Cheapest Car Insurance in Nevada

GEICO has the cheapest car insurance in Nevada among the four insurers we compared: $347 a month for full coverage and $290 for 50/100/50, the least expensive package we priced that satisfies Nevada’s liability limits. If you are gathering car insurance quotes in Nevada for Liability Only 15/30/10, Progressive is lowest at $147 a month, but that package falls under the law on all three limits.

Three things set Nevada apart in our data. First, one county sets the tone: Clark County, the Las Vegas area, holds 58 of our 93 ZIP codes and averages $488 a month for full coverage, against $274 across the other 35. Second, only four insurers returned prices, and the leader changes with the coverage you choose: GEICO is lowest for full coverage and 50/100/50, Progressive for liability only. Third, our liability-only package and the law disagree on every number: Nevada’s rule is 25/50/20 and the package we priced is 15/30/10.

Inside the state the spread is huge. The same driver in the same car pays $344 a month more in Las Vegas’s 89104 ($580) than in Winnemucca’s 89445 ($236). The rest of this page breaks Nevada down by package, insurer, county and ZIP code.

Page updated Nov. 2, 2026. Every price comes from Quadrant Information Services and reflects Nevada rates as of Sept. 30, 2026 for one modeled driver. They are sample prices, not quotes or offers. How we priced Nevada car insurance

Cheapest Car Insurance in Nevada at a Glance

How much is car insurance in Nevada? Take the mean of GEICO, CSAA, Progressive and Allstate and Nevada comes to $407 a month ($4,889 a year) for full coverage, $355 ($4,258) at 50/100/50 and $190 ($2,275) at Liability Only 15/30/10. GEICO’s full-coverage price is $60 a month below that mean, while Allstate’s is $75 above it.

Nevada’s 25/50/20 Rule Against Our Liability Only 15/30/10 Prices

Nevada sets its liability rule at 25/50/20 in NRS 485.185. Each figure is in thousands of dollars: the first limits what the policy pays one injured person, the second what it pays for a whole crash, and the third what it pays for damage to someone else’s property. Our Liability Only 15/30/10 package is under all three. Our 50/100/50 package is over all three.

The law’s three numbers beside our two lower packages

Limit	Nevada requires	Our Liability Only 15/30/10	Our 50/100/50
Injury, per person	$25,000	$15,000	$50,000
Injury, per crash	$50,000	$30,000	$100,000
Property damage	$20,000	$10,000	$50,000
Meets the rule?	Required	No	Yes

Keep in mind that a 50/100/50 price is not a pure liability price. The package also pays for damage to your own car through collision and comprehensive, each with a $500 deductible, so some of the cost buys protection the law does not demand. Without a priced 25/50/20 policy, we cannot separate the two.

Cheapest Insurer at Each Coverage Level in Nevada

GEICO is lowest for full coverage and for 50/100/50. Progressive takes the lead for Liability Only 15/30/10, with GEICO just $9 a month behind. CSAA is second for full coverage and third at the other two levels, and Allstate is the highest of the four at every level.

GEICO’s lead at the top two levels covers most of the map. In 70 of the 93 ZIP codes it has the lowest full-coverage price, with CSAA ahead in 13 and Progressive in 10. At 50/100/50 GEICO wins 70 ZIP codes, Progressive 22 and CSAA 1. Liability only flips it: Progressive wins 69 ZIP codes, GEICO 23 and CSAA 1. Allstate is never the lowest in a ZIP code. With the companies this far apart, all three of GEICO, Progressive and CSAA deserve a quote request.

Average Cost of Car Insurance in Nevada

The average cost of car insurance in Nevada, across four insurers and 93 ZIP codes, is $407 a month for full coverage, or $4,889 a year. Step down to 50/100/50 and the average is $355 a month ($4,258). Step down again to Liability Only 15/30/10 and it is $190 ($2,275). Each figure is a mean of insurer-and-ZIP prices for a single modeled driver. It describes the state as a whole and not any one household.

Nevada’s full-coverage mean sits well above the ones on our pages for Virginia ($178 a month), Tennessee ($187), Pennsylvania ($204) and Oregon ($173). Each of those pages compares its own set of insurers, so the comparison gives scale, not a strict ranking. One county accounts for most of the difference.

