Nevada Car Insurance [Rates + Cheap Coverage Guide]

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Nevada Statistics SummaryDetails
Road MilesTotal in State: 42,815
Vehicle Miles Driven (in Millions): 25,302
VehiclesRegistered: 2,168,617
Thefts: 10,185
State PopulationEstimated: 3,034,392
Most Popular VehicleRAV4
Uninsured Motorists10.60%
State Rank: 29
Driving FatalitiesSpeeding: 95
DUI: 89
Average Annual PremiumsLiability: $681.56
Collision: $303.86
Comprehensive: $117.63
Combined: $1,103.05
Cheapest ProviderUSAA

You’ve tried everything.

You’ve spent what seems like countless hours surfing the web, trying to find car insurance providers with the best rates to meet the needs of all the drivers in your family. You probably feel like if you have to look at one more insurance website, your computer screen might burst into flames.

If some or all of this describes you in any way, this comprehensive guide is for you.

If you are one of the over 2.94 million individuals currently residing in the state of Nevada, finding the Nevada car insurance policy you want at affordable rates is one of the single most important decisions you’ll ever make. When you consider that 10.6 percent of all Nevada drivers on the road are uninsured, the necessity of protecting all the drivers in your family in case of an unexpected collision is all the greater.

The good news is there’s a much simpler way to discover the right Nevada car insurance provider for your family without wasting hours of your valuable time stressed out, staring at a screen. Today, we will walk you through everything you need to know about Nevada car insurance coverage and rates, carriers, driving laws, vehicle licensing laws, safety laws, and so much more.

First things first, set yourself on the road to success to save big with Nevada car insurance carriers. Access your comprehensive rates quote all in one place. Compare rates now with our FREE calculator!

Alright, ready to dive into Nevada car insurance coverage and rates? Let’s go!

Table of Contents

Nevada Car Insurance Coverage and Rates

While most people’s minds jump straight to Las Vegas when thinking about Nevada, there’s so much more to The Silver State besides the Entertainment Capital of the World. While about three-quarters of Nevada residents live nearby Las Vegas, residents have no shortage of natural and manmade wonders to behold outside the city.

From the stunning Valley of Fire State Park in Overton to the green Spring Mountain National Recreation Area to the famous Red Rock National Conservation Area to Lake Tahoe, the Silver State is an outdoor lover’s playground.

With its arid climate, Nevada stands as the driest state in the country receiving less than 10 inches of rain annually. The Silver State is the seventh-largest state in terms of land mass out of the entire country, but approximately 86 percent of the land belongs to the federal government.

Fun fact! While the state of California is often called the Golden State, the majority of gold in the USA actually comes from Nevada. The state of Nevada is also one of a handful of states that charge zero individual income tax or corporate tax.

Whether you’re considering packing your bags and moving to The Silver State or have lived there all your life, understanding your Nevada car insurance coverage options is a must.

So, let’s begin!

—Nevada Minimum Car Insurance Coverage Requirements

Insurance RequiredCoverage
Bodily Injury Liability Coverage$25,000 per person
$50,000 per accident
Property Damage Liability Coverage$20,000 per accident

The table above details the minimum Nevada car insurance liability coverages required under state law. But, what does this all mean? Let’s take a closer look.

  • $25,000 per person— to cover the bodily injury or death of any individual resulting from an accident the vehicle owner/driver causes
  • $50,000 per accident— to cover total bodily injury or death liability resulting from an accident the vehicle owner/driver causes
  • $20,000 per accident— to cover the total property damage resulting from an accident the vehicle owner/driver causes

In simple terms, liability coverage exists to cover things like property damage expenses, medical bills, and other costs incurred by any driver, passenger, or pedestrian who suffers damages in an accident you are responsible for.

It is wise to consider carrying policy coverages above the minimum required amount. Nevada, like most other states, adheres to the “fault system”. In the state, whoever causes an auto accident is responsible for any ensuing damages. In a practical sense, this means that your insurance company will cover the costs of any damages incurred by victims in a crash you cause up to and until your policy limits are exhausted. Once those limits are exhausted, you are personally liable for any additional damages.

Your liability coverage will also apply if a member of your family is driving your car or if you let someone else use it. Here’s a helpful video that explains liability insurance in Nevada further.

An important point to bear in mind is the fact that your liability coverage does not cover any damages you incur if someone else causes the collision and you suffer injuries or property damage. This is where additional coverage options like MedPay, PIP, and collision coverage are valuable. We’ll touch more on these further down.

One thing you need to know is that Nevada takes a very strict approach to drivers who fail to maintain the minimum coverages required under state law. Nevada has zero grace period. Even a lapse as seemingly insignificant as one day could lead to having your registration suspended, plus a $251 reinstatement fee at the very minimum.

Nevada adheres to a tiered system that assesses uninsured driver penalties and fines based on the length of the coverage lapse and how many times (if any) the individual has allowed coverage to lapse previously. Long story short, don’t skimp on coverage and always carry and maintain at least the minimum liability amounts required under Nevada car insurance laws.

—Mandatory Forms of Financial Responsibility in Nevada

Nevada has a unique system they use for insurance verification purposes known as the LIVE program. The LIVE program allows the Nevada DMV to verify a driver’s current coverage in real time. However, you are still required to carry proof of financial responsibility or proof of insurance with you in your car at all times.

If you are ever pulled over by an officer in Nevada and cannot offer proof of insurance, you will be cited. Your insurer-issued proof of coverage card, showing your name, policy number, policy expiration date, and National Association of Insurance Commissioner’s (NAIC) license number is one easy option.

You are also allowed to show digital proof of insurance to a responding offer by keeping the information on your phone. It just needs to be clear, easy to read, and include all the details your hard copy card would.

—Premiums as a Percentage of Income in Nevada

Based on the most recent data from 2017, the average annual personal income per capita for a Nevada resident is $46,159. A person’s per capita income is what they keep after taxes to spend or save as needed.

Compare that against the average annual cost of Nevada car insurance which is approximately $1,100, and you’ll see that auto coverage comprises around 2.4 percent of residents’ total income. This means that the typical Nevada resident brings home about $3,850 a month to pay things like the rent, mortgage, utilities, food, and other costs. Your monthly Nevada car insurance bill subtracts about $92 from that.

While this figure might seem small, numbers add up over time and this is only the average amount you can expect to pay. For instance, factors like your driving history and any coverage lapses can spike your annual and monthly rates considerably. By keeping at least the minimum liability coverages on your policy current, you’ll save on costs and needless headaches in the long run.

—Core Car Insurance Coverage in Nevada

Coverage TypeAnnual Costs in 2015
Liability$681.56
Collision$303.86
Comprehensive$117.63
Combined$1,103.05

The table above contains the most recent data gathered by the NAIC in 2015. Expect Nevada car insurance rates to spike significantly in 2019 and moving forward from what you see here. We’ve already discussed that liability coverage serves to cover any damages incurred by another party or parties if you get into an accident and are responsible for the collision.

While not mandatory under current Nevada car insurance laws, collision coverage offers you protection for damage to your car, no matter who the at-fault party is. Collision coverage covers the cost of repairs or provides you with a stipend in the event of a loss.

Comprehensive coverage insures you in case of theft or damage to your vehicle from outside elements, such as falling objects, a flood, or fire. Another type of car insurance you might want to consider if you have multiple drivers and vehicles in your family is combined coverage. Combined car insurance allows you to list all your vehicles on a single policy for a cost-effective plan.

Ready to learn what your additional liability coverage options in Nevada are? Let’s go!

—Additional Liability Coverage in Nevada

The video above explains why you should consider coverages beyond the minimum amounts required under state law. Check it out!

The table below indicates the average loss ratio of Nevada car insurance carriers for certain types of additional coverage, compiled from the NAIC’s most recent consumer data. An insurance carrier’s loss ratio equals the percentage of losses they experience against the premiums they earn.

Loss Ratio201520142013
Medical Payments (MedPay)79.0078.3281.58
Uninsured/Underinsured Motorist Coverage98.40107.13101.86

As you can see in the stats listed above, Nevada car insurance companies sustained loss ratios over 100 percent for uninsured/underinsured motorist coverage but dipped back below the 100 percent mark in 2015. When an insurance company sustains a loss ratio over 100 percent, this reveals that they are paying more money out in claims than they are getting back in customer premiums. So, if a carrier continues to have a loss ratio above 100 percent, that’s a pretty bad sign.

On the other hand, the table above also shows that Nevada car insurance companies are enjoying average gains to losses in a healthy range for MedPay coverage. The NAIC’s recent report did not include any data for PIP (Personal Injury Protection) loss ratios. Check out their 2018 Auto Insurance Database Report to learn more.

Remember when we talked about how liability insurance doesn’t pay for any injuries you sustain if you get into a wreck? Well, MedPay and Personal Injury Protection (PIP) pay for the costs of injuries sustained by either you and/or your passengers if an accident occurs, regardless of who caused it. MedPay and PIP also provide coverage if you are a pedestrian who is hit by a car.

Uninsured/underinsured motorist coverage offers you protection if you get into an accident with another driver (who is at fault), but that individual does not have insurance or maintains unsufficient coverages to pay the full amount of your claim.

Nevada currently ranks 29th in the nation for uninsured motorists. So, while these coverage add-ons might be optional, it is in your best interest to consider maintaining them as part of your Nevada car insurance policy.

– Add-ons, Endorsements, and Riders

Besides add-ons like MedPay and uninsured/underinsured motorist coverage, there are more coverage options you might want to consider including in your Nevada car insurance policy.

Check these out!

—Male vs Female Annual Car Insurance Rates in Nevada

In the two tables below, you will find data our researchers gathered from Nevada car insurance providers statewide to see if gender and age made a noticeable difference in rates. Men are often charged higher annual car insurance rates than women, with teen drivers usually having the highest rates of all.

Let’s see what our researchers discovered!

—Demographic and Insurance Carrier

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$3,213.12$3,187.35$2,980.43$3,148.67$10,608.38$12,771.99$3,436.69$3,631.01
American Family Mutual$3,166.61$3,166.61$2,821.83$2,821.83$10,708.72$14,014.29$3,166.61$3,653.13
Mid-Century Ins Co$3,309.54$3,398.72$3,017.95$3,407.39$11,011.64$11,728.64$4,410.53$4,434.89
GEICO Cas$2,764.87$2,674.83$2,816.04$2,873.57$6,851.05$6,237.15$2,737.80$2,324.96
Safeco Ins Co of IL$3,084.15$3,335.64$3,041.79$3,434.95$14,026.77$15,639.03$3,477.93$3,637.13
Depositors Insurance$2,362.11$2,414.50$2,152.73$2,282.29$5,805.75$6,979.24$2,808.27$2,994.55
Progressive Direct$2,182.18$1,873.41$1,904.77$1,899.44$9,436.38$10,231.11$2,535.15$2,328.90
State Farm Mutual Auto$3,496.78$3,496.78$3,171.99$3,171.99$10,846.02$13,863.57$3,917.14$4,378.51
Travelers Home & Marine Ins Co$2,107.82$2,137.13$2,013.94$2,011.37$11,261.00$18,350.69$2,332.62$2,582.53
USAA$2,044.07$2,007.42$1,960.43$1,948.62$5,313.62$5,987.19$2,576.44$2,740.28

As you’ll notice in the table above, most insurance companies charge 17-year-old male and female drivers significantly higher rates than the rest of the driving population. For instance, Allstate charges 17-year-old male drivers nearly $13,000 in annual premiums, while they only charge 25-year-old male drivers approximately $4,000. That’s a nearly $9,000 premium difference!

For other companies, the rate difference isn’t quite so extreme. Take USAA, for example. Teen driver rates are still the highest, but only a few thousand dollars more than other demographics in most cases.

Teen drivers aside, the rate difference between other age groups and genders isn’t typically too wide. For instance, carriers like Mid-Century Insurance Company only charge 35-year-old male drivers about $90 more in annual premiums than female drivers of the same age. On the other hand, Nevada car insurance companies like American Family Mutual charge 35 and 60-year-old drivers the exact same rates, regardless of gender.

As you can see, different insurance companies have different approaches to determining the premiums they charge insureds. In many cases, age is an even more important factor than gender.

