We at the MarketWatch Guides Team have researched and reviewed the best car insurance companies available to drivers in Nevada. We’ll provide our list of recommendations for insurance in the Silver State and also explain each provider’s cost, coverage and customer service reputation.
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The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. 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. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Learn more about our methodology and editorial guidelines.
Best Nevada Car Insurance
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.
When analyzing the best car insurance companies in Nevada, we looked at several criteria, including these:
- Coverage options
- Policy features
- Reputation
- Average rate data from Quadrant Information Services
Nevada Auto Insurance Companies
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.
| Best Car Insurance in Nevada | Our Score | Reputation | Availability | Coverage | Cost | Customer Experience | Learn More |
|---|---|---|---|---|---|---|---|
State FarmLearn More | 9.3 | 9.6 | 9.7 | 8.9 | 9.2 | 9.4 | Learn More |
USAALearn More | 9.2 | 9.5 | 7 | 9.3 | 9.8 | 9.2 | Learn More |
GeicoLearn More | 9.1 | 9.8 | 10 | 9.3 | 9.2 | 8.9 | Learn More |
TravelersLearn More | 9.0 | 8.6 | 9.8 | 9.3 | 8.8 | 8.8 | Learn More |
ProgressiveLearn More | 8.7 | 8.0 | 10 | 8.8 | 8.7 | 8.6 | Learn More |
| Best Car Insurance in Nevada | Our Score | Reputation | Availability | Coverage | Cost | Customer Experience | Learn More |
|---|---|---|---|---|---|---|---|
State FarmLearn More | 9.3 | 9.6 | 9.7 | 8.9 | 9.2 | 9.4 | Learn More |
USAALearn More | 9.2 | 9.5 | 7 | 9.3 | 9.8 | 9.2 | Learn More |
GeicoLearn More | 9.1 | 9.8 | 10 | 9.3 | 9.2 | 8.9 | Learn More |
TravelersLearn More | 9.0 | 8.6 | 9.8 | 9.3 | 8.8 | 8.8 | Learn More |
ProgressiveLearn More | 8.7 | 8.0 | 10 | 8.8 | 8.7 | 8.6 | Learn More |
*Our research team considers nationwide factors when rating providers. The ranking order of providers in this table is specific to car insurance in Nevada.
Nevada Auto Insurance Customer Experience
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.
Best Car Insurance Companies in Nevada
#1 State Farm: Editor’s Choice
9.2/10
J.D. Power rating:848/1,000
AM Best financial strength rating:A++
BBB rating:A+
Is State Farm Insurance Good?
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 and Cons of State Farm Insurance
Pros A++ financial strength rating from AM Best Good discount opportunities for students and teens Highly rated mobile app Cons Average customer reviews
State Farm Car Insurance Coverage
As thenation’s largest car insurance provider, State Farm offers several coverage options for drivers. These include:
- Liability insurance
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Underinsured/uninsured motorist coverage
- Rideshare driver coverage
- Emergency roadside assistance coverage
- Car rental and travel expenses coverage
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.
State Farm Insurance Company Reputation
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 theJ.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
#2 USAA: Low Rates for Military
9.3/10
J.D. Power rating: 856/1,000
AM Best financial strength rating:A++
BBB rating:Not rated
Is USAA Insurance Good?
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.
Pros and Cons of USAA Insurance
Pros Offers affordable car insurance rates for military members, veterans and their families High performance in J.D. Power customer surveys A++ financial strength rating from AM Best Cons Not everyone qualifies for coverage
USAA Car Insurance Coverage
Similar to other car insurance companies, USAA provides standard car insurance coverage options, including:
- Liability coverage
- Comprehensive coverage
- Collision coverage
- Underinsured/uninsured motorist coverage
USAA also offers add-on insurance options for drivers to take advantage of, including roadside assistance and rental car reimbursem*nt.
USAA Reputation
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 theJ.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
#3 Geico: Affordable for Most Drivers
9.3/10
J.D. Power rating: 827/1,000
AM Best financial strength rating:A++
BBB rating:A+
Is Geico Insurance Good?
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.
Pros and Cons of Geico Insurance
Pros A++ financial strength rating from AM Best Low car insurance rates for most drivers High coverage limits for drivers Cons Average J.D. Power ratings
Geico Car Insurance Coverage
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 reimbursem*nt and mechanical breakdown insurance, which covers unexpected repairs if certain parts fail or break down through everyday use.
Geico Reputation
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
#4 Travelers: Most Coverage Options
9.5/10
J.D. Power rating: N/A
AM Best financial strength rating:A++
BBB rating:A
Is Travelers Insurance Good?
