Cheapest Car Insurance Company in every State

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This page provides fast facts and helpful hints for Nevada drivers looking for lower rates on car insurance.

Although the state of Nevada can be a pricey place to own a car, Nevada auto owners can slash their annual premiums just by following a few simple steps.

Here's how Nevada car owners can literally save hundreds of dollars each year in car insurance premium costs. 

average auto insurance rates

The Average Annual Car Insurance premium for a vehicle owned in the state of Nevada was $1,485 this year, somewhat higher than the overall national average of about $1,365.

Nevada's higher average car insurance premiums could be a function of extra high rates in Reno and Las Vegas.

Yet, the state maintains a strong economy, a low population density, and a relatively mild climate.

penalties for driving uninsured in nevada

Penalties for getting caught driving without adequate insurance in Nevada include fines, license suspension, reinstatement fees, and raised premiums. Subsequent offenses face harsher penalties. 

Insurance experts estimate that nearly 11% of drivers in the state of Nevada are uninsured. 

minimum liability coverage in nevada

Nevada state law requires a minimum coverage of 15/30/10 per owned vehicle.

This means that Nevada drivers must purchase at least

  • $15,000 in Personal Injury Protection (PIP)
  • $30,000 to cover the cost of injury to others
  • $10,000 in coverage against property damage

So Nevada state law requires a total of $55,000 in liability coverage per vehicle, and this would be the maximum payout per accident.

lowering the cost of nevada auto insurance

Here are some easy ways for Nevada car owners to lower their annual premiums on auto insurance.

1. Some car owners save money on administrative fees by paying their annual premiums all at once, rather than month by month.

2. City dwellers sometimes don't drive for three years. This entitles them to discounts for "perfect" driving records. People who live in or near Las Vegas or Reno can easily try this. 

3. The best way for a driver in Nevada to reduce costs on car insurance is to qualify and apply for every available discount. Most car insurance carriers offer good driver discounts, good student discounts, senior citizen discounts, vehicle safety discounts, multiple auto discounts, and quite a few others.

Cheapest Car Insurance Company Quotes in nevada

Based on recent consumer reports, car owners in the state of Nevada prefer

  • Allstate Insurance
  • Farmers Insurance
  • Geico Insurance
  • Progressive Insurance
  • State Farm Insurance
  • Travelers Insurance
  • 21st Century Insurance

Still, other drivers in Nevada prefer regional carriers, such as USAA or The Hartford. 

In any case, the easiest way to obtain a low quote is simply to call five or six agents for free quotes, and ask about their discount programs.

Factor in the discounts and compare quotes. Then simply choose the cheapest car insurance company policy that meets your individual needs. 

Discounts add up to saving big money every year on car insurance.

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