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Because Nevada has over 1.8 million drivers on the roads and nearly 110,000 square miles of desert, having dependable auto insurance is essential. That’s because accidents don’t just happen in major cities. It’s important that you find insurers that offer a strong combination of comprehensive coverage and affordable rates.
We at the Home Media reviews team have compiled a list of the best car insurance companies available to drivers in the Silver State. We’ll explain each provider’s cost, coverage and customer service reputation below.
Based on our industry-wide research, State Farm, USAA, Geico, Travelers and Progressive provide the best car insurance in Nevada. Each company offers solid insurance policy options and affordable car insurance rates.
There are plenty of auto insurance options available for drivers in Nevada, which can make the process of shopping for car insurance overwhelming. To make the process easier, we’ve analyzed insurance providers based on several criteria, including these:
*Our research team considers nationwide factors when rating providers. The ranking order of providers in this table is specific to car insurance in North Carolina.
To determine the companies’ score in areas like customer satisfaction and reputation, we looked at Better Business Bureau (BBB) ratings, AM Best financial strength ratings, J.D. Power consumer studies and our nationwide car insurance survey, which polled nearly 7,000 respondents on overall customer satisfaction.
For those who want to know more about the best car insurance in Nevada, the sections below provide more detailed information on our top picks for the Silver State.
AM Best financial strength rating: A++
In addition to its stellar customer service ratings and discount programs, State Farm provides strong local coverage for drivers in Nevada, with agents available in over 20 cities. The provider’s mobile app is rated highly on Google Play and the App Store, making it easy for drivers to pay bills and file claims.
With the highest score in our review of the best car insurance companies and from J.D. Power for the Southwest region, State Farm is a good choice for Nevada motorists.
Pros A++ financial strength rating from AM Best Good discount opportunities for students and teens Highly rated mobile app Cons Average customer reviews Our review team reached out to State Farm for a comment on its reviews but did not receive a response.
As the nation’s largest car insurance provider , State Farm offers several coverage options for drivers. These include:
State Farm provides some of the best discounts in the business for teen drivers and young drivers, offering a student discount of up to 25%. Teens and other high-risk drivers under the age of 25 can also take advantage of State Farm’s Steer Clear ® program to save on car insurance costs.
During our research, we found that State Farm tends to rank better than most other insurance providers across consumer studies. The company scored the highest in the large insurers category in the J.D. Power 2022 U.S. Insurance Shopping Study ℠ , with 885 points out of a possible 1,000.
Our August 2022 national car insurance provider satisfaction survey — which polled almost 7,000 people — had similar findings. About 19% of respondents had State Farm car insurance policies, making it the most popular provider in our survey. Participants gave the insurer a 4.2-star rating out of 5.0 for overall customer satisfaction.
Read more: State Farm insurance reviews
AM Best financial strength rating: A++
In Nevada, USAA offers the cheapest car insurance on average for state minimum and full coverage policies. But only military members, veterans and their families qualify for coverage from USAA. In addition to its low rates, the company offers drivers a usage-based insurance app, SafePilot™. The app tracks a user’s driving and awards discounts based on habits.
Similar to other car insurance companies, USAA provides standard car insurance coverage options, including:
USAA also offers add-on insurance options for drivers to take advantage of, including roadside assistance and rental car reimbursement.
USAA stands out within the car insurance industry due to its solid reputation and high rankings in consumer studies. The company had the second highest score for the large insurers category in the J.D. Power U.S. Insurance Shopping Study, with 875 points out of 1,000.
Similarly, the company received the highest score of any provider in the Southwest region with 856 points in the J.D. Power 2022 U.S. Auto Insurance Study℠ . The insurer isn’t formally ranked in J.D. Power studies due to its eligibility restrictions.
In our recent car insurance customer satisfaction survey, about 6% of respondents had a policy with USAA. These consumers gave the company a 4.3-star rating for overall customer satisfaction, the third highest in our survey.
Read more: USAA insurance reviews
AM Best financial strength rating: A++
As the nation’s second largest auto insurance company, Geico is a solid option all around because of its costs, financial strength and overall customer satisfaction. The company provides mechanical breakdown insurance as an add-on option, which is uncommon.
Drivers can lower their insurance premiums by taking advantage of the company’s many discounts and its usage-based program, DriveEasy, which reduces rates for good drivers.
Nevada drivers can find standard car insurance coverage options through Geico, along with some of the highest coverage limits available. The insurer also offers additional coverages like emergency roadside assistance, rental car reimbursement and mechanical breakdown insurance, which covers unexpected repairs if certain parts fail or break down through everyday use.
