10 Best Auto Insurance Companies in Nevada for 2025

The best auto insurance companies in Nevada are Auto-Owners, American Family, and State Farm, with minimum coverage starting at just $55 per month. Auto-Owners takes the top spot for its great claims service, flexible coverage options, and A++ financial strength.

Our Top 10 Picks: Best Auto Insurance Companies in Nevada

American Family holds the second spot by offering standout loyalty rewards and competitive rates for both minimum and full coverage. Look at our tips to pay less for car insurance for more ways to save.

State Farm earns top marks for its network of local agents and reliable customer service, especially for drivers who prefer personal support.

Whether you want personalized service, digital convenience, or robust protection, these companies lead the way. Start comparing Nevada auto insurance companies by entering your ZIP code.

Auto Insurance Rates in Nevada

Car insurance rates in Nevada vary widely depending on the provider and your coverage level. For minimum coverage, the most affordable options are Progressive at $44 per month, Travelers at $48 per month, and State Farm at $55 per month.

Nevada Auto Insurance Monthly Rates by Coverage Level

These companies offer budget-friendly rates while still providing reliable service and strong discount opportunities. If you’re only looking to meet the state’s minimum requirements, these are excellent starting points for Nevada drivers.

For full coverage, Progressive again leads with $104 per month, followed by Travelers at $115 per month, and Geico at $139 per month. Providers like Auto-Owners and American Family are more expensive but offer solid full coverage options. Find out how to compare auto insurance companies beyond just price to find the right provider for you.

Several key risk factors impact car insurance rates in Nevada. The data shows that Nevada drivers face moderate to high insurance risks due to factors like traffic congestion, vehicle theft, and a notable rate of uninsured drivers.

Nevada Report Card: Auto Insurance Premiums

While weather risks are relatively low, urban areas (especially Las Vegas) contribute to higher claim frequencies and costs, which push premiums upward across the state

Read More: Ultimate Guide on the Best Time to Buy a New Car

NV Auto Insurance Rates by Age and Gender

Young drivers have the highest car insurance rates in Nevada, with 18-year-old males averaging $310 per month and females at $243 per month for full coverage. Rates begin to drop significantly by age 30, where women pay about $67 and men $71 per month.

Comparing companies by age group is one of the best ways for drivers to find the most affordable car insurance in Nevada. Learn how to get multiple auto insurance quotes online at once to get even more Nevada auto insurance quotes.

NV Auto Insurance Rates by Driving Record

Your driving record plays a major role in determining your car insurance rates in Nevada. Out of our list of the best car insurance companies in Nevada, State Farm and Auto-Owners are among the cheapest for drivers after an accident.

Nevada Auto Insurance Monthly Rates by Driving Record

American Family has higher rates but is still cheaper than many other companies after a speeding ticket or DUI. Still, State Farm and Auto-Owners maintain more stable pricing across various driving records, making them strong options for cheap high-risk auto insurance in Nevada.

If you have maintained a safe driving record and don’t cancel auto insurance, it pays to shop around and compare rates, as premiums can vary by more than $100 a month depending on the insurer.

NV Auto Insurance Rates by ZIP Code

Auto insurance in Nevada can change significantly based on your ZIP code due to factors like local accident frequency, theft rates, and population density. Drivers in Las Vegas and Reno tend to pay the highest premiums.

In contrast, smaller cities such as Boulder City, Mesquite, and Elko generally see lower premiums thanks to fewer accidents and claims. Browse our guide to the best auto insurance for good drivers to find the most affordable coverage in your part of Nevada.

Most Common Auto Insurance Claims in Nevada

Understanding common claims can help drivers in Nevada choose the right coverage. Claim data reveals that most accidents in Nevada involve rear-end collisions and minor fender benders, but side-impact crashes and thefts, though less frequent, lead to the highest claim costs. This highlights the importance of having full coverage, especially for drivers in high-traffic or high-theft areas.

5 Most Common Auto Insurance Claims in Nevada

Accident and claim frequency also vary widely across Nevada cities, directly affecting local insurance rates. Las Vegas tops the list with 55,000 accidents and 62,000 claims per year, reflecting its dense traffic and higher risk.

Nevada Auto Accidents & Insurance Claims per Year by City

Accident and claim frequency is significantly higher in larger cities like Las Vegas, Reno, and Henderson compared to rural areas. This geographic trend shows how ZIP code directly impacts insurance rates in Nevada, with urban drivers generally paying more for coverage.

Learn More: How to File a Claim and Win it Each Time

Nevada Auto Insurance Requirements

Nevada drivers are required to carry at least $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage liability. This basic liability auto insurance coverage helps pay for injuries or damage you cause in an accident.

While liability coverage is mandatory, many drivers opt for additional protection to cover their own vehicle, medical bills, and other unexpected costs.

