How much is car insurance in Nevada?

Finding cheap car insurance would be simple if one provider offered the best rate for everyone—but unfortunately, that’s not the case. Car insurance premiums vary based on age, driving record, coverage needs, and location, so there is no consistent rate between driver profiles. It’s a good idea to shop around and compare rates from at least 3 different providers—it’s the only way to ensure you’re not overpaying!

Do you need insurance to register a car in Nevada?

Yes—to register a vehicle in Nevada, you’ll need to provide proof of insurance that meets the state minimum insurance requirements. Here’s a breakdown of what you’ll need:

Who has the cheapest car insurance in Nevada?

There is no single cheapest insurance provider in Nevada but Nationwide, State Farm, and Erie generally offer some of the most competitive rates.

Why is car insurance so expensive in Nevada?

Car insurance rates vary based on personal factors like age and location, but state-specific factors like crime and weather also determine them. In Nevada, a high number of drivers on the road combined with expensive healthcare costs, a high rate of uninsured drivers, and relatively relaxed alcohol laws all contribute to expensive insurance rates.

Does insurance follow the car or the driver in Nevada?

As in most states, car insurance in Nevada typically follows the car. That means that if someone else is driving your car and gets into a crash, your policy will cover damage and injury to the other party up to your coverage limits.

Is it illegal to drive without insurance in Nevada?

Driving without insurance is illegal in all states, including Nevada—but the penalties depend on prior offenses and how long you’ve been uninsured for. There is no grace period for insurance lapses in Nevada, so being uncovered for even a day can lead to registration suspension and a $250 reinstatement fee. If it's your first offense and your coverage has lapsed for less than 30 days, your driving privileges will be suspended but there is no fine. A lapse of 31–90 days results in a $250 fine; 91–180 days results in a $500 fine; and 181 days or more results in a $1,000 fine. A lapse of more than 91 days requires you to file an SR-22 certificate, too.

Does Nevada have high car insurance?

Although not the highest rates in the country, Nevada’s insurance rates average about 20% higher than the national average.4 Florida, however, takes the cake for the highest rate, sitting at 52% above the national average.

Cheapest Car Insurance in Nevada (May 2025)

Written by R.E. Fulton and 2 others

Updated Nov 16, 2024

Cheapest Car Insurance in Nevada (May 2025)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Nevada.

Find insurance savings

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Written by R.E. Fulton and 2 others

Updated Nov 16, 2024

How to find the cheapest car insurance quotes in Nevada

Finding a car insurance policy can sometimes be tricky—it fits your coverage needs but doesn’t fit your budget, or vice versa. But what if you could have both? Finding a policy that fits your needs and budget is possible if you shop around for coverage and compare car insurance quotes before committing.

With Jerry, finding cheap car insurance is simple. Jerry is the go-to platform for Nevada drivers looking to forego the usual hassle. It helps you find affordable insurance that works for you—no phone calls, emails, or sales pitches.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

Progressive	$222	Lucile, 38, Reno, NV		State Minimum	No
Bristol West	$619	Brent, 24, Las Vegas, NV	Dodge Charger Scat Pack	State Minimum	Yes
Progressive	$233	Raymond, 33, Henderson, NV	Hyundai Elantra Limited	State Minimum	No
Bristol West	$1,426	Shawn, 20, Las Vegas, NV	Toyota Camry LE	State Minimum	No
Progressive	$391	George, 22, Las Vegas, NV	Honda Civic Hybrid	State Minimum	No

Last Updated May 6, 2025

Compare car insurance qoutes now

Cheapest car insurance companies in Nevada

If you’re looking for the best auto insurance companies in Nevada, you’re in the right place. Jerry conducted one of the largest national insurance shopping surveys to find the best providers for drivers—and we’re ready to share the results!

The study found no single “best” or “cheapest” provider for every driver. Unfortunately, insurance doesn’t come in a one-size-fits-all model. Every insurance provider bases their rates on age, location, coverage needs, and more, so rates vary between drivers and providers.

If you’re looking for the best car insurance policy, it’s about finding one that suits you and your needs. State Farm, Allstate, and Progressive dominate the insurance market in Nevada—but our survey respondents gave Esurance, GIECO, Mercury, and The General 5/5 rankings across the board.

