Best Nevada Auto Insurance Quotes – Cheapest Car Insurance in the Silver State
With 1.7 million licensed drivers on the road, it just makes sense to have decent car insurance in Nevada. And we’re not just talking about the minimum required coverage amounts – we’re talking about an amount of full coverage that can actually keep you and your family safe in the event of a disaster.
Without the right kind of auto insurance, an accident can turn into a major financial tragedy for you and your family.
At Insurance Geek, we love connecting our Nevada customers with the cheapest auto insurance rates in Nevada. Let’s take a look at your minimum required coverage amounts for auto insurance and how we can help you.
Before we help you find cheap car insurance in Nevada by offering quotes from multiple insurance companies, read on about what your coverage & policies will include, and get acquainted with some basic auto policy insurance terms.
Nevada Car Insurance Minimum Required Coverage
To be legal on the road, you’re going to need a certain minimum amount of auto insurance coverage in Nevada. This is also true for every state – and there are other legalities in place in every state that it makes sense to know. In Nevada, you do not have to have uninsured or underinsured vehicle insurance, for example, whereas in some other states like Mississippi, you need to have it.
Here are some of the different types of protection you’ll need as part of the legally mandated state minimums in Nevada:
BI or bodily injury protection: $25,000 state minimum coverage ($50,000 max)
In Nevada, you need $25,000 in bodily injury protection auto insurance to be on the road. What this means is that if you hurt someone else in an auto accident, or if the driver of your car hurts someone, you will be able to pay for that person’s medical expenses. BI also covers you if you hit a pedestrian.
Property damage protection: $20,000 state minimum coverage
Nevada requires you to have at least $20,000 in property damage protection. This will allow you to replace any property you damage in an accident. So, for example, if you hit someone’s car and you cause $30,000 worth of damage, you will be responsible for $10,000 beyond your deductible.
Underinsured or uninsured motor coverage
Nevada doesn’t require you to have underinsured minimum coverage, but some states do. This will allow you to pay for any damages to your own vehicle if the person who hits you doesn’t have insurance, or doesn’t have enough insurance to cover the expenses, so it’s highly recommended to get it.
How Much Will I Pay for Auto Insurance in Nevada?
How are car insurance premiums determined in Nevada? Insurance rates will depend on multiple rating factors.
With that being said, the average cost of a Nevada auto insurance policy is right around $1,500-1,600 annually, which is close to the national average.
Below are the other most important factors that come into the equation:
Age Groups
Young drivers will usually get higher average rates than other Nevada drivers. The reason for this is that young drivers are considered to be less experienced, and a young driver may need more frequent insurance claims. Experienced drivers will get the cheapest auto insurance, but it’s also important that they have a positive driving history, which is the next factor that should be considered.
Driving Record
Good drivers with a proven driving record will be able to get lower average rates and the cheapest car insurance in Nevada. This basically means that they had no recent harsher penalties and citations, a car accident, or a speeding ticket.
Credit Score
Companies will consider your credit rating when determining the amount of premium for your car insurance in Nevada. A poor credit score is a signal to them that you haven’t been absolutely punctual with your payments, so you can expect to get a bit higher rates. That said, even if you have a poor credit score, we are still able to find you cheap rates by comparing quotes in our quote calculator on this page.
Your Vehicle
An insurance company will also assess the type of your vehicle: its model, make, year, and color all matter. Owners of sports cars with powerful engines will usually pay more for car insurance in Nevada because faster driving is associated with higher risk on the road.
Location
Take note that in Nevada, especially in larger cities such as Sparks, Las Vegas, Carson City, etc., you may pay a little higher premiums. With more drivers on the road, there is more potential for an accident, so more densely populated areas typically experience some type of increase in auto insurance rates.
We write policies for car insurance in Nevada in all the cities, including:
- Las Vegas
- Sparks
- Carson City
- Henderson
- Reno
- Paradise
- Spring Valley, etc.
Insurance Company
Not every insurance provider is equally affordable, and average rates vary from one company to another. To help you find the cheapest auto insurance carrier for you, we’ve designed a calculator that allows you to generate free quotes and calculate how much you’d pay. Then, you can compare quotes and decide whether you’d like to continue with the shopping.
Discounts
Most drivers are taking advantage of discounts to save money and get the cheapest auto insurance in one way or another.
For instance, good drivers with no recent at-fault accidents and a lot of experience in operating a motor vehicle can obtain discounts. There are also veteran and good student discounts.
Another way to secure a good deal is to bundle policies with the same insurance company. If you need home or life insurance in addition to car insurance, you’ll save a LOT in the long run.
Even if you have a poor credit score, we can find you lower coverage rates and discounts because we work with many insurance companies in Nevada – just reach out to us today!
Get Cheapest Nevada Car Insurance Quotes
Above, you could see a breakdown of the cost of your car insurance policy. We know how complicated it can get when you are trying to calculate how much you will pay and take all the factors into account.
