How much is car insurance in Nevada?
Drivers in Nevada paid an average of $1,600 a year for full-coverage car insurance in 2023 (NAIC), 11% above the $1,439 US average, or about $1,900 a year in Nevada today (about $160 a month through August 2026). In Nevada, the law asks for at least 25/50/20 liability, and Nevada's 2023 liability-only average—the closest NAIC benchmark to a minimum policy—was $1,040 (about $1,230 today).
Average car insurance cost in Nevada: 11% above the US average
Typical Nevada full-coverage price today
about $1,900 a year in Nevada (about $160 a month)
Nevada's 2023 NAIC full-coverage average ($1,600) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Nevada rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Nevada was the 11th most expensive of the 50 states and DC for full coverage ($1,600 vs $1,439 nationally), but ranked higher on liability alone (5th highest in the US at $1,040) because liability makes up 65% of a full-coverage Nevada bill. Counting every insured car in Nevada—both full-coverage and liability-only policies—Nevada drivers spent $1,462 per vehicle on average in 2023 (10th highest in the US, about $1,730 today), or 9% ($138) less than Nevada's full-coverage combined average.
Nevada costs more to insure than Arizona, California, Idaho, and 2 more bordering states
A typical full-coverage policy in Nevada ($1,600 in 2023) costs more than in all five bordering states. Among Nevada's neighbors, Idaho had the lowest 2023 average ($981, moving to Nevada is about $830 more a year) and Arizona had the highest ($1,505, moving to Nevada is about $130 more a year).
| State | 2023 average | Moving to Nevada from there |
|---|---|---|
| Nevada | $1,600 | Current state (Nevada) |
| Arizona | $1,505 | About $130 more a year |
| California | $1,418 | About $240 more a year |
| Idaho | $981 | About $830 more a year |
| Oregon | $1,268 | About $440 more a year |
| Utah | $1,285 | About $420 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Maryland ($1,602 in 2023, about $1,900 today), Michigan ($1,573 in 2023, about $1,860 today), Delaware ($1,569 in 2023, about $1,860 today), and Colorado ($1,655 in 2023, about $1,960 today).
Nevada: 25/50/20 minimums, with uninsured-motorist coverage unless rejected in writing
- Nevada liability (per person / per crash / property)
- $25,000 / $50,000 / $20,000
- Personal injury protection (PIP) in Nevada
- Not required
- Medical payments in Nevada
- Not required
- No-fault system in Nevada
- No
- Uninsured motorist in Nevada
- Included unless you decline in writing
- Underinsured motorist in Nevada
- Not required
Set by NRS 485.185, Nevada's 25/50/20 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $20,000 for others' property—the legal floor in Nevada, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Nevada—the closest NAIC figure to what a Nevada minimum policy costs—averaged $1,040 in 2023 (about $1,230 in Nevada today), the 5th highest of the 50 states and DC. That makes liability 65% of Nevada's full-coverage average ($1,600), while the remaining 35% goes toward collision and comprehensive coverage for your own car.
Nevada requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Uninsured-motorist coverage is included unless you turn it down in writing; underinsured-motorist and medical-payments coverage must be offered but are optional.
What we couldn’t confirm: We marked underinsured motorist coverage optional because the law says insurers "must offer" it, while it requires only uninsured (and hit-and-run) coverage. Nevada's law counts a driver below the state minimum as uninsured, which isn't the same as underinsured coverage.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is at least $25,000 per person and $50,000 per crash. Insurers must offer uninsured and underinsured coverage up to your injury liability limits; underinsured coverage is offered, not required.
- History and recent checks
- NRS 485.185 last amended 2017; NRS chapter 485 page is revised through the 2025 session (Rev. 4/15/2026) and shows no change to the 25/50/20 limits.
- Checked
- September 22, 2026
- Sources
- NRS 485.185
(a) In the amount of $25,000 for bodily injury to or death of one person ... (b) ... $50,000 ... (c) In the amount of $20,000 for injury to or destruction of property
- NRS 690B.020
No such coverage is required ... where rejected in writing, on a form furnished by the insurer describing the coverage being rejected, by an insured named therein
- NRS 687B.145(2)-(3)
must offer, on a form approved by the Commissioner, uninsured and underinsured vehicle coverage ... must offer ... the option of purchasing coverage in an amount of at least $1,000 for ... medical expenses
- NRS 485.185
Adding a 16-year-old driver in Nevada: about $1,250 more a year
Adding a 16-year-old to a Nevada policy
about $1,250 more a year
About $105 a month (+66% over a typical Nevada adult policy of $1,900), bringing the combined Nevada family policy to roughly $2,350–$4,150 a year.
