9 Best Car Insurance in Nevada of 2026

This list is for Nevada drivers comparing insurers on local rates, claims service and coverage options. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Nevada is an at-fault state with minimum liability limits of $25,000 per person, $50,000 per accident and $20,000 for property damage, and the DMV checks coverage electronically, so even a one-day lapse can suspend your registration. Insurers publish different kinds of prices: Allstate and Progressive give liability-only averages, USAA a member average, Liberty Mutual and Root a full coverage market average, and The Hartford a national starting price. GEICO, Nationwide, American Family and Farmers pages blocked our automated checks, and Lemonade showed a waitlist on its Nevada page, so they are left out.

1. 01Top value

   

   Allstate

   8.9/10

   National insurer with local agents and online sales that publishes the average its Nevada online buyers paid for liability-only cover.

   Price

   Customper month, Nevada average liability-only policy bought online

   Allstate customers in Nevada who bought online paid $124 a month on average for a liability-only policy with one driver and one vehicle

   “Allstate customers in Nevada who purchased online paid $124/month* – on average – for a liability-only auto insurance policy covering one driver and one vehicle.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   9.0

   Features (35%)

   8.9

   Ease of use (25%)

   8.7

   Best forNevada drivers who want the lowest published state average and several stackable discounts

   Allstate gives Nevada drivers the clearest price signal on this list. Its Nevada page states that customers in the state who bought online paid $124 a month on average for a liability-only policy covering one driver and one vehicle, lower than the $160.76 Progressive publishes for a comparable 2025 policy. The same page lists the savings levers in numbers: Drivewise can cut up to 30% for safe driving, bundling home and auto saves 20% on average, and insuring several cars can save up to 25%. Nevada discounts named on the page include anti-theft devices, defensive driver, good student, student away at school and safe driver. Optional coverages include roadside assistance, rideshare insurance, cover for electric cars and rental reimbursement. You can quote online or use a local agent. The limit is that the $124 average is for liability only, so a financed car with collision and comprehensive will cost more.

   • ✓Lowest Nevada average published by any insurer on this list, $124 a month for liability only
   • ✓Discount percentages are stated on the Nevada page, not hidden behind a quote
   • ✓Buy online or through a local Allstate agent

   • ✕The $124 figure covers online buyers with liability only, not full coverage
   • ✕Drivewise savings depend on sharing driving data
   • ✕Bundle and multi-car percentages are averages, not guaranteed

   Nevada average:

   $124 a month, liability only, bought online

   Usage-based program:

   Drivewise, up to 30%

   Bundle saving:

   20% on average

   Multi-car saving:

   Up to 25%

   Bottom line: Allstate is the best car insurance for most Nevada drivers because it publishes the lowest Nevada average on this list, $124 a month for liability only bought online. Stack Drivewise, bundling and multi-car discounts to push that lower.

   Visit allstate.com ↗

2. 02

   

   Progressive

   8.8/10

   National insurer that sells Nevada car insurance online, by phone and through independent agents.

   Price

   Customper month, Nevada average liability-only policy

   Progressive's Nevada average was $160.76 a month in 2025 for a liability-only policy with one driver and one car

   “In 2025, the average cost for a liability-only policy with one driver and one car in Nevada was $160.76 per month.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   8.9

   Ease of use (25%)

   9.0

   Best forNevada drivers who want to compare rates and buy through any channel

   Progressive is the easiest insurer on this list to shop with in Nevada. Its Nevada page states that in 2025 a liability-only policy with one driver and one car averaged $160.76 a month, and it offers AutoQuote Explorer, which compares your Progressive quote with rates from other insurers in one place. The Name Your Price tool builds a policy around a budget, and the Nevada discounts listed are paperless billing, multi-policy and an online quote discount that still applies if a representative finishes the quote by phone. You can buy online, call 1-855-347-3939 or go through an independent agent. The page also explains Nevada rules well: the state is at fault, requires 25/50/20 liability limits, and checks coverage through NV LIVE, so even a one-day lapse can suspend your registration. The downside is price: its published Nevada average sits above Allstate's figure, and it covers liability only.

   • ✓Publishes a Nevada average from its own 2025 data
   • ✓AutoQuote Explorer shows other insurers' rates next to yours
   • ✓Independent agents across Nevada can quote it

   • ✕Its $160.76 Nevada average is higher than Allstate's published $124
   • ✕The figure is for liability only, not full coverage
   • ✕Nevada discount list on the page is short: paperless, multi-policy and online quote

   Nevada average:

   $160.76 a month, liability only, 2025

   Rate comparison tool:

   AutoQuote Explorer

   Ways to buy:

   Online, phone, independent agent

   Nevada minimums listed:

   25/50/20

   Bottom line: Progressive is the best choice for Nevada drivers who want to compare prices because AutoQuote Explorer shows other insurers' rates beside its own. Its $160.76 liability-only average gives you a benchmark for every other quote.