Nevada monthly averages with and without Clark County

Area (ZIP codes)	Full coverage	50/100/50	Liability Only 15/30/10
Clark County (58)	$488	$419	$233
The other ten counties (35)	$274	$249	$118
Nevada (93)	$407	$355	$190

The ten-county row weights each county’s average from the county table below by its number of ZIP codes.

Clark County supplies 58 of the 93 ZIP codes we priced, so it pulls the statewide figure up. In the other 35 ZIP codes, full coverage averages $274 a month, which is $133 below the state mean and $214 below Clark County’s $488. Liability Only 15/30/10 divides the same way, $233 in Clark County against $118 everywhere else. For what you will pay in Nevada, where you live counts for more than which of the four companies you choose.

Auto Insurance in Nevada by Company: GEICO, CSAA, Progressive and Allstate

All four returned prices in every one of our 93 Nevada ZIP codes: GEICO, CSAA, Progressive and Allstate. They are not the whole Nevada market, since other companies sell here that are not part of our comparison. Each bar is one company’s monthly price for full coverage on one driver and one car; the shortest bar is the cheapest.

Monthly price by insurer in Nevada, with the yearly total in parentheses

Insurer	Liability Only 15/30/10	50/100/50	Full coverage
GEICO	$156 ($1,875)	$290 ($3,484)	$347 ($4,160)
CSAA	$196 ($2,351)	$364 ($4,365)	$384 ($4,607)
Progressive	$147 ($1,763)	$329 ($3,952)	$418 ($5,010)
Allstate	$259 ($3,111)	$436 ($5,233)	$482 ($5,778)
Nevada average	$190	$355	$407

Stretched over twelve months, the four-company means are $2,275 for Liability Only 15/30/10, $4,258 for 50/100/50 and $4,889 for full coverage. Allstate’s full-coverage premium is $135 a month higher than GEICO’s ($1,618 a year), with CSAA and Progressive in the gap. Allstate also sets the top of the range at the other two levels: $259 for Liability Only 15/30/10 and $436 for 50/100/50.

Why the cheapest company changes with the coverage level

GEICO and Progressive trade places in Nevada. For full coverage, Progressive costs $71 a month more than GEICO. For Liability Only 15/30/10, it costs $9 a month less. At 50/100/50 it is back $39 above. So Progressive’s liability-only lead is narrow, and it disappears once collision and comprehensive are part of the package. Our data does not show why the two companies rate the packages differently.

Four insurers is a short list

Our Nevada data holds just four companies. A list this short can miss a cheaper insurer, so treat these figures as a target and ask whether anyone else beats it.

Liability, 50/100/50 or Full Coverage: Choosing a Nevada Package

The sharpest rise comes at the first step. Moving from Liability Only 15/30/10 to 50/100/50 lifts Nevada’s mean from $190 to $355 a month, $165 more each month and $1,983 more each year. That single step pays for two things: limits that satisfy the law, and collision and comprehensive for your own car. With no priced 25/50/20 policy, the $165 cannot be divided between them. The second rung, from 50/100/50 to full coverage, adds only $52 a month, $355 to $407.

Quote both packages at every company. The extra cost of full coverage over 50/100/50 is $57 a month at GEICO ($676 a year), $20 at CSAA ($242), $46 at Allstate ($545) and $89 at Progressive ($1,058). All four price 50/100/50 under full coverage, by very different amounts.

Cheap Car Insurance in Nevada: Las Vegas, Reno and the Rest of the State

We priced 93 ZIP codes across 11 Nevada counties. We rank only counties where three or more ZIP codes carry prices, and 6 counties pass that test. The remaining 5 have one or two ZIP codes each and appear further down without a rank. A dagger (†) marks a ranked county with just three or four ZIP codes behind it; treat that average as a loose indicator.

Ranked Nevada counties, lowest full-coverage average first

Mean monthly price in each of the 6 ranked Nevada counties

County (ZIPs)	Full coverage	50/100/50	Liability Only 15/30/10
Lyon County† (4)	$246	$224	$103
Carson City† (3)	$254	$231	$111
Douglas County† (3)	$254	$231	$107
Washoe County (16)	$286	$259	$124
Nye County† (3)	$351	$310	$160
Clark County (58)	$488	$419	$233
Nevada (93)	$407	$355	$190

† Built on three or four ZIP codes. Each figure averages all four insurers. Carson City is an independent city, so it carries no “County” label.

