To help drivers find the cheapest auto insurance our analysts collected thousands of quotes to identify which companies had the most affordable rates in Nevada. Based on our analysis of 16 insurers, we found that the annual rates differed by almost $2,400 for the benchmark drivers and car between the most expensive and cheapest. There are many factors that influence how insurers determine a driver’s rates, and they're weighted differently from one carrier to another. That's why it's important to shop around and compare from at least three insurers in Nevada for the best car insurance quotes.
- Cheapest Auto Insurance Companies
- Best Insurance Rates: by City
- Average Cost of Car Insurance: by City
- Best Auto Insurance Companies in Nevada
Cheapest Auto Insurance in Nevada
We analyzed quotes from 16 providers for our two sample drivers across 30 cities to find the cheapest auto insurance companies in Nevada. The graph below shows the top six insurance companies that offer the most affordable rates as well as the overall state average for our benchmark set. Allied, Oregon Mutual, GEICO, Capital, USAA, and Farmers ranked with the six most affordable quotes for insuring our sample Toyota Camry. Together, they quoted an average rate of $879 for our example Nevada drivers - a 29% decrease from the state average.
*USAA only insures drivers who are part of the American military, veterans, and their families.
Most Expensive Auto Insurance Companies in Nevada
On the other hand, Encompass, Bristol West, and Allstate ranked as the three most expensive car insurance providers in Nevada from our set of 16 carriers. These three companies annual rates for our study's benchmark motorists were 70% greater than the state average, with an average of $2,097 a year!
List of Auto Insurance Companies in Nevada
Below we have ranked the 16 carriers from the cheapest provider to the most expensive. A specialty insurer on our list is USAA, which only offers coverage to American military officers, veterans, and their families. It is usually one of the cheaper insurance companies, but there are many other affordable options to choose from if you do not fall into these categories. Click on the company names to read our reviews:
| Rank | Company | Average Annual Premium |
|---|---|---|
| 1 | Allied | $795 |
| 2 | Oregon Mutual | 826 |
| 3 | GEICO | 830 |
| 4 | Capital | 842 |
| 5 | USAA | 943 |
| 6 | Farmers | 1,039 |
| 7 | MetLife | 1,066 |
| 8 | Country | 1,076 |
| 9 | American Family | 1,097 |
| 10 | State Farm | 1,177 |
| 11 | Mercury | 1,238 |
| 12 | Liberty Mutual | 1,273 |
| 13 | Victoria | 1,274 |
| 14 | Allstate | 1,318 |
| 15 | Bristol West | 1,784 |
| 16 | Encompass | 3,189 |
Cheapest Car Insurance in Nevada: by City
On a local level, we broke down the data into some of Nevada’s largest cities to help drivers get a better idea of which auto insurance companies had the cheapest rates in their area. While there were the insurers who are best for lower rates overall, each Nevada cities has their own rank of cheap insurers. Below is a table showcasing 10 Nevada places and their three cheapest auto insurance providers. Note that these numbers are based on our sample drivers and may not reflect your actual rates.
Generally speaking, where you live and park your car plays a sizable role in your premium rating as well. Following the table, we will break down the most affordable insurers in five major Nevada cities.
