Cheap Nevada car insurance

Nevada drivers may find average annual premiums higher than the national average due to the state's unique driving conditions and large urban centers like Las Vegas and Reno. The average annual premium for minimum coverages is around $1,025, whereas "full coverage" annual car insurance premiums could run you an average of $3,194.*

Your car insurance costs in Nevada will depend on your unique circumstances, including your:

• Driving record and claims history

• ZIP code

• Vehicle make, model, and age

• Coverages and limits you select

Nevada state law requires all drivers to meet or exceed the minimum limits of bodily injury liability and property damage liability coverage. Insurers must also offer uninsured/underinsured motorist bodily injury and medical payments coverages, but you can reject them in writing.

Bodily injury liability insurance can help cover medical expenses, lost wages, and legal fees for other parties injured in an accident where you’re at fault. In Nevada, the minimum coverage limits are:

• $25,000 per person

• $50,000 per accident

Property damage liability insurance can help cover damage to someone else's property in an accident where you’re at fault. Nevada requires a minimum coverage limit of:

• $20,000 per accident

Uninsured/underinsured (UM/UIM) motorist bodily injury coverage can help pay for your injury-related expenses if you're in an accident with an at-fault driver who has no insurance or not enough insurance.

Car insurance providers in Nevada are required to offer this coverage, but you can reject it in writing. However, we recommend keeping this coverage on your policy to help protect you financially in case of an accident.

Medical payments coverage can help pay for medical expenses for you and your passengers after an accident, regardless of who's at fault.

Like UM/UIM, this coverage isn't mandated, but insurers must offer it. You're free to reject this coverage in writing on your policy.

An SR22 form is a certificate of financial responsibility for drivers who have been convicted of certain traffic violations, such as a DUI. It proves you have the required auto insurance.

SR22 costs vary, but we can help you through the process. There is typically no filing fee, and we send all forms to the state quickly so you can get back on the road without delay.

Car insurance discounts can help save you money—and you could qualify for more than you realize. We offer the following discounts to Nevada drivers:

• Multi-car

• Prior insurance (transfer)

• Homeowners

• Paid-in-full

• Quarterly

• Advanced quote

• Airbag system

• Defensive driving course

Recommended reading: Non-owner car insurance: What is it, and who needs it?

Being a responsible driver in Nevada is about more than just understanding car insurance. You should also know the state’s driving laws and requirements.

Nevada has some of the nation's strictest driving requirements and laws. In fact, up until 2021, many of the state's traffic violations were misdemeanors rather than civil offenses, which is what they’re considered in many other states. While this practice has been phased out so as not to disproportionately affect low-income populations, some violations in Nevada can still earn you citations and some pretty hefty fines.

For example, all drivers and their passengers must wear seat belts regardless of age. Failure to do so can result in a fine of around $25. That won't break the bank, but a citation for installing a child's safety seat incorrectly can set you back up to $1,000—and it can be as high as $500 for a first-time offense.

Nevada also has strict laws governing driving under the influence. Forty-nine of the nation's 50 states have laws against drinking and driving, but Nevada takes this a step further, defining both drunk and drugged driving, with laws on the books for several substances and their illegal levels in both blood and urine.

See the following for more information:

• Nevada Official Driver Handbook

• Nevada Law: Chapter 484C

The Nevada Department of Transportation has information on road conditions, construction projects, and travel tips to help you stay safe and informed. Contact NDOT online or call (855) 878-6368.

The Nevada Department of Motor Vehicles offers services such as driver's license renewal, vehicle registration, and information on driving tests. While Nevada’s individual DMV offices don’t have direct phone numbers, they do provide numbers for specific sections of the Carson City headquarters. Contact the Nevada DMV online for most questions and services or call one of the following information-only numbers.

• In the Las Vegas area: (702) 486-4368

• In the Reno, Sparks, and Carson City areas: (775) 684-4368

The Nevada Division of Insurance regulates insurance in the state, makes sure providers follow state laws, and helps protect consumers like you. The agency offers resources to help you understand your insurance rights and options. Contact the Nevada DOI online or call (888) 872-3234.