Among ranked counties, Lyon County† posts the lowest full-coverage average, $246 a month ($2,954 a year) over 4 ZIP codes. Carson City† and Douglas County† come next at $254 apiece. Clark County sits at the other end with $488 ($5,855) over 58 ZIP codes, which puts $242 a month, or $2,901 a year, between Lyon and Clark. The same two counties bracket the table for Liability Only 15/30/10 ($103 and $233) and for 50/100/50 ($224 and $419).

Las Vegas and Clark County

Clark County, the Las Vegas area, sets the Nevada figure. 58 of the 93 ZIP codes we priced sit here, and the county averages $488 a month for full coverage, $419 at 50/100/50 and $233 at Liability Only 15/30/10. Every other county averages $351 or less for full coverage. Nye County†, on three ZIP codes, is the next priciest at that $351, still $137 a month under Clark.

The most expensive ZIP codes on the full-coverage list all sit in the Las Vegas area: 89104 and 89106 in Las Vegas and 89030 in North Las Vegas, at $580, $578 and $578 a month. For Liability Only 15/30/10 the top three are 89104, 89106 and 89110, all Las Vegas ZIP codes, at $276, $271 and $270. North Las Vegas’s 89030 tops the 50/100/50 list at $494. With 58 Clark County ZIP codes in the data, these are the top of a long list and not stray outliers.

Reno and Washoe County

Washoe County, the Reno area, averages $286 a month for full coverage over 16 ZIP codes. That is $202 a month below Clark County and $121 below the state mean. Its other two averages are $259 at 50/100/50 and $124 at Liability Only 15/30/10. None of our ZIP lists, cheapest ten or priciest three, includes a Washoe ZIP code. That fits the county table, where Washoe lands between the small-town counties and Las Vegas.

Small-Town Nevada: Lyon, Carson City, Douglas and Beyond

Nevada’s cheapest ground lies outside the two big metro areas. The ten ZIP codes with the lowest full-coverage prices belong to Winnemucca, Battle Mountain, Fernley, Fallon, Yerington, Elko, Dayton, Minden, Carson City and Ely. Lyon County alone holds three of them (Fernley, Yerington and Dayton) among its 4 priced ZIP codes. Humboldt, Lander, Elko, Churchill and White Pine counties each have only one or two priced ZIP codes and so stay unranked, yet their towns fill much of the cheap end of the list.

Counties with one or two ZIP codes

Five counties lack the three ZIP codes needed for a rank. Their full-coverage monthly averages are Humboldt (1) $236, Lander (1) $241, Churchill (1) $241, Elko (2) $247 and White Pine (1) $248. One or two ZIP codes cannot speak for a whole county, so none gets a rank, although all five are included in the statewide means. If you live in one, put your own ZIP code into a quote.

Cheapest and priciest Nevada ZIP codes

The ten cheapest ZIP codes in Nevada for full coverage, out of 93

ZIP code and city	County	Monthly	Yearly
89445 Winnemucca	Humboldt County	$236	$2,836
89820 Battle Mountain	Lander County	$241	$2,887
89408 Fernley	Lyon County	$241	$2,889
89406 Fallon	Churchill County	$241	$2,897
89447 Yerington	Lyon County	$243	$2,920
89801 Elko	Elko County	$246	$2,948
89403 Dayton	Lyon County	$247	$2,963
89423 Minden	Douglas County	$247	$2,966
89701 Carson City	Carson City	$248	$2,971
89301 Ely	White Pine County	$248	$2,975
Priciest three	89104 Las Vegas, $580/mo ($6,957/yr); 89030 North Las Vegas, $578/mo ($6,934/yr); 89106 Las Vegas, $578/mo ($6,934/yr)

