Guide to Car Insurance in Nevada (2024)

Last Updated on February 2, 2024 by John Robinson

If you’re lucky enough to live in the Silver State, or you plan on moving there any time soon, you’ll likely want to get yourself a car to make the most out of what Nevada has to offer. 

There’s plenty to see and do – it’s not just about the bright lights and exuberance of Las Vegas (although that is a sight to behold). There are plenty of beautiful desert scenes to drive out to, but in order to do this, you’ll need to get yourself the right insurance. 

Below you’ll find a quick guide to car insurance in Nevada; hopefully, it’ll get you pointed in the right direction, and it may even save you some money in the process. 

It’s Above the National Average

Nevada car insurance rates are among the top ten most expensive in the United States, 7th to be precise. 

This could be down a high rate of uninsured road users, relaxed alcohol regulation, and the dense road population at any given time, to mention a few reasons. 

You can expect to pay the most for your car insurance in Las Vegas, so it’s worth sourcing a dependable, experienced provider like Root Insurance, who can offer you a rate based on how safe you are behind the wheel for maximum fairness. 

Low Liability Minimum

The state of Nevada boasts fairly low minimum liability coverage, at $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage. 

These are the minimum rates your coverage will need to offer in order for you to legally drive in Nevada, but it may be worth paying a little more to make sure you don’t leave yourself short in the event of an accident, negating the need for you to pay out of your own pocket. 

It’s an At-Fault State

Nevada is an at-fault state, meaning that the driver who caused the accident is the one liable for paying for the damage, so it’s important you get the coverage in the event of an accident. Otherwise, you might find yourself under a great deal of financial pressure. 

Prices can Differ Drastically by Gender

While it’s true that prices can be very different based on what gender you happen to be, a reliable insurance provider might not take this into account, favoring instead to give you a plan based on your safety rating. 

Auto-Theft Rates

According to Statista, Nevada had 336.4 cars stolen per 100,000 inhabitants in 2020, a higher rate than the national average, so opting for comprehensive insurance may be worth your time in the long run. 

Having complete coverage is likely the best way to give yourself peace of mind as a driver, both on and off the road. 

Competitive Markets

Nevada is home to a competitive insurance market, which is good news for you, as you’ll likely be able to find a lower price once you do some shopping around. 

Ultimately, the best insurance accounts for your personal needs as a driver, so it’s worth having a think about your personal situation first.  

John Robinson
John Robinson

Howdy! I’m John Robinson from Levittown, New York. I am a mechanical engineer for 15 years and already had an established car repair company. I developed a personal relationship with cars since I was a kid. I always love the sounds and smell emitted by a car or truck and even at construction machinery. Since then I have been married but my love for cars only grew.