure multiple vehicles.

State Farm Car Insurance Pros & Cons

Pros
  • There are generous discounts for policy bundling and insuring multiple cars.
  • State Farm offers two discounts to help young people save: Steer Clear and Drive Safe & Save.
  • State Farm’s average cost for Nevada car insurance is significantly lower than the state average.
  • The standard policy includes reimbursement for rental cars.
  • You can purchase additional coverage that will pay if you need to stay in a hotel or pay for meals if you’re stranded 50 or more miles from home.
Cons
  • State Farm does not offer gap coverage.
  • Quotes are not available online and must be obtained through a State Farm agent.
How is State Farm Car Insurance Rated?
J.D. Power (out of 1,000)814
A.M. Best - Financial Strength RatingA++
BBBA+
NAIC Complaint Index4.29

Progressive: Best for Safe Drivers

Editors star rating review
4.5
Editor's Rating (4.5 Stars out of 5)

Progressive Insurance has proven itself to be a reliable source of affordable car insurance and often beats other carriers on price.

We chose them for our list because they have a robust good driving program called Progressive Snapshot, which uses a mobile device to track driving behavior and help safe drivers earn discounts.

We also like that Progressive has reasonable prices for drivers who have been involved in an accident or have a DUI on their record, both things that can substantially increase costs with any insurance company.

The average cost for full coverage car insurance in Nevada is $175 per month, but good drivers can save by layering multiple discounts, and you can even get an affordable quote with an accident or DUI on your record.

What Car Insurance Discounts Does Progressive Provide?

Progressive offers various car insurance discounts to help Nevada drivers save money.

  • Loyalty discounts. Progressive provides loyalty discounts in three forms: policy bundling, continuous coverage, and multi-vehicle coverage.
  • Driver discounts. Safe drivers can use Progressive Snapshot to save, and the company also offers discounts for teen drivers, student drivers who live more than 100 miles from home, a good student discount, and a special discount for homeowners.
  • Other discounts. You can qualify for additional discounts if you obtain your quote, buy your policy online, sign up for paperless billing, or enroll in automatic payments.

Progressive Car Insurance Pros & Cons

Pros
  • Quotes are easy to get online or via a mobile device.
  • Progressive offers an easy way for safe drivers to save with Progressive Snapshot.
  • Pet injury insurance is included when you buy collision insurance.
  • Competitive rates are available for drivers with DUIs or accidents on their records.
  • Available add-ons include rental car reimbursement and roadside assistance.
  • Uninsured/underinsured motorist coverage can be added to your policy.
Cons
  • Coverage for teenagers may be higher than with other car insurance companies.
  • Progressive has received a slightly-above-average volume of customer complaints.
How is Progressive Car Insurance Rated?
J.D. Power (out of 1,000)803
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index2.24

GEICO: Best for Discounts

Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

GEICO is the second largest car insurance company in the US, issuing its first car insurance policy in 1936.

We chose GEICO because the company offers many discounts that can be layered to maximize savings on car insurance.

We also like that GEICO’s full coverage is some of the best in the state and offers considerable protection to drivers who purchase it.

The average monthly cost of full coverage insurance with GEICO is $180 per month, but it’s possible to pay far less with discounts.

Read a full GEICO car insurance review.

What Nevada Car Insurance Discounts Are Available with GEICO?

GEICO offers affordable car insurance, which is partly due to the significant number of discounts they provide in the following categories.

  • Customer Loyalty. GEICO provides a multiple-policy discount plus a multi-vehicle discount of as much as 25%.
  • Driver Education. Discounts in this category include completion of defensive driving or Driver’s Education course, plus a good student discount of up to 15%
  • Driver History and Habits. Any driver who goes 5+ years without an accident can save up to 22%, and there’s an additional discount for regular seat belt use.
  • Driver Affiliation. There are discounts for military members, federal employees, first responders, and certain other groups, which may total 10% or more.
  • Vehicle Equipment. There’s a 15% discount for insuring a new vehicle and additional discounts for cars with airbags, anti-lock brakes, daytime running lights, or an anti-theft system.

GEICO Car Insurance Pros & Cons

Pros
  • GEICO offers a huge array of potential discounts to help you save.
  • Accident forgiveness is free for drivers who have been claims-free for 5+ years.
  • There’s a free app that you can use to file and track claims.
  • There are low rates available even for drivers with poor credit.
  • It’s easy to get a quote and purchase coverage online.
  • You can use Alexa or your Google Assistant to access policy details.
Cons
  • Local service is sometimes limited.
  • Phone support is only available in emergency situations.
  • We wish GEICO offered more add-on options for drivers.
How is GEICO Rated?
J.D. Power (out of 1,000)824
A.M. Best - Financial Strength RatingA++
BBBA+

Travelers: Best for New Vehicles

Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Travelers Insurance is the second-largest property & casualty insurance company in the United States and holds a place in the Fortune 500.