The ten cheapest ZIP codes in Nevada for Liability Only 15/30/10, out of 93

ZIP code and city	County	Monthly	Yearly
89445 Winnemucca	Humboldt County	$96	$1,157
89820 Battle Mountain	Lander County	$98	$1,175
89801 Elko	Elko County	$99	$1,191
89301 Ely	White Pine County	$100	$1,200
89815 Spring Creek	Elko County	$101	$1,206
89406 Fallon	Churchill County	$101	$1,211
89408 Fernley	Lyon County	$101	$1,215
89447 Yerington	Lyon County	$102	$1,224
89403 Dayton	Lyon County	$103	$1,237
89423 Minden	Douglas County	$106	$1,271
Priciest three	89104 Las Vegas, $276/mo ($3,307/yr); 89106 Las Vegas, $271/mo ($3,255/yr); 89110 Las Vegas, $270/mo ($3,237/yr)

The two cheap lists nearly match. Nine of the ten ZIP codes in the Liability Only 15/30/10 list also made the full-coverage list, with Spring Creek’s 89815 replacing Carson City’s 89701. Winnemucca’s 89445 is first on all three tiers: $236 a month for full coverage, $217 for 50/100/50 and $96 for Liability Only 15/30/10. In some states the cheapest place changes with the package. In Nevada it does not.

At the top, 89104 in Las Vegas costs $580 a month ($6,957 a year) for full coverage, and 89030 in North Las Vegas and 89106 in Las Vegas follow at $578 each. The $344-a-month distance between 89445 and 89104 is the cost of a different address with the same driver, car and coverage.

Nevada’s Liability Rule in Plain Words

Nevada’s liability rule is 25/50/20, according to NRS 485.185. In order, the figures stand for $25,000 to one hurt person, $50,000 to everyone hurt in a crash and $20,000 to other people’s property. All three answer for the other party’s losses. Fixing your own car falls to collision and comprehensive, which are separate coverages.

Our Liability Only 15/30/10 package falls under every one of those figures. The 50/100/50 package meets every one, so no cheaper package we priced satisfies the rule. Full coverage meets the rule as well, at a higher price.

50/100/50 prices that meet Nevada’s liability limits, insurer by insurer

Insurer	Monthly	Yearly
GEICO	$290	$3,484
Progressive	$329	$3,952
CSAA	$364	$4,365
Allstate	$436	$5,233
Nevada average	$355	$4,258

Look at GEICO’s two lower packages. Liability Only 15/30/10 runs $156 a month and 50/100/50 runs $290, so $134 separates a package under the law from one that meets it, collision and comprehensive included. If a plain 25/50/20 policy is what you want, name those limits when you ask for quotes.

Car Insurance Quotes Nevada Drivers Can Compare

Quotes only line up when the policies behind them match. Nevada shows why: the lowest company changes with the package, and the ZIP code you type in can swing a price by hundreds of dollars a month. Whenever you ask for a Nevada car insurance quote, hold these four things steady:

• Liability limits: request the same set from every company, 25/50/20 or higher.
• Deductibles: pick one collision and comprehensive figure and use it throughout.
• People and vehicle: enter identical drivers, the identical car and the address where it is kept overnight.
• Extras: ask what each quote includes for injury or medical-payments coverage, so none hides an add-on the others lack.

6 Ways to Lower Your Nevada Car Insurance Bill

1. Request GEICO, Progressive and CSAA quotes side by side. GEICO is cheapest for full coverage in 70 of 93 ZIP codes, Progressive leads Liability Only 15/30/10 in 69, and CSAA is cheapest for full coverage in 13. Which one comes first depends on your ZIP code.
2. Chase limits that meet the law, not the smallest number. Progressive’s $147 Liability Only 15/30/10 price is under the rule, while GEICO’s 50/100/50 package, at $290 a month, clears it.
3. Price 50/100/50 and full coverage together. Upgrading adds $89 a month at Progressive and only $20 at CSAA.
4. Enter the right ZIP code. Full coverage runs $344 a month apart between our cheapest and priciest ZIP codes. Use the address where the car is kept at night, not an office or a relative’s home.
5. Try a higher deductible. We priced $500 collision and comprehensive deductibles. A bigger one can trim a quote, provided you could pay it after a loss.
6. Ask about every discount. Bundled policies, paying in full and safety equipment can each change a quote, and each company offers a different menu.

How We Priced Nevada Car Insurance

Quadrant Information Services applies each insurer’s filed rates and rating rules to one driver profile and reports the resulting premium. We average and compare those Nevada premiums, which use the rates as they stood on Sept. 30, 2026.