—Rank by Demographic and Insurance Carrier

CompanyDemographicAverage Annual RateRank
Travelers Home & Marine Ins CoSingle 17-year old male$18,350.691
Safeco Ins Co of ILSingle 17-year old male$15,639.032
Safeco Ins Co of ILSingle 17-year old female$14,026.773
American Family MutualSingle 17-year old male$14,014.294
State Farm Mutual AutoSingle 17-year old male$13,863.575
Allstate F&CSingle 17-year old male$12,771.996
Mid-Century Ins CoSingle 17-year old male$11,728.647
Travelers Home & Marine Ins CoSingle 17-year old female$11,261.008
Mid-Century Ins CoSingle 17-year old female$11,011.649
State Farm Mutual AutoSingle 17-year old female$10,846.0210
American Family MutualSingle 17-year old female$10,708.7211
Allstate F&CSingle 17-year old female$10,608.3812
Progressive DirectSingle 17-year old male$10,231.1113
Progressive DirectSingle 17-year old female$9,436.3814
Depositors InsuranceSingle 17-year old male$6,979.2415
GEICO CasSingle 17-year old female$6,851.0516
GEICO CasSingle 17-year old male$6,237.1517
USAASingle 17-year old male$5,987.1918
Depositors InsuranceSingle 17-year old female$5,805.7519
USAASingle 17-year old female$5,313.6220
Mid-Century Ins CoSingle 25-year old male$4,434.8921
Mid-Century Ins CoSingle 25-year old female$4,410.5322
State Farm Mutual AutoSingle 25-year old male$4,378.5123
State Farm Mutual AutoSingle 25-year old female$3,917.1424
American Family MutualSingle 25-year old male$3,653.1325
Safeco Ins Co of ILSingle 25-year old male$3,637.1326
Allstate F&CSingle 25-year old male$3,631.0127
State Farm Mutual AutoMarried 35-year old female$3,496.7828
State Farm Mutual AutoMarried 35-year old male$3,496.7828
Safeco Ins Co of ILSingle 25-year old female$3,477.9330
Allstate F&CSingle 25-year old female$3,436.6931
Safeco Ins Co of ILMarried 60-year old male$3,434.9532
Mid-Century Ins CoMarried 60-year old male$3,407.3933
Mid-Century Ins CoMarried 35-year old male$3,398.7234
Safeco Ins Co of ILMarried 35-year old male$3,335.6435
Mid-Century Ins CoMarried 35-year old female$3,309.5436
Allstate F&CMarried 35-year old female$3,213.1237
Allstate F&CMarried 35-year old male$3,187.3538
State Farm Mutual AutoMarried 60-year old female$3,171.9939
State Farm Mutual AutoMarried 60-year old male$3,171.9939
American Family MutualMarried 35-year old female$3,166.6141
American Family MutualMarried 35-year old male$3,166.6141
American Family MutualSingle 25-year old female$3,166.6141
Allstate F&CMarried 60-year old male$3,148.6744
Safeco Ins Co of ILMarried 35-year old female$3,084.1545
Safeco Ins Co of ILMarried 60-year old female$3,041.7946
Mid-Century Ins CoMarried 60-year old female$3,017.9547
Depositors InsuranceSingle 25-year old male$2,994.5548
Allstate F&CMarried 60-year old female$2,980.4349
GEICO CasMarried 60-year old male$2,873.5750
American Family MutualMarried 60-year old female$2,821.8351
American Family MutualMarried 60-year old male$2,821.8351
GEICO CasMarried 60-year old female$2,816.0453
Depositors InsuranceSingle 25-year old female$2,808.2754
GEICO CasMarried 35-year old female$2,764.8755
USAASingle 25-year old male$2,740.2856
GEICO CasSingle 25-year old female$2,737.8057
GEICO CasMarried 35-year old male$2,674.8358
Travelers Home & Marine Ins CoSingle 25-year old male$2,582.5359

