Cheap Car Insurance in Nevada

Cheapest Car Insurance in Nevada for all Cars and Drivers

Nevada is one of the United States' foremost desert destinations for tourists, especially with cities such as Las Vegas and Reno. Despite having some of the largest incorporated cities in the country, Nevada doesn’t boast much regarding population size.

Regarding cars and automobiles, Nevada is no small potato with events like the National Automotive Museum and Vegas Speedway. Manufacturing is another strong suit the state has. The main question is, how much is Cheap Car Insurance in Nevada? What is the average cost?

While it depends on the exact location, car insurance in Nevada tends to align with the national average. Some drivers in particular towns can find lower rates while others in more populated cities like Las Vegas pay more.

Finding the most affordable and Cheapest Car Insurance in Nevada is all a matter of looking hard enough. Several local and national insurance providers have set up shop and operation in Nevada, so you have diverse coverage options.

The following is a guide on taking advantage of the cheapest car insurance options and finding the best insurance rates and coverage that fits your budget and prioritizes savings.

Car insurance requirements in Nevada

Things to know about the Cheapest car insurance in Nevada

Like most states, Nevada mandates its drivers to have car insurance coverage. Nevada state Law requires basic liability coverage.

States will have minimum requirements for this type of car insurance, and Nevada is no exception. Not carrying at least the required Auto Insurance in Nevada can result in penalties –some of which can compromise your privilege and right to drive.

Some of these can also end up costing you. Car insurance companies everywhere compete for the best quotes in town.

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The minimum requirements for Car insurance in Nevada

Drivers in Nevada are required to carry at least the following coverage amounts for minimum liability car insurance:

• Bodily injury liability coverage: $25,000 per person
• Bodily injury liability: $50,000 per accident
• Property damage liability coverage: $20,000 per accident

These coverages insure you for damages and injuries you cause to another driver. Being financially responsible for damages you cause while driving is a legal obligation, which makes car insurance such as this more than a necessity.

Drivers should carry far more than the minimum amounts of coverage –the minimum amount is often not enough to fully cover a claim should one be filed. The exact coverage that drivers carry depends on personal and car factors.

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Optional Car insurance in Nevada

You may wonder how Cheap Car Insurance in Nevada covers yourself and your car in at-fault accidents. These coverages are always available as add-ons to your basic car insurance policy for fuller and more in-depth coverage. These coverages include:

• Comprehensive car insurance
• Collision car insurance
• GAP insurance
• Personal injury protection (PIP) insurance
• Emergency Roadside assistance
• Rental car reimbursement insurance
• Uninsured motorist coverage
• Underinsured motorist insurance

What are the penalties for driving without Car insurance in Nevada?

Fines for not carrying the proper amount of vehicle insurance in Nevada are just the tip of the penalty iceberg. Not having at least the basic car insurance while not having proof of it on hand can result in the following consequences based on the number of offenses:

• First-time violators are typically penalized with fines up to $1,000 depending on how long they have been driving without car insurance. Those without insurance for less than 90 days would suspend their driver’s license until they provide proof of car insurance. Drivers without insurance for more than 90 days must file an SR-22 to get car insurance for three years. In this case, a reinstatement fee for your driver’s license would be around $251.
• Second-time violators are still subject to fines up to $1,000 depending on how long they have been without car insurance, with $500 being the lowest. Still, if drivers have been without car insurance for over 90 days, they must file an SR-22 to get auto coverage. In this case, the reinstatement fee for a suspended driver’s license is $501.
• Third-time violators are subject to similar fines of up to $1,000, with $500 being the minimum for drivers driving uninsured for more than one month instead of 90 days. Driver’s licenses are suspended for a specific period even if the driver provides SR-22 and proof of auto insurance. The reinstatement fee increases to $751 –again, this is an entirely different charge than the fine itself.

Cheapest auto insurance in Nevada for minimum coverage

The most crucial part of getting an affordable auto insurance quote is shopping for it because you have several options regarding rates and providers.

Of course, the cheapest car insurance policy is just the required minimum liability coverage and uses add-ons sparingly. Still, you may be able to find affordable full-coverage auto insurance with enough comparison shopping.

How much does the Cheapest car insurance in Nevada cost?

The exact amount you will spend on car insurance in Nevada depends on various personal factors. It’s not often that drivers pay the same amount for auto coverage.

The average cost for auto insurance in Nevada is around $95 per month or $1,138 annually for basic liability coverage. Full coverage in Nevada costs around $2,636 annually or $220 monthly on average.

What determines your Nevada auto insurance premiums?

As previously mentioned, the cost of car insurance is a deeply personal thing. The following factors regarding yourself and your vehicle will play into the cheap car insurance quoting process as insurance companies pay close attention to the following:

• Make and model of the car
• Driving history and habits
• Age
• Zip code
• Marital status
• Where the car is parked or garaged
• Listed gender on driver’s license
• Credit score

All these factors indicate your driving risk, car risk, and reliability in making monthly payments. Insurance companies can’t discriminate based on these factors, but some may have a bias against them. Naturally, someone with a lower credit score would pay more for car insurance than someone with a higher credit score.

