Nevada Auto Insurance

Nevada auto insurance can be very expensive. So it's especially important to understand what coverages your premium pays for.

This guide:

Explains Nevada auto insurance laws and requirements

Describes how Nevada car insurance rates are set

Shows you how to save money with multiple quotes

See How Much You Could Save: Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies in Nevada. It takes just one minute. Enter your zip code to start: Enter Zip Code Below   Are you insured?     Yes     No

Nevada auto insurance laws

Nevada is a tort state, which means that drivers are financially responsible for the property damage and personal injury they may cause during an auto accident. Liability coverage helps insure you against these costs, and it is required in Nevada.

Nevada auto insurance laws require liability coverage of 15/30/10. (That's $15,000 per person for injuries you cause to the other party, up to $30,000 for all, and $10,000 for any damage that you cause to the other driver's car and/or property.)

However, these are only minimums, and higher levels of protection are strongly recommended, especially if you have assets to protect. After all, accidents can get very expensive, especially if injury is involved.

Nevada auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.

You may want to consider purchasing any or all of these coverages, especially uninsured and underinsured motorist coverages. These policies help cover the cost of your injuries and property damage should you be in an accident with a driver with inadequate liability insurance.

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If you are a Nevada resident, you might be able to save on your policy premium by visiting Electric Insurance. Their policies are available only to better drivers, whose credit and driving records could be described as being at least good.

After comparing several rates at ComparisonMarket, pay a visit to Electric and get a quote to see if you qualify.

How Nevada car insurance rates are set

For better or for worse, the price of Nevada auto insurance is decided by the behavior of the state's drivers as a whole. Nevada auto insurance companies take the cost of insuring Nevada drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.

But the cost isn't spread around evenly. Instead, Nevada car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.

Of course, not all auto insurance providers use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote you different rates.

What this means for you, as an Nevada driver, is that you need to shop around. It's the fastest easiest way to save on an Nevada auto insurance policy.

Where to get Nevada auto insurance quotes

The following web sites will help you find Nevada car insurance quotes: (these links will open in a new window)

ComparisonMarket the best online insurance shopping service.

Click here for your quote.

Others:

• Esurance - a national provider of coverage to all drivers. Big savings if you Quote/Buy/Print online!

Netquote is very helpful if you want a local agent to contact you, to offer a more personalized quote tailored to your requirements.

Electric Insurance a provider with discount rates for good drivers

Geico - a great service, especially for those who can't get insured elsewhere. Be sure to complete the entire quote form!

Get a quote using your ZIP Code, Find local and national insurers who offer discounts in your area:

To speed things up, you might wish to have some information required for an online quote ready before you begin.

More NV car insurance advice and help

If you want more help designing your NV auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about NV auto insurance laws and regulations, visit the website of the Nevada Department Of Insurance.

Want to learn even more?

Take our quick auto insurance course, and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.

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