   Visit progressive.com ↗

3. 03

   

   State Farm

   8.6/10

   Largest agent-based insurer in the US, with over 19,000 auto insurance agents nationwide.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.5

   Features (35%)

   8.8

   Ease of use (25%)

   8.6

   Best forNevada families who want a local agent and teen driver discounts

   State Farm is the agent pick for Nevada families. Its auto page says it has over 19,000 auto insurance agents nationwide, and a local agent can quote coverage from liability and uninsured motorist to comprehensive and collision. Two programs stand out for households with young drivers: Drive Safe & Save can save up to 30% based on driving, and Steer Clear saves as much as 20% for drivers under 25 with no at-fault accidents or moving violations in the past three years. State Farm says drivers who switch save an average of $740 and that bundling auto and renters insurance saves up to $900 on average. Claims can be reported online, through the app or by phone. State Farm does not publish a Nevada price, and the page notes that discount names, percentages and eligibility vary by state, so confirm what applies in Nevada with an agent before you count on a discount.

   • ✓Local agent service in Nevada cities
   • ✓Steer Clear rewards young drivers with clean records
   • ✓Drivers who switch save an average of $740, according to State Farm

   • ✕No published Nevada price, so you need a quote
   • ✕Discount percentages and availability vary by state
   • ✕Fewer self-serve comparison tools than Progressive

   Agents:

   Over 19,000 nationwide

   Usage-based program:

   Drive Safe & Save, up to 30%

   Young driver program:

   Steer Clear, up to 20%

   Average switching saving:

   $740

   Bottom line: State Farm is the best choice for Nevada families with teen drivers because Steer Clear can save up to 20% for clean-record drivers under 25. Get a quote, since it does not publish a Nevada rate.

   Visit statefarm.com ↗

4. 04

   

   USAA

   8.5/10

   Insurer for military members, veterans and their families that publishes what its Nevada members paid.

   Price

   Customper month, Nevada member average

   Nevada members paid $243 a month on average in 2024 for USAA Auto Insurance

   “Nevada members paid $243 per month on average in 2024” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.7

   Features (35%)

   8.6

   Ease of use (25%)

   8.2

   Best forMilitary members, veterans and their families in Nevada

   USAA is the pick for Nevada drivers who can join, including the many service members around Nellis Air Force Base and Naval Air Station Fallon. Its Nevada page states that members in the state paid $243 a month on average in 2024, a figure that covers all coverage levels rather than liability only. SafePilot saves up to 15% just for enrolling and up to 30% at renewal for safe driving, and SafePilot Miles suits active duty members living on base who rarely drive. Members save automatically with two or more vehicles, and bundling auto with property insurance saves up to 10%. A USAA survey found members saved an average of $840 a year after switching. Claims and policy changes run 24/7 through the mobile app. Eligibility is the limit: active duty, National Guard and Reserve members, honorably served veterans, some cadets and candidates, and spouses and children of members can join.

   • ✓Publishes a Nevada member average from its own data
   • ✓Enrollment discount of up to 15% for SafePilot
   • ✓Members saved an average of $840 a year when they switched, according to a USAA survey

   • ✕Only military members, veterans and eligible family can join
   • ✕The $243 average is a 2024 figure across all coverage levels
   • ✕No local agent offices

   Nevada member average:

   $243 a month, 2024

   Safe driving program:

   SafePilot, up to 30% at renewal

   Bundle saving:

   Up to 10%

   Eligibility:

   Military, veterans and their families

   Bottom line: USAA is the best choice for eligible military families in Nevada because SafePilot can cut up to 30% at renewal and its Nevada members paid $243 a month on average in 2024. Everyone else should start with Allstate or Progressive.

   Visit usaa.com ↗

5. 05

   

   AARP Auto Insurance from The Hartford

   8.4/10

   Car insurance program for AARP members from The Hartford, serving AARP members and their families since 1984.

