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.
Enter your ZIP code below to view quotes for the cheapest Auto Insurance Rates.
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.
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.
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.
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.