Good news for Nevada drivers: Jerry’s latest data shows that liability coverage in the Silver State averages about $226 per month. Nevada’s mix of desert weather, high crash severity and some of the highest urban claim costs in the country means rates can shift quickly from one ZIP code to the next. Over the past year we’ve helped 15,560 Nevadans lower their premiums, and drivers who switch with Jerry save an average of $472 per year without giving up meaningful protection.
Jerry compares quotes from up to 10 trusted insurers in Nevada to build your policy and help you secure your best price in minutes.
Save on Nevada insurance with Jerry.
What Nevada drivers are paying right now
Car insurance prices in Nevada move fast. Between Las Vegas tourism traffic, high-speed rural highways, extreme heat that damages vehicles and rising theft rates, insurers adjust pricing more frequently here than in many states. Even two drivers with clean records and similar cars can see dramatically different premiums depending on where they live.
Jerry tracks live quotes across Nevada to give you a clear view of what drivers are actually paying. Below are recent full coverage policies purchased through Jerry and what those drivers paid.
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.
Key takeaway: Check your rates regularly. In Nevada, everything from summer heat to rising repair costs to shifting metropolitan congestion can nudge your premium up or down by renewal.
4 easy ways Jerry helps Nevada drivers save on car insurance
Saving on car insurance in Nevada isn’t just about finding the lowest sticker price. It’s about understanding what actually drives your rate… and knowing what you can change without weakening your coverage.
Jerry compares real quotes, uncovers discounts you may not know you qualify for and shows you exactly where you can cut costs responsibly.
Here are our top tips to help you spend less and worry less.
| How to save | Average Nevada driver savings |
|---|---|
| Compare quotes | 45% to 77% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Avoid coverage lapses | 15% |
*Among all Jerry drivers nationwide.
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 Agent Tip 1: Compare quotes from multiple insurers
Nevada’s insurance pricing varies dramatically between companies because risk varies dramatically across the state. Las Vegas and Reno have high crash frequency, theft rates and pedestrian traffic, while rural counties see fewer accidents but more severe ones. Extreme heat, monsoon storms and high annual mileage also play a role, and insurers weigh each factor differently.
Comparing quotes side by side with Jerry is the fastest way to avoid overpaying.
Here’s where Nevada drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Nevada drivers who switched | Average Jerry savings |
|---|---|---|
| Mendota Auto Insurance | 31% | 33% |
| Root | 31% | 33% |
| Progressive | 23% | 32% |
| Bristol West | 8% | 1% |
| Trexis | 8% | 54% |
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.
Why it matters: Premiums can swing widely between Las Vegas and smaller towns like Ely or Winnemucca. Jerry shows you these price differences instantly so you can choose the best fit for your budget.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Nevada drivers qualify for several discounts like multi-policy bundles, safe-driver savings, paperless billing, anti-theft device discounts and, in some areas, vehicle-storage or mileage-based credits. But insurers don’t always surface these automatically.
Jerry finds the discounts you qualify for so savings don’t get left behind.
Key takeaway: Combining multiple discounts often saves more money than adjusting your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Nevada drivers deal with everything from sand and rock chips to flash floods to high vehicle-repair costs in urban centers. That means choosing the right deductible matters. Raising your deductible can lower your monthly premium, but only go this route if it’s an amount you can comfortably afford after a claim.
Here’s what Jerry drivers are chose for their deductibles in the past year:
To find your ideal deductible:
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Review your vehicle’s value (Jerry tracks this automatically each month).
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Choose an out-of-pocket number you can realistically cover.
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Compare real-time pricing changes across deductible tiers.
The Jerry difference: Jerry shows instant pricing for multiple deductible options so you can choose the balance of cost and coverage that fits you best.
Jerry Agent Tip 4: Keep a clean driving record
A coverage gap is one of the most expensive mistakes Nevada drivers can make. Jerry data shows that drivers who experience even a short lapse in insurance see their premiums rise by 15% on average once they restart a policy. Nevada insurers treat continuous coverage as a strong indicator of lower risk, so keeping your policy active is one of the simplest long-term savings strategies.