   Price

   $87per month

   As little as $87 a month nationally, according to The Hartford's AARP auto page; no Nevada-specific price is published

   “Pay as little as $87*** a month for AARP Auto Insurance from The Hartford.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.3

   Features (35%)

   8.6

   Ease of use (25%)

   8.3

   Best forNevada drivers over 50 who want accident forgiveness and new car replacement

   The AARP Auto Insurance Program from The Hartford is the pick for Nevada drivers over 50. Its main AARP auto page advertises coverage from as little as $87 a month, the lowest starting figure on this list, though The Hartford does not publish a Nevada-specific rate; its Nevada page instead cites the Insurance Information Institute's state average of $1,247 a year. The benefits suit drivers with long clean records: New Car Replacement replaces a totaled new car with the same make and model with no depreciation deduction, Accident Forgiveness applies once every driver on the policy has five clean years with The Hartford, and Disappearing Deductible shrinks the collision deductible over time. Claims can be reported around the clock at 877-805-9918, and ID cards live in the mobile app, which Nevada accepts as proof. In Nevada you can add comprehensive, collision, roadside assistance, rental reimbursement and medical payments. Younger drivers and non-members will find better value elsewhere.

   • ✓Lowest advertised starting price on this list, as little as $87 a month
   • ✓Benefits aimed at drivers with long clean records
   • ✓Electronic ID cards in The Hartford mobile app, accepted as proof in Nevada

   • ✕Built for AARP members, so younger drivers gain little
   • ✕The $87 figure is national, not a Nevada rate
   • ✕Accident Forgiveness needs five clean years with The Hartford

   Advertised price:

   As little as $87 a month, national

   Serving AARP members since:

   1984

   Claims line:

   877-805-9918, 24/7

   Accident Forgiveness:

   After 5 clean years

   Bottom line: AARP Auto Insurance from The Hartford is the best choice for Nevada drivers over 50 because it adds New Car Replacement and Accident Forgiveness from as little as $87 a month. Quote it if you are an AARP member with a clean record.

   Visit thehartford.com ↗

6. 06

   

   Root

   8.3/10

   App-based insurer that sells Nevada car insurance priced for good drivers, with quotes in under 5 minutes.

   Price

   Customper year, Nevada market average full coverage

   Root does not publish its own Nevada rate; its Nevada page says the average Nevada driver pays $3,963 a year for full coverage

   “The average Nevada driver pays $3,963 per year for full coverage car insurance” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   7.8

   Ease of use (25%)

   8.8

   Best forGood drivers in Nevada who want to buy and claim in an app

   Root is the app pick for Nevada drivers with clean records. Its Nevada page promises a quote in less than five minutes and claims filed in as little as three minutes in the app, where you can also view ID cards and change coverage at any time. In Nevada, Root offers liability, collision, comprehensive, MedPay, uninsured motorist and roadside assistance, plus optional rental coverage with collision. Root says drivers who switch can save up to $1,300 a year. It does not publish its own Nevada rate; the page cites an average of $3,963 a year for full coverage across Nevada drivers, which is a useful ceiling when you compare full coverage quotes. Root prices for good drivers, so anyone with recent tickets or accidents may find better rates elsewhere, and there are no local agents if you want face-to-face help.

   • ✓Fastest buying process on this list
   • ✓Drivers who switch can save up to $1,300 a year, according to Root
   • ✓Covers the full set of Nevada optional coverages

   • ✕Prices aimed at good drivers, so those with recent tickets may pay more
   • ✕No local agents
   • ✕The $3,963 figure is a statewide average, not a Root price

   Quote time:

   Under 5 minutes

   Claim filing:

   As little as 3 minutes in the app

   Stated switching saving:

   Up to $1,300 a year

   Nevada average cited:

   $3,963 a year, full coverage

   Bottom line: Root is the best choice for good drivers in Nevada who want an app-only insurer because it quotes in under 5 minutes and handles claims in the app. Drivers with recent tickets should look at Allstate or The General instead.

   Visit joinroot.com ↗

7. 07

   

   Liberty Mutual

   8.1/10

   National insurer that sells online and through local agents and publishes a Nevada full coverage average.

   Price

   Customper month, Nevada average full coverage

   Liberty Mutual puts the average cost of full coverage in Nevada at about $261 a month, or $3,132 a year, as of November 2026

   “The average cost of “full” coverage car insurance in Nevada is about $261 per month, or $3,132 per year.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   8.3

   Ease of use (25%)

   8.2

   Best forNevada drivers who want full coverage and can buy online for a discount

   Liberty Mutual is the most useful benchmark for full coverage in Nevada. Its Nevada page, dated November 2026, puts the average cost of full coverage at about $261 a month or $3,132 a year, and explains why Las Vegas metro drivers usually pay more than drivers in Reno or smaller towns: traffic density, claim frequency and the share of uninsured drivers. Savings come from RightTrack, which can cut up to 30% for good driving, an Online Purchase Discount and a bundle discount. Liberty Mutual says switchers could save over $700. The page also notes that Nevada drivers must reject uninsured motorist and MedPay coverage in writing if they do not want them, and that the DMV checks coverage through NLIVE. You can buy online or through a local agent. The weakness is price transparency: the only Nevada figure is a market-wide full coverage average.