It’s a good idea to shop around and compare policies to make sure you’re getting the best deal for what you need.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
AAA	November 1, 2024	5	“They provide excellent service within a reasonable time limit “ -Calvin
AAA	October 28, 2024	5	“I’m looking at bs while intoxicated. Don’t mind me. Ixoye” -Donald
Infinity	October 25, 2024	3	“Was with Infiniti for 5 years and this last new renewal the price went up $100 . They gave me no explanation. “ -Callie
Farmers	October 23, 2024	5	“This the best insurance I ever had” -Hester
Bristol West	October 22, 2024	5	“It’s been great customer service has been extremely helpful “ -Virginia

How we gathered this data

Jerry conducted one of the largest car insurance surveys in the U.S., gathering insights from 45,000 policyholders across all 50 states over 24 months. These policyholders, insured by 87 different companies, shared their experiences to help us assess satisfaction in key areas: policy cost, customer service, buying and renewal processes, and claims handling. All scores reflect feedback from real customers.

To find car insurance quotes online quickly without the hassle, it’s best to use a comparison app or website.

Jerry is the country’s top-rated car insurance comparison app and makes finding and comparing insurance quotes online simple. You can do it all from the convenience of your smartphone! Simply answer a few easy questions and let Jerry find you the best policies—all backed by a talented team of 100+ licensed insurance agents available to answer your questions.

Minimum liability and full coverage

All drivers in Nevada must meet the state’s minimum insurance requirements before hitting the Liability insurance is necessary, but you can also purchase full-coverage auto insurance for better protection.

Cheapest minimum liability coverage car insurance quotes in Nevada

Nevada’s minimum car insurance requirements follow a 25/50/20 pattern. Here’s a breakdown of what you must have:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident

Jerry can help you find the most affordable policy for minimum coverage.

Do you need more than minimum coverage in Nevada?

In Nevada, you must have liability car insurance that complies with the 25/50/20 state-mandated limits—but that doesn’t mean it’s all you should purchase.

If you’re involved in an at-fault accident, bodily injury and property damage costs can quickly exceed the 25/50/20 limits—leaving you on the hook for the remainder if the other party decides to sue.

Remember, Nevada’s car insurance laws allow drivers the right to claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident.

Paying these expenses out of pocket can be steep, so it’s almost always worth it to pay a little more for full-coverage insurance.

The bottom line: Drivers in Nevada should consider purchasing liability coverage that exceeds the state minimums—such as 50/100/50 or even 100/300/100—or purchasing a full-coverage policy.

Cheapest full coverage car insurance quotes in Nevada

Purchasing a full coverage insurance policy is one of the easiest ways to safeguard yourself against costs associated with an accident—and it’s usually not that much more expensive than a liability-only policy!

If you’re considering buying full coverage, you’ll get state-mandated liability insurance plus comprehensive and collision coverage.

Comprehensive insurance: Covers you against non-collision related incidents, such as theft, vandalism, fire, flood, wind, or falling objects
Collision insurance: Pays for damages to your vehicle resulting from a collision with another vehicle or stationary object

And if you’re financing or leasing a car, your lender will require this.

Remember that both collision and comprehensive coverage are subject to deductibles. If you’re involved in a crash and need this coverage, you’ll have to pay your deductible before your insurance provider pays out.

While you’ll pay higher insurance rates than for a minimum coverage policy, Jerry can help you find the best premium for the coverage you want.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car

State Minimum	No	Progressive	$222	Lucile, 38, Reno, NV
State Minimum	Yes	Bristol West	$619	Brent, 24, Las Vegas, NV	Dodge Charger Scat Pack
State Minimum	No	Progressive	$233	Raymond, 33, Henderson, NV	Hyundai Elantra Limited
State Minimum	No	Bristol West	$1,426	Shawn, 20, Las Vegas, NV	Toyota Camry LE
State Minimum	No	Progressive	$391	George, 22, Las Vegas, NV	Honda Civic Hybrid

Last Updated May 6, 2025

Average rates for state minimum liability coverage and full coverage

As of June 2023, the average cost of minimum liability coverage in Nevada is $162 per month, or $1,947 per year. For full coverage, Nevada drivers pay an average of $243 per month or $2,915 per year.

