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Finding Cheap Auto Insurance in Nevada

If you are looking for cheap auto insurance in Nevada, don’t pick a company at random and hope for the best. We’ve reviewed 13 auto insurance companies to help you find the best rates and put the odds in your favor.

Related: Best Car Insurance Companies

Cheap auto insurance in Nevada for good drivers

Good Nevada drivers can save on average over $ 600 a year on auto insurance just by shopping. If you have a clean driving record, request a quote from State Farm auto insurance. The military and veterans can probably find good prices with USAA auto insurance.

Cheap car insurance in Nevada for speeding drivers

A speeding ticket can result in an increase in Nevada auto insurance rates. If you have a speeding ticket on your record, State Farm might be the best choice for you. Eligible military personnel must obtain a quote from the USAA.

Cheap auto insurance in Nevada for drivers who have caused an accident with injury

Drivers who cause an accident causing injury to someone else can expect to pay an average of $ 1,000 more per year in Nevada than a driver with a clean criminal record. That’s why it’s important to seek out the best rates, even if your driving record isn’t great. Check the quotes from State Farm, Country and others. Military and veterans alike might do well by getting a quote from the USAA.

Cheap auto insurance in Nevada for drivers with a DUI

A DUI conviction can increase your car insurance rates by over $ 1,300 in Nevada. If you have a DUI on your record, get State Farm and Progressive auto insurance quotes.

Cheap Auto Insurance For Drivers With Low Credit In Nevada

Bad credit can be a costly problem with auto insurance in Nevada. But you can always search for the most competitive rates based on your situation. View quotes from Key Insurance, Country, Progressive, and State Farm.

Cheap auto insurance in Nevada for drivers without insurance

An error in your auto insurance history could cost you dearly when you decide to purchase a policy. If you need to purchase auto insurance in Nevada and have a lapse in insurance on your record, a State Farm quote is a good place to start. Eligible military and veterans should check USAA rates.

The cheapest vehicles for insurance in Nevada

In Nevada, the Volkswagen Jetta SE, Ford Fusion SE, and Chevrolet Malibu L are among the cheapest vehicles for insurance, based on the average prices of the top 50 selling 2021 models. The 20 cheapest cars are below.

The vehicles with the most expensive auto insurance in Nevada among the popular models are the Tesla Model S Performance ($ 4,163 per year) and the Volvo XC90 T8 Inscription ($ 3,486 per year).

Related: The most expensive and cheapest cars to insure nationwide

Minimum auto insurance required in Nevada

You must purchase auto liability insurance in Nevada. This is an essential type of insurance that covers damage and injury that you cause to others. If someone sues you for a car accident, liability insurance covers your legal defense and judgments against you, but only up to the limits of your policy.

Car owners in Nevada should carry liability insurance of at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for accidental bodily injury
  • $ 20,000 for property damage in an accident

This is written 25/50/20.

The minimum requirements for automobile liability insurance in Nevada are inadequate. If you cause an accident with injuries, the medical bills could exceed the minimum limits and you could be sued for the rest. It is a good idea to purchase sufficient liability insurance to cover your assets, such as your savings. Better if your auto insurance company pays for the lawsuits, not you.

What else should I have?

Coverage for uninsured / underinsured motorists. What happens when a driver hits you and they don’t have third party liability insurance, or not enough? These types of coverage pay for your medical expenses. Nevada auto insurance companies are required to provide you with Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage, but you can reject them in writing. These are good types of coverage to have.

Medical payments (MedPay). This coverage covers your medical expenses and those of your passengers if you are injured in a car accident, regardless of who is at fault. It also pays for medical expenses if you are struck as a pedestrian by a vehicle.

Collision and full coverage. What if you backed up into a pole? What if your car is damaged by a hailstorm? What if your car is stolen? What if you hit a deer? Collisions and full coverage covers these types of issues, as well as damage to cars from floods, fires, riots, and falling objects, like tree branches.

Summary: Nevada Auto Insurance Required

Can I show my insurance ID card from my phone?

Nevada allows you to use a phone to show an auto insurance ID card. Many auto insurers have mobile apps that include access to insurance credentials.

Factors Allowed In Nevada Auto Insurance Rates

In addition to your driving record, previous claims, and vehicle model, Nevada auto insurance companies can use these factors to calculate customer insurance rates.

How many uninsured drivers are there in Nevada?

According to the Insurance Research Council, about 10% of Nevada drivers do not have auto insurance. That’s why it’s good to have your own insurance to cover the issues they cause, like MedPay, collision damage waiver, and / or uninsured motorist coverage.

Penalties for driving without automobile insurance

If you are found guilty of driving without proof of insurance in Nevada, you could be fined between $ 250 and $ 1,000 and have your registration suspended.

When can a vehicle be totaled in Nevada?

If your car is severely damaged in a problem like an accident or flood, auto insurance companies in Nevada may report the car as a total loss when the repairs exceed 65% of the vehicle’s fair market value.

Resolve insurance issues

The Consumer Services section of the Nevada Insurance Division is responsible for monitoring insurance companies and receiving complaints. If you have an unresolved issue with an auto insurance company, the service may try to help you or you can file a complaint online.

Methodology

To find the cheapest auto insurance companies in Nevada, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

Companies assessed for Nevada were Allstate, American Access, American Family, Country, CSAA, Farmers, Geico, Key Insurance, Progressive, Sentry, State Farm, Travelers, and USAA.

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