Cheapest Auto Insurance in Nevada for July 2025

Written by Ben Moore and 1 other
Updated Jun 30, 2025
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Cheapest Auto Insurance in Nevada for July 2025

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Key Takeaways
  • Gainsco, Trexis and Progressive offer some of the cheapest car insurance in Nevada.
  • The average cost of minimum coverage in Nevada is around $200 per month.
  • Compare quotes from multiple insurers to find cheap car insurance in Nevada.

You may get cheap auto insurance in Nevada from insurers like Gainsco, Trexis and Progressive. These companies were regularly among the cheapest options in the state, according to real quotes for Jerry customers.

Below are other cheap car insurance companies for both minimum and full coverage, plus by age, driving history and credit score.

To find the best car insurance in Nevada, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Nevada.

Cheap liability car insurance in Nevada

In Nevada, many drivers choose minimum coverage insurance to fulfill legal standards while avoiding high monthly premiums. These plans cover other drivers if you’re at fault in a crash but exclude any compensation for your own vehicle. They’re popular among people with older vehicles or limited budgets. To maximize savings, Nevada drivers should compare several quotes from different insurance companies.

These are the cheapest car insurance companies in Nevada for minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
The General $60 $721
Gainsco $82 $986
Trexis $98 $1,171
National General $154 $1,842
Dairyland $174 $2,093
Mendota $214 $2,571
Progressive $242 $2,907
Bristol West $271 $3,247
Root $274 $3,291
Last Updated Jun 28, 2025

Minimum car insurance requirements in Nevada

Drivers in Nevada are required to carry a minimum amount of car insurance. These requirements are:

  • $25,000 for bodily injury per person.
  • $50,000 for bodily injury per accident.
  • $20,000 for property damage per accident.

Cheap full coverage car insurance in Nevada

Finding affordable full coverage car insurance in Nevada means securing protection for your vehicle and financial peace of mind. Full coverage often includes liability, collision and comprehensive insurance so both your car and others’ are financially protected. If your car holds significant value, a full coverage policy is the only way to ensure repairs or replacements are taken care of.

Here are the most affordable insurers in Nevada for full coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $220 $2,639
Aspire Advantage $245 $2,942
National General $266 $3,192
Assurance America $285 $3,424
The General $289 $3,473
Embark General $306 $3,668
Progressive $325 $3,898
Anchor General $331 $3,974
Gainsco $338 $4,051
Dairyland $348 $4,170
Last Updated Jun 28, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average car insurance costs for young drivers in Nevada

Young drivers in Nevada are often hit with higher insurance rates due to their age and elevated accident likelihood. Insurers see newer drivers as unpredictable, especially in high-traffic areas like Las Vegas. Even without violations, premiums remain steep until a track record is established.

Below are the average costs of car insurance in Nevada for drivers between 18 and 24.

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $618 $7,415
21-24 $440 $5,279
Last Updated Jun 28, 2025

Cheap liability car insurance in Nevada for a 20-year-old

A 20-year-old in New Hampshire might go with liability-only insurance to fulfill legal obligations affordably. It’s a smart pick for those whose cars wouldn’t benefit from comprehensive protection and this streamlined plan offers basic coverage while supporting a tighter budget.

Here are the most affordable insurers in Nevada for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Mendota $418 $5,015
Root $467 $5,598
Progressive $622 $7,459
Bristol West $1,426 $17,114
Last Updated Jun 28, 2025

Cheap full coverage in Nevada for a 20-year-old

A 20-year-old in New Hampshire might find full coverage appealing for its protection from both driving and weather related accidents. For someone still establishing financial security, avoiding large repair bills can be critical and this insurance provides a cushion against financial risks they may not be able to handle alone.

Below are the cheapest auto insurers in Nevada for 20-year-olds with full coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Root $621 $7,457
Bristol West $836 $10,028
Progressive $857 $10,282
Mendota $992 $11,904
Last Updated Jul 1, 2025

Average auto insurance costs for mature drivers in Nevada (25-54)

Nevada drivers with extensive road experience often receive discounts from insurers because of their reduced accident risk. The longer someone drives safely, the more they benefit financially as insurance companies see that reliability and offer better rates.

Below are the average costs of car insurance for drivers in Nevada between the ages of 25 to 54.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $323 $3,873
35-44 $287 $3,445
45-54 $273 $3,271
Last Updated Jun 28, 2025

Cheapest liability car insurance in Nevada for a 35-year-old

A 35-year-old in Nevada may opt for liability-only insurance if they drive a car that’s no longer worth covering extensively. Living in areas with high traffic or heat can age a vehicle quickly, making this option more practical. A seasoned driver might also feel comfortable maintaining only basic coverage.

Here are the most affordable insurers in Nevada for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
National General $142 $1,703
Mendota $207 $2,484
Root $231 $2,777
Progressive $239 $2,865
Bristol West $298 $3,572
Last Updated Jun 28, 2025

Cheapest full coverage in Nevada for a 35-year-old

A 35-year-old might opt for full coverage to protect their car from intense heat as well as traffic. Parking lot dings and road hazards are common in busy areas and comprehensive policies help reduce financial strain from these minor but frequent issues. It’s a sensible move for those who want consistent vehicle protection.

Below are the cheapest auto insurers in Nevada for 35-year-olds with full coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Progressive $308 $3,699
Anchor General $331 $3,974
Mendota $369 $4,423
Root $445 $5,337
Bristol West $484 $5,810
Last Updated Jun 28, 2025

Average car insurance costs for older drivers in Nevada (55+)

Drivers over 55 in Nevada may experience rising insurance costs due to slower reflexes and heightened vulnerability. As those abilities change, even slightly, insurers recalibrate risk accordingly and this can result in incremental adjustments to premium pricing.