We chose them for our list of the best car insurance companies in Nevada because they are the best option for people with new cars and provide new car replacement coverage.

We also appreciate Travelers’ streamlined and user-friendly claims process, which makes the process of filing a claim as stress-free as possible.

Travelers’ average premium for total coverage is $165 per month, putting it just slightly above the Nevada state average.

What Car Insurance Discounts Does Travelers Insurance Offer?

Travelers Insurance makes a variety of discounts available to policyholders in these three categories.

  • Bundling. You’ll get a discount if you bundle your car insurance with property insurance (up to 13%), insure multiple vehicles, or for owning a home.
  • Car and Driver. There are discounts if you buy a new car or a hybrid/electric car, maintain a safe driving record, complete a driver safety course, or insure a young driver who has a good GPA or has gone away to college and is not driving.
  • Pay and Policy. Several discounts in this category include paying your annual policy in advance, signing up for automatic payments, maintaining continuous coverage, or buying a new policy with Travelers before your existing policy expires.

Travelers Insurance Pros & Cons

Pros
  • Travelers offers a wide array of policy add-ons, including gap coverage, new car replacement, and roadside assistance.
  • Travelers has received excellent reviews for its customer support and claims paying process.
  • It’s possible to save a lot of money by layering multiple discounts.
Cons
  • While the company’s claims-paying ability has received good reviews, Travelers Insurance has received more than the average number of customer complaints.
  • The average cost for full coverage insurance is slightly above the Nevada state average.
How is Travelers Car Insurance Rated?
J.D. Power (out of 1,000)824
A.M. Best - Financial Strength RatingA++
BBBA
NAIC Complaint Index3.88

Country Financial: Best for Customer Service

Editors star rating review
4.0
Editor's Rating (4 Stars out of 5)

Country Financial was founded by a group of farmers back in 1925 and has dedicated itself to providing excellent customer support and affordable prices.

We chose them for our list because they have the highest customer satisfaction ratings out of all the companies we reviewed.

We also appreciate their affordable prices and unique discounts, including a special discount for engaged couples who want to insure multiple vehicles.

The average annual cost of full coverage car insurance with Country Financial in Nevada is just $1,555 per year, below the state average.

What Renters Insurance Discounts Are Available with Country Financial?

Country Financial offers Nevada drivers many ways to save on car insurance with discounts in the following categories.

  • Loyalty. Get a discount if you buy two or more policies, insure multiple cars, are engaged to be married, or have parents who have qualified for a bundling discount.
  • Driver. You can save if you are a student driver with good grades, go three years without an accident or a ticket by completing Country Financial’s Simply Drive course or a state-approved defensive driving course, or if you’re a first responder or a teacher.
  • Car Safety. Get a discount if you have an installed anti-theft device.
  • Advance Quote. Get your quote before your current policy expires to save.

Country Financial Car Insurance Pros & Cons

Pros
  • There are many unique discount options to help Nevada drivers save on car insurance.
  • The company has received the highest customer service ratings of any company on our list.
  • The annual cost of full coverage insurance is below the Nevada state average.
Cons
  • Coverage is only available in 19 states and may not be ideal for people who relocate frequently.
  • The company’s mobile app could be improved.

USAA: Best for Military Families

Editors star rating review
5.0
Editor's Rating (5 Stars out of 5)

USAA got its start selling insurance to military service members back in 1922 when service members were seen as a high-risk group who deserved to pay high prices for insurance.

We chose USAA for our list because they offer the best coverage for US military service members, with some unique benefits that include discounts on travel and car care.

We also appreciate that USAA is considered one of the most affordable car insurance companies in the US and has received high marks for its ethics.

The average monthly cost for USAA car insurance in Nevada is just $55 for basic coverage.

What Renters Insurance Discounts Are Available with USAA?

USAA provides a strong selection of car insurance discounts, including some that are specifically designed to help service members save on their insurance.

  • Loyalty. Save if you bundle your car insurance with another insurance policy, if you insure more than one vehicle, or if your parents are USAA members.
  • Driving Habits. There are discounts available if you have low annual mileage, place your car in storage, go 5 years without an accident, or if your teen driver gets good grades.
  • Policy. You’ll earn discounts if you sign up for automatic payments.
  • Safety. Get discounts if your car has installed safety features or is less than three years old.
  • Military. Get a special discount if you garage your car on a military base.

USAA Car Insurance Pros & Cons

Pros
  • There are special perks available to USAA members, including discounts on travel and products.
  • There’s a unique discount available to military members who garage their vehicles on a military base.
  • The cost of car insurance is low compared to the state average.
  • USAA receives excellent marks for its ethics and customer service.
Cons
  • USAA coverage is only available to military service members.