Luckily, using Jerry might help you reduce those costs.

Looking at the average annual premium in Nevada is a great way to help you estimate how much you can expect to pay for car insurance—but remember, it’s just an estimate. Various factors influence car insurance rates, so the national average might not be your average.

You can expect to pay more if you have traffic violations on your record. Likewise, if you’re a teen or new driver, you’ll have significantly higher rates than someone in their 40s or 50s.

Additional coverages to consider in Nevada

Meeting the minimum requirements in Nevada is a great place to start—the other party involved in a crash will be covered for bodily injury and property damage. But what about you? That’s where investing in additional insurance comes in handy.

Here are some coverages to consider:

Medical payments (MedPay)
Personal injury protection (PIP)
Uninsured/underinsured motorist protection

If you lease or finance a car: Gap insurance helps cover the difference between the car’s actual cash value and the amount you still owe if your vehicle is totaled or stolen.

If you frequently rent or borrow a vehicle: Non-owner car insurance offers liability coverage for bodily injury and property damage if you are liable in an at-fault accident. Still, it doesn’t cover damage to the actual vehicle you’re driving or your medical expenses.

Finding the right car insurance for every driver

We’ve mentioned that several factors affect how much you pay for car insurance. Here’s a breakdown of some of the most influential ones:

Driving record and claims history: Insurance providers don’t like driving violations, so the more accidents or tickets on your Nevada driving record, the higher your insurance payments will be.
Vehicle location: Insurance rates in big cities like Las Vegas and Reno are generally higher than in rural areas of the state. Rates will also vary based on your zip code—even in the same city.
Vehicle make and model: Luxury, high-performance, and sports cars have higher insurance premiums than other vehicles.
Credit score: While not all insurers use it, credit scores can affect car insurance costs in Nevada—and a poor credit score means a higher insurance rate.
How you use your car: Cars driven for work typically have higher insurance premiums than cars driven for leisure.
Your age: Teen drivers and seniors typically pay the highest premiums of any age demographic—but they also have various discounts to help lower them!

Cheapest Nevada car insurance after a driving violation

Driver violation points have a significant impact on car insurance rates—and they can also affect which insurance company will insure you. Some insurance providers are willing to insure high-risk drivers (which comes at a premium) and others aren’t, especially with big violations like a DUI or reckless driving.

Cheapest car insurance for Nevada speeding tickets

If you’ve received a Nevada speeding ticket, it’s not the end of the line for car insurance. Drivers are penalized based on the degree of speeding and prior offenses—though penalties for speeding in Nevada are stricter than in other states.

Here’s what we mean:

The maximum fine for speeding in Nevada is $1,000, but the fines cannot be more than $20 for each mile an hour you were going beyond the posted speed limit.

5 mph over the speed limit: $100 fine + 1 point added
10 mph over the speed limit: $200 fine + 2 points added
15 mph over the speed limit: $300 fine + 2 points added
20 mph over the speed limit: $400 fine + 3 points added
21+ mph over the speed limit: $420+ fine + 4 points added

That said, the amount of your fine will depend on several factors, including:

Any previous speeding tickets
Where you were speeding (work or school zone)
How fast you were going

Speeding is considered a misdemeanor in Nevada and can land you in jail for up to six months if the offense was severe enough. On top of fines and possible jail time, it also comes with demerit points on your driving record.

The result isn’t just a poor record—it’s also a big increase in your car insurance rates and a possible license suspension.

Regardless of the violation, Jerry helps drivers find affordable rates with great insurance companies.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Speeding Violation-Major	Mendota	$82	Sue, 38, Reno, NV	State Minimum	No
Speeding Violation-Major	Progressive	$374	Henry, 35, North Las Vegas, NV	State Minimum	No
Speeding 11-15	Progressive	$1,345	Adelaide, 34, North Las Vegas, NV	State Minimum	Yes
Speeding 16-20	Mendota	$217	Johanna, 23, Mesquite, NV	State Minimum	No
Speeding 1-5	Bristol West	$145	Ivan, 39, Carson City, NV	State Minimum	No

Last Updated May 6, 2025

Cheapest auto insurance in Nevada after a DUI

Nevada DUI laws state that drivers over the age of 21 cannot have a blood-alcohol level of 0.08% or higher—and lower thresholds are in place for younger drivers.

