Compare car insurance quotes in Nevada
Jerry is a free app trusted by 19,694 Nevada drivers that compares insurance quotes from top carriers.
-
Get personalized options in minutes.
-
Buy, bundle and switch right in the app.
-
Licensed agents are ready to help if you need them.
Average Nevada car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Nevada, Jerry drivers pay:
-
$137 to $264 per month for state-mandated minimum coverage.
-
$341 to $658 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often get even lower rates. Over the last 12 months, Jerry has helped Nevadans save an average of $429 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help and do the legwork so you can compare quotes and get covered in Nevada in under 10 minutes. The process is entirely online and free. That means no spam calls because we never sell your data. You stay in control, but if you prefer to talk to a real person, you can connect with a licensed agent anytime.
Keep in mind that rates vary from driver to driver based on things like your history on the road, the car you own and where you’re located. Here are some full coverage rates that Jerry drivers in Nevada have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Nevada is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Nevada drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage, or just choosing the cheapest car insurance in Nevada, shopping around helps you find the right fit.
Jerry helps you find quotes from up to 11 trusted insurers in the Silver State, so you get the full picture of what’s available and how much you should be paying.
Here are some of the most recent quotes Jerry has been able to pull for Nevada drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Nevada
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Nevada car insurance coverage requirements
Drivers in Nevada are legally required to carry liability insurance coverage. State minimum requirements include:
-
$25,000 for bodily injury per person.
-
$50,000 for bodily injury per accident.
-
$20,000 for property damage per accident.
While this is the minimum insurance you need to buy before you can legally drive in Nevada, many Jerry drivers actually choose higher liability limits, along with comprehensive and collision coverage. When you also consider that over 11% of Nevada drivers are uninsured or underinsured, it may also be wise to purchase uninsured/underinsured motorist (UIM) protection.
-
Coverage definitions
Factors affecting Nevada car insurance rates in 2026
Tourism-driven congestion
Las Vegas and Reno combine daily commuters with out-of-town drivers who don’t always know the roads. That mix can increase collision frequency, especially around resorts, event venues, and major interchanges, which can raise premiums in high-traffic ZIP codes.
Extreme heat and vehicle stress
Peak summer temperatures can accelerate wear on batteries, tires, and cooling systems, and heat can also contribute to tire blowouts on highways. Keeping up with maintenance helps prevent roadside incidents that can turn into expensive claims.
Theft and vandalism exposure
Property crime can translate into more theft and break-ins, particularly for vehicles parked outdoors in busy areas. Comprehensive coverage typically covers theft-related losses, which is why it can be more valuable here than drivers expect.
Uninsured drivers
Roughly 1 in 8 Nevada drivers is uninsured. UM/UIM coverage helps protect you if you’re hit by someone without enough insurance to cover injuries or damage.
High-speed corridors and desert highways
Outside metro areas, Nevada has long stretches of high-speed driving where crashes can be severe and tow distances can be long. Solid liability limits and collision coverage matter more when an accident happens far from services.
Flash flooding and desert storms
Desert storms can drop intense rain quickly, creating flash floods and hazardous road conditions, even in areas that look bone-dry most of the year. Comprehensive coverage typically covers flood-related vehicle damage, and avoiding standing water is one of the best ways to prevent a total loss.
Average cost of car insurance in major Nevada cities
|
City
|
Average monthly cost
|
|---|
|
City
|
Average monthly cost
|
|---|---|
| $458 | |
| $361 | |
| $484 | |
| $258 | |
| $275 | |
| $272 | |
| $187 | |
| $233 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Nevada quotes in as little as 2 minutes.
Learn more about driving in Nevada
-
Learn how at-fault states affect your car insurance.
-
Understand the 6 main types of car insurance coverage.
-
Find out how much car insurance you need.
-
Learn about uninsured motorist coverage and why it matters.
-
Discover how to get the best car insurance discounts.
FAQ
-
Is Nevada an at-fault state?
-
What happens if I drive without insurance in Nevada?
-
Does Nevada require personal injury protection (PIP)?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.