Choosing the right auto insurance in Nevada means understanding more than just the state’s minimum liability requirements. Here are the common types of auto insurance coverage available in Nevada:

• Collision and Comprehensive Coverage: Collision and comprehensive insurance covers damage to your own vehicle from accidents, theft, weather, vandalism, or falling objects, which is especially helpful in Nevada’s climate.
• Medical Payments Coverage (MedPay): Helps pay for medical bills for you and your passengers, no matter who caused the accident.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver in Nevada who doesn’t have insurance or doesn’t carry enough.
• Roadside Assistance: Offers support for breakdowns, towing, battery jumps, and more while traveling in Nevada.
• Rental Reimbursement: Covers the cost of a rental car while your vehicle is in the shop after a covered accident.

Even though liability insurance is all Nevada requires, adding these optional coverages can provide peace of mind and stronger financial protection. It’s smart to compare multiple quotes to find a plan that fits both your needs and your budget.

Ways to Save on Auto Insurance in Nevada

Nevada drivers can unlock major savings by taking advantage of discounts offered by top providers. Auto-Owners and State Farm stand out with some of the biggest discounts for low-mileage drivers at 30% off.

Top Auto Insurance Discounts in Nevada

State Farm also rewards Nevada drivers with 25% for good driving and 15% for completing a defensive driving course. American Family also gives safe drivers 25% off, and offers a substantial 25% discount for bundling multiple policies.

Stacking these discounts can significantly lower your monthly premium, so it’s worth asking your insurer which ones you qualify for. Gather more insight about the best car insurance discounts you can’t miss.

In addition to standard discounts, here are some other effective ways to save on auto insurance in Nevada:

• Shop by ZIP Code: Rates vary by area; cities like Boulder City or Mesquite often have lower premiums than Las Vegas or Reno.
• Choose a Higher Deductible: Opting for a higher out-of-pocket cost can reduce your monthly rate.
• Drive Less: Low annual mileage can qualify you for significant savings through usage-based programs.
• Maintain Continuous Coverage: Avoiding lapses in insurance helps keep your rates low.
• Update Your Vehicle’s Safety Features: Cars equipped with anti-theft devices, lane departure warning, or automatic braking may be eligible for discounts.

Taking the time to compare providers and understand which factors affect your rates can help you find the most affordable coverage tailored to your needs in Nevada.

10 Best Auto Insurance Companies in Nevada

Auto-Owners, American Family, and State Farm are the top three companies offering the best car insurance in Nevada. However, all ten providers bring unique strengths. Compare them below to find the right Nevada auto insurance company for you.

Read More: State Farm vs. Progressive Auto Insurance

#1 – Auto-Owners: Best for Coverage Flexibility

Pros

• Flexible Policy Options: Auto-Owners offers highly customizable coverage in Nevada and dividend rewards to long-term policyholders.
• High Financial Strength: With an A++ rating from A.M. Best, NV drivers can count on Auto-Owners for long-term financial stability.
• Strong Claims Reputation: Auto-Owners ranks #1 in claims satisfaction among Nevada insurers, scoring 659 out of 1,000. Get full ratings in our Auto-Owners review.

Cons

• Higher Rates: Auto-Owners is more expensive than other Nevada car insurance companies, especially for older drivers
• Fewer Digital Tools: Compared to competitors like Progressive or Liberty Mutual, Auto-Owners has fewer mobile and online features in NV.

#2 – American Family: Best for Loyalty Rewards

Pros

• Loyalty Discounts: Nevada drivers benefit from long-term savings and renewal perks with American Family.
• Great for Teens: With the KnowYourDrive program, NV families can help teen drivers lower costs through monitored driving behavior.
• Bundling Savings: Get up to 25% off by combining auto with home or renters insurance. Get a list of discounts in our American Family insurance review.

Cons

• Higher Base Rates: American Family charges $75 a month for minimum coverage in NV, making it less competitive for those focused solely on price.
• Less Tech-Savvy: NV drivers may notice fewer app-based features compared to digital-first companies like Progressive or Liberty Mutual.

#3 – State Farm: Best for Local Agents

Pros

• Local Agent Access: State Farm stands out in NV with one of the largest networks of local agents, making in-person support easy to find, with minimum coverage starting at $55 a month.
• Safe Driving Savings: NV residents using the Drive Safe & Save program may receive up to 15% off for maintaining safe driving habits.
• Strong Senior Rates: For Nevada drivers age 60+, State Farm offers reasonable full coverage premiums and consistent pricing. Compare rates in our State Farm review.

Cons

• Basic Online Features: Nevada drivers may find State Farm’s online dashboard and app lack the functionality offered by more tech-savvy competitors.
• Teen Driver Premiums: Despite safe driving tools, NV families with teen drivers may face high full coverage costs, averaging $635 a month.

#4 – Allstate: Best for Broad Coverage

Pros

• Broad Policy Options: Allstate provides Nevada drivers with various add-ons like gap insurance and sound system protection. Learn more in our Allstate auto insurance review.
• Low Mileage Incentives: NV drivers can save up to 30% through Allstate’s Milewise and Drivewise programs if they drive infrequently.
• Accident Forgiveness: Allstate offers accident forgiveness to NV drivers to help avoid rate spikes after a first-time at-fault incident.

Cons

• Highest Minimum Rate: At $88 per month, Allstate has the most expensive minimum coverage among the top 10 NV providers.
• Smaller Defensive Driver Discounts: NV drivers receive up to 10% off, but may yield better savings with companies like Progressive, Travelers, or State Farm.