—Highest and Lowest Rates in Nevada by Zip Code

ZipcodeAverageAllstate F&CAmerican Family MutualMid-Century Ins CoGEICO CasSafeco Ins Co of ILDepositors InsuranceProgressive DirectState Farm Mutual AutoTravelers Home & Marine Ins CoUSAA
89101$7,486.53$8,048.30$8,553.10$9,480.30$4,836.05$9,883.38$5,319.48$5,888.23$9,533.35$9,371.11$3,951.95
89102$7,376.44$8,048.30$8,409.97$9,480.30$5,120.65$9,545.82$5,166.70$5,994.61$9,241.46$8,794.42$3,962.16
89106$7,374.13$7,769.45$8,409.97$9,480.30$4,962.07$10,172.89$5,533.73$6,020.83$9,274.17$8,165.97$3,951.95
89104$7,360.29$7,272.17$8,553.10$9,480.30$4,808.57$9,617.41$5,060.70$6,334.43$9,503.70$9,020.61$3,951.95
89030$7,347.44$8,088.48$8,409.97$9,318.62$4,836.05$9,883.38$5,533.73$6,251.86$8,285.37$8,915.00$3,951.95
89107$7,255.06$7,273.19$8,409.97$9,480.30$4,927.35$9,638.95$4,791.34$6,042.04$9,232.25$8,862.80$3,892.43
89109$7,199.02$7,710.41$8,553.10$9,480.30$4,846.89$9,183.10$5,060.70$5,686.59$8,294.43$9,297.97$3,876.74
89110$7,189.04$7,638.37$8,553.10$9,318.62$4,735.03$9,325.59$5,382.89$5,830.40$9,304.06$8,097.44$3,704.95
89169$7,157.11$7,319.33$8,553.10$9,480.30$4,960.96$9,183.10$5,060.70$5,164.44$8,674.52$9,297.97$3,876.74
89146$7,073.86$7,611.76$8,409.97$9,480.30$5,119.94$8,278.72$5,166.70$6,302.95$8,675.02$7,700.06$3,993.24
89103$7,029.98$7,954.13$8,409.97$8,690.65$4,977.04$8,275.86$5,166.70$5,732.50$8,928.35$8,202.41$3,962.16
89121$6,944.29$7,564.25$8,284.68$9,480.30$4,652.70$8,323.80$4,954.07$5,799.01$9,135.53$7,371.80$3,876.74
89119$6,919.52$7,883.30$8,284.68$8,690.65$4,652.70$9,183.10$5,238.74$5,024.44$8,931.76$7,429.11$3,876.74
89156$6,903.68$7,452.92$7,876.90$9,318.62$4,737.88$8,276.43$5,103.24$6,432.02$8,465.05$7,832.08$3,541.66
89147$6,898.71$7,915.29$7,953.51$9,160.06$5,280.42$8,177.41$4,959.82$6,140.50$8,392.48$7,111.97$3,895.68
89032$6,879.48$7,769.45$8,409.97$9,318.62$4,190.21$8,636.05$4,933.96$5,456.27$8,675.45$7,591.30$3,813.50
89142$6,870.53$7,231.45$7,876.90$9,318.62$4,685.71$8,276.43$4,954.07$5,769.08$9,242.92$7,554.76$3,795.37
89117$6,861.26$7,915.29$8,184.95$8,485.83$5,307.64$8,378.44$4,948.36$5,793.08$8,493.85$7,111.97$3,993.24
89120$6,856.41$7,489.95$8,284.68$9,480.30$4,635.57$7,922.66$4,738.80$5,423.88$8,609.67$8,101.88$3,876.74
89108$6,830.19$6,748.50$7,876.90$9,318.62$4,318.70$8,317.02$4,791.34$5,730.61$9,255.16$8,052.63$3,892.43
89122$6,808.18$7,143.22$7,876.90$9,318.62$4,691.99$8,276.43$4,738.80$5,717.62$9,035.87$7,364.02$3,918.32
89118$6,803.81$7,620.98$7,953.51$8,690.65$5,158.39$8,275.86$4,978.20$5,899.43$8,520.80$7,151.05$3,789.24
89148$6,782.42$7,748.82$7,818.69$9,160.06$5,070.96$8,079.21$4,809.06$5,965.21$7,852.17$7,424.37$3,895.68
89115$6,731.08$6,336.10$7,876.90$9,318.62$4,193.14$9,570.04$4,969.50$5,651.34$8,558.04$8,049.05$2,788.04
89139$6,708.63$7,753.29$6,967.21$8,602.85$5,231.49$7,975.48$4,647.53$6,376.44$8,087.23$7,655.58$3,789.24
89128$6,592.48$6,728.87$8,184.95$8,485.83$4,287.10$7,998.88$4,665.41$5,790.97$8,380.51$7,438.02$3,964.26
89145$6,585.70$7,032.37$8,184.95$8,485.83$4,287.10$8,309.94$4,665.41$5,440.70$8,260.80$7,182.67$4,007.21
89179$6,583.81$7,768.42$6,610.58$9,160.06$5,222.35$8,419.64$4,526.94$5,017.65$7,550.30$7,666.47$3,895.68
89113$6,554.22$7,211.62$6,967.21$9,160.06$5,050.28$8,177.41$4,647.53$5,423.24$8,408.23$6,707.34$3,789.24
89178$6,523.70$6,890.02$6,610.58$9,160.06$5,158.39$8,079.21$4,526.94$5,657.99$7,833.77$7,424.37$3,895.68
89141$6,518.11$7,334.79$6,967.21$8,602.85$5,318.02$7,957.22$4,446.61$5,489.04$7,764.76$7,464.11$3,836.45
89158$6,508.30$6,748.50$8,553.10$9,480.30$4,318.70$9,183.10$5,060.70$5,218.90$5,145.97$7,832.08$3,541.66
89031$6,478.19$7,331.22$7,244.78$8,485.83$4,326.08$8,484.53$4,933.19$5,505.84$7,780.21$7,288.23$3,402.05
89161$6,461.55$8,013.37$5,330.75$9,160.06$3,477.01$9,183.10$4,526.94$5,476.35$7,583.60$8,322.66$3,541.66
89130$6,440.03$6,865.14$7,876.90$8,485.83$4,069.19$8,248.52$4,416.05$5,258.29$7,743.91$7,592.66$3,843.79
89183$6,327.10$7,254.97$6,967.21$8,602.85$4,487.19$8,151.48$4,446.61$5,212.74$8,056.46$6,255.03$3,836.45
89135$6,310.96$6,888.72$7,818.69$7,819.91$4,568.56$8,092.19$4,362.11$5,671.28$7,681.26$6,400.51$3,806.38
89199$6,285.39$7,231.10$5,330.75$9,480.30$4,652.70$9,057.59$5,238.74$5,024.44$5,145.97$8,904.30$2,788.04
89191$6,248.03$7,452.92$7,876.90$9,318.62$3,477.01$8,276.43$4,969.50$5,278.70$8,441.18$4,600.98$2,788.04
89087$6,236.06$6,589.11$8,409.97$7,145.80$4,295.37$8,484.53$5,533.73$6,265.79$5,145.97$7,088.27$3,402.05
89129$6,214.77$6,748.50$7,078.20$8,485.83$4,230.49$7,998.88$4,484.60$5,027.29$8,051.30$6,267.31$3,775.28
89138$6,129.99$6,888.72$6,669.23$7,819.91$4,540.02$8,142.28$4,251.58$5,590.24$6,974.62$7,316.80$3,106.51
89144$6,123.71$6,884.22$6,669.23$7,819.91$4,332.97$7,998.88$4,362.11$5,366.50$7,002.32$7,168.56$3,632.40
89165$6,119.23$6,865.14$5,330.75$7,145.80$3,477.01$8,498.42$4,476.42$5,651.34$7,502.24$8,703.52$3,541.66
89123$6,105.08$6,411.06$6,967.21$8,602.85$4,008.83$7,922.66$4,279.18$5,311.08$7,512.97$6,255.03$3,779.97
89081$6,097.13$6,944.30$7,244.78$8,485.83$4,156.71$6,865.80$4,476.42$4,935.08$7,362.78$7,711.55$2,788.04
89074$6,094.27$7,231.10$6,493.72$6,904.95$4,703.77$7,299.27$4,379.13$5,469.34$7,760.80$7,105.66$3,594.96
89134$6,068.78$6,728.87$6,669.23$7,819.91$4,391.12$7,998.88$4,665.41$5,515.58$7,142.07$6,124.29$3,632.40
89149$6,034.31$6,465.60$7,078.20$7,145.80$4,230.49$8,087.77$4,416.05$5,046.09$7,408.64$6,723.77$3,740.68
89084$6,032.79$6,865.14$7,244.78$7,145.80$4,278.44$7,889.70$4,549.77$4,918.01$7,509.06$6,758.47$3,168.79
89131$6,017.17$6,865.14$7,244.78$7,145.80$4,230.58$8,283.97$4,340.33$5,254.59$6,532.13$6,679.80$3,594.55
89085$6,014.64$6,865.14$7,244.78$7,145.80$4,261.88$7,717.29$4,549.77$4,757.14$7,502.24$7,088.27$3,014.07
89052$5,986.00$6,762.52$6,669.23$7,438.51$4,236.19$7,430.58$4,218.37$4,987.71$7,185.79$7,336.14$3,594.96
89014$5,964.11$7,143.22$6,493.72$6,904.95$4,470.72$7,321.50$4,412.13$4,905.02$7,498.85$6,731.89$3,759.11
89086$5,912.55$6,589.11$7,244.78$7,145.80$4,295.37$6,851.40$4,476.42$4,700.72$7,331.05$7,088.78$3,402.05
89143$5,907.97$6,465.60$7,078.20$7,145.80$4,420.94$8,087.77$4,156.60$5,122.52$6,843.90$6,336.41$3,422.00
89011$5,810.24$6,337.44$6,493.72$6,904.95$3,892.22$7,724.66$4,306.38$4,823.40$7,334.15$6,595.15$3,690.29
89033$5,797.39$6,855.93$7,244.78$7,145.80$4,289.74$6,616.96$4,549.77$5,222.71$5,145.97$7,088.78$3,813.50
89044$5,713.37$5,970.85$6,669.23$7,438.51$4,236.30$7,430.58$3,807.01$5,054.67$6,414.67$6,516.92$3,594.96
89012$5,687.07$6,270.94$6,669.23$7,438.51$3,916.59$7,299.27$4,379.13$4,424.68$6,616.82$6,260.58$3,594.96
89004$5,596.93$7,347.57$5,330.75$5,087.44$3,477.01$8,446.02$4,526.94$5,218.90$6,841.13$6,586.57$3,106.95
89015$5,592.27$5,692.37$6,493.72$7,242.44$3,921.91$7,406.70$4,133.45$4,642.86$6,603.14$6,131.33$3,654.79
89002$5,582.91$5,692.37$6,493.72$7,242.44$3,736.50$7,651.11$4,133.45$4,284.42$6,864.79$6,131.33$3,598.96
89166$5,539.07$5,776.23$5,330.75$7,145.80$4,420.94$8,087.77$4,156.60$4,899.94$5,207.08$7,258.63$3,106.95
89054$5,508.41$6,411.06$5,330.75$5,087.44$3,477.01$7,649.04$3,278.18$5,492.04$7,816.48$6,705.62$3,836.45
89124$5,228.48$6,456.37$5,330.75$5,514.97$3,477.01$7,649.04$3,278.18$4,957.35$5,808.56$6,705.62$3,106.95
89019$4,769.17$6,456.37$5,330.75$5,087.44$3,477.01$5,471.24$3,278.18$5,148.59$5,437.45$4,534.92$3,469.71
89067$4,763.30$5,424.60$5,330.75$5,087.44$3,477.01$6,233.74$3,278.18$5,427.51$5,145.97$4,391.35$3,836.45
89026$4,643.58$5,424.60$5,330.75$5,087.44$3,477.01$7,649.04$3,278.18$2,833.99$5,358.02$4,391.35$3,605.45
89005$4,614.02$5,766.98$5,161.19$5,087.44$3,726.31$6,746.98$3,278.18$3,632.52$5,266.75$4,366.89$3,106.95
89046$4,576.29$6,337.44$5,330.75$5,087.44$3,477.01$5,471.24$3,278.18$3,556.14$5,145.97$4,971.78$3,106.95
89029$4,572.33$6,337.44$5,330.75$4,531.81$3,477.01$5,473.21$3,278.18$3,037.94$4,865.38$6,284.62$3,106.95
89018$4,548.91$5,779.77$5,330.75$5,087.44$3,477.01$5,957.20$3,278.18$4,655.31$4,828.04$3,988.43$3,106.95
89021$4,545.43$5,424.60$5,161.19$5,087.44$3,477.01$6,233.74$3,278.18$3,787.75$5,506.14$4,391.35$3,106.95
89040$4,527.30$5,424.60$5,161.19$5,087.44$3,477.01$6,233.74$3,278.18$3,484.97$5,627.56$4,391.35$3,106.95
89061$4,505.44$4,970.26$4,375.11$6,124.86$3,470.76$6,190.13$3,279.40$4,415.03$5,013.98$4,494.42$2,720.50
89039$4,495.80$6,337.44$5,330.75$5,087.44$3,477.01$5,471.24$3,278.18$2,833.99$5,063.20$4,971.78$3,106.95
89048$4,492.04$4,963.43$4,375.11$6,124.86$3,470.76$6,190.13$3,279.40$4,354.45$4,967.64$4,474.19$2,720.50
89025$4,475.32$5,424.60$5,330.75$5,087.44$3,477.01$6,216.11$3,278.18$2,833.99$5,606.78$4,391.35$3,106.95
89060$4,470.11$4,963.43$4,375.11$6,124.86$3,470.76$6,190.13$3,279.40$4,390.68$4,888.85$4,297.36$2,720.50
89502$4,360.16$4,480.81$4,458.57$5,141.78$3,628.06$5,543.97$3,190.76$3,908.31$5,178.41$5,314.11$2,756.81
89023$4,320.45$6,623.66$4,247.71$6,124.86$2,935.94$5,415.60$2,535.31$4,223.75$4,285.73$4,195.23$2,616.68
89509$4,318.19$4,387.62$4,701.37$5,141.78$3,490.17$5,516.58$3,190.76$3,744.41$5,211.40$5,041.04$2,756.81
89501$4,308.50$4,353.16$4,701.37$5,141.78$3,717.85$4,998.72$3,190.76$3,934.26$5,568.30$4,775.26$2,703.59
89519$4,293.24$4,387.62$4,458.57$5,141.78$3,628.53$5,516.58$3,021.96$3,547.36$5,504.12$5,041.04$2,684.80
89431$4,280.70$4,387.62$4,701.37$5,341.05$3,723.15$4,957.20$3,000.32$3,825.13$5,226.48$4,743.47$2,901.21
89402$4,276.79$4,313.24$4,102.86$6,298.44$3,691.95$4,736.62$3,043.41$2,939.09$5,752.58$5,026.90$2,862.88
89503$4,270.71$4,261.49$4,701.37$5,141.78$3,716.57$5,477.70$3,190.76$3,482.78$5,109.24$4,762.55$2,862.88
89449$4,255.26$4,003.00$4,102.86$6,336.64$3,577.65$4,364.76$2,816.60$3,160.21$5,849.86$5,718.66$2,622.31
89433$4,237.31$4,261.49$4,701.37$5,341.05$3,626.78$4,878.17$3,000.32$3,755.46$5,262.67$4,682.86$2,862.88
89512$4,226.10$4,261.49$4,701.37$5,141.78$3,724.41$5,074.76$3,000.32$3,827.36$5,233.93$4,432.72$2,862.88
89434$4,217.12$4,479.30$4,458.57$4,937.32$3,503.50$5,177.13$3,000.32$3,749.33$5,468.33$4,496.22$2,901.21
89034$4,213.97$5,424.60$4,247.71$3,881.42$3,477.01$5,878.22$3,278.18$2,580.52$5,145.97$4,412.55$3,813.50
89448$4,208.43$3,853.98$4,102.86$6,336.64$3,577.65$4,364.76$2,816.60$3,527.83$5,776.84$5,104.79$2,622.31
89521$4,205.94$4,459.72$4,458.57$5,141.78$3,559.76$4,627.42$3,207.52$3,481.87$5,189.95$5,181.38$2,751.45
89007$4,203.71$5,424.60$5,161.19$3,881.42$3,477.01$6,233.74$3,278.18$2,404.98$4,677.73$4,391.35$3,106.95
89506$4,198.94$4,185.59$4,458.57$5,033.35$3,536.94$5,311.28$2,952.59$3,733.80$5,285.24$4,629.13$2,862.88
89020$4,186.62$5,405.01$4,247.71$6,124.86$2,935.94$5,431.25$2,535.31$4,266.93$4,107.30$4,195.23$2,616.68
89523$4,158.67$4,261.49$4,458.57$5,141.78$3,571.14$5,199.66$2,952.59$3,400.62$5,249.62$4,647.62$2,703.59
89436$4,122.20$4,261.49$4,458.57$4,833.47$3,503.50$4,909.99$2,952.59$3,532.13$5,449.43$4,419.67$2,901.21
89413$4,118.99$4,003.00$4,102.86$6,298.44$3,577.65$4,364.76$2,816.60$3,527.83$5,752.58$4,123.88$2,622.31
89027$4,096.49$5,424.60$4,247.71$3,881.42$3,477.01$5,878.22$3,278.18$2,580.52$4,677.73$4,412.55$3,106.95
89508$4,093.90$4,185.59$4,458.57$5,141.78$3,536.94$4,998.72$2,878.87$3,638.66$5,065.80$4,171.21$2,862.88
89441$4,089.00$4,261.49$4,458.57$4,833.47$3,176.90$4,932.22$3,000.32$3,638.66$5,305.79$4,419.67$2,862.88
89511$4,083.86$4,024.07$4,458.57$5,085.68$3,577.65$4,674.50$3,021.96$3,417.76$5,205.80$4,726.47$2,646.15
89557$4,083.67$4,261.49$4,247.71$5,141.78$3,717.85$5,477.70$2,952.59$3,400.62$4,285.73$4,647.62$2,703.59
89451$4,083.26$4,313.24$4,102.86$3,619.53$3,691.95$4,736.62$3,043.41$3,728.02$5,707.18$5,026.90$2,862.88
89439$4,060.03$4,185.59$4,458.57$4,937.32$3,571.14$5,199.66$2,952.59$2,923.53$5,185.71$4,482.65$2,703.59
89003$3,973.32$4,434.73$4,247.71$6,124.86$2,935.94$5,431.25$2,535.31$3,010.18$4,201.34$4,195.23$2,616.68
89510$3,931.74$4,187.11$4,458.57$5,141.78$2,935.94$4,778.81$2,878.87$3,571.84$4,354.28$4,269.11$2,741.06
89008$3,789.18$5,424.60$4,247.71$3,314.88$2,935.94$4,831.57$2,535.31$3,752.54$4,373.32$3,859.26$2,616.68
89042$3,781.93$4,454.33$4,247.71$3,314.88$2,935.94$4,895.11$2,535.31$4,780.48$4,179.56$3,859.26$2,616.68
89411$3,779.91$4,003.00$4,102.86$3,783.38$3,481.28$4,275.90$2,816.60$3,544.88$5,276.91$3,891.96$2,622.31
89704$3,777.79$4,003.00$4,458.57$3,120.67$3,176.90$4,759.89$3,021.96$3,215.13$5,222.63$3,982.74$2,816.39
89022$3,774.00$4,230.11$4,247.71$3,314.88$2,935.94$5,415.60$2,535.31$4,428.95$4,285.73$3,729.14$2,616.68
89017$3,760.00$4,434.73$4,247.71$3,314.88$2,935.94$5,326.95$2,535.31$3,724.69$4,285.73$4,177.38$2,616.68
89705$3,752.62$4,003.00$4,102.86$3,783.38$3,481.28$4,633.92$2,816.60$3,211.56$4,643.14$4,224.20$2,626.26
89001$3,750.89$4,434.73$4,247.71$3,314.88$2,935.94$5,342.60$2,535.31$3,752.54$4,158.84$4,169.63$2,616.68
89703$3,740.66$4,003.00$4,102.86$3,783.38$3,517.09$4,618.27$2,618.76$3,200.55$4,730.13$4,237.79$2,594.78
89706$3,722.98$4,003.00$4,102.86$3,783.38$3,481.28$4,633.92$2,633.46$3,223.90$4,696.04$4,077.19$2,594.78
89702$3,712.29$4,003.00$4,102.86$3,783.38$3,481.28$4,618.27$2,633.46$3,019.64$4,616.94$4,237.79$2,626.26
89701$3,701.65$4,003.00$4,102.86$3,783.38$3,481.28$4,618.27$2,633.46$3,019.64$4,611.23$4,168.61$2,594.78
89424$3,683.95$4,187.11$3,937.56$3,120.67$2,935.94$4,726.82$2,878.87$3,450.85$4,974.36$3,886.29$2,741.06
89043$3,666.14$4,454.33$4,247.71$3,314.88$2,935.94$4,895.11$2,535.31$3,395.54$4,406.65$3,859.26$2,616.68
89013$3,657.04$4,434.73$4,247.71$3,314.88$2,935.94$5,431.25$2,535.31$2,638.03$4,275.63$4,140.27$2,616.68
89440$3,650.41$4,024.07$3,937.56$3,120.67$2,994.32$5,109.35$2,772.10$3,208.96$4,260.84$4,382.27$2,693.93
89422$3,630.32$4,012.51$4,247.71$3,120.67$2,935.94$5,307.76$2,535.31$3,064.82$4,285.73$4,218.99$2,573.74
89049$3,627.28$4,434.73$4,247.71$3,314.88$2,935.94$5,415.60$2,535.31$2,813.57$4,049.01$3,909.33$2,616.68
89442$3,625.44$4,024.07$3,937.56$3,120.67$2,935.94$4,726.82$2,878.87$3,432.51$4,285.73$4,171.21$2,741.06
89047$3,617.00$4,434.73$4,247.71$3,314.88$2,935.94$5,251.67$2,535.31$2,638.03$4,285.73$3,909.33$2,616.68
89314$3,612.73$4,032.11$4,247.71$3,314.88$2,935.94$5,415.60$2,535.31$2,889.62$4,285.73$3,853.70$2,616.68
89010$3,611.34$4,434.73$4,247.71$3,314.88$2,935.94$5,251.67$2,535.31$2,420.49$4,215.68$4,140.27$2,616.68
89420$3,609.41$4,012.51$4,247.71$3,120.67$2,935.94$5,307.76$2,535.31$3,064.82$4,285.73$4,009.91$2,573.74
89460$3,605.21$4,003.00$4,102.86$3,783.38$3,071.64$4,275.90$2,816.60$3,051.98$4,649.79$3,674.68$2,622.31
89423$3,599.50$4,003.00$4,102.86$3,783.38$3,107.45$4,275.90$2,630.68$3,029.98$4,659.34$3,776.12$2,626.26
89428$3,598.18$4,024.07$4,247.71$3,120.67$3,176.90$4,633.92$2,630.68$3,091.05$4,285.73$4,077.19$2,693.93
89403$3,584.29$3,853.98$3,937.56$3,578.66$3,099.79$4,941.45$2,630.68$2,946.92$4,278.12$3,881.80$2,693.93
89412$3,576.38$4,017.03$3,937.56$3,120.67$2,935.94$4,461.08$2,878.87$3,474.35$4,285.73$3,911.55$2,741.06
89310$3,568.23$4,012.51$4,247.71$3,314.88$2,935.94$4,899.81$2,535.31$2,944.42$4,285.73$3,932.26$2,573.74
89316$3,556.01$4,032.11$4,247.71$3,314.88$2,935.94$4,899.81$2,535.31$3,107.57$4,277.60$3,635.45$2,573.74
89408$3,553.17$3,853.98$3,937.56$3,120.67$2,958.17$4,824.69$2,762.64$3,177.22$4,190.08$4,012.76$2,693.93
89405$3,551.51$4,017.03$3,937.56$3,120.67$2,935.94$4,461.08$2,878.87$3,432.60$4,104.03$3,886.29$2,741.06
89410$3,544.17$3,853.98$4,102.86$3,398.05$3,107.45$4,275.90$2,816.60$2,928.33$4,712.22$3,674.68$2,571.69
89429$3,538.92$3,853.98$3,937.56$3,120.67$2,994.32$4,883.41$2,762.64$3,118.55$4,227.64$3,796.55$2,693.93
89409$3,538.25$4,012.51$4,247.71$3,120.67$2,935.94$5,001.20$2,535.31$2,760.38$4,285.73$3,909.33$2,573.74
89045$3,534.41$4,012.51$4,247.71$3,314.88$2,935.94$4,899.81$2,535.31$2,813.57$4,041.54$3,926.12$2,616.68
89444$3,533.97$3,853.98$4,102.86$3,120.67$2,935.94$4,439.50$2,535.31$2,923.53$4,650.50$4,203.65$2,573.74
89311$3,529.65$4,032.11$4,247.71$3,314.88$2,935.94$4,775.13$2,535.31$2,699.29$4,285.73$3,853.70$2,616.68
89318$3,524.26$4,032.11$4,247.71$3,314.88$2,935.94$4,778.71$2,535.31$2,889.62$4,037.98$3,853.70$2,616.68
89821$3,522.86$4,032.11$4,247.71$3,120.67$2,935.94$4,613.21$2,535.31$2,972.63$4,285.73$3,911.55$2,573.74
89319$3,522.02$4,032.11$4,247.71$3,314.88$2,935.94$4,778.71$2,535.31$2,889.62$4,015.55$3,853.70$2,616.68
89301$3,518.76$4,032.11$4,247.71$3,314.88$2,935.94$4,778.71$2,535.31$2,781.43$4,091.09$3,853.70$2,616.68
89438$3,517.20$4,012.51$4,247.71$3,120.67$2,935.94$4,460.46$2,535.31$2,921.11$4,285.73$3,911.55$2,741.06
89317$3,513.94$4,032.11$4,247.71$3,314.88$2,935.94$4,769.26$2,535.31$2,870.11$4,285.73$3,531.72$2,616.68
89830$3,507.76$4,032.11$4,060.71$3,120.67$2,935.94$4,682.79$2,535.31$3,065.83$4,285.73$3,784.82$2,573.74
89414$3,507.02$4,012.51$4,247.71$3,120.67$2,935.94$4,460.46$2,535.31$2,911.37$4,193.58$3,911.55$2,741.06
89883$3,504.32$4,032.11$4,060.71$3,120.67$2,935.94$4,682.79$2,535.31$3,065.83$4,251.31$3,784.82$2,573.74
89430$3,502.58$4,003.00$3,937.56$3,120.67$2,935.94$4,439.50$2,535.31$2,941.77$4,196.68$4,341.67$2,573.74
89415$3,497.60$3,849.47$4,247.71$3,120.67$2,935.94$4,399.49$2,535.31$3,064.82$4,238.98$4,009.91$2,573.74
89418$3,487.58$4,012.51$4,247.71$3,120.67$2,935.94$4,775.11$2,535.31$2,586.28$4,285.73$3,635.45$2,741.06
89404$3,474.95$4,012.51$4,247.71$3,120.67$2,935.94$4,372.72$2,535.31$2,586.28$4,285.73$3,911.55$2,741.06
89820$3,471.07$4,012.51$4,247.71$3,120.67$2,935.94$4,519.53$2,535.31$2,620.81$4,232.92$3,911.55$2,573.74
89425$3,470.37$4,012.51$4,247.71$3,120.67$2,935.94$4,379.95$2,535.31$2,596.03$4,222.97$3,911.55$2,741.06
89828$3,470.27$4,032.11$4,060.71$3,120.67$2,935.94$4,684.24$2,631.58$3,065.83$4,285.73$3,312.12$2,573.74
89426$3,468.91$4,012.51$4,247.71$3,120.67$2,935.94$4,335.52$2,535.31$2,596.03$4,285.73$3,878.60$2,741.06
89427$3,468.42$3,849.47$4,247.71$3,120.67$2,935.94$4,450.28$2,535.31$2,799.99$4,285.73$3,885.34$2,573.74
89447$3,465.95$3,853.98$3,937.56$3,120.67$2,935.94$4,439.50$2,535.31$2,936.92$4,095.71$4,109.98$2,693.93
89823$3,464.10$4,032.11$4,060.71$3,120.67$2,935.94$4,727.26$2,535.31$2,624.45$4,285.73$3,745.13$2,573.74
89825$3,463.15$4,032.11$4,060.71$3,120.67$2,935.94$4,578.64$2,535.31$2,624.45$4,424.85$3,745.13$2,573.74
89822$3,456.73$4,032.11$4,060.71$3,120.67$2,935.94$4,580.09$2,535.31$3,027.03$4,123.70$3,577.95$2,573.74
89801$3,451.43$4,032.11$4,060.71$3,120.67$2,935.94$4,684.24$2,631.58$2,667.27$4,230.11$3,577.95$2,573.74
89833$3,437.66$4,032.11$4,060.71$3,120.67$2,935.94$4,602.12$2,535.31$2,624.45$4,285.73$3,605.85$2,573.74
89815$3,434.84$4,032.11$4,060.71$3,120.67$2,935.94$4,684.24$2,631.58$2,662.57$4,334.73$3,312.12$2,573.74
89834$3,434.38$4,032.11$4,060.71$3,120.67$2,935.94$4,564.00$2,535.31$2,657.68$4,285.73$3,577.95$2,573.74
89831$3,431.30$4,032.11$4,060.71$3,120.67$2,935.94$4,505.15$2,535.31$2,685.71$4,285.73$3,577.95$2,573.74
89835$3,430.06$4,032.11$4,060.71$3,120.67$2,935.94$4,682.79$2,535.31$2,576.54$3,998.00$3,784.82$2,573.74
89419$3,428.28$4,012.51$4,247.71$3,120.67$2,935.94$4,386.51$2,535.31$2,586.28$4,081.33$3,635.45$2,741.06
89445$3,413.48$4,012.51$4,247.71$3,120.67$2,935.94$4,359.85$2,453.46$2,521.14$4,106.98$3,635.45$2,741.06
89832$3,411.87$4,032.11$4,060.71$3,120.67$2,935.94$4,505.15$2,535.31$2,522.37$4,254.77$3,577.95$2,573.74
89406$3,411.08$3,853.98$4,247.71$3,120.67$2,899.82$4,391.57$2,572.09$2,876.00$4,060.20$3,928.62$2,160.12