Geico’s rankings in consumer studies are average overall. The company scored 827 out of 1,000 points in the Southwest region in the J.D. Power U.S. Auto Insurance Study, the same as the segment average.
Our review team reached out to Geico for a comment on its ratings but did not receive a response.
Geico was the third most popular provider in our August 2022 survey, with about 16% of the respondents reporting they had Geico car insurance policies. Geico policyholders in our survey gave the insurer a 4.1-star rating out of 5.0 for overall customer satisfaction.
Read more: Geico insurance reviews
J.D. Power rating: N/A
AM Best financial strength rating: A++
Travelers Insurance has competitive car insurance rates but also places a heavy emphasis on providing coverage options for every Nevada driver. In addition to its low rates, the company offers a dozen discount opportunities, including these:
While Travelers provides standard auto insurance policy options for Nevada drivers, it’s best known for its add-on options. These include:
Compared to other insurers on this list, Travelers has an average reputation. The company scored below average among large insurers in the J.D. Power Insurance Shopping Study, earning 853 points out of 1,000. This is 10 points below the segment average of 863.
Our review team reached out to Travelers for a comment on its mobile app and its J.D. Power score but did not receive a response.
In our August 2022 study, about 2% of respondents reported having Travelers car insurance policies. They rated the company 4.2 out of 5.0 for overall customer satisfaction.
Read more: Travelers insurance reviews
AM Best financial strength rating: A+
With tools like Name Your Price® that help you shop for coverage, Progressive is a great choice for drivers looking for cheap car insurance in Nevada. The company offers a host of coverage and savings options that include a usage-based program called Snapshot®, which tracks driving habits through an app and provides discounts based on how safely you drive.
With Progressive, Nevada drivers can purchase standard car insurance coverage options in addition to several add-ons. These include:
The company also offers both small and large accident forgiveness. New policyholders automatically get small accident forgiveness, which keeps rates the same if a claim doesn’t exceed $500.
Progressive tends to rank below average in consumer studies. The insurer scored 800 out of 1,000 points in the J.D. Power Auto Insurance Study, 27 points below the segment average. Additionally, the company ranked below average among large insures in the J.D. Power Insurance Shopping Study.
Our review team reached out to Progressive for a comment on these scores but did not receive a response.
About 17% of the respondents in our August 2022 car insurance satisfaction survey had Progressive insurance policies, making it the second largest provider in our survey. Participants gave the company a 4.1-star rating for overall customer satisfaction.
Read more: Progressive insurance reviews
Before shopping for the best cheap car insurance in Nevada, it’s worth knowing how rates vary between providers and what factors can affect your premium with each one.
Each state sets its own requirements for car insurance coverage. You’ll be required to carry the minimum coverage limits for the Silver State, which include:
Minimum liability coverage in Nevada will only provide coverage to other people who are involved when you’re at fault for a car accident. If you want to protect yourself and your vehicle, consider purchasing a full-coverage car insurance policy, which generally includes liability, collision and comprehensive coverage .
The price you pay for a car insurance policy depends on several factors, like the vehicle you drive and your credit score, location and marital status. If you have a teen driver on your policy, you can expect to pay more for car insurance coverage.
To save on your average annual premium, look into discount opportunities and policy features when shopping for car insurance coverage.
If you loan or lease your vehicle, you’ll likely be required to purchase additional coverage beyond the state minimum. Most lenders will want you to carry a full-coverage policy. And if you lease your car, your lessor may want you to carry higher liability limits as well.
According to our car insurance quote estimates from Quadrant Information Services, a full-coverage car insurance policy in Nevada costs $179 per month or $2,149 per year on average. This is about 24% more expensive than the national average of $1,730 per year. These estimates are based on a 35-year-old driver with a good credit score and clean driving record.
Car insurance costs in Nevada can vary greatly depending on where you live. Generally, insurance is more expensive in cities like Las Vegas and Reno than in rural areas.
*Car insurance estimates by city are based on the three most popular providers per location.
Most auto insurance companies offer several discount options for Nevada drivers. While the exact options and discount percentages vary based on the insurer, common discounts include:
State Farm, USAA, Geico, Travelers and Progressive offer the best car insurance in Nevada. Drivers can find affordable rates and comprehensive car insurance options with each of these providers.
Before you decide on a provider, shop around and compare your options.
Below are frequently asked questions about the best car insurance in Nevada:
According to our car insurance estimates, a full-coverage policy in Nevada costs $179 per month or $2,149 per year on average.
We found that the average 35-year-old married driver in Nevada pays $179 per month for full-coverage car insurance.
State Farm and USAA are the best auto insurance companies, based on our most recent survey and research. State Farm has the highest overall score in our review of the best car insurance companies.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
*Data accurate at time of publication.
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