#5 – Nationwide: Best for Usage-Based Driving Program

Pros

• Telematics Savings: Nationwide’s SmartRide UBI program rewards NV drivers with up to 40% off for safe driving behavior.
• Balanced Pricing: Nevada policyholders benefit from consistent rates. Minimum coverage starts at $60 a month and $142 a month for full coverage. See more in our Nationwide auto insurance review.
• Strong Claims Reputation: Nationwide is known for smooth, timely claims service, which benefits NV drivers who want low-stress support after accidents.

Cons

• Basic Customization Options: NV drivers may find fewer premium add-ons unless they purchase a more expensive Nationwide policy tier.
• Limited Defensive Driving Discount: With only 10% savings, Nevada drivers might find more reward with Progressive or Farmers.

#6 – Geico: Best for Safe Drivers

Pros

• Low Rates for Safe Drivers: Nevada drivers with clean records get 26% off for safe driving and an additional 15% for completing a defensive driving course.
• Digital Convenience: Geico’s app and website make managing policies simple for NV drivers. Read everything you need to know about Geico.
• Affordable Rates: Geico is one of the cheapest car insurance in Nevada, starting at $58 a month for minimum liability policies.

Cons

• Fewer Agent Services: Geico’s model is primarily online, which may not suit Nevada drivers looking for in-person help.
• Limited Customization: Compared to Auto-Owners or Farmers, Geico offers fewer optional coverages in Nevada.

#7 – Progressive: Best For Defensive Driving Discounts

Pros

• Top Defensive Driving Discount: Nevada drivers can earn up to 30% off by passing an approved driver course. Learn how to qualify in our Progressive auto insurance review.
• Affordable Minimum Rate: Progressive has the affordable minimum coverage in NV at $44 a month.
• Flexible Plans: Progressive offers highly customizable auto insurance plans in Nevada, ideal for drivers who want to tailor coverage levels based on budget.

Cons

• Limited In-Person Support: NV drivers looking for local agents may find Progressive’s digital-first model less personal compared to providers like State Farm.
• Low Customer Satisfaction: Progressive falls below its competitors in J.D. Power surveys, ranking below average for claims and customer service.

#8 – Liberty Mutual: Best for Stackable Discounts

Pros

• Stackable Discounts: Nevada drivers can combine multiple discounts—up to 30% total—with Liberty Mutual’s bundling, low mileage, and autopay programs, starting at $59 a month for minimum coverage.
• Robust App: Liberty Mutual offers one of the best digital platforms in NV, including coverage customization, roadside assistance, and claim tracking.
• Specialty Coverages Available: Nevada policyholders can add coverage like better car replacement and original parts replacement. Learn more in our Liberty Mutual review.

Cons

• High Rates for Young Drivers: Liberty Mutual charges as much as $680 a month for full coverage for 17-year-olds in NV, among the highest of any provider.
• Limited Agent Access: Liberty Mutual has fewer in-person support locations in NV compared to companies like Country Financial or State Farm.

#9 – Farmers: Best for Policy Customization

Pros

• Customizable Policies: Farmers offers extensive personalization options in NV, including coverage for custom equipment and rideshare drivers. See a full list of options in our Farmers review.
• Solid Add-On Options: Optional features like loss of use, towing, and OEM parts help Nevada drivers build robust protection plans.
• Good Driver Discounts: NV drivers with clean records can save up to 30% through Farmers’ Signal app, which tracks real-time driving behavior.

Cons

• Frequent Rate Increases: Some NV policyholders report rate hikes after policy renewal, even without claims.
• Lacks Some Loyalty Perks: Farmers offers fewer long-term rewards compared to other Nevada car insurance companies like American Family.

#10 – Travelers: Best for Comprehensive Protection

Pros

• Comprehensive Protection: Travelers is ideal in Nevada for full-feature policies, offering robust extras like accident forgiveness and new car replacement.
• Strong Financial Backing: With an A++ rating, Travelers gives NV policyholders confidence in claims handling and long-term policy stability.
• Reliable Defensive Driving Discounts: Travelers provides NV drivers up to 20% off for completing approved defensive driving courses. Learn more in our Travelers auto insurance review.

Cons

• Higher Full Coverage Rate: Travelers charges $115 per month for full coverage in Nevada, which is above-average compared to low-cost competitors like USAA or Progressive.
• Fewer Digital Features: NV drivers may find Travelers’ app and online tools less intuitive compared to Progressive or Liberty Mutual.

Finding the Best Auto Insurance in Nevada

Choosing the best auto insurance companies in Nevada comes down to balancing coverage, cost, and service. Whether you’re looking for the lowest minimum coverage rate, robust full coverage, or specialized discounts, top companies like Auto-Owners, American Family, and State Farm offer standout options for different drivers (Read More: Cheap Auto Insurance for Seniors).

From Las Vegas to Reno, where you live and how you drive can greatly affect your rate, so shopping smart is key. Get fast and cheap auto insurance coverage with our quote comparison tool.