The table above reveals the highest and lowest Nevada car insurance company rates statewide based on zip code. Use the search bar to find your zip code and discover what insurance providers charge in your area.

—Most Expensive/Least Expensive Carrier Rates by City

CityAverage Grand Total
FALLON$3,411.08
OWYHEE$3,411.87
WINNEMUCCA$3,413.48
LOVELOCK$3,428.28
WELLS$3,430.06
MOUNTAIN CITY$3,431.30
TUSCARORA$3,434.38
SPRING CREEK$3,434.84
RUBY VALLEY$3,437.66
ELKO$3,451.43
CARLIN$3,456.72
JACKPOT$3,463.15
DEETH$3,464.10
YERINGTON$3,465.95
SCHURZ$3,468.42
PARADISE VALLEY$3,468.91
LAMOILLE$3,470.27
OROVADA$3,470.37
BATTLE MOUNTAIN$3,471.07
DENIO$3,474.95
IMLAY$3,487.58
HAWTHORNE$3,497.60
SMITH$3,502.58
WEST WENDOVER$3,504.32
GOLCONDA$3,507.01
MONTELLO$3,507.76
LUND$3,513.95
VALMY$3,517.20
ELY$3,518.76
RUTH$3,522.02
CRESCENT VALLEY$3,522.86
MC GILL$3,524.26
BAKER$3,529.65
WELLINGTON$3,533.97
ROUND MOUNTAIN$3,534.41
GABBS$3,538.25
SILVER SPRINGS$3,538.93
EMPIRE$3,551.51
FERNLEY$3,553.17
EUREKA$3,556.01
AUSTIN$3,568.23
GARDNERVILLE$3,574.70
GERLACH$3,576.38
DAYTON$3,584.29
SILVER CITY$3,598.18
MINDEN$3,599.50
LUNING$3,609.41
DYER$3,611.34
DUCKWATER$3,612.73
SILVERPEAK$3,617.00
WADSWORTH$3,625.44
TONOPAH$3,627.28
MINA$3,630.32
VIRGINIA CITY$3,650.41
GOLDFIELD$3,657.04
PIOCHE$3,666.14
NIXON$3,683.95
CARSON CITY$3,726.04
ALAMO$3,750.89
HIKO$3,760.00
MANHATTAN$3,774.01
WASHOE VALLEY$3,777.79
GENOA$3,779.91
PANACA$3,781.93
CALIENTE$3,789.18
BEATTY$3,973.32
VERDI$4,060.03
INCLINE VILLAGE$4,083.26
GLENBROOK$4,118.99
MESQUITE$4,155.23
SPARKS$4,177.26
AMARGOSA VALLEY$4,186.62
RENO$4,194.89
BUNKERVILLE$4,203.71
ZEPHYR COVE$4,208.43
SUN VALLEY$4,237.30
STATELINE$4,255.26
CRYSTAL BAY$4,276.79
MERCURY$4,320.45
MOAPA$4,475.32
PAHRUMP$4,489.20
CAL NEV ARI$4,495.80
OVERTON$4,527.30
LOGANDALE$4,545.43
INDIAN SPRINGS$4,548.91
LAUGHLIN$4,572.33
SEARCHLIGHT$4,576.29
BOULDER CITY$4,614.02
JEAN$4,706.38
COYOTE SPRINGS$4,763.30
SLOAN$5,508.41
BLUE DIAMOND$5,596.93
HENDERSON$5,803.78
NELLIS AFB$6,248.03
NORTH LAS VEGAS$6,310.63
LAS VEGAS$6,621.74

Use the search bar for the table above to find the average carrier rates for your city! It’s interesting to note, that large cities like Las Vegas tend to have much higher carrier rates than smaller towns like Fallon. As our researchers discovered, location can definitely be a significant factor in the insurance rates carriers charge.

Best Nevada Car Insurance Companies

Ready to discover the best Nevada car insurance companies statewide? From the top carriers’ financial ratings to Nevada insurers with the best customer ratings to those with the most complaints, you won’t want to miss this.

Let’s get this show on the road…

—The 10 Largest Nevada Car Insurance Companies’ Financial Ratings

Providers (Listed by Size, Largest to Smallest)A.M. Best Rating
State Farm GroupA++
GEICOA++
Progressive GroupA+
Allstate Insurance GroupA+
Farmers Insurance GroupA
USAA GroupA++
Liberty Mutual GroupA
CSAA Insurance GroupA
American Family Insurance GroupA
Hartford Fire & Casualty GroupA+

—Nevada Car Insurance Companies with the BEST Customer Ratings

jd power study 2018 southwest region

Every year, J.D. Power releases its annual U.S. Auto Insurance Study for overall customer satisfaction across the country. Take a look to see how your current insurance carrier rates!

—Nevada Car Insurance Companies with the MOST Customer Complaints

Below are the Nevada Car Insurance Companies with the most consumer complaints, taken from the Nevada Division of Insurance’s 2018 Consumer Complaint Report. Check to see where your current insurer or any company you’re currently considering ranks.