• The driver: a single man, 40, with 24 years of licensed driving, good credit and no claims or tickets on his record. The car: a 2024 Toyota Camry LE that he uses for personal driving only. Nothing in the price covers extra, teen or occasional drivers.
• The coverage: we priced three packages. Liability Only 15/30/10 omits collision and comprehensive entirely. The 50/100/50 package has $500 collision and comprehensive deductibles, injury limits of $50,000 a person and $100,000 a crash, and a $50,000 property limit. Full coverage keeps the deductibles and raises liability to 100/300/100. No package carries personal-injury-protection or medical-payments coverage, so every price here leaves it out. Against Nevada’s 25/50/20 rule, Liability Only 15/30/10 falls short on all three limits and 50/100/50 meets all three.
• The sample: 93 ZIP codes in 11 Nevada counties. Each of the four insurers priced every ZIP code, so 372 prices stand behind each coverage level.
• The math: where one insurer has several Quadrant prices for a ZIP code, only its lowest is used. Statewide, county and ZIP figures are simple means across the four insurers. Each monthly price is the yearly price over twelve, rounded to the dollar, and dollar gaps between monthly prices are taken after that rounding.
• Naming the cheapest: the lowest-priced insurer at each level gets the name. An insurer is named only if it has prices in at least half of Nevada’s ZIP codes, and insurers with nearly identical yearly prices share it. All four Nevada insurers cover all 93 ZIP codes, and the runner-up is far enough back each time (just $9 a month in the closest case) that a single company is named at every level.
• What is in and out: all four insurers with Nevada prices appear in every ranking, average and table, and we dropped no county or ZIP code. The 5 counties with one or two ZIP codes are included in the statewide means but are not ranked. With only four insurers, this is a narrow view, and other companies do sell auto insurance in Nevada.

Treat every figure here as a benchmark for one modeled driver. What you pay will hinge on where you live and park, your vehicle, your record, your coverage choices and the discounts you earn.

Questions About Car Insurance in Nevada

Is $200 a month a lot for car insurance in Nevada?

No, it is less than full coverage costs in our Nevada data. $200 a month is $147 under GEICO’s $347, the lowest of the four insurers we compared, and $207 under the $407 average. Even the lowest ZIP-code average, $236 in Winnemucca, is higher. Liability Only 15/30/10 averages $190, but it is below Nevada’s limits.

Who has the cheapest car insurance in Nevada right now?

GEICO is the cheapest Nevada insurer we compared for full coverage ($347 a month) and 50/100/50 ($290), and Progressive is the cheapest for Liability Only 15/30/10 ($147), based on Sept. 30, 2026 rates. Silver goes to CSAA for full coverage at $384, to Progressive at $329 for 50/100/50 and to GEICO at $156 for Liability Only.

How much is car insurance in Nevada per month?

For our modeled driver, full coverage averages $407 a month ($4,889 a year) across the four insurers, on rates as of Sept. 30, 2026. The 50/100/50 package averages $355 and Liability Only 15/30/10 averages $190. Your own quote will turn on your car, your record and your ZIP code.

What is Nevada’s average car insurance cost?

The average cost of car insurance in Nevada, over GEICO, CSAA, Progressive, Allstate and 93 ZIP codes, is $407 a month for full coverage, $355 for 50/100/50 and $190 for Liability Only 15/30/10. Clark County, the Las Vegas area, lifts it: full coverage there averages $488 a month, against $274 in the other 35 ZIP codes.

What do drivers in Las Vegas and Reno pay for car insurance?

Clark County, the Las Vegas area, averages $488 a month for full coverage, $419 for 50/100/50 and $233 for Liability Only 15/30/10. Washoe County, the Reno area, averages $286, $259 and $124. Each figure averages four insurers over the ZIP codes we priced: 58 in Clark County and 16 in Washoe County.

Why is your Liability Only 15/30/10 price below Nevada’s requirement?

The Liability Only 15/30/10 package comes from Quadrant’s liability-only setup for Nevada, and all three of its limits are lower than the law’s. Nevada requires $25,000, $50,000 and $20,000, while our package carries $15,000, $30,000 and $10,000. Progressive’s $147 shows what that thinner package costs for our driver, but it is not a policy that satisfies Nevada’s rule.

Where is car insurance cheapest in Nevada?