That’s why we’ve come up with an easy way to find the cheapest car insurance for our customers in Nevada:
You can get free quotes from top insurance carriers, including Nationwide and Safeco, by using our quote tool on this page.
All you need to do to compare quotes is fill in some basic info so that we can contact the carriers and generate the quotes, and that’s it! No need to visit a DMV office, no follow-up calls, and such. We only need your info to find you the rates. All of our carriers have excellent Financial Strength ratings and are approved by the Nevada Department of Insurance.
An insurance agent working at Insurance Geek will help with any further inquiries and assistance.
It is important for us to be able to connect our Nevada car insurance customers with the best possible policies out there.
Just by filling out quotes from different carriers who are all competing for your business, you can save. We handle the results and communicate them to you in an effective way that you will understand.
Can I Get a Discount?
Carriers love giving you discounts, and you may be able to get discounts under the following circumstances:
- Bundling different types of insurance (if you need home, renters, or life insurance, too, let us know, and we’ll help you find it and earn a discount)
- Senior discount,
- Military discount,
- Student discount,
- Clean driving record discount (no recent accidents or citations),
- Low car mileage discount,
- Loyalty discount.
What Does Coverage Car Insurance in Nevada Include?
Auto insurance policies vary greatly, and auto insurance coverage is not only the state minimums.
You may also see examples of other coverage in your policy, including:
Medical liability or PIP
If you or other passengers in your car or are injured in an auto accident, PIP car insurance coverage will help pay some of the medical expenses. It can also cover lost wages.
Collision coverage
Anytime you run into anything when driving your vehicle, this is considered a collision. Whether you’re hitting a car that’s moving or parked, or you’re hitting an inanimate object or slamming into a pothole, collision coverage can protect against any damage to your car in these types of situations.
Comprehensive
Comprehensive car insurance coverage will take care of damage to your vehicle, including cracks, dings, scratches, issues with your windshield breaking, things missing from your car due to theft, or other such incidents. In our experience, these are some of the most frequent insurance claims, so it’s important to include comprehensive and collision coverage in your full coverage car insurance in Nevada to ensure you are adequately protected.
Underinsured or uninsured motorist insurance
Underinsured or uninsured coverage pays when a driver who caused an accident doesn’t have enough insurance (or doesn’t have it at all). It’s mandatory in a number of states, and for a good reason. If you don’t have it, you can face a lot of unnecessarily long court proceedings and stress.
Bodily injury liability coverage
Bodily injury liability pays when you injure someone in a car accident. Bodily liability insurance for an at-fault accident is obligatory in Nevada.
Property damage liability coverage
Property damage liability coverage equals financial protection in an at-fault accident in which you destroyed the property of the other driver involved in the accident.
How Much Coverage in Nevada Should I Get?
Driving without minimum coverage in Nevada comes with significant penalties, and there is no grace period.
However, many customers come to us expecting the minimums will be enough to get them on the road, and while that is the case in terms of legality, certainly only having the minimum amount of coverage protection can put you in a real bind if you’re in a serious accident. This is always something we want our customers to think about. You should consider getting full coverage car insurance to be completely protected.
We tell our clients to consider the 100 300 100 rule. This allows you $100,000 in both BI liability and personal property damage coverage and $300,000 maximum per accident. This will normally give you more than enough damage protection in the event of an accident, even if you are part of a multicar accident or there is significant damage or injury.
FAQ: Nevada Car Insurance
Q: What car insurance companies have the best cheap car insurance in Nevada?
A: Car insurance companies in Nevada with the most affordable rates are Nationwide and Safeco. Not only do they provide coverage at very affordable premiums, but they are the best in terms of customer satisfaction, which is proved by their high Financial Strength rating. What’s more, with these insurers, there’s plenty of space for discounts that we can help you obtain.
Q: How much is car insurance in Nevada?
A: National average rates are usually within $1,500-1,600. However, many different factors go into your particular premium other than your ZIP code in Nevada. Safe driving record, safety rating, if there are recent citations or accidents on the driver’s record, age of driver, the color of the car, age make and model of car, whether antitheft devices are present, if bundling is available from the carrier – and more – will all influence the cost. In order to help you get an estimate of how much you’d pay for your policy, we allow you to compare free instant quotes on our page.
Calculate Nevada Auto Insurance Rates
Let us take care of the legwork, the research, and the red tape for you to get you on an auto policy that will work for you and your family. Insurance Geek provides you with free quotes if you enter your info here. Then you can compare quotes and decide what goes into your full coverage.
Best of all, if you’re looking to add multiple lines of insurance, we can help get you the best possible insurance by working with carriers who keep your business all under the same roof. This can result in some pretty incredible savings for our customers.
Let’s talk about how we can get your family set up with the best possible Nevada car insurance policy today.
Even if you don’t know what you’re looking for, we can work with you to get you a policy that you can truly afford and that will benefit your family over the long run. There’s nothing like working with an agent that has your best interest in mind, so let us know what we can do to help you in the particulars of your situation, and we will get it straightened out for you.
Insurance Geek can’t wait to work with you!