Insurance CompanyDate Complaint OpenedDate Complaint ClosedCoverage Level 1Coverage Level 2Reason for ComplaintReason TypeDepartment of Insurance Findings
KEY INSURANCE COMPANY01-02-201802-02-2018Private PassengerCollisionClaim HandlingDelayCompromised Settlement/Resol.
HORACE MANN INSURANCE COMPANY01-04-201803-02-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
American Family Mutual Insurance Company, S.I.01-04-201802-08-2018Private PassengerCollisionClaim HandlingState SpecificCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-09-201803-08-2018Private PassengerCollisionClaim HandlingAdjuster Handling
Delay
Claim Settled
GEICO Advantage Insurance Company01-10-201801-31-2018Private PassengerCollisionClaim HandlingDenial of Claim
Unsatisfactory Settle Offer
Company Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-15-201803-12-2018Private PassengerCollisionClaim HandlingAdjuster Handling
Delay
Claim Settled
BARSANTI, JOHN S
FARMERS INSURANCE EXCHANGE
01-18-201803-12-2018Private PassengerCollisionClaim HandlingAdjuster Handling
Coordination of Benefits
Unsatisfactory Settle Offer
Company Position Upheld
No Further Action Req/Rqd
American Family Mutual Insurance Company, S.I.01-24-201803-08-2018Private PassengerCollisionClaim HandlingDelayNo Further Action Req/Rqd
STATE FARM FIRE & CASUALTY COMPANY01-27-201801-30-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
MENDOTA INSURANCE COMPANY01-29-201803-28-2018Private PassengerCollisionClaim HandlingDelay
Unsatisfactory Settle Offer
Compromised Settlement/Resol.
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-30-201803-08-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
FARMERS INSURANCE EXCHANGE02-06-201803-14-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-07-201803-07-2018Private PassengerCollisionClaim HandlingDenial of ClaimCompany Position Upheld
GEICO CASUALTY COMPANY02-09-201803-01-2018Private PassengerCollisionClaim HandlingDenial of ClaimCompany Position Upheld
GEICO Secure Insurance Company02-12-201803-14-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY02-12-201803-14-2018Private PassengerCollisionClaim HandlingDelayNo Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-13-201803-16-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
UNITED SERVICES AUTOMOBILE ASSOCIATION02-14-201803-26-2018Private PassengerCollisionClaim HandlingDelayClaim Settled
Self Insured Services Company02-28-201803-05-2018Private PassengerCollisionClaim HandlingDelayComplaint Withdrawn
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY03-09-201803-29-2018Private PassengerCollisionPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
NEVADA GENERAL INSURANCE COMPANY01-10-201803-02-2018Private PassengerComprehensiveClaim HandlingDelayClaim Settled
KEY INSURANCE COMPANY
NMSW INC
01-25-201802-09-2018Private PassengerComprehensivePolicyholder ServiceCoverage Question
Payment Not Credited
Compromised Settlement/Resol.
Compromised Settlement/Resol.
PROGRESSIVE DIRECT INSURANCE COMPANY02-01-201803-15-2018Private PassengerComprehensiveClaim HandlingDenial of ClaimCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY01-30-201802-16-2018Private PassengerComprehensiveClaim HandlingDenial of ClaimState Specific
NEVADA GENERAL INSURANCE COMPANY01-30-201803-30-2018Private PassengerComprehensiveClaim HandlingDenial of ClaimCompany Position Upheld
MID-CENTURY INSURANCE COMPANY
PROGRESSIVE NORTHERN INSURANCE COMPANY
01-02-201802-14-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
Company Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-02-201801-30-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-02-201802-28-2018Private PassengerLiabilityClaim Handling
Policyholder Service
Coverage Question
Post Claim Underwriting
Company Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-02-201801-03-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-02-201801-22-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY01-02-201801-03-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
NATIONWIDE MEMBER SOLUTIONS AGENCY, INC
VICTORIA FIRE & CASUALTY COMPANY
01-02-201803-05-2018Private PassengerLiabilityPolicyholder Service
Underwriting
Coverage Question
State Specific
Compromised Settlement/Resol.
No Further Action Req/Rqd
GEICO Advantage Insurance Company01-02-201801-16-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
NEVADA GENERAL INSURANCE COMPANY01-02-201803-02-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
ALLSTATE PROPERTY & CASUALTY INSURANCE COMPANY01-02-201801-23-2018Private PassengerLiabilityPolicyholder Service
Underwriting
CLUE Reports
Coverage Question
Company Position Upheld
JAMES RIVER INSURANCE COMPANY01-03-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
LARIOS GALVEZ, CARLOS OMAR OMAR
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
WHITMORE, BROOKS ELLIOT
01-03-201803-01-2018Private PassengerLiabilityPolicyholder Service
Underwriting
Cancellation
Coverage Question
Company Position Upheld
No Further Action Req/Rqd
No Further Action Req/Rqd
MID-CENTURY INSURANCE COMPANY01-03-201801-12-2018Private PassengerLiabilityClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Compromised Settlement/Resol.
American Family Insurance Company01-03-201803-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
BAXTER-BARTON, SUSAN N
LUNDEEN AND ASSOCIATES LLC
MENDAKOTA INSURANCE COMPANY
01-03-201803-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ESIS INC
HERTZ CLAIM MANAGEMENT CORPORATION
01-03-201803-23-2018Private PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
LM GENERAL INSURANCE COMPANY01-03-201803-09-2018Private PassengerLiabilityUnderwritingNonrenewalCompany Position Upheld
GEICO CASUALTY COMPANY01-04-201801-17-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PERMANENT GENERAL ASSURANCE CORPORATION01-04-201801-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PLAIN INC
PROGRESSIVE NORTHERN INSURANCE COMPANY
01-04-201802-02-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
POLISEEK AIS INSURANCE SOLUTIONS INC
PROGRESSIVE NORTHERN INSURANCE COMPANY
01-04-201802-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage Question
Premium Notice/Billing
Premium Refund
Company Position Upheld
No Further Action Req/Rqd
ALLSTATE PROPERTY & CASUALTY INSURANCE COMPANY01-04-201801-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE NORTHERN INSURANCE COMPANY01-04-201802-27-2018Private PassengerLiabilityPolicyholder ServicePremium Notice/BillingNo Further Action Req/Rqd
ACCEPTANCE INS AGENCY OF TENNESSEE INC
NATIONAL GENERAL INSURANCE COMPANY
01-04-201802-02-2018Private PassengerLiabilityMarketing & Sales
Policyholder Service
Coverage Question
State Specific
Company Position Upheld
No Further Action Req/Rqd
FREEWAY INSURANCE SERVICES OFNEVADA, INC
KEY INSURANCE COMPANY
01-04-201801-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
American Family Mutual Insurance Company, S.I.
01-05-201803-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
No Further Action Req/Rqd
PROGRESSIVE NORTHERN INSURANCE COMPANY01-05-201802-21-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
GEICO CASUALTY COMPANY01-05-201801-18-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferClaim Settled
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-06-201801-19-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-08-201802-01-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY01-08-201803-29-2018Private PassengerLiabilityClaim HandlingDelay
Denial of Claim
Compromised Settlement/Resol.
NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA01-08-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
21st CENTURY INSURANCE COMPANY01-08-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
CSAA General Insurance Company01-08-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY01-09-201801-09-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-09-201802-07-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
GEICO CASUALTY COMPANY01-09-201803-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD01-09-201802-08-2018Private PassengerLiabilityMarketing & SalesMisrepresentation
Premiums Misquoted
Compromised Settlement/Resol.
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-10-201802-16-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO CASUALTY COMPANY01-10-201802-08-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY01-10-201801-24-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
RENO SPARKS CAB COMPANY01-10-201801-22-2018Private PassengerLiabilityClaim HandlingDenial of ClaimNo Jurisdiction
CSAA General Insurance Company01-10-201802-16-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY01-10-201802-02-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
USAA GENERAL INDEMNITY COMPANY01-11-201803-02-2018Private PassengerLiabilityClaim HandlingSubrogationCompany Position Upheld
No Further Action Req/Rqd
GEICO Choice Insurance Company01-11-201801-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
USAA GENERAL INDEMNITY COMPANY01-11-201803-08-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-11-201803-29-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY01-11-201801-12-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
PROGRESSIVE NORTHERN INSURANCE COMPANY01-11-201801-29-2018Private PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
GEICO Choice Insurance Company01-12-201801-17-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
GEICO GENERAL INSURANCE COMPANY01-12-201802-05-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
CSAA General Insurance Company01-12-201803-08-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
21ST CENTURY ASSURANCE COMPANY01-12-201802-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ACCEPTANCE INS AGENCY OF TENNESSEE INC
GEICO Advantage Insurance Company
MENDAKOTA INSURANCE COMPANY
01-12-201801-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Company Position Upheld
Company Position Upheld
FARMERS INSURANCE EXCHANGE01-12-201802-09-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
HENDRIX INSURANCE, L.L.C.
HENRY, LISA ANN
PROGRESSIVE NORTHERN INSURANCE COMPANY
01-12-201802-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
No Further Action Req/Rqd
STANDARD FIRE INSURANCE COMPANY (THE)01-13-201802-06-2018Private PassengerLiabilityClaim HandlingDelay
Denial of Claim
Referred for Disciplinary Act.
GEICO Choice Insurance Company01-13-201801-29-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
Hasson, Cheryl A
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
01-14-201803-08-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY
FIRST CLASS INSURANCE SERVICES INC
01-16-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
No Further Action Req/Rqd
MERCURY CASUALTY COMPANY01-16-201802-14-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY01-17-201802-23-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY01-17-201803-02-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
KEY INSURANCE COMPANY01-17-201803-05-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
DIVISION OF INSURANCE01-17-201801-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionInsufficient Information
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-18-201803-05-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
KEY INSURANCE COMPANY01-18-201803-05-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
FARMERS INSURANCE EXCHANGE01-18-201801-31-2018Private PassengerLiabilityPolicyholder ServiceCoverage Question
Premium Refund
Company Position Upheld
GEICO Advantage Insurance Company01-18-201802-27-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-19-201803-01-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
STATE FARM FIRE & CASUALTY COMPANY01-22-201802-28-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
LIBERTY MUTUAL FIRE INSURANCE COMPANY01-22-201803-05-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
AMERICAN ACCESS CASUALTY COMPANY
GOMEZ ENTERPRISE GROUP INC
01-22-201803-13-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
No Further Action Req/Rqd
USAA CASUALTY INSURANCE COMPANY01-22-201803-05-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferClaim Settled
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-23-201802-02-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
HANSEN & HANSEN AGENCY INC
KEY INSURANCE COMPANY
01-23-201803-13-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
COUNTRY PREFERRED INSURANCE COMPANY
EVANS, BRIDGET MARIE
01-23-201802-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
No Further Action Req/Rqd
NEVADA DIVISION OF INSURANCE01-23-201801-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionInsufficient Information
COAST NATIONAL INSURANCE COMPANY01-23-201803-12-2018Private PassengerLiabilityClaim HandlingDenial of Claim
Unsatisfactory Settle Offer
Company Position Upheld
GEICO Advantage Insurance Company01-23-201802-09-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
LM GENERAL INSURANCE COMPANY01-23-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Compromised Settlement/Resol.
STATE FARM FIRE & CASUALTY COMPANY01-24-201803-05-2018Private PassengerLiabilityClaim HandlingDenial of ClaimClaim Settled
ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY01-24-201803-19-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ALLSTATE INDEMNITY COMPANY01-24-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-24-201803-05-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ABCEDE INSURANCE AGENCY LLC
SHELTER MUTUAL INSURANCE COMPANY
01-24-201802-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
No Further Action Req/Rqd
DUFFIELD, ROXANNE
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
01-24-201802-26-2018Private PassengerLiabilityMarketing & Sales
Policyholder Service
Coverage Question
Failure to Submit Application
Compromised Settlement/Resol.
No Further Action Req/Rqd
NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA01-25-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
FAMILY INSURANCE STORE INC (THE)
PROGRESSIVE NORTHERN INSURANCE COMPANY
01-25-201803-08-2018Private PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
GEICO CASUALTY COMPANY01-25-201803-12-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-26-201802-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
GEICO Advantage Insurance Company01-26-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Advantage Insurance Company01-26-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
UNITED AUTOMOBILE INSURANCE CO01-27-201803-12-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
GEICO CASUALTY COMPANY01-27-201803-12-2018Private PassengerLiabilityClaim HandlingComparitive NegligenceCompany Position Upheld
GEICO CASUALTY COMPANY01-27-201803-13-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
CSAA General Insurance Company01-28-201802-16-2018Private PassengerLiabilityClaim HandlingAdjuster Handling
Delay
Compromised Settlement/Resol.
METROPOLITAN DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY01-29-201802-07-2018Private PassengerLiabilityClaim HandlingAdjuster Handling
Delay
No Jurisdiction
Referred to Proper Agency
GEICO Secure Insurance Company01-29-201802-15-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY01-29-201803-19-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferClaim Settled
GEICO COUNTY MUTUAL INSURANCE COMPANY
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
01-29-201803-20-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
No Jurisdiction
ALLSTATE INDEMNITY COMPANY
KWAN, YUKIN
01-29-201803-14-2018Private PassengerLiabilityMarketing & SalesFraud/ForgeryNo Further Action Req/Rqd
HARTFORD INSURANCE COMPANY OF THE MIDWEST01-30-201803-21-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY01-30-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO CASUALTY COMPANY01-30-201803-07-2018Private PassengerLiabilityUnderwritingPremium & RatingCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-31-201802-21-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-31-201803-08-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Dragos, Valentin
KEY INSURANCE COMPANY
LIBERTY CHOICE INSURANCE, LLC
01-30-201803-02-2018Private PassengerLiabilityMarketing & Sales
Policyholder Service
Coverage Question
Fraud/Forgery
High Pressure Tactics
Misrepresentation
Other Violation of Ins Law
Compromised Settlement/Resol.
No Further Action Req/Rqd
Referred to Proper Agency
NATIONAL GENERAL INSURANCE COMPANY01-31-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
CSAA General Insurance Company01-31-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-31-201802-15-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
ARRINGTON, WILLIAM S
CORBETT, DOTTY LYNN
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
01-31-201803-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage Question
Surrender Problems
Compromised Settlement/Resol.
No Further Action Req/Rqd
No Further Action Req/Rqd
CSAA Insurance Exchange01-31-201803-07-2018Private PassengerLiabilityPolicyholder Service
Underwriting
Coverage Question
State Specific
Compromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-31-201803-12-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY02-01-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
STATE FARM FIRE & CASUALTY COMPANY02-01-201803-08-2018Private PassengerLiabilityPolicyholder ServicePremium RefundCompromised Settlement/Resol.
AMERICAN ACCESS CASUALTY COMPANY02-01-201802-26-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
CSAA General Insurance Company02-01-201803-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
LM GENERAL INSURANCE COMPANY02-01-201802-16-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
GEICO Choice Insurance Company01-29-201802-14-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
ALLSTATE INDEMNITY COMPANY02-01-201802-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
DRAKE, CAROL S
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
02-02-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
GOMEZ ENTERPRISE GROUP INC02-02-201802-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionComplaint Withdrawn
LM GENERAL INSURANCE COMPANY02-02-201802-06-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA02-02-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY02-02-201802-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
COUNTRY PREFERRED INSURANCE COMPANY
HERZBERG, ERIC GORDON
02-02-201803-01-2018Private PassengerLiabilityPolicyholder Service
Underwriting
Coverage Question
State Specific
No Further Action Req/Rqd
No Further Action Req/Rqd
LIBERTY MUTUAL FIRE INSURANCE COMPANY02-04-201803-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
GEICO Advantage Insurance Company02-05-201803-02-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
American Family Mutual Insurance Company, S.I.02-02-201803-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
CSAA General Insurance Company02-05-201802-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
FARMERS INSURANCE EXCHANGE02-05-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE NORTHERN INSURANCE COMPANY02-06-201802-21-2018Private PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
PROGRESSIVE DIRECT INSURANCE COMPANY02-06-201803-16-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-06-201803-14-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
GEICO Choice Insurance Company02-07-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-07-201802-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
HARTFORD INSURANCE COMPANY OF THE MIDWEST02-07-201803-08-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
GEICO Choice Insurance Company02-08-201802-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
MID-CENTURY INSURANCE COMPANY02-08-201802-22-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY02-08-201802-12-2018Private PassengerLiabilityPolicyholder ServiceState SpecificComplaint Withdrawn
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY02-08-201803-30-2018Private PassengerLiabilityPolicyholder ServicePremium Notice/BillingCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-08-201803-02-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY02-08-201803-14-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
No Further Action Req/Rqd
COUNTRY CASUALTY INSURANCE COMPANY
HARUTYUNYAN, GEVORG
02-08-201803-13-2018Private PassengerLiabilityPolicyholder ServiceCoverage Question
Surrender Problems
Compromised Settlement/Resol.
No Further Action Req/Rqd
GEICO Advantage Insurance Company02-08-201802-27-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Choice Insurance Company02-09-201803-02-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
PROGRESSIVE NORTHERN INSURANCE COMPANY02-09-201803-14-2018Private PassengerLiabilityClaim HandlingDenial of ClaimNo Further Action Req/Rqd
No Jurisdiction
CSAA General Insurance Company
KOLIAS, JOHN E
02-09-201803-21-2018Private PassengerLiabilityMarketing & Sales
Underwriting
Misrepresentation
Premium & Rating
Company Position Upheld
Company Position Upheld
AMERICAN ACCESS CASUALTY COMPANY02-09-201802-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
GEICO GENERAL INSURANCE COMPANY02-09-201803-02-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
GEICO Advantage Insurance Company02-09-201802-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY02-10-201803-20-2018Private PassengerLiabilityUnderwritingRefusal to InsureCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY02-11-201803-26-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY02-12-201803-12-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
METROPOLITAN GROUP PROPERTY & CASUALTY INSURANCE COMPANY02-12-201803-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
GEICO CASUALTY COMPANY02-13-201802-23-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
DIMOPOULOS ESQ, STEVE02-13-201802-22-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
MENDOTA INSURANCE COMPANY02-13-201803-16-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
No Further Action Req/Rqd
PHOENIX INSURANCE COMPANY (THE)02-14-201802-16-2018Private PassengerLiabilityClaim HandlingDenial of ClaimState Specific
GEICO INDEMNITY COMPANY02-14-201803-02-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
MID-CENTURY INSURANCE COMPANY02-14-201803-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY02-14-201802-27-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
METROPOLITAN GROUP PROPERTY & CASUALTY INSURANCE COMPANY02-15-201803-16-2018Private PassengerLiabilityClaim HandlingDenial of ClaimNo Jurisdiction
PROGRESSIVE PREFERRED INSURANCE COMPANY02-19-201803-27-2018Private PassengerLiabilityClaim HandlingComparitive Negligence
Delay
Company Position Upheld
ARCHULETA, ROBIN DALE
PROGRESSIVE SPECIALTY INSURANCE COMPANY
02-20-201802-22-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionComplaint Withdrawn
VIKING INSURANCE COMPANY OF WISCONSIN02-20-201802-27-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
AMICA MUTUAL INSURANCE COMPANY02-20-201803-02-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-22-201803-13-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
FARMERS INSURANCE EXCHANGE02-22-201803-23-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY02-22-201803-23-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
GEICO INDEMNITY COMPANY02-23-201803-23-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
SAFECO INSURANCE COMPANY OF ILLINOIS02-23-201803-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-26-201803-29-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
PROGRESSIVE DIRECT INSURANCE COMPANY02-26-201803-29-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
MATALLANA ENTERPRISES LLC
MENDOTA INSURANCE COMPANY
02-27-201803-30-2018Private PassengerLiabilityPolicyholder Service
Underwriting
Cancellation
Coverage Question
Company Position Overturned
Company Position Overturned
CSAA General Insurance Company02-28-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
GEICO CASUALTY COMPANY02-28-201803-09-2018Private PassengerLiabilityClaim HandlingDelay
Subrogation
Compromised Settlement/Resol.
COAST NATIONAL INSURANCE COMPANY02-28-201803-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
HARTFORD INSURANCE COMPANY OF THE MIDWEST03-01-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ALLSTATE INDEMNITY COMPANY
VEGA, JAMES ELLIOT
03-04-201803-13-2018Private PassengerLiabilityPolicyholder ServiceAbusive Service
Premium Refund
Compromised Settlement/Resol.
GEICO CASUALTY COMPANY03-05-201803-15-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
GEICO Advantage Insurance Company03-05-201803-29-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM GENERAL INSURANCE COMPANY03-06-201803-21-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionInsufficient Information
GEICO CASUALTY COMPANY03-06-201803-28-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
CSAA General Insurance Company03-08-201803-14-2018Private PassengerLiabilityClaim HandlingDelayComplaint Withdrawn
LOYA INSURANCE COMPANY03-09-201803-27-2018Private PassengerLiabilityClaim HandlingAdjuster Handling
Delay
Unsatisfactory Settle Offer
No Further Action Req/Rqd
NEVADA DIVISION OF INSURANCE03-09-201803-19-2018Private PassengerLiabilityPolicyholder ServicePremium Notice/BillingInsufficient Information
AMERICAN ACCESS CASUALTY COMPANY03-09-201803-16-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
CSAA General Insurance Company03-14-201803-16-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
CSAA General Insurance Company03-14-201803-15-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
SAFECO INSURANCE COMPANY OF AMERICA03-14-201803-16-2018Private PassengerLiabilityClaim HandlingDelayComplaint Withdrawn
COUNTRY MUTUAL INSURANCE COMPANY03-15-201803-19-2018Private PassengerLiabilityClaim HandlingDenial of Claim
Unsatisfactory Settle Offer
No Further Action Req/Rqd
TEACHERS INSURANCE COMPANY03-16-201803-30-2018Private PassengerLiabilityUnderwritingNonrenewalCompany Position Upheld
NATIONWIDE MUTUAL INSURANCE COMPANY03-19-201803-19-2018Private PassengerLiabilityClaim HandlingDenial of ClaimContract Provision
No Further Action Req/Rqd
TRUMBULL INSURANCE COMPANY03-21-201803-26-2018Private PassengerLiabilityPolicyholder ServicePremium Notice/Billing
Premium Refund
No Jurisdiction
COUNTRY CASUALTY INSURANCE COMPANY
MC FALL, JANET W
03-26-201803-29-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
No Further Action Req/Rqd
NATIONAL DIRECT INSURANCE COMPANY03-27-201803-29-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
UNITED FINANCIAL CASUALTY COMPANY02-06-201803-26-2018Private PassengerLiability,Collision,Medical PaymentsClaim HandlingDenial of ClaimCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY01-10-201803-27-2018Private PassengerPhysical DamageClaim HandlingDelayCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY01-29-201803-19-2018Private PassengerRental ReimbursementClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
GEICO Advantage Insurance Company01-11-201801-23-2018Private PassengerUn/Under Insured MotoristPolicyholder ServiceState SpecificNo Further Action Req/Rqd
STATE FARM FIRE & CASUALTY COMPANY01-10-201802-12-2018Private PassengerClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
DIVISION OF INSURANCE02-12-201802-12-2018Private PassengerClaim HandlingState SpecificInsufficient Information