Below are the average costs of car insurance for drivers in Nevada 55 and older.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $249 $2,993
65+ $243 $2,920
Last Updated Jul 1, 2025

Cheapest liability car insurance in Nevada for a 65-year-old

In Nevada, seniors may choose liability-only insurance if they’re no longer driving on busy freeways or during peak hours. Older vehicles without loans attached don’t typically require extra coverage and this option keeps them compliant with the law while trimming costs.

These are the cheapest car insurance companies in Nevada for 65-year-olds with minimum coverage, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Mendota $133 $1,598
Progressive $176 $2,115
Bristol West $201 $2,416
Root $279 $3,348
Last Updated Jun 28, 2025

Cheapest full coverage in Nevada for a 65-year-old

Nevada seniors may choose full coverage auto insurance to shield their vehicles from accidents, weather and theft. Maintaining financial health by minimizing unexpected repair costs can be essential in retirement. Many older adults depend on their cars for daily errands and activities so they value comprehensive coverage.

Below are the cheapest auto insurers in Nevada for 65-year-olds with full coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Safeco $158 $1,899
Progressive $217 $2,603
Mendota $252 $3,021
Root $330 $3,962
Bristol West $343 $4,119
Last Updated Jun 28, 2025

Cheapest car insurance in Nevada by driving history

Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.

Cheap car insurance for drivers with clean records in Nevada

Drivers in Nevada with clean records are often rewarded with better insurance terms. It shows that you’re cautious and reliable on the road and insurers are more confident offering flexible options and lower prices to low-risk drivers. A good record sets the foundation for better service and pricing.

Here are the most affordable insurers in Nevada for those with clean driving records, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Trexis $112 $1,341
Assurance America $150 $1,794
Aspire Advantage $154 $1,853
National General $161 $1,927
Anchor General $172 $2,062
Last Updated Jun 28, 2025

Cheapest car insurance with a speeding ticket in Nevada

A speeding ticket in Nevada can have an effect on how your insurance policy is handled. It may indicate a tendency to overlook traffic laws and this could lead to rate changes or fewer options at renewal.

These are the cheapest car insurance companies in Nevada for drivers with a speeding ticket, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Embark General $204 $2,446
National General $274 $3,284
Dairyland $277 $3,322
Progressive $295 $3,535
Gainsco $296 $3,554
Last Updated Jun 28, 2025

Cheapest car insurance after an at-fault accident with no injury in Nevada

Being responsible for a no-injury accident in Nevada still leaves a mark on your insurance profile. While no one was hurt, the damage and claim process are still important to insurers and these types of incidents are recorded and may affect your premium.

Here are the most affordable insurers in Nevada for those with an at-fault accident with no injury, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Trexis $48 $575
The General $66 $787
Aspire Advantage $94 $1,124
Anchor General $119 $1,422
National General $156 $1,869
Last Updated Jun 28, 2025

Cheapest auto insurance after an at-fault accident with injury in Nevada

An at-fault accident involving injuries is viewed as a serious liability concern. These claims often involve medical costs and legal follow-up and your insurer may respond by changing your policy terms. It’s a significant factor in how you’re evaluated moving forward.

Below are the cheapest auto insurers in Nevada for people with an at-fault accident with injury on their driving record.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $73 $878
National General $96 $1,151
Progressive $327 $3,920
Root $344 $4,124
Mendota $409 $4,912
Last Updated Jun 28, 2025

Cheapest car insurance with a DUI in Nevada

A DUI in Nevada has major implications for your insurance status. It reflects a disregard for public safety and legal limits and most insurers react by applying higher rates and stricter requirements.

Here are the most affordable insurers in Nevada for those with a DUI, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Anchor General $101 $1,212
Aspire Advantage $104 $1,243
National General $165 $1,976
Root $306 $3,669
Mendota $337 $4,047
Last Updated Jun 28, 2025

Average auto insurance costs for Nevada drivers with other violations

Other infractions in Nevada, such as failing to signal or driving with a revoked license, may impact your insurance. These actions suggest a pattern of risk that insurers don’t ignore and frequent violations contribute to a more restricted policy environment. A clean record helps maintain access to better terms.

Below are average car insurance costs in Nevada for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $247 $2,969
Cell Phone $195 $2,345
Driving on Sus. License $345 $4,139
Failure to Obey Traffic Sign $340 $4,081
Illegal Turn $729 $8,750
Last Updated Jun 28, 2025

Cheapest auto insurance for low credit scores in Nevada

You’ll likely pay more for auto insurance if you have a low credit score. That’s because insurers in Nevada use credit as a factor in car insurance rate calculations — and drivers with low scores have been shown to be more likely to file a car insurance claim.

Here are the cheapest auto insurance companies in Nevada for drivers with a credit score below 550.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
The General $76 $916
Anchor General $106 $1,267
National General $190 $2,281
Aspire Advantage $221 $2,653
Dairyland $272 $3,264
Last Updated Jun 28, 2025

Learn more: How a credit-based insurance score works


How to find cheap car insurance in Nevada

Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.

You can also try these tips to lower your auto insurance costs:

  • Ask your insurer about discounts you qualify for.
  • Install a telematics app on your phone. 
  • Improve your credit score.
  • Pay your policy in full.
  • Bundle your home and car insurance policies with the same company.
Find affordable car insurance in minutes.

Learn more: Best car insurance companies


Factors that affect car insurance costs in Nevada

How much you pay for coverage depends on a variety of factors, including your:

  • ZIP code.
  • Driving history.
  • Vehicle’s year, make, and model.
  • Claims history.
  • Car usage and miles driven.
  • Deductible amount.

Learn more: How car insurance rates are calculated


Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Ben Moore

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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.