On a separate Nevada policy of their own with the same car, a 16-year-old in Nevada would pay about $5,440 a year (roughly $4,150–$7,750), so sharing a parent's Nevada policy saves about $4,190 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Nevada's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Nevada
In Nevada, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $1,120 more a year on a Nevada policy, versus about $1,880 more a year for the 2022 Tesla Model 3 at the top of Nevada's list.
| 2022 model | Added to a Nevada policy | Own Nevada policy |
|---|---|---|
| 2022 Subaru Forester | +$1,120 in Nevada | $4,850 in Nevada |
| 2022 Subaru Outback | +$1,120 in Nevada | $4,870 in Nevada |
| 2022 Subaru Crosstrek | +$1,120 in Nevada | $4,880 in Nevada |
| 2022 Honda CR-V | +$1,200 in Nevada | $5,220 in Nevada |
| 2022 Toyota RAV4 | +$1,220 in Nevada | $5,310 in Nevada |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Nevada
In Nevada, a 45-year-old with full coverage pays from about $1,930 a year for a 2024 Honda Odyssey to about $2,500 for a 2024 Lexus ES on these Nevada sample models.
| Car | 45-year-old in Nevada | Adding a teen in Nevada |
|---|---|---|
| 2024 Hyundai Santa Cruz | about $2,100 a year | +$1,390 a year |
| 2024 Honda Odyssey | about $1,930 a year | +$1,270 a year |
| 2024 Toyota Sienna | about $2,240 a year | +$1,480 a year |
| 2024 Chrysler Pacifica | about $2,020 a year | +$1,340 a year |
| 2024 Kia Carnival | about $2,100 a year | +$1,380 a year |
| 2024 Lexus RX | about $2,370 a year | +$1,570 a year |
| 2024 Lexus NX | about $2,350 a year | +$1,550 a year |
| 2024 Lexus ES | about $2,500 a year | +$1,650 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Nevada
- How much is car insurance in Nevada?
- In Nevada, full-coverage car insurance averaged $1,600 a year in 2023 (the 11th most expensive of the 50 states and DC per NAIC), or about $1,900 a year ($160 a month) in Nevada as of August 2026. Nevada liability-only coverage averaged $1,040 in 2023 (65% of Nevada's full-coverage figure, or about $1,230 today), and Nevada drivers spent $1,462 per insured car across all policies.
- What are the minimum car insurance limits in Nevada?
- Under NRS 485.185, Nevada requires 25/50/20 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $20,000 for property damage. NRS 485.185 last amended 2017; NRS chapter 485 page is revised through the 2025 session (Rev. 4/15/2026) and shows no change to the 25/50/20 limits.
- How much does adding a 16-year-old teen driver cost in Nevada?
- Adding a 16-year-old to a parent's full-coverage policy in Nevada adds about $1,250 more a year ($105 a month), bringing the Nevada household policy to roughly $2,350–$4,150 a year versus about $5,440 a year (roughly $4,150–$7,750) on a standalone Nevada teen policy.
- Is Nevada a no-fault car insurance state?
- No—Nevada is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Nevada does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Nevada: Uninsured motorist coverage is at least $25,000 per person and $50,000 per crash. Insurers must offer uninsured and underinsured coverage up to your injury liability limits; underinsured coverage is offered, not required.
- How does Nevada's car insurance cost compare with Arizona?
- Nevada averaged $1,600 for full coverage in 2023 (NAIC) against $1,505 in Arizona (6% more than Arizona), and moving a sample policy from Arizona to Nevada today is about $130 more a year. Other bordering states averaged $1,418 in California, $981 in Idaho, $1,268 in Oregon, and $1,285 in Utah in 2023.
Sources for Nevada
- Nevada average premiums ($1,600 full coverage, $1,040 liability-only, $1,462 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Nevada minimum coverage statutes (NRS 485.185; NRS 690B.020; NRS 687B.145(2)-(3)), checked September 22, 2026. Page updated for Nevada. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.