Bear in mind, customer complaints are often an indicator of overall customer satisfaction, so this should be one of many factors you take into account when choosing a car insurance carrier.

Time to dive into car insurance rates by provider!

—Nevada Car Insurance Rates by Provider

CompanyAverageCompared to State Average 
Allstate F&C$5,372.21$571.1710.63%
American Family Mutual$5,439.95$638.9211.74%
Mid-Century Ins Co$5,589.91$788.8714.11%
GEICO Cas$3,660.03-$1,141.00-31.17%
Safeco Ins Co of IL$6,209.68$1,408.6422.68%
Depositors Insurance$3,474.93-$1,326.10-38.16%
Progressive Direct$4,048.92-$752.12-18.58%
State Farm Mutual Auto$5,792.85$991.8117.12%
Travelers Home & Marine Ins Co$5,349.64$548.6010.25%
USAA$3,072.26-$1,728.78-56.27%

Of course, rates are probably the first thing you think of when determining whether a car insurance carrier is right for you. The table above shows 10 of the top Nevada car insurance companies, including their average rates against the state average.

Our researchers discovered that Safeco charges the highest annual premiums and USAA the lowest. If you pay close attention, you’ll notice there’s an over $3,000 annual rate difference between the two!

—Commute Rates

GroupCommute and Annual MileageAnnual Average
Allstate10 miles commute. 6000 annual mileage.$5,372.21
Allstate25 miles commute. 12000 annual mileage.$5,372.21
American Family10 miles commute. 6000 annual mileage.$5,365.30
American Family25 miles commute. 12000 annual mileage.$5,514.60
Farmers10 miles commute. 6000 annual mileage.$5,589.91
Farmers25 miles commute. 12000 annual mileage.$5,589.91
GEICO10 miles commute. 6000 annual mileage.$3,595.74
GEICO25 miles commute. 12000 annual mileage.$3,724.32
Liberty Mutual10 miles commute. 6000 annual mileage.$6,209.68
Liberty Mutual25 miles commute. 12000 annual mileage.$6,209.68
Nationwide10 miles commute. 6000 annual mileage.$3,474.93
Nationwide25 miles commute. 12000 annual mileage.$3,474.93
Progressive10 miles commute. 6000 annual mileage.$4,048.92
Progressive25 miles commute. 12000 annual mileage.$4,048.92
State Farm10 miles commute. 6000 annual mileage.$5,620.99
State Farm25 miles commute. 12000 annual mileage.$5,964.71
Travelers10 miles commute. 6000 annual mileage.$5,349.64
Travelers25 miles commute. 12000 annual mileage.$5,349.64
USAA10 miles commute. 6000 annual mileage.$3,031.47
USAA25 miles commute. 12000 annual mileage.$3,113.04

As you can see in the table above, some, but not all, providers adjust your Nevada car insurance rates based on the commute. For instance, companies like Farmers and Liberty Mutual charged insureds with both 10 and 25-mile commutes the exact same rates.