If you’re caught with a BAC higher than the legal limit, the conviction will remain on your driving record for seven years
Penalties include a fine, potential jail time, license revocation, IID requirements, SR-22 requirements, and community service,
On average, drivers with a DUI pay 56% more for car insurance than drivers without one

Luckily, insurance providers offer many discounts to help reduce your costs. Jerry has helped drivers with major convictions land affordable insurance.

Nevada SR-22 insurance

Depending on the severity of the violation, you may be required to file a Nevada SR-22 before you can have your driving privileges reinstated. Insurance providers file SR-22 for high-risk drivers as proof they meet the state’s minimum insurance requirements.

You may have to file an SR-22 for the following violations:

Driving without insurance
Driving without a valid driver’s license
DUI or DWI conviction
Hit-and-run
Reckless driving
Distracted driving
Repeated driving violations
An at-fault collision leading to death or injury

SR-22 certificates are usually required for three years from the date of conviction in Nevada, but the severity of the conviction can shorten or lengthen the term—this is at the discretion of the Nevada DMV.

Also, remember that some insurers do not offer insurance for drivers requiring an SR-22 or may offer limited coverage options. That’s why it pays to shop around and compare quotes.

Cheapest Nevada auto insurance after an at-fault accident

A clean driving record is one of the best things you can do for your insurance rates since it reassures insurers that you’re a safe driver and aren’t likely to file a claim.

If you have a fender bender or a major at-fault accident on your record, you can expect your rates to increase thanks to a high-risk driver label.

But it’s not all bad news—work to eliminate the accidents on your record (and keep a clean driving record in the meantime) while Jerry helps you find an affordable policy.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

At Fault With No Injury	Bristol West	$619	Brent, 24, Las Vegas, NV	State Minimum	Yes
Not At Fault	Progressive	$233	Raymond, 33, Henderson, NV	State Minimum	No
At Fault With No Injury	Bristol West	$1,426	Shawn, 20, Las Vegas, NV	State Minimum	No
Not At Fault	Progressive	$391	George, 22, Las Vegas, NV	State Minimum	No
At Fault With No Injury	Root	$385	Brett, 31, Reno, NV	State Minimum	Yes

Last Updated May 6, 2025

FAQ

How much is car insurance in Nevada?

Finding cheap car insurance would be simple if one provider offered the best rate for everyone—but unfortunately, that’s not the case. Car insurance premiums vary based on age, driving record, coverage needs, and location, so there is no consistent rate between driver profiles.

It’s a good idea to shop around and compare rates from at least 3 different providers—it’s the only way to ensure you’re not overpaying!
Do you need insurance to register a car in Nevada?
Yes—to register a vehicle in Nevada, you’ll need to provide proof of insurance that meets the state minimum insurance requirements. Here’s a breakdown of what you’ll need:
- Nevada proof of insurance
- Electronic Dealer Report of Sale (EDRS)
- Nevada Emission Vehicle Inspection Report
- Current odometer reading
Who has the cheapest car insurance in Nevada?

There is no single cheapest insurance provider in Nevada but Nationwide, State Farm, and Erie generally offer some of the most competitive rates.

Cheapest auto insurance after other violations in Nevada

Having a DUI or speeding ticket on your driving record can do a doozy to your insurance costs—but other violations can, too. Driving without a license or insurance, failing to stop at a stop sign, or improper lane changes may also affect rates.