   • ✓Publishes a full coverage average for Nevada, updated November 2026
   • ✓RightTrack savings of up to 30%
   • ✓Online and agent channels

   • ✕Its $261 full coverage average is high next to the liability-only figures others publish
   • ✕Discounts on the Nevada page are not given as percentages, apart from RightTrack
   • ✕Savings claims on the page compare against named rivals without Nevada-specific detail

   Nevada full coverage average:

   About $261 a month, $3,132 a year

   Safe driving program:

   RightTrack, up to 30%

   Stated switching saving:

   Over $700

   Nevada minimums:

   25/50/20

   Bottom line: Liberty Mutual is the best choice for Nevada drivers who want full coverage with an online discount because it publishes a $261 a month full coverage benchmark and offers RightTrack savings of up to 30%. Compare it against Allstate and Progressive for liability only.

   Visit libertymutual.com ↗

8. 08

   

   Travelers

   7.9/10

   National insurer sold mainly through independent agents, with 24/7 claim reporting and digital claim tracking.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.0

   Features (35%)

   8.0

   Ease of use (25%)

   7.6

   Best forNevada drivers who buy through an independent agent and bundle home and auto

   Travelers suits Nevada drivers who already work with an independent agent and want to bundle. Its car insurance page lists a Safe Driver Discount for households with no accident, violation or major comprehensive claim in three to five years, which is available outside California and New York, so it applies in Nevada. Other savings come from bundling car insurance with home, condo, renters or boat policies, and a good student discount for drivers with a B average or better. Claims can be reported 24/7 and tracked in your MyTravelers account, with payment sent electronically or by check. You can start online, call 1.866.218.0397 or go through an independent agent. Travelers does not publish a Nevada price or discount percentages, so you need a quote to judge value, and it has fewer self-serve tools than the app-first insurers on this list.

   • ✓Widely available through independent agents
   • ✓Safe Driver Discount is available in Nevada (excluded only in CA and NY)
   • ✓Claim progress tracked online

   • ✕No published Nevada price
   • ✕Fewer self-serve tools than Progressive or Root
   • ✕Discount percentages are not published

   Sales channel:

   Independent agents, phone, online quote

   Safe Driver Discount:

   3 to 5 clean years

   Claim reporting:

   24/7

   Quote line:

   1.866.218.0397

   Bottom line: Travelers is the best choice for Nevada homeowners who use an independent agent because it rewards three to five clean years and bundles car with home, condo or boat. Ask the agent to quote it next to Progressive.

   Visit travelers.com ↗

9. 09

   

   The General

   7.5/10

   Nonstandard auto insurer that sells Nevada car insurance by phone and online, including for drivers who need an SR-22.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.6

   Features (35%)

   7.0

   Ease of use (25%)

   8.0

   Best forNevada drivers who need an SR-22 after a DUI or a lapse

   The General is the fallback for Nevada drivers who need an SR-22. Its Nevada page explains that drivers convicted of a DUI or other serious offenses must have their insurer file an SR-22 with the DMV to reinstate a license, that the filing must be kept for three years from reinstatement, and that a lapse triggers an SR-26 notice and a new suspension. It also warns that Nevada has no grace period: a lapse of just 24 hours can lead the DMV to revoke registration, with reinstatement costing at least $251. You can quote online by ZIP code or call 1-844-328-0306, and manage bills and ID cards online. The General does not publish a Nevada price, and its pages list fewer discounts and optional coverages than the national carriers above, so drivers with clean records should quote Allstate, Progressive or Root first.

   • ✓Focus on drivers other insurers may turn down
   • ✓Clear guidance on Nevada SR-22 rules and lapse penalties
   • ✓Phone and online quoting

   • ✕No published Nevada price
   • ✕Fewer discounts and optional extras listed than national carriers
   • ✕Drivers with clean records will usually find lower rates elsewhere

   Nevada SR-22 period:

   Three years from reinstatement

   Lapse reinstatement cost:

   Minimum $251

   Quote line:

   1-844-328-0306

   Nevada minimums:

   25/50/20

   Bottom line: The General is the best choice for Nevada drivers who need an SR-22 because its Nevada page covers the three-year filing rule and sells by phone or online. Drivers with clean records will usually pay less elsewhere.

   Visit thegeneral.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.