However, carriers like State Farm show an over $300 rate differences for insured individuals with 10 vs. 25-mile commutes. Pretty interesting, right?

—Coverage Level Rates (***NEEDS TABLE**)

—Credit History Rates (***NEEDS TABLE**)

The fact of the matter is, except for a handful of states where the practice is illegal, most states (including Nevada) let car insurance companies factor your credit history into the picture when determining rates. A study conducted by Experian discovered that the average Nevada resident has a VantageScore of 655 with approximately 3.18 credit cards to their name and a balance of $6,401.

If you have tons of credit card debt building up, insurance companies typically see this as a sign that you might not be so likely to pay your monthly car insurance bill on time. Therefore, a bad credit score often translates to high car insurance rates.

The good news is, by practicing healthy credit card usage habits, not spending more than you can pay off in any given month, and paying your bill on time, you can increase the likelihood of getting better rates considerably.

Alright, now it’s time to see how top Nevada car insurance companies assess insureds’ rates based on their driving record. Let’s jump into it!

—Driving Record Rates

GroupDriving RecordAnnual Average
AllstateWith 1 DUI$6,436.49
AllstateWith 1 accident$5,357.99
AllstateWith 1 speeding violation$5,142.85
AllstateClean record$4,551.49
American FamilyWith 1 DUI$6,522.19
American FamilyWith 1 accident$6,061.79
American FamilyWith 1 speeding violation$4,801.28
American FamilyClean record$4,374.55
FarmersWith 1 DUI$6,162.80
FarmersWith 1 accident$5,942.38
FarmersWith 1 speeding violation$5,599.97
FarmersClean record$4,654.50
GEICOWith 1 DUI$4,929.65
GEICOWith 1 accident$4,081.33
GEICOWith 1 speeding violation$3,104.75
GEICOClean record$2,524.40
Liberty MutualWith 1 DUI$7,295.91
Liberty MutualWith 1 accident$7,257.65
Liberty MutualWith 1 speeding violation$5,751.46
Liberty MutualClean record$4,533.69
NationwideWith 1 DUI$4,476.45
NationwideWith 1 accident$3,586.11
NationwideWith 1 speeding violation$3,048.57
NationwideClean record$2,788.60
ProgressiveWith 1 DUI$4,249.70
ProgressiveWith 1 accident$4,642.62
ProgressiveWith 1 speeding violation$3,929.54
ProgressiveClean record$3,373.82
State FarmWith 1 DUI$5,792.84
State FarmWith 1 accident$6,323.66
State FarmWith 1 speeding violation$5,792.84
State FarmClean record$5,262.04
TravelersWith 1 DUI$7,262.46
TravelersWith 1 accident$5,704.83
TravelersWith 1 speeding violation$4,604.96
TravelersClean record$3,826.30
USAAWith 1 DUI$4,348.40
USAAWith 1 accident$2,951.67
USAAWith 1 speeding violation$2,646.40
USAAClean record$2,342.56

Your driving record is another major factor Nevada car insurance companies take into account when assessing your rates. That said, the disparity in rates between a clean record vs. something like a DUI really depends on the insurance company.

Take Travelers and USAA for example. Travelers has an approximately $3,400 rate gap for insured drivers with a clean record vs. a DUI. On the other hand, USAA charges drivers with one DUI on their record about $2,000 more per year than individuals with a clean record.

This video explains the effects of your driving record on your insurance rates in greater detail. Check it out!

Time to delve into the 10 largest car insurance companies in Nevada, including key stats regarding their written premiums, loss ratio, and market share.

—The 10 Largest Car Insurance Companies in Nevada

Company NameDirect Premiums WrittenLoss RatioMarket Share
State Farm Group$451,33080.27%19.06%
GEICO$333,58480.44%14.09%
Progressive Group$236,95264.05%10.01%
Allstate Insurance Group$214,39459.62%9.05%
Farmers Insurance Group$207,96963.14%8.78%
USAA Group$140,66079.65%5.94%
Liberty Mutual Group$128,20080.86%5.41%
CSAA Insurance Group$117,96466.05%4.98%
American Family Insurance Group$69,91374.88%2.95%
Hartford Fire & Casualty Group$53,16879.29%2.24%

—Number of Car Insurance Providers in Nevada

Property & Casualty InsuranceTotals
Domestic9
Foreign873
Total882

Driving Laws in Nevada

Besides finding the best coverage and affordable Nevada car insurance carrier rates, understanding the driving laws is your state is critical to stay safe whenever you get behind the wheel.

Time to get down to business.

—Nevada’s Car Insurance Laws

As of July 1, 2018, all Nevada drivers are required to carry the minimum liability coverage amounts of 25/50/20 as opposed to the liability insurance amounts that had been authorized for the three decades prior of 15/30/10. Current Nevada car insurance laws also prohibit the use of handheld devices as well as texting while driving.

Ready to learn all about key car insurance laws in your state? Let’s go!

—High-Risk Insurance

If your driving record is less than stellar from numerous violations such as accidents or traffic citations, you might find it difficult to obtain auto insurance coverage. At the very least, you’ll probably find yourself facing some pretty steep rate options. If this situation describes you, you might qualify for high-risk insurance.

A number of states have high-risk insurance programs for drivers and Nevada is no exception. Nevada’s high-risk pool for drivers is known as the Western Association Automobile lnsurance Plan.

High-risk plans typically assign you an insurer, rather than you being able to pick your own company. What’s more, you must meet certain eligibility requirements in order to even qualify for a high-risk auto insurance plan. Visit the Nevada Western Association Automobile Insurance Plan’s website for more information.

—Low-Cost Insurance

A handful of states offer low-cost insurance through special government programs to individuals who meet a certain income threshold, are on disability, and/or meet particular qualifying factors. However, Nevada does not offer any such program at this time.

—Windshield Coverage

A number of U.S. states require a waived deductible for windshield repairs, while some only allow you to use manufacturer replacement parts. However, Nevada does not have any laws specific to windshields. Just be aware, that while insurers may not require you to hire a particular repair shop, you might have to make up the difference cost-wise.

If you want your vehicle to have windshield coverage, be sure to purchase comprehensive coverage when selecting your Nevada car insurance policy. See how different carriers handle potential windshield claims to see which suits your driver needs best.

—Automobile Insurance Fraud in Nevada

Check out the video above for an explanation of automobile insurance fraud in Nevada and what your legal options are in the event of such a charge.

In the state of Nevada, automobile insurance fraud is considered a Category D felony, with penalties including up to four years imprisonment and fines up to $5,000. If convicted, individuals may also be required to pay restitution to the victimized party or entity.

Insurance fraud is typically when someone files an untrue or exaggerated claim with their insurance company in order to receive benefits or payouts. Here’s a quick overview of actions that are considered insurance fraud in the state of Nevada under the Nevada Code section 686A.2815:

  • Offering a statement to an insurer that you know hides or leaves out certain facts, or includes untrue or deceptive information about any matter pertinent to an insurance policy being issued
  • Offering a statement to receive a payout or other insurance benefit that you know hides or leaves out certain facts, or includes untrue or deceptive information about any matter pertinent to that claim
  • Helping, engaging, or plotting with another individual to make a false or deceptive statement to an insurance company in order to make a payment claim, have a policy issued, or receive some other type of benefit
  • Knowingly and willfully acting with the intention of misleading or defrauding an insurance company to receive a policy or type of benefit under the policy
  • Willingly accepting an insurance policy benefit while knowing that the benefit was issued due to a deceptive or false statement or act as mentioned previously

The good news is, if you don’t commit insurance fraud, you’ve got nothing to worry about!

—Statute of Limitations

Each state has a set statute of limitations or the length of time you have to file a lawsuit. Bear in mind, the statute of limitations is not the time frame in which you must file an insurance claim with your Nevada car insurance carrier if you get into an accident. If you ever are involved in an auto collision, most insurance companies will require you to file a claim within a reasonable period, usually within a few days or weeks of the event.

In the state of Nevada, the statute of limitations for auto accident injuries is two years. If you get into an auto accident caused by another driver and sustain injuries as a result, you have two years from the date of the collision to file with the courts.

The same goes for a wrongful death personal injury case related to an auto accident. If someone is killed as the result of an auto collision, their family has two years in which to sue on their behalf.

The statute of limitations for civil suits related to property damage sustained in an auto crash is three years. This means that if you get into an auto accident caused by someone else’s negligent driving and your car is damaged as a result, you have three years from the date of the accident to file your claim.

—Nevada’s Modified Comparative Negligence Rule

Not all car accident cases are created equal. There are some instances where the fault may clearly lie with one party and others where both parties may bear a portion of the fault. This is where Nevada’s modified comparative negligence rule comes into play. These laws help parties reach a fair settlement that is equitable for everyone involved.

Modified comparative negligence assesses liability to the parties who bear the most fault in a collision. Under Nevada Revised Statute 41.141, bearing a modicum of fault in an auto accident doesn’t necessarily inhibit you from receiving a certain amount of damages in a personal injury matter.

Based on this law, you can still be awarded damages even if you were partially responsible for causing the accident. If you are 50 percent or less at fault for the accident, you can still recover damages. However, if you are over 50 percent at fault for the accident, you will not be able to recover any damages.

Under Nevada’s modified comparative negligence rule, the amount of damages you are awarded would be reduced by the percentage of fault you are allocated for the accident. For instance, if you are 30 percent at fault, you can still receive 70 percent of your awarded damages. So, if your total awarded damages are $100,000, you would receive $70,000.

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—Nevada’s Vehicle Licensing Laws

Ready to learn about Nevada’s vehicle licensing laws? It is essential to know and understand these laws to ensure you comply with current regulations and stay safe on the road.

Let’s take a closer look…

—Penalties for Driving Without Insurance

It is illegal to drive in Nevada without current auto insurance. The penalties you can expect to pay for driving uninsured range between $250 and $1,000, depending on the length of the coverage lapse. Other penalties include revocation of your driver’s license, with reinstatement fees between $250 and $750.

The Nevada DMV’s LIVE (Liability Insurance Validation Electronically) system is a valuable tool authorities and law enforcement officials use to identify if a driver is in compliance with insurance regulations in real time. So, if you are pulled over and the responding officer asks you for proof of insurance, he or she can compare your insurance ID against the LIVE system to confirm everything is current.

Acceptable proof of insurance forms are:

  • A valid insurance ID card
  • The declarations page of your vehicle’s current insurance policy
  • You may also provide this information electronically via your mobile device as long as it includes all the necessary details named in the prior documents and is readable

Long story short, you don’t want to be caught without insurance.

Nevada has various penalty levels based on the length of your coverage lapse. Within the initial 30 days of a coverage lapse, your license will be suspended but no fines would be incurred.

For coverage lapses between 31-90 days, you will incur a $250 fine. For coverage lapses between 91-180 days, you will be fined $500. The fine for drivers who have been driving 181 days or longer without insurance is $1,000. In addition to these fines, their driver’s license will be revoked until proof of insurance is provided to the Nevada DMV.

If you are charged for having a coverage lapse beyond 91 days, your insurer will be required to file an SR-22 form to have your license reinstated. This means that your insurance premiums will be raised, and the SR-22 will remain on your driving record for at least three years.

—Teen Driver Laws

To obtain your learner’s license in the state of Nevada, you must be at least 15 years and 6 months of age. In order for teen drivers to obtain a license or restricted license, you will need to:

  • Hold your learner’s license at least 6 months
  • Complete at least 50 hours of supervised driving time, 10 of which need to be at night
  • Be at least 16 years old

Restrictions during the intermediate or restricted license period include:

  • You may not drive between the hours of 10 P.M. and 5 A.M.
  • Passenger restrictions include only being able to transport family members, with no passenger being under the age of 18

To have these restrictions lifted, you must:

  • Be at least 18 years old to have the nighttime restrictions lifted
  • You must hold your intermediate license or be at least 18 years old to have passenger restrictions lifted (whichever comes first), but must be no younger than 16 years and 6 months of age

—Older Driver and General Population License Renewal Procedure

Here’s what you need to know about the older driver and general population license renewal procedures in the state of Nevada.