If you’ve landed yourself one of these violations, Jerry can still help you find affordable rates.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Other Minor	Progressive	$288	Luella, 24, Las Vegas, NV	State Minimum	No
Leaving scene of an Accident/Hit and Run	Progressive	$373	Ralph, 21, Henderson, NV	State Minimum	Yes
Failure to Obey Signal	Bristol West	$478	Paul, 56, North Las Vegas, NV	State Minimum	No
Improper Passing	Root	$216	Sadie, 26, Las Vegas, NV	State Minimum	No
Cell Phone	Progressive	$180	Harry, 54, Las Vegas, NV	State Minimum	Yes

Last Updated May 6, 2025

Cheapest Nevada auto insurance based on insurance history

Regardless of the reason why you didn’t have insurance, a lapse in insurance coverage pegs you as a risk for insurers and raises your insurance rates. Drivers with a lapse of less than 30 days pay an average of 8% more for insurance, while drivers with a coverage lapse of more than 30 days saw an average rate increase of 35%.

But fear not—you’ll never miss a payment with Jerry! When a payment is coming up, Jerry gives eligible drivers the option to turn on notifications to help them avoid missing a payment or having a lapse in insurance coverage.

Whether you’ve had continuous insurance or not, Jerry can help you find savings on a new insurance policy.

Cheapest car insurance for drivers with poor credit

Unlike paying off your credit card, paying for your car insurance doesn’t build credit—but having a poor credit score can affect how much you pay. Most insurers don’t like taking the chance that your premium will go unpaid.

Although this isn’t the case in every state, insurers can look at credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the more likely they may be to make a claim and the higher the resulting insurance cost.

Drivers with poor credit ratings see average rates that are significantly higher than drivers with good ones. If you have a fair or poor credit score and are looking for affordable car insurance, shopping around with a comparison app or website can help you narrow your choices and find the best rate.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

<550	Bristol West	$145	Wayne, 39, Carson City, NV	Nissan Rogue Select S	State Minimum	No
550-659	Mendota	$303	Louisa, 43, Las Vegas, NV	Toyota Scion XB	State Minimum	Yes
<550	Mendota	$318	Fred, 52, North Las Vegas, NV	Nissan Sentra S	State Minimum	Yes
550-659	Mendota	$433	Cordelia, 41, Las Vegas, NV	Chevrolet Silverado C1500	State Minimum	Yes
550-659	Root	$259	Georgia, 40, Reno, NV	Nissan Altima 3.5se	50/100	No

Last Updated Apr 30, 2025

Cheapest Nevada car insurance by age

Drivers under 25 pay some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. Once you hit 25, more experience means rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.

For teens and seniors, Nationwide and Allstate offer affordable options, but other providers may have competitive rates.

Cheapest Nevada car insurance for young drivers

Teen drivers aged 16 to 19 have the highest car insurance rates of any age bracket in Nevada because they’re at the highest risk of being involved in a car accident. But this also applies to drivers under 25 or new drivers who don’t have a long history of safe driving.

If you’re a new driver without a lot of on-road experience, consider investing in a full-coverage policy that offers more protection on the road and greater financial protection if you’re involved in a crash.

While 25 might not be the magic number for all drivers, a comparison app like Jerry can help find cheap car insurance for new drivers without the hassle.

Cheapest Nevada car insurance for senior drivers

On the other end of the spectrum, we have drivers with an abundance of experience and high car insurance rates. This is because drivers in their mid-70s and onwards are at a higher risk of mortality, hospitalization, and high medical expenses from car accidents. They also have slower reflexes that increase the risk of being involved in an accident.

GEICO seems to lead the race for the best car insurance for seniors, but using a comparison app to check out other quotes is still a good idea.

Cheapest car insurance for popular cars

The make and model of your car matter to insurance companies. They’ll look at reliability, repair costs, and safety when determining rates—meaning the more reliable and safe your car is, the lower the insurance.

But dollar signs also play a role. Vehicles with a higher book value typically cost more to insure than cheaper cars because insurers have to pay out more if it’s involved in a crash.

In Nevada, these are some of the most popular and affordable models to insure:

Ford F-150
Honda Accord
Toyota RAV4

Learn more: How to get car insurance before buying a car

Popular and dependable, you can be sure that parts for these cars will almost always be available. Pair them with a car insurance policy from Jerry and you’ve got a ride that won’t break the bank.