Why does age impact your Auto insurance rates?

Age is one of the foremost indicators of a driver’s risk. Younger drivers often have the least driving experience and history and, thus, pay the most for car insurance.

Drivers ages 16 to 25 are known to pay up to ten times the average cost of car insurance regardless of state. While discounts are possible for some things in auto insurance, circumstances like age can’t be helped.

At the age of 26, car insurance rates begin to average out. The best a young driver can do during this time is to maintain safe driving habits and avoid insurance claims.

Senior citizens 65 and up experience a rise in premiums. Senior drivers in Nevada experience this increase, as do the rest of the drivers in the United States. Parents often put their teen drivers on their own insurance policies to offset the expensive new driver rates.

How can teen drivers find the Cheapest car insurance in Nevada?

Data from insurance providers operating in Nevada shows that young, relatively new 18-year-old drivers pay anywhere from $7,670 annually to even over $10,000 for car insurance –which would be for basic coverage. As you can imagine, car insurance premiums for 16-year-old drivers are much higher.

Finding Cheap Auto Insurance in Nevada for new drivers isn’t impossible, but keep in mind that it will be affordable to new driver standards.

Insurance Navy is known for doing all the competitive comparing of local and national Nevada rates for old and new drivers alike with cheaper coverage. We specialize in finding affordable car insurance for teenagers.

How does location affect your Nevada auto insurance premiums?

Something as basic as your Nevada zip code can be very telling of the area of the state you live in. Such information gets gathered from its population, traffic, and crime rates.

Cities in Nevada, such as Las Vegas and Reno, have the highest car insurance rates due to factors such as these.

Cheap car insurance in Nevada for drivers with at-fault accidents

At-fault accidents increase your auto insurance rates by around 45% to 47%, depending on if you caused injuries. At the same time, Nevada doesn’t raise insurance rates if the accident is not your fault and you file a collision claim, for example.

Insurance providers like Insurance Navy offer accident forgiveness for first-time at-fault collisions, so rates don’t change afterward.

Cheapest car insurance in Nevada for drivers with poor credit

Your credit score can be very telling of how reliable you are when it comes to making monthly payments. Car insurance is all about making your payments on time, and insurance providers often create their credit scores to assess risks.

A known correlation exists between drivers with subpar credit and filing claims more than the average driver. Insurance companies pay attention to credit scores. Still, finding the Cheapest Auto Insurance in Nevada for drivers who are still working on improving their credit is obtainable through Insurance Navy.

Cheapest car insurance in Nevada for married drivers

Studies and data have shown that married couples tend to be safer drivers than single drivers and make less risky maneuvers on the road.

Because of this, married couples do pay slightly less for Cheap Car Insurance in Nevada. This slight reduction in rates opens the door for even more general affordability regarding insurance products, not just auto insurance.

Cheapest car insurance in Nevada by vehicle type

The make and model of the car you are insuring plays a significant role in determining how much you will pay for its insurance.

Older and standard vehicles with high safety ratings are some of the most affordable cars in an insurance sense. Newer, more luxurious, and technologically advanced vehicles cost more to insure.

Flashy sports cars cost a lot more money to insure. Insurance providers will have to pay a lot to cover repairs, especially replacements.

Insurance Navy offers a quoting process that prioritizes savings and offers several discounts that Nevada drivers can qualify for to get the cheapest rates for their sports or luxury vehicles.

Car insurance companies quote drivers based on how many miles they drive

How much you drive will influence your car insurance quote costs. After all, you’re constantly at risk of an accident in your car. According to data, the average driver drives around 14,263 miles every year.

Drivers who record over 20,000 miles yearly are estimated to pay up to 5% more than those who don’t drive as much. If you regularly go to and from work between the suburbs and the city, your car insurance rates may be higher.

How does your driving record affect your chances of getting the Cheapest car insurance in Nevada?

Car insurance companies will naturally look at your driving record to assess your risk as a driver. It’s not just serious traffic violations, but even minor ones, like tickets, that can affect getting the cheapest car insurance rates and the ability to get affordable coverage.

Car insurance rates in Nevada increase with traffic violations

• Each comprehensive car insurance claim increases your rates by about 1%.
• Not-at-fault accidents can also raise your car insurance rates by 1%.
• A speeding ticket can increase your auto insurance rates by 20%.
• A distracted driving citation can increase your rates by 2%.
• An at-fault accident can increase premiums by 48%.
• Street racing will increase your car insurance premiums by 49%.
• A reckless driving charge will result in a 62% increase in auto premiums.
• An SR-22 requirement for a driver after a serious violation like a DUI can more than double your current car insurance rates.

*Please note that the listed increases are more or fewer averages and not the exact amount your auto premium may increase after a traffic violation or accident. How much your rates will increase depends on your Nevada insurance provider.

What’s the Cheapest car insurance in Nevada after a DUI?

Like several other states, Nevada has firm laws and consequences regarding driving under the influence of alcohol. A DUI is not only the result of dangerous and preventative activity but also devastating when it comes to legal and auto insurance consequences.