Jerry helps you compare real-time pricing across multiple coverage levels so you can choose a policy that fits your budget month after month. And once you’re covered, we’ll revisit your policy to help you keep your rate competitive.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Nevada requires at least 25/50/20 liability coverage, but many drivers choose higher limits or additional protections depending on their commute, vehicle value and exposure to theft or extreme weather.
Here are the coverage tiers you’ll see when shopping:
Minimum
$139 – $262/mo
Meets state liability requirements but won’t cover your own vehicle.
Full
$218 – $421/mo
Adds collision and comprehensive, important in a state with high theft and weather-related claims.
Preferred
$415 – $852/mo
Top-level coverage includes higher limits, lower deductibles and extras like towing or rental reimbursement.
Key takeaway: Start with your comfort level around risk and your vehicle’s value. Jerry shows real-time prices for every coverage tier so you can select confidently.
While liability-only is Nevada’s cheapest option, adding comprehensive or collision is often smart given the state’s high rates of theft, vandalism and weather-related losses.
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Coverage definitions
Nevada insurance factors at a glance
Nevada’s unique driving environment — a mix of dense tourism traffic, extreme desert weather and rapid population growth — shapes what insurers charge more than most drivers realize. These real-world conditions show up directly in your premium.
Urban congestion
Las Vegas and Reno see heavy traffic, tourist drivers and higher collision accident rates.
Extreme heat
Vehicle damage and breakdown claims increase during peak summer temperatures.
Theft and vandalism
Nevada ranks high in property crime, making comprehensive coverage valuable.
Uninsured drivers
Roughly 1 in 8 Nevada drivers is uninsured, increasing the importance of UM/UIM coverage.
Nevada Insurance After a Ticket, Accident or SR-22
Jerry ensures one mistake doesn’t define your insurance rate forever, so we work with insurers that take a balanced view of your record. As your risk profile improves, we’ll also help you stay on top of your coverage and continue shopping for the best pricing.
If you got a ticket
Nevada assigns points for speeding, failure to yield, reckless driving and other violations. Too many points can trigger license consequences, and even a single ticket can increase your premium for several years. Some drivers may qualify for traffic school to reduce the impact.
Sign up in the Jerry app and we will monitor your driving record. Once the violation clears, Jerry automatically shops for lower rates.
Here are the average rate increases we’ve seen for Nevada drivers after a ticket:
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Speeding under 15: 14%
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Speeding over 15: 16%
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Failure to obey traffic sign: 9%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Nevada is an at-fault state, meaning the responsible driver pays for damages. An at-fault accident typically raises premiums by 17% and those higher rates often stick around for three to five years. Jerry finds your best available price immediately, then continues monitoring your coverage when the accident drops off so you can begin shopping for even better rates.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $398 |
| At Fault With No Injury | $437 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
There’s no real way around it: Your rates will likely go up after a DUI and stay elevated for about three to five years. In fact, drivers will see their premiums initially rise by about 43% after a DUI conviction.
But that doesn’t mean you have to overpay. Jerry connects you with top carriers that specialize in fair rates and reliable protection today, then monitors your policy later on to help you continue the savings.
Here are the most competitive carriers that cover Alabama drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $291 | Yes | |
| $295 | Yes | |
| $310 | Yes | |
| $333 | Yes | |
| $457 | Yes |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Nevada
Nevada may require an SR-22 after certain violations, uninsured crashes or license suspensions. Select the SR-22 option in the Jerry app to see only insurers that file these forms. Most charge about $25 per year for the paperwork.
Car Insurance with Bad Credit
Nevada allows insurers to use credit-based insurance scores when setting rates, but credit is only one component of your price. Continuous coverage, a clean driving record and smart deductible decisions often make a larger difference.
Jerry helps you compare prices instantly so you can find the insurer that treats your credit profile most favorably.
Average rates in Nevada by credit score
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.
Drive with confidence
Nevada’s combination of harsh heat, heavy tourism traffic and high theft rates means there’s no single cheapest policy for everyone. The best coverage is the one that fits how you actually drive.
Jerry makes it easy to compare real rates, customize your protection and revisit your coverage whenever you qualify for better pricing.
Get Nevada quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