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

	Mendota	$203	Rebecca, 54, Las Vegas, NV	State Minimum	Yes
Honda Accord LX	Mendota	$203	Christian, 24, Las Vegas, NV	State Minimum	No
Toyota Rav4 LE	Bristol West	$611	Lucile, 25, Las Vegas, NV	State Minimum	No
	Progressive	$225	Gerald, 61, Las Vegas, NV	State Minimum	Yes
Toyota Rav4 LE	Progressive	$126	Genevieve, 34, Las Vegas, NV	State Minimum	Yes

Last Updated May 6, 2025

Car insurance cost for new vs. old car

The value of a car usually decreases with age, but insurance doesn’t always follow suit. Insurance rates are determined by how much an insurer would have to pay if the car was damaged or stolen, so they’ll look at things like software and added features. In general, newer cars are more costly to insure than older cars.

Safety is also a consideration. Newer cars have more safety features that reduce the risk of a car crash, reducing your monthly premium—but the fancy parts on a new car can be more expensive to replace in the event of a total loss.

How to find cheap Nevada insurance in your city

In Nevada, high-population areas like Las Vegas and Reno usually have higher rates than small cities like Virginia City, Ely, or Lovelock.

Areas with high traffic, theft, and accident rates all cause insurance rates to go up. But regardless of where you live, Jerry can help you compare quotes across providers to find the cheapest rate.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage

Reno, NV	Lucile	Progressive	$222		State Minimum	No
Las Vegas, NV	Brent	Bristol West	$619	Dodge Charger Scat Pack	State Minimum	Yes
Henderson, NV	Raymond	Progressive	$233	Hyundai Elantra Limited	State Minimum	No
Las Vegas, NV	Shawn	Bristol West	$1,426	Toyota Camry LE	State Minimum	No
Las Vegas, NV	George	Progressive	$391	Honda Civic Hybrid	State Minimum	No

Last Updated May 6, 2025

How to lower car insurance costs in Nevada

Finding the best cheap car insurance can be tricky, but what’s affordable for you depends on what you’re willing to pay. If you’re keen on saving a few bucks, there are simple ways to reduce your car insurance costs:

Shop around and compare quotes between insurance providers
Look at insurance policy costs before buying a car
Increase your deductible for comprehensive and collision insurance
Reduce insurance coverage where it’s not needed—especially on older cars
Bundle your auto and homeowners insurance to get driver discounts
Improve your credit score
Ask about car insurance discounts, such as good student discounts, good driver discounts, or low mileage discounts
Take a defensive driving course

Why car insurance is so expensive in Nevada

Whether you’re coming for the fame and fortune in the Strip or driving through the desert, there’s a lot that Nevada has to offer—but cheap car insurance might not be on the list. While several factors affect car insurance rates, there are a few heavy hitters that you can blame for higher rates:

Higher vehicle repair costs
More drivers on the road (including tourists)
Expensive healthcare
Uninsured driver rate
Relaxed alcohol laws
High vehicle theft rate

FAQ

Why is car insurance so expensive in Nevada?

Car insurance rates vary based on personal factors like age and location, but state-specific factors like crime and weather also determine them. In Nevada, a high number of drivers on the road combined with expensive healthcare costs, a high rate of uninsured drivers, and relatively relaxed alcohol laws all contribute to expensive insurance rates.
Does insurance follow the car or the driver in Nevada?

As in most states, car insurance in Nevada typically follows the car. That means that if someone else is driving your car and gets into a crash, your policy will cover damage and injury to the other party up to your coverage limits.
Is it illegal to drive without insurance in Nevada?

Driving without insurance is illegal in all states, including Nevada—but the penalties depend on prior offenses and how long you’ve been uninsured for. There is no grace period for insurance lapses in Nevada, so being uncovered for even a day can lead to registration suspension and a $250 reinstatement fee.

If it’s your first offense and your coverage has lapsed for less than 30 days, your driving privileges will be suspended but there is no fine. A lapse of 31–90 days results in a $250 fine; 91–180 days results in a $500 fine; and 181 days or more results in a $1,000 fine.

A lapse of more than 91 days requires you to file an SR-22 certificate, too.
Does Nevada have high car insurance?

Although not the highest rates in the country, Nevada’s insurance rates average about 20% higher than the national average.4 Florida, however, takes the cake for the highest rate, sitting at 52% above the national average.

MEET OUR EXPERTS

R.E. Fulton

Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

^†Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.