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Cheapest Car Insurance in Nevada

Nevada, the driest state in the nation, is home to the oasis in the desert: Las Vegas. The Vegas Strip, Lake Tahoe and the Sierra Nevadas are some of the internationally-acclaimed attractions that bring visitors from all over the world. Desert camping to mountain skiing and wake boarding to ice skating, Nevada knows how to keep its residents entertained. knows how to keep Nevada’s drivers protected, and this list of useful car insurance information makes it that much easier.


Nevada highways can help drivers unwind and make them feel like they are a million miles away. By combining all the necessary information for Nevada drivers in this easy-to-use article, all the time has been saved to let Nevadans unwind on the road.

Minimum Requirements for Car Insurance in Nevada

  • The Nevada Department of Insurance requires all drivers in the state to be covered by Liability Insurance.
  • Liability Coverage minimums:
    • $15,000 per individual to cover bodily injury or death.
    • $30,000 per accident involving bodily injuries or deaths.
    • $10,000 for property damage.

Every driver in the state who is considering cheap auto insurance coverage should access the state’s Consumer’s Guide to Auto Insurance brochure.

New Driver Licensing Requirements:

  • The Nevada Department of Motor Vehicles states that residents new to Nevada have 30 days from the date of residency to obtain a state driver license. Failure to comply results in a $1,000 fine, and the minimum fine is $200 if the driver complies. A driver with a current out-of-state driver license must pass the vision and written tests to obtain a Nevada driver license.
  • Nevada requires all new drivers under the age of 18 to complete an approved driver education course prior to obtaining a license. The options for this course include:
    • Complete a classroom course (30 hours) and complete 50 hours of supervised driving
    • Complete an online course and complete 50 hours of supervised driving
    • Complete 100 hours of supervised driving. This option is for applicants who live where no course is offered within 30 miles and who do not wish to attend the online course.
  • Instruction Permit. At age 15 years, 6 months, applicants are eligible for an Instruction Permit. This permit allows the driver to drive with a supervisor outside of the driver education course. To apply, the applicant must:
    • Pass the written and vision tests.
    • Pay the licensing and testing fees.
  • All applicants must complete the driving requirements:
    • 50 hours of driving with 10 hours of night driving.
    • Must be accompanied by a licensed driver age 21 or older at all times.
  • To obtain a full driver license, applicants must meet the following requirements:
    • Must be at least 16 years of age
    • Hold an Instruction Permit for at least 6 months
    • Have a clean driving record: No at-fault accidents, moving violations and/or alcohol-related convictions
    • All drivers under the age of 18, whether holding an instruction permit or a full license, may not have any unrelated passengers under the age of 18. This applies to the first 6 months of holding a regular drivers license, and after that period the restriction is lifted.
    • All drivers under the age of 18 may not drive between the hours of 10 pm and 5 am unless driving to work or school.
  • Vision Exam. Each applicant must pass the vision test. The minimum requirement is a visual acuity of at least 20/40 with or without corrective lenses. If the applicant requires corrective lenses, a restriction will be placed on the license.
  • Written Test. 40 out of the 50 multiple choice questions on the exam must be answered correctly to pass. The Nevada DMV has provided a practice test of 10 questions that can be accessed here.
  • Road Skills Test. The Nevada Driver’s Manual describes the road skills test, and it points out that the following items will be inspected on the vehicle used for the test:
    • Registration, license plates and proof of insurance
    • Headlights
    • Taillights
    • Brake lights
    • Turn signals
    • Horn
    • Seat belts
    • Tires
    • Windshield wipers
  • The test administrator will have the applicant perform a variety of driving maneuvers and score the applicant using a points system. Immediate failure can result from serious violations such as speeding or failure to yield.
  • A failed test may be taken within 30 days.
  • Fees. New Nevada drivers are required to pay the following license fees:
    • Testing fees, $25. Re-tests, $10.
    • Learner’s Permit, $22.25
    • Regular Driver’s License, $22,25


  • BAC limit: .08 Nevada’s Department of Transportation outlines the penalties for a DUI conviction in the state:
  • First Offense:
    • Fine: $400 to $1,000
    • Jail: 2 days to 6 months
    • License suspension: 90 days
    • Ignition Interlock Device (IID): possible
  • Second Offense:
    • Fine: $750 to $1,000
    • Jail: 10 days to 6 months.
    • License suspension: 1 year
    • IID: possible
  • Third Offense:
    • Fine: $2,000 to $5,000
    • Jail: 1 to 6 years
    • License suspension: 3 years
    • IID: required beginning after assigned suspension
  • Fourth and subsequent DUI’s are felonies, and DUI conviction penalties increase when the offense includes higher BAC levels and/or aggravated factors.

