Car insurance rates in Nevada August 2025

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.

– Country Financial provides the cheapest liability coverage at $38 per month in Nevada.

– Country Financial offers the cheapest rates for full coverage insurance in Nevada at $70 per month.

– At $172 per month, Sparks is the cheapest city for car insurance in Nevada.

Read on to learn more about car insurance price trends in Nevada. More car insurance rate data is available in the original article at Way.com.

Cheapest liability insurance in Nevada

For drivers looking to meet Nevada minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.

Cheapest liability insurance in Nevada

#1. Country Financial: $38

#2. Capital Insurance Group: $56

#3. USAA: $60

#4. Nationwide: $62

#5. Mercury: $68

Cheap full coverage in Nevada

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.

Cheapest full coverage insurance in Nevada

#1. Country Financial: $70

#2. Capital Insurance Group: $109

#3. Nationwide: $135

#4. Travelers: $144

#5. USAA: $169

Impact of traffic violations on Nevada auto insurance rates

In Nevada, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer’s policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Nevada may differ from the national average due to regional risks and rules.

Here’s a breakdown of average auto insurance rates in Nevada after common driving violations.

– No violation: $227

– Not-at-fault accident: $237

– Failure to wear a seat belt: $266

– Speeding 6 – 10 MPH over limit: $278

– Speeding 21 – 25 MPH over limit: $300

– DUI: $381

– Reckless driving: $385

– Driving with a suspended license: $381

– Leaving scene of an accident/hit and run: $396

Car insurance rates across Nevada’s top cities

Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.

Cities with the cheapest average monthly premium in Nevada

#1. Sparks: $172

#2. Reno: $178

#3. Fallon Station: $189

#3. Winnemucca: $189

#5. Yerington: $191

Cities with the most expensive average monthly premium in Nevada

#1. Winchester: $398

#2. Nellis AFB: $371

#3. Whitney: $367

#4. Summerlin South: $340

#5. Sloan: $325

This story was produced by Way and reviewed and distributed by Stacker.