Nevada car insurance

From Reno to Las Vegas, learn about car insurance in Nevada from Progressive. We'll cover Nevada car insurance state requirements, coverage options, and discount opportunities offered through Progressive, so you can find dependable and affordable protection for you and your family.

4 min to read

Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Nevada's minimum auto insurance requirements?

Drivers in Nevada are required to have auto liability coverage (BI liability and PD liability), at the following minimum limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$20,000 per accident

While these are Nevada's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Nevada a no-fault state?

No. Nevada is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Nevada?

In 2023, the average cost for a liability-only Progressive policy (single driver/single car) in Nevada was $139 per month.* Rates vary based on many factors, including your driving history, coverage selection, and ZIP code. Learn more about car insurance cost factors.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $800 on average.† Get an auto insurance quote today.

What is the best car insurance in Nevada?

Finding the best car insurance in Nevada means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Nevada get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

If you're looking for the cheapest car insurance in Nevada, here's how much drivers countrywide who save after switching to Progressive save on average compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§

How do I lower my car insurance cost in Nevada?

To lower your car insurance cost in Nevada, you may qualify for the following discounts through Progressive:

  • Multi-policy
  • Homeowner
  • Continuous insurance
  • Paperless
  • Multi-car
  • Online quote
  • Three-year safe driving
  • Electronic Funds Transfer (EFT)

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Nevada is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Nevada's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages and our car insurance calculator to find which ones are recommended for you.

Nevada driving resources

From Henderson to Spring Valley, get to know Nevada's driving laws and resources. These resources apply to Sparks, Carson City, and everywhere in between. Local municipalities may have additional laws and resources.

  • Nevada Department of Motor Vehicles: Find out how to get or renew your Nevada license and registration.
  • Nevada Office of Traffic Safety: Learn about Nevada's mission to eliminate traffic fatalities, child safety seat installation, motorcycle safety, and other resources.
  • Nevada driving FAQs: Find out how to get or renew your Nevada driver's license or non-driver ID, REAL ID, copies of your driving records, change your name on your license, and more.
  • Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.

How to get car insurance in Nevada

Online

Answer some easy questions and choose coverages.

Quote auto insurance

Call us

A licensed representative will answer any questions you have.

Call 1-866-749-7436

Ask an agent

Need local advice? We'll connect you with a licensed independent agent near you.

Find an agent in Nevada

Quote car insurance online or give us a call

Learn more about car insurance policies.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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*Average rates for a liability-only Progressive auto policy with one vehicle and one driver for 2023. Individual rates may be higher or lower depending on a variety of factors, including, but not limited to, vehicle, age, driving record, and location.

†Auto savings based on national average 12 month savings of $835 by new customers surveyed who saved with Progressive between June 2023 and May 2024. Home & auto savings based on national average 12 month savings of $779 by new customers surveyed who saved with Progressive between June 2022 and May 2023. Potential savings will vary.

**No. 1 in combined personal and commercial auto from SNL Financial's 2021 national written premium data.

††National average 12 month savings of $775 by new customers surveyed who switched from Allstate and saved with Progressive between June 2022 and May 2023. Potential savings will vary.

§National average 12 month savings of $740 by new customers surveyed who switched from GEICO and saved with Progressive between June 2022 and May 2023. Potential savings will vary.