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:
- Multi-policy discount
- Good student discount
- Good driver discount
- Bundling discount
Pros and Cons of Travelers Insurance
Pros A++ financial strength rating and A rating from the BBB Several discount opportunities for drivers Offers accident forgiveness coverage Cons Outdated mobile app
Travelers Car Insurance Coverage
While Travelers provides standard auto insurance policy options for Nevada drivers, it’s best known for its add-on options. These include:
- Gap insurance
- Rental car coverage
- Roadside assistance
- New car replacement
- Accident forgiveness
- Rideshare coverage
- Namednon-owner coverage
Travelers Insurance Company Reputation
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
#5 Progressive: Low Rates for High-Risk Drivers
9.4/10
J.D. Power rating: 800/1,000
AM Best financial strength rating:A+
BBB rating: A
Is Progressive Insurance Good?
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.
Pros and Cons of Progressive Insurance
Pros A+ financial strength rating from AM Best Various coverage options Highly rated mobile app Cons Low customer service ratings
Progressive Car Insurance Coverage
With Progressive, Nevada drivers can purchase standard car insurance coverage options in addition to several add-ons. These include:
- Roadside assistance
- Rental car reimbursem*nt
- Loan/lease payoff
- Custom parts and equipment value
- Rideshare coverage
- Pet coverage
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 Insurance Company Reputation
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
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How To Find the Best Car Insurance in Nevada
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.
Check Nevada Car Insurance Requirements
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:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $20,000 per accident
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.
Look for Car Insurance Discounts
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.
Know Your Lender Requirements
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.
How Much Is Car Insurance in Nevada?
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.
Nevada Car Insurance Costs by City
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.
| City in Nevada | Estimated Average Monthly Cost | Estimated Average Annual Cost |
|---|---|---|
| Fernley | $114 | $1,365 |
| Dayton | $117 | $1,401 |
| Elko | $118 | $1,418 |
| Spring Creek | $119 | $1,429 |
| Carson City | $121 | $1,455 |
| Gardnerville Ranchos | $122 | $1,468 |
| Cold Springs | $129 | $1,551 |
| Sparks | $130 | $1,562 |
| Spanish Springs | $130 | $1,565 |
| Sun Valley | $132 | $1,579 |
| Reno | $132 | $1,580 |
| Mesquite | $134 | $1,609 |
| Incline Village | $136 | $1,630 |
| Pahrump | $146 | $1,750 |
| Boulder City | $150 | $1,795 |
| Henderson | $176 | $2,113 |
| North Las Vegas | $189 | $2,267 |
| Summerlin South | $191 | $2,291 |
| Enterprise | $195 | $2,336 |
| Las Vegas | $195 | $2,343 |
| Paradise | $203 | $2,434 |
| Whitney | $204 | $2,450 |
| Spring Valley | $205 | $2,465 |
| Sunrise Manor | $208 | $2,497 |
| Winchester | $215 | $2,584 |
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*Car insurance estimates by city are based on the three most popular providers per location.
Nevada Car Insurance Discounts
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:
| Discount | Description |
| Young driver discount | If you have a young driver on your policy, you may qualify for a discount on your car insurance premium. This applies if your teen is a full-time student and maintains a grade point average of 3.0 and above. Some other common discounts related to young drivers include savings for those who take defensive driving courses and teens who leave their vehicles at home when going to college more than 100 miles away. |
| Safe driver discount | Drivers with a clean driving history — no at-fault accidents, speeding tickets or DUIs — may qualify for safe driver discounts. You may also receive further savings if you have safety features on your vehicle, like an alarm system or anti-lock brakes. |
| Bundling discount | You may qualify for a discount if you bundle more than one policy with the same provider. |
| Paperless | Drivers who opt for fully digital policy management rather than paper documents may qualify for potential savings. |
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Best Car Insurance Nevada: The Bottom Line
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.
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Best Auto Insurance in Nevada: FAQ
Below are frequently asked questions about the best car insurance in Nevada:
We found that the average 35-year-old married driver in Nevada pays $179 per month for full-coverage car insurance.
According to our car insurance estimates, a full-coverage policy in Nevada costs $179 per month or $2,149 per year on average.
Based on our rate estimates, Geico is slightly cheaper than Progressive for a full-coverage car insurance policy in Nevada. We found that most drivers tend to pay $56 per month or $676 per year with Geico versus $67 per month or $804 per year.
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.
Our Methodology
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:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team at [email protected].