Texting & Driving Laws

According to, Nevada has banned handheld cell phone use and texting for all drivers.

Unique Laws

With all that happens in Nevada, it sometimes seems that there is a law for everything. It is illegal, for instance, to lie down on a sidewalk or to place a bench in the street. One law that makes good sense, although one wonders why it ever came about, is the prohibition of driving camels on the highway!


Best Cheap Car Insurance Quotes for Nevada

Clark County Car Insurance

The southernmost tip of Nevada, Clark County is home to more than two-thirds of the state's entire population. A major tourist destination, its county seat of Las Vegas has more hotels than any other place in the world. Tourism and gambling are major industries, with numerous themed casino resorts and video slots machines mandated to at least 75 percent payout.

Clark County is home to the Hoover Dam and Lake Meade, the largest reservoir in the U.S. Other than forests and nearby Mount Charleston, Clark County is mostly desert. Must-sees for visitors include the four-mile Vegas Strip, Stratosphere Tower, Eiffel Tower Experience and the Cirque du Soleil.

County Sedan Suv Coupe Truck Hybrid

Washoe County Car Insurance

Spanning most of Nevada's western border, Washoe County is home to roughly 422,000. It was named for the Washoe, a small tribe that inhabited the area. Reno, the county seat, is a popular tourist draw for its casinos and location near several ski resorts.

Reno is considered the birthplace of blue jeans, which were invented by tailor Jacob Davis. Located partly within Washoe County is Lake Tahoe, the largest alpine lake in North America and a major tourist attraction. The National Automotive Museum exhibits vehicles from the late 19th Century through the 20th.

County Sedan Suv Coupe Truck Hybrid

Carson City Car Insurance

Named after mountain man Kit Carson, the independent Carson City is the capital of Nevada. The city was once the seat of Ormsby County, which was abolished in 1969 and its territory merged with Carson City.

Carson City's boundaries today stretch across the Sierra Nevada to the California border in the center of Lake Tahoe. For census purposes, it is considered a county-equivalent. Just west of Carson City is the second deepest lake in the U.S., Lake Tahoe, a large attraction for visitors along with nearby casinos on the Nevada side of the border.

County Sedan Suv Coupe Truck Hybrid
Carson City$1,098.00$1,067.00$1,210.00$1,136.00$1,216.00

Elko County Car Insurance

A large county in Nevada's northeastern corner, Elko is home to about 48,000 residents. Its county seat and largest city is also named Elko, a Native American expression that translates to "rocks piled on each other."

With an estimated 19,000 residents, Elko is the largest city for more than 130 miles. It is the site of the annual National Cowboy Poetry Gathering every January, a week-long festival celebrating life in the rural west. visitors are drawn to the county's casinos, including one displaying a stuffed, 10-foot polar bear. Other attractions include the California Trail Historic Interpretive Center, Western Folklife Center and Northeastern Nevada Museum.

County Sedan Suv Coupe Truck Hybrid

Lyon County Car Insurance

Just east of Carson City, Lyon County was one of Nevada's original nine counties created in 1861. Its county seat is Yerlington, the town mentioned in the song, "Darcy Farrow," recorded by John Denver.

The Lyon County Fairgrounds in Yerlington is the site of the annual "Night in the Country" music festival, which draws thousands each summer, including big name country stars such as Travis Tritt and Diamond Rio. Mining and agriculture are its biggest industries, and the county is also home to the Moonlite BunnyRanch, one of the world's most famous brothels.

County Sedan Suv Coupe Truck Hybrid

Douglas County Car Insurance

In western Nevada, Douglas County lies just south of Carson City and along part of the Lake Tahoe shore. Home to an estimated 47,000, Douglas County includes the first permanent settlement in Nevada, the town of Genoa, settled in 1851.

The county seat is Minden, an unincorporated community home to Western Nevada College. Minden and Douglas County are considered one of the top gliding spots in the world. Starbucks operates a 100-acre roasting facility near the Minden-Tahoe Airport, processing up to 100 million pounds of coffee beans per year.