Among counties that qualified for a rank, Lyon County has the lowest full-coverage average at $246 a month, and Clark County, the Las Vegas area, has the highest at $488. By ZIP code, 89445 in Winnemucca is lowest at $236 and 89104 in Las Vegas is highest at $580. Lyon County has only 4 priced ZIP codes, so its average is a loose indicator.

How can I get a Nevada car insurance quote?

Use a quote box on this page, or approach insurers directly. Every time, ask for the same liability limits (25/50/20 or higher), the same collision and comprehensive deductibles, and one driver-and-car profile. Include GEICO, Progressive and CSAA: GEICO was cheapest for full coverage in 70 of our 93 ZIP codes and Progressive was cheapest for liability only in 69.

Do your Nevada prices include injury benefits or medical-payments coverage?

No. None of the three packages we priced carries personal-injury-protection or medical-payments coverage, so every figure leaves it out. If you want it, ask each company to add it to every quote so the prices stay comparable.

Is GEICO or Progressive cheaper in Nevada?

GEICO is cheaper for full coverage ($347 a month against $418) and for 50/100/50 ($290 against $329). Progressive is cheaper for Liability Only 15/30/10 ($147 against $156). GEICO posts the lowest full-coverage price in 70 of our 93 ZIP codes, and Progressive posts the lowest Liability Only price in 69.

Why is car insurance so expensive in Nevada?

Our data does not say why, but it shows where. Clark County, the Las Vegas area, averages $488 a month for full coverage against $274 across the other 35 ZIP codes we priced, and 89104 in Las Vegas averages $580 against $236 in Winnemucca. Clark County holds 58 of our 93 ZIP codes, which lifts the $407 state average.

What is the minimum car insurance in Nevada?

NRS 485.185 sets Nevada’s minimum at 25/50/20, which breaks down as $25,000 for one injured person, $50,000 for each crash and $20,000 for damaged property. Personal injury protection is not required, but insurers must offer uninsured motorist coverage and a medical payments option of at least $1,000. Our priced Liability Only 15/30/10 package sits below each of those three numbers, and 50/100/50 meets every one.

Is 50/100/50 enough car insurance in Nevada?

It clears Nevada’s 25/50/20 limits on all three numbers, but only you can judge whether it is enough. The package’s $50,000 and $100,000 injury figures are twice the law’s, and $50,000 of property damage tops $20,000. Such limits are what pays the people you hurt in a crash you cause. GEICO charges $290 a month for the package, the average is $355 and full coverage averages $407.

How much is full coverage car insurance in Nevada?

The four-insurer average for Nevada full coverage is $407 a month ($4,889 a year), with GEICO lowest at $347 ($4,160). That means 100/300/100 liability and $500-deductible collision and comprehensive, with prices for a single modeled driver dated Sept. 30, 2026. Clark County averages $488, against $274 in the other 35 ZIP codes.

Is liability coverage full coverage?

No. Liability coverage handles injury and damage you cause to others, whereas the Insurance Information Institute (Triple-I) defines full coverage as liability plus own-vehicle collision and comprehensive. In Nevada, the lowest Liability Only 15/30/10 price is Progressive’s $147 a month ($190 average), and the lowest full-coverage price is GEICO’s $347 ($407 average).

Does credit score affect car insurance in Nevada?

Yes, within limits. Nevada insurers cannot deny, cancel or non-renew a policy, or set a renewal premium, on credit alone. A thin credit file is treated as neutral, medical collections are excluded, and an adverse action brings a notice listing up to 4 factors. You can ask to be re-scored once every 12 months (NRS 686A.680 to 686A.710, per the Division of Insurance).

What happens if you drive without insurance in Nevada?

A first offense costs $250 for a lapse of 1 to 30 days, up to $1,250 at 181 days or more. A second offense within 5 years runs $500 to $1,500, and a third runs $750 to $1,750 with a license suspension of at least 30 days. You must carry proof of insurance and show it on request, per the Nevada DMV.

Does Nevada require an SR-22?

Yes, in some cases. Nevada requires an SR-22 for 3 years when a coverage lapse lasts 91 days or more and after a third offense. Your insurer files it with the DMV, and cancelling the policy can restart the clock. Reinstating a license costs $75 plus license costs, per the Nevada DMV.