| Place | Cheapest Insurer #1 | Cheapest Insurer #2 | Cheapest Insurer #3 | |||
|---|---|---|---|---|---|---|
| Las Vegas | Allied | $972 | GEICO | $1,062 | Oregon Mutual | $1,134 |
| Henderson | GEICO | 852 | Oregon Mutual | 900 | USAA | 1,002 |
| Reno | Capital | 726 | GEICO | 774 | Allied | 780 |
| Sunrise Manor | USAA | 1,116 | Capital | 1,116 | Allied | 1,146 |
| Paradise | GEICO | 1,002 | Allied | 1,044 | Oregon Mutual | 1,164 |
| Winchester | Allied | 1,098 | GEICO | 1,176 | USAA | 1,212 |
| Whitney | GEICO | 1,002 | Allied | 1,044 | USAA | 1,194 |
| Pahrump | Capital | 642 | GEICO | 756 | Oregon Mutual | 792 |
| Sparks | Allied | 768 | GEICO | 804 | Oregon Mutual | 810 |
| Carson City | Capital | 708 | Allied | 708 | Oregon Mutual | 738 |
Las Vegas, NV
The most populous city in Nevada takes the last spot on our list with average annual premiums of $1,750 for the studied motorists. Drivers in Las Vegas pay about 42% more for car insurance compared to the typical city in Nevada. The city is, of course, the most famous resort and gambling city in the U.S. The city was established in 1905 and sprung up around the Union Pacific Railroad tracks in the early 20th century. Due mostly to its lax regulation of the adult entertainment industry, Las Vegas got the nickname “Sin City”. Today, the Vegas community has worked to revitalize the downtown area, with new spaces like the Smith Center for the Performing Arts and the Mob Museum recently established.
For cheap car insurance rates in Las Vegas, check out Allied, GEICO, and Oregon Mutual when you shop for a policy. Our drivers found quotes as low as $972 for a year of coverage with Allied, and below $1,150 with GEICO and Oregon Mutual. Together, these three carriers' rates averaged $1,056 for our 30 and 65 year old men - 40% lower than what the typical company charged in Las Vegas. If you are affiliated with the U.S. military in any way, check out USAA insurance as well.
Henderson, NV
FBI rated Henderson as one of the 10 safest U.S. cities. However, as the second most populated city in Nevada, Henderson also ranjed among the costlier places for auto insurance, according to our study. The average annual premiums our profiled motorists saw to insure their Toyota Camry were $1,532.
We found that the most affordable auto insurance quotes came from GEICO, Oregon Mutual, USAA (if you qualify) and Allied in Henderson, Nevada. Our study found that rates from these companies averaged close to and below $1,000 a year, which was roughly 40% cheaper than most other quotes our sample drivers found in the city.
Reno, NV
The third largest city in Nevada, Reno used to be the gambling capital before Las Vegas rose to the throne. We found insurance rates in Reno to be on the cheaper end of the spectrum for our sample drivers in Nevada, with annual average premiums around $1,165.
Reno motorists may save even more on car insurance by shopping for coverage from Capital Insurance Company, GEICO, and Allied insurance. That's because they ranked with the three best car insurance quotes in Reno, averaging less than $800 for our sample motorists here. Oregon Mutual and USAA (military only) help to round out the top five cheapest insurers in Reno.
Sunrise Manor, NV
Sunrise Manor is located in the Las Vegas Township in Clark County. The town is relatively densely populated, and located in the center of the state. It is home to the only Mormon temple in the Las Vegas metropolitan area. Basic annual liability insurance averages $1,883 for our sample drivers' vehicles in Sunrise Manor - that's 52% less favorable than the typical Nevada city.
To find the lowest cost auto insurance coverage in Sunrise Manor, we’ve identified five insurers for you to consider: USAA, Capital, Allied, GEICO, and Oregon Mutual insurance. Our benchmark motorists could be knocking $670 to $767 off a year from their premiums versus what the 16 carriers charged on average. Note that you only qualify for USAA coverage when you are affiliated with or related to someone in the U.S. military.
Paradise, NV
Paradise ranks third on our list of locations in Nevada with the most expensive car insurance costs. It's also located in the Las Vegas metropolitan area, and McCarran International Airport, the University of Nevada, and most of the Las Vegas Strip are located here. Residents living in Paradise do pay a premium for auto insurance. Rates here are 50% more expensive than the state average, with an average annual cost of $1,851.
There are still chance to save on car insurance in Paradise, Nevada. Our Paradise sample motorists found that the three least expensive companies were offering coverage to our drivers for less than $1,200 a year: GEICO, Allied, and Oregon Mutual. For more affordable auto insurance companies for comparison, include Oregon Mutual and USAA, if you or your family members have served in the U.S. military, as well.