County Sedan Suv Coupe Truck Hybrid

Nye County Car Insurance

Abutting California's Death Valley National Park at the state line, Nye County extends north to include part of the Humboldt-Toiyabe National Forest. By area, Nye is the largest county in the state and the third-largest in tnhe contiguous U.S. Located within it is the controversial Nevada Test Site.

The county seat is Tonopah, an unincorporated community of about 2,500 halfway between Las Vegas and Reno. The TV show, "Ghost Adventures," has aired several episodes filmed in Tonopah at allegedly haunted buildings that include the Mizpah Hotel, the tallest building in the state when it was completed in 1908.

County Sedan Suv Coupe Truck Hybrid

Churchill County Car Insurance

The mostly agricultural county of Churchill is home to the Naval Air Station Fallon, a training field for the Naval Strike and Air Warfare Center. Major crops grown in Churchill County are alfalfa for livestock feed and "Heart O' Gold" cantaloupes. The county seat is Fallon, a town of about 8,600 residents.

The oldest human skeletons ever found in the nation were discovered in 1949 in Hidden Cave, an archaeological cave about 12 miles from Fallon. The area is now a destination for wildlife enthusiasts and hikers. Guided expeditions to the 200-foot-deep cave are sponsored by the Churchill County Museum and Bureau of Land Management.

County Sedan Suv Coupe Truck Hybrid

Humboldt County Car Insurance

In northern Nevada at the Oregon border, Humboldt County is the oldest in the state, established by the Utah Territorial Legislature in 1856. It is named for the Humboldt River, which was named after German statesman and naturalist Alexander von Humboldt. The county's population in 2010 was 16,528.

The only incorporated city and the county seat is Winnemucca, a town of 7,400 . Straddling the Humboldt River, Winnemucca is known as one of the sunniest towns in the state, with an average of 201 sunny days per year. The Humboldt Museum chronicles local history from mammoth bones to mining and ranching artifacts.

County Sedan Suv Coupe Truck Hybrid

White Pine County Car Insurance

Home to an estimated 10,000, White Pine County lies in eastern Nevada at the Utah state line. Largely rural, White Pine County includes Great Basin National Park and the 13,063-foot Wheeler Peak and Wheeler Peak Glacier.

Named for the Limber Pine trees that grow heavily there, White Pine County is home to the Ely Shoshone Indian Reservation. Its county seat is Ely, a town of 4,255 originally founded as a stagecoach station along the Pony Express route. Its Nevada Northern Railway Museum preserves and restores historic railroad equipment and hosts steam-powered excursions, hand-car races and an annual railroad history symposium.

County Sedan Suv Coupe Truck Hybrid
White Pine$1,042.00$960.00$1,086.00$1,118.00$1,188.00

County Sedan Suv Coupe Truck Hybrid
Carson City$1,098.00$1,067.00$1,210.00$1,136.00$1,216.00
White Pine$1,042.00$960.00$1,086.00$1,118.00$1,188.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Consistently above the national average, indicates Nevada’s car insurance premiums reached a record high in 2006. On the other hand, the state’s average auto premiums as a percentage of income hit an all-time low in 2008. Currently, the percentage of income rates are well above the national average.

Drunk Driving Fatalities

On a steep increase, Nevada’s drunk driving fatalities have risen above the national average with a dip below in 2013. The National Highway Traffic Safety Administration revealed that Nevada’s drunk driving-related fatalities rose 13 percent between 2010 and 2012.

Vehicular Theft in Nevada

Nevada’s vehicle thefts exceed the national average’s by a wide margin and have remained fairly consistent since 2012.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!


State Department of Insurance

Department of Business and Industry
Division of Insurance

Carson City office:

(775) 687-0700
1818 E. College Pkwy., Suite 103
Carson City, NV 89706
(775) 687-0700
Get Directions

Las Vegas office:

2501 East Sahara Ave., Suite 302
Las Vegas, NV 89104
(702) 486-4009
(888) 872-3234
Get Directions

Department of Transportation

Nevada Department of Transportation
1263 S. Stewart St,
Carson City, NV 89712
(775) 888-7000 (official website)
Get Directions

Department of Motor Vehicles

Nevada Department of Motor Vehicle
555 Wright Way
Carson City, NV 89711
Las Vegas Area: (702) 486-4368 (486-4DMV)
Reno/Sparks/Carson City: (775) 684-4368 (684-4DMV)
Rural Nevada: (877) 368-7828 (official website)
Get Directions

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