Is Car Insurance Mandatory in Nevada?

Car insurance is mandatory in Nevada.

The Nevada Division of Insurance requires drivers to have a certain minimum amount of liability coverage. Beyond that, drivers may also choose to purchase uninsured motorist coverage and comprehensive and collision coverage for more protection.

What Types and Amounts of Car Insurance Are Required in Nevada?

Nevada state law puts the following requirements in place for car insurance.

  • $25,000 in bodily injury coverage per person
  • $50,000 in bodily injury coverage per accident
  • $20,000 in property damage

These represent the minimum amount required, but many Nevada drivers opt for full coverage to get additional protection.

What Does Car Insurance Cover?

Every car insurance company has its own basic policy and riders, so it’s important to read the fine print and ask questions; however, Nevada law requires all drivers to purchase these two types of coverage.

Liability

Liability coverage is what protects you if you’re in an accident that causes the injury or death of a passenger in your car or in another vehicle.

Property Damage

Property damage coverage will protect you if you’re at fault for an accident that damages or destroys someone else’s property, including things like fences or detached garages; personal belongings are not covered by car insurance but would be covered by renters or homeowners insurance.

Should I Buy Additional Coverage?

As we noted above, you are legally required to purchase minimum insurance as stated in Colorado law, and you may want additional coverage to round out your protection.

Comprehensive coverage includes collision protection and protection for non-collision events, including damage caused by theft, vandalism, severe weather, or accidents with animals.

You might also consider purchasing uninsured/underinsured motorist protection, which will protect you if another driver is at fault and doesn’t have adequate insurance.

Is Nevada a No-Fault State?

Nevada is not a no-fault state, it is an at-fault state.

An investigation will determine which driver is at fault for an accident and that driver’s insurance will pay for damage or injuries caused by accident.

What Does Car Insurance Typically Cover?

A basic car insurance policy covers your personal liability in an accident where you are at fault and will pay for a limited amount of expenses incurred in relation to personal injuries to you and your passengers or for passengers in another vehicle, as well as damage to their property.

If you choose comprehensive insurance, you’ll get additional coverage for damage to a vehicle and may also get perks such as rental car reimbursement or roadside assistance.

These things are not typically covered by car insurance.

  • Mechanical failure is unrelated to a covered event.
  • Normal wear and tear,
  • Intentional damage, meaning any damage you intentionally cause to your own car,
  • The contents of your car, because personal property is covered under your homeowners or renters insurance.

What Factors Impact the Cost of Car Insurance?

There are many factors that may impact how much you pay for car insurance, including the following.

  • Your driving record
  • The driving record of other insured drivers
  • Your personal credit score
  • Your gender
  • Your age
  • The make and model (and replacement value) of your car
  • The area where you live

An experienced driver with a clean driving record should expect to pay less than a new driver or someone with a history of unsafe driving.

Tips to Reduce the Cost of Car Insurance in Nevada

Here are some pointers to help you reduce the cost of car insurance in Nevada.

  • Complete a safe driving or a defensive driving course.
  • Drive safely and follow the rules of the road.
  • Buy a car with installed safety features, or add safety features to make your car safer.
  • Bundle multiple insurance policies with a single provider.
  • Ask about available discounts and layer as many as possible to maximize your savings.

Layering discounts is one of the best ways to reduce costs; remember that many discounts are easy to qualify for, such as discounts for signing up for paperless billing, paying in advance, or insuring multiple cars with the same company.

Synopsis

Every driver in Nevada is required by state law to purchase basic car insurance, including liability and property damage coverage.

We suggest investing in full coverage to get additional coverage and the peace of mind you need when you’re on the road.

We recommend obtaining at least three quotes from three car insurance companies to evaluate your options and compare costs and coverage to help you make the best decision.

Our Methodology

How We Chose the Best Car Insurance Companies in Nevada

Here are the four criteria we used to select the best car insurance companies in Nevada.

Cost

We know that the cost of car insurance is something that drives purchases for many drivers in Nevada, so we chose companies that have affordable rates when compared to the state average.

Discounts

Discounts can have a significant impact on costs, and we chose carriers who offered a broad array of discounts, particularly those with discounts that most Nevada drivers could qualify for.

Coverage

While basic coverage might be enough for some, we know that many drivers prefer to customize their coverage, so we chose carriers that offer a good selection of endorsements including things like roadside assistance, gap coverage, new car replacement, and accident forgiveness.

Technology

Technology can streamline the process of buying insurance and filing a claim, so we selected companies with excellent websites, free mobile apps, and discounts linked to driving technology.

Aimee Parrott
About the author

Aimee Parrott draws her expertise from having worked in the insurance industry for over a decade. After moving into commercial finance, she has spent the past eight years writing about financial topics, including insurance, credit, and mortgages. She lives in New Haven.