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Car Insurance Cost Estimator

Car Insurance in Nevada

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What Nevada drivers pay, the legal minimum and which insurers are cheapest.

  • $155.Average monthly cost for full coverage
  • 25/50/20.Minimum required liability.
  • Among 51 states, this ranks 8th for highest cost (1st = highest).

Car insurance costs in Nevada

Full coverage costs the average Nevada driver $1,866 a year, or about $155 a month Legal minimum coverage alone costs an average of $1,196 a year That figure is 16% higher than the yearly US average, which is $1,613.

Coverage in NevadaPer yearPer month
Liability$1,196$100
Collision$500$42
Comprehensive$170$14
Full coverage (all three)$1,866$155

Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).

Minimum legal cover in Nevada

At least 25/50/20 liability applies in Nevada. The limits are $25,000 per injured person and $50,000 for everyone injured in one accident. Property damage to other people is covered for $20,000.

Nevada uses an at-fault system. A driver responsible for a crash pays through their liability cover

Insurers must offer uninsured motorist cover in most states, though it isn't required

Source: Nevada Division of Insurance, Automobile Insurance.

What each part of the Nevada minimum car insurance limit pays for: one injured person, everyone hurt in a crash, and damaged property

How many Nevada drivers lack insurance?

About 11% of Nevada drivers had no car insurance in 2023, marking the 35th highest share of the 51 If an uninsured driver hits you, uninsured motorist cover pays your bills

Source: Insurance Information Institute, Facts + Statistics: Uninsured motorists (Insurance Research Council estimates).

Learn more about car insurance in Nevada

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