For older drivers, you must:

  • Renew every 4 years if you are 65 or older
  • Provide proof of adequate vision at every renewal if age 71 or older
  • Both mail and online renewals are permitted every other renewal if you are 65 or older

For the general population, you must:

  • Renew every 8 years (up until 2018, renewal was once every 4 years for individuals with odd number birth years and once every 8 years for individuals with even number birth years)
  • Provide proof of adequate vision if renewing in person
  • Both mail and online renewals are permitted, but only if you hold a 4-year license

—New Residents

If you’re getting ready to move to The Silver State, here’s what you need to know about licensing laws for new residents in Nevada.

Upon applying for your Nevada driver’s license, you must provide:

  • Proof of Identity
  • Proof of Name Change (if applicable)
  • Proof of Social Security Number
  • Proof of Nevada Residential Address
  • Application for Driving Privileges or ID Card

All documents must be original or certified copies issued in the U.S., saving for foreign passports.

For the lists of documents accepted for the above, visit the Nevada Department of Motor Vehicles Residency and Proof of Identity guide here.

—Negligent Operator Treatment System

In the majority of scenarios, a “reckless driving” charge in Nevada constitutes a misdemeanor. That said, the penalties you could incur for such a charge are based on the offense you are ultimately convicted of.

Reckless driving is defined as:

  • Driving in a heedless and willful manner without regard for the well being of others or property
  • Street racing
  • Refusing to yield to or avoiding a law enforcement officer

Additional traffic violations that could lead to a charge of reckless driving if the act led to an auto accident with a cyclist or pedestrian include:

  • Driving without caution or care with regards to cyclists and pedestrians
  • Not yielding to a pedestrian at the crosswalk
  • Disregarding a school crossing guard’s directions
  • Driving above 15 mph or making a U-turn within a school zone when school is still in session
  • Speeding

For the first kind of reckless driving mentioned, involving a willful disregard for the safety of others and their property, potential penalties are:

  • First conviction: Up to six months of jail time and/or between $250 and $1,000 fines
  • Second conviction: Up to six months of jail time and/or between $1,000 and $1,500 fines
  • Third conviction: Up to six months of jail time and/or $1,500 and $2,000 fines

In addition to these penalties, drivers will receive eight demerit points on their driving record. If you receive 12 or more points over the course of a year, this will result in a suspension of your license for six months.

For the additional driving violations that fall under reckless behavior, potential penalties are:

  • First conviction: Up to six months of jail time, $250 to $1,000 fines, and between 50 and 99 community service hours
  • Second conviction: Up to six months of jail time, $1,000 to $1,500 fines, and between 100 and 199 community service hours
  • Third conviction: Up to six months of jail time, $1,500 to $2,000 fines, and 200 community service hours

Besides these penalties, drivers will also have their license suspended for anywhere from six months to two years. It is up to the judge’s discretion to request that the driver’s vehicle be impounded for 15 days for a first conviction and 30 days for any following convictions.

—Nevada’s Rules of the Road

Now that you have a thorough understanding of Nevada’s vehicle licensing laws, it’s time to delve into the state’s essential rules of the road.

Let’s get things underway!

—Fault vs. No-Fault

Nevada is a “fault” state, which means that the person who causes an auto collision is responsible for covering the damages incurred as a result, such as medical bills, lost wages, etc. The at-fault party’s insurance carrier will cover these damages until policy limits are exhausted.

Remember, if you are at fault for a collision, your personal assets could be in danger once your Nevada car insurance carrier’s policy limits are exhausted. This is why it is wise to consider carrying coverages above the state minimum to ensure you are fully protected.

—Keep Right and Move Over Laws

Under Nevada Revised Statutes 484B.200, drivers should keep right if driving slower than the average speed of traffic around them.

Nevada Revised Statutes 484B.267 requires drivers to yield the right of way to emergency vehicles or official vehicles with flashing lights by driving parallel to, or as near as possible to, the right curb or edge of the roadway. When yielding to an emergency vehicle, drivers should stay in this position until the emergency vehicle or official vehicle has gone by, unless directed to do otherwise by law enforcement.

—Speed Limits

The speed limit on rural interstates in Nevada is 80 mph, but 65 mph for urban interstates. Drivers should adhere to the speed limit of 70 mph on other limited access roads and other roads.

—Seat Belt and Carseat Laws

All children 6 years and older must be restrained by a safety belt. Violations incur a fine of $25 for first-time offenders.

Children 5 years and younger and weighing 60 pounds or less must be restrained in a child safety seat. An adult belt is not allowed. The maximum fine for first-time offenders is $500.

Nevada laws place restrictions on who may ride in the cargo area of pickup trucks. Exempt individuals must be 18 years of age or older. If younger than 18, riding in a cargo area is authorized if the vehicle is used for ranching or farming or is being driven in an authorized parade. Oher exemptions include when the vehicle is operated on an unpaved road or passengers are enclosed in the cargo area by a camper shell.

—Ridesharing

Nevada Revised Statutes Chapter 706A encompasses ridesharing laws in the state, overseeing companies like Lyft and Uber. Rideshare services typically require all their drivers to carry personal policies at or above the state minimum for liability coverage.

While rideshare drivers seldom purchase an individual commercial insurance policy, companies like Uber offer $1 million in liability coverage for drivers. In fact, the majority of rideshare companies maintain insurance way above the state minimum, which is good news for everyone involved.

—Automation on the Road

Nevada has currently authorized the deployment of autonomous vehicles. Liability insurance is required for all autonomous vehicle drivers. Nevada Revised Statutes Chapter 482A governs the regulation of autonomous vehicles in the state.

Whether or not autonomous vehicle operators must be licensed or in the vehicle is dependant on the vehicle’s level of automation.

—Nevada’s Safety Laws

By now, you’ll have realized that there’s way more involved in staying safe on the road than just choosing the right car insurance provider. At this point, we’re going to walk you through Nevada’s safety laws to help you keep all the drivers in your family protected behind the wheel.

—DUI Laws

Check out the video above regarding recent DUI legislation in the state of Nevada. To find out key information about Nevada’s DUI laws, take a look at the data we’ve gathered below.

Nevada's DUI LawsInfo
BAC Limit0.08
High BAC Limit0.18
Criminal Status by Offense1st-2nd are misdemeanors. The 3rd+ in 7 years are category B felonies.
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back Period/Washout Period7 years
1st Offense-ALS or Revocation90 days. Eligible for a restricted license after half of revocation period.
1st Offense-Imprisonment2 days - 6 months OR 96 hours of community service.
1st Offense-Fine$400-$1000
1st Offense-OtherSR-22 for three years, pay $150 for DUI school, and may be ordered to attend treatment program.
2nd Offense-DL Revocation1 year. Not eligible for restricted license.
2nd Offense-Imprisonment10 days to 6 months of jail or residential confinement.
2nd Offense-Fine$750-$1000
2nd Offense-OtherPossible vehicle registration suspension. May be ordered to attend treatment program or be placed under clinical supervision of a treatment facility for up to one year.
3rd Offense-DL RevocationIf 3rd in 7 years: 3 years. Restricted license may be issued.
3rd Offense-ImprisonmentIf 3rd in 7 years: 1-6 years.
3rd Offense-FineIf 3rd in 7 years: $2000-$5000.
3rd Offense-OtherPossible vehicle registration suspension. May be ordered to attend a program of treatment for 3 years minimum.
4th Offense-DL RevocationIf 4th in 7 years, same as for 3rd.
Mandatory InterlockAll offenders

—Marijuana-Impaired Driving Laws

Marijuana possession or consumption is one of the most frequent drug offenses in the state of Nevada. If you are arrested for a DUI, the responding officer has the right to ask for a blood test if he believes marijuana impairment was at play. The metabolites in marijuana stay in a person’s bloodstream far longer than other types of drugs.

Nevada DUI legislation bars drivers from getting behind the wheel if they have a discernable amount of marijuana or the drug’s metabolites in their blood over the legal threshold. Nevada Revised Statute Section 484C.110 prohibits drivers who are impaired by alcohol or a controlled substance like marijuana to drive or control a vehicle on public roadways, highways, or premises.

Nevada Revised Statute Section 484C.110(3) states that an individual is unlawfully operating a vehicle while marijuana impaired if they have:

  • Marijuana levels in their urine of at least 10 ng/ml
  • Marijuana levels in their blood of at least 2 ng/ml
  • Marijuana metabolite levels in their urine of at least 15 ng/ml
  • Marijuana metabolite levels in their blood of at least 5 ng/ml

The use of medical marijuana is permitted in Nevada if doctor-prescribed in specific cases. However, if it is shown that you were impaired by marijuana consumption nonetheless and got behind the wheel, you could still face a DUI conviction. In short, it is not advisable to consume marijuana and get out on the road, or you could open yourself up to serious legal repercussions.

—Distracted Driving Laws

In the state of Nevada, all drivers are prohibited from using hand-held devices while behind the wheel. There is also a texting ban in place for all drivers.

Texting, using the internet, and operating hand-held devices while driving has been illegal in Nevada since 2011. Drivers are permitted to talk on the phone with hands-free devices. Drivers violating Nevada’s distracted driving laws face a $50 fine for the first conviction in seven years, $100 for the following offense, and $250 for all other offenses.

Fines may double if the distracted driving event occurred in a work zone. First offenses are not seen as moving violations. Check out the Nevada DMV’s distracted driving manual for further information.

Nevada Fascinating Facts You Need to Know

Ready for the top fascinating facts all Nevada drivers need to know? We thought so.

Let’s go!

—Vehicle Theft in Nevada

In 2013, there were 6,635 motor vehicle thefts in Las Vegas alone. Check out the FBI’s State Crime Report to see where your city ranks. Below are the top-10 stolen vehicles in the state of Nevada:

Make/ModelYearNumber of Thefts
Honda Accord19961,048
Honda Civic19981,011
Chevrolet Pickup (Full Size)2006377
Ford Pickup (Full Size)2006279
Toyota Camry2015254
Nissan Maxima1997208
Nissan Altima1997207
Nissan Sentra2014200
Toyota Corolla2014151
Dodge Pickup (Full Size)2005148

—Risky/Harmful Driving Behavior

Below are key stats regarding risky driving behaviors in the state of Nevada. You might be surprised by some of these.

—Traffic Fatality Rates by City

City2016 Total Traffic Fatalities2016 Pedestrians KilledPercent of Total Killed2016 Population
Las Vegas City581322.4632,912
Henderson City13430.8292,969
Reno City301240245,255
North Las Vegas City22836.4238,702

—2017 Traffic Fatalities

TypeNumber of Fatalities
Rural Traffic Fatalities79
Urban Traffic Fatalities227

—Fatalities by Person Type

Person TypeNumber
Occupants (Enclosed Vehicles)148
Motorcyclists54
Nonoccupants107

—Fatalities by Crash Type

Crash TypeNumber
Single Vehicle172
Involving a Large Truck37
Involving Speeding95
Involving a Rollover69
Involving a Roadway Departure104
Involving an Intersection105

—Five Year Trend for the Top 10 Counties

CountyFatalities 2013Fatalities 2014Fatalities 2015Fatalities 2016Fatalities 2017
Clark County190174210217208
Washoe County1938375039
Douglas County637511
Elko County7131289
Lyon County612719
Nye County11121169
Churchill County14586
Esmeralda County23534
Carson City55274
Humboldt County310853

—Fatalities Involving Speeding by Top 10 Counties

County NameFatality Totals 2013Fatality Totals 2014Fatality Totals 2015Fatality Totals 2016Fatality Totals 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Carson City240223.727.390.003.683.65
Churchill County031220.0012.564.168.338.25
Clark County74647994693.653.103.744.363.13
Douglas County301226.390.002.114.174.14
Elko County082320.0015.193.865.743.80
Esmerelda County12102117.79242.13120.630.00253.29
Eureka County1000048.780.000.000.000.00
Humboldt County104205.750.0023.4311.850.00
Lander County022100.0033.3833.8517.350.00
Lincoln County2120037.9319.2338.930.000.00

—Fatalities in Crashes Involving an Alcohol-Impaired Driver by Top 10 Counties

County NameFatalities 2013Fatalities 2014Fatalities 2015Fatalities 2016Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Carson City211103.721.851.851.840.00
Churchill County000200.000.000.008.330.00
Clark County64546959623.162.623.272.742.81
Douglas County101122.130.002.112.094.14
Elko County174251.9113.297.713.839.50
Esmeralda County001000.000.00120.630.000.00
Eureka County010000.0050.280.000.000.00
Humboldt County022110.0011.5811.725.935.94
Lander County000110.000.000.0017.3517.57
Lincoln County2100037.9319.230.000.000.00

—Teen Drinking and Driving

Teens and Drunk DrivingInfo
Under 21 Alcohol-Impaired Driving Fatalities Per 100K of the Population1.2
Higher/Lower Than National Average (1.2)Equal
DUI Arrests (Under 18 Years Old)58
DUI Arrests (Under 18 Years Old) Total Per Million People85.62

—EMS Response Time

LocationTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital Arrival
Rural Fatal Crashes5.7621.8854.9569.06
Urban Fatal Crashes1.845.9521.2928.46

—Transportation

Did you know that the average Nevada resident has a commute time of 23.1 