Depending on the offense, a DUI conviction can result in jail time, fines, and suspension of the driver’s license. In Nevada, a DUI violation can remain on your driving record for up to 10 years. With a mark and risk like that, finding affordable auto insurance in Nevada can be difficult –let alone finding coverage for the average cost.

Insurance Navy proudly offers Nevada drivers with DUI violations access to more budget-friendly rates. While drivers in these scenarios don’t pay for the cheapest car insurance, overpaying for auto insurance shouldn’t be out of the question as they work to become safer drivers.

Like Las Vegas and Reno, such cities in Nevada rely on drivers for several services. High rates shouldn’t put them out of business.

SR-22 insurance in Nevada

The Nevada Department of Motor Vehicles will require drivers in Nevada with a DUI or series of at-fault accidents to carry what is known as SR22 insurance along with their standard auto insurance.

An SR22 isn’t insurance coverage but a certification that you, as a high-risk driver, carry auto insurance by the requirements of Nevada.

Insurance Navy provides SR22 insurance in Nevada and helps appropriately file and maintain it with the Department of Motor Vehicles for three years.

What’s the Cheapest auto insurance in Nevada for drivers with speeding tickets?

For several drivers in Nevada, a speeding ticket can increase car insurance rates by 20%, which can seem like a lot after a speeding ticket. Drivers with a significant speeding violation typically have three to five years before premiums return to average.

However, speeding violations aren’t the end of the world. Insurance Navy can help you with car insurance quotes that prioritize savings.

Car insurance costs in Nevada by city

As elaborated before, where you live in Nevada will absolutely influence the insurance cost. Big cities with more traffic and drivers will have higher auto insurance rates than towns and villages in rural Nevada.

Average cost of Car insurance in Nevada cities

• Fernley - $1,365 annually
• Dayton - $1,401 annually
• Spring Creek - $1,429 annually
• Sun Valley - $1,579 annually
• Reno - $1,580 annually
• Boulder City - $1,795 annually
• North Las Vegas - $2,267
• Henderson - $2,113 annually
• Las Vegas - $2,343 annually
• Spring Valley - $2,465 annually
• Winchester - $2,584 annually

Car insurance in Nevada price trends

As you can see from the annual local rates, Nevada car insurance averages around $1,674 annually. Some of the cheapest car insurance policies in the state cost between $860 to $1,138.

Nevada car insurance quotes tend to align with the national average cost of $1,483 for several residents not living in the larger metropolitan areas. That gives Insurance Navy a chance to be highly competitive with its quotes and underwriting process.

Nevada has experienced an increase of $24 within the last year. Drivers can find the cheapest rates in Fallon, and the most pricey is in Winchester, an unincorporated portion of Las Vegas.

Best cities for the Cheapest car insurance in Nevada

Fallon has the lowest annual car insurance rates in Nevada at $936 for basic coverage. With a population of less than 10,000, this county seat in the Lahontan Valley is also subject to easygoing traffic.

Other towns in Nevada with coverage rates comparable to Fallon include Carson City, Winnemucca, and Lovelock.

The following cities are the best for the Cheapest car insurance in Nevada:

Other cities in Nevada where the cheapest car insurance companies often price lower are the more rural towns and villages. However, that doesn’t mean the bigger cities have a shot at the most affordable premiums. These include:

How Insurance Navy will get you Low-cost Nevada car insurance

The Insurance Navy quoting process

The quest for the cheapest insurance is tedious with the amount of shopping and comparing you will have to do. There are several local and national insurance companies across Nevada, and digging through them to find the best rates is a lengthy chore. Let Insurance Navy be your guide and handle your local and national rate comparisons. We’ll connect any driver in any Nevada town or city to the coverage of the best value to you regardless of bad credit, SR-22 requirements, and assessed risk.

How you can personally affect the cost of your Car insurance

Most factors that affect how much you pay for auto coverage are circumstantial, and you can’t quickly fix them. However, safe driving and careful management of your coverage can help you save. Here are other things that Insurance Navy can help you do to help save on coverage.

Don’t allow your Auto policy to lapse

When switching to Insurance Navy, we’ll always have your new insurance policy, basic or full coverage, ready to go so you never end up uninsured. These gaps in coverage, as they are known, can hinder your ability to get cheap coverage. Insurance Navy will always have your new policy ready before any change.

Getting Uninsured Motorist Coverage in Nevada

While adding uninsured motorist coverage to your policy may seem like another expense, it may save you financially one day. A good percentage of drivers, not just in Nevada but all around the country, illegally drive uninsured. Uninsured motorists leave most and even all of the damages they caused unpaid. Insurance Navy is known for finding insurance companies in Nevada that don’t charge an extra premium for the uninsured add-on.

Get Affordable Nevada Car Insurance Quotes Online

Your new Nevada auto insurance policy is one free online quote away with Insurance Navy. Regardless of your driving record, credit, residence in Nevada, and SR-22 requirement – affordable rates for minimum liability and full coverage aren’t impossible. At the same time, shopping and managing your coverage and policy has never been easier and streamlined.