Cost of Car Insurance by City
There are many things that might cause auto insurance costs to vary from place to place. The ultimate reason is that the more money in claims insurers have to pay in an area, the more they will charge residents of that neighborhood for coverage. Here is a list and graph of cost of car insurance for our sample drivers in each of the 30 places we’ve studied in Nevada, and how they compared against the state’s average premiums.
Best Auto Insurance Companies in Nevada
To determine the best rated car insurance companies in Nevada, we calculated a complaint index for 26 insurance companies in the state. We took the company’s complaints, divided it by the company’s premiums and compared that number to the state’s total auto insurance complaint to premium ratio. Based on this customer complaint metric, the best car insurance companies in Nevada were State Farm, GEICO, and USAA.
Below are the 26 companies in the order of their complaint index. The average index is 1 and the lower the number, the better. Scroll down the table to see how your company ranks.
| Company | Total Written Premium | Complaint Count | Complaint Index |
|---|---|---|---|
| State Farm | $329,086,000 | 0 | 0.00 |
| GEICO | 198,089,000 | 0 | 0.00 |
| USAA | 102,143,000 | 0 | 0.00 |
| Liberty Mutual | 72,058,000 | 0 | 0.00 |
| Safeco | 31,699,000 | 0 | 0.00 |
| Travelers | 23,798,000 | 0 | 0.00 |
| Esurance | 21,112,000 | 0 | 0.00 |
| Infinity Auto | 18,245,000 | 0 | 0.00 |
| Key Insurance Company | 16,754,000 | 0 | 0.00 |
| Nationwide | 14,851,000 | 0 | 0.00 |
| MetLife | 14,533,000 | 0 | 0.00 |
| Mendakota Insurance | 10,864,000 | 0 | 0.00 |
| Progressive | 193,687,000 | 2 | 0.04 |
| Farmers | 168,881,000 | 2 | 0.05 |
| Allstate | 158,595,000 | 4 | 0.11 |
| Hartford | 55,408,000 | 2 | 0.15 |
| Loya Group | 12,783,000 | 1 | 0.33 |
| American Family | 56,740,000 | 5 | 0.37 |
| Mercury Insurance | 9,398,000 | 1 | 0.45 |
| CSAA Insurance | 100,123,000 | 13 | 0.54 |
| Ameriprise | 11,693,000 | 2 | 0.72 |
| American Access Insurance | 31,621,000 | 8 | 1.06 |
| Country Financial Insurance | 21,698,000 | 10 | 1.93 |
| Dairyland | 23,716,000 | 16 | 2.83 |
| ANPAC | 15,400,000 | 14 | 3.81 |
| 21st Century | 9,379,000 | 52 | 23.22 |
Methodology & Minimum Requirements
We collected quotes from 16 auto insurance companies in Nevada, using our two driver profiles, to come up with the cost analysis of auto insurance in Nevada. The list of insurers included both national regional providers, as well as specialty insurance companies. The two driver profiles are single men 30 years of age and 65 years of age. Both drivers operate a 2010 Toyota Camry to commute for work 5 days a week.
The coverage amounts we used in our study were slightly higher than what was required by the Nevada Financial Responsibility Law. Other than liability insurance coverage, our sample drivers also opted for Uninsured Motorists Bodily Injury coverage. See the table below for comparison between state minimum requirements and what we quoted for in the study:
| Coverage Type | Nevada Minimum | Assumptions |
|---|---|---|
| Bodily Liability (BI) | $15,000 per person/ $30,000 per accident | $25,000 per person/ $50,000 per accident |
| Property Damage (PD) | $10,000 per accident | $25,000 per accident |
| Uninsured Motorist BI (UMBI) | Not Required | $25,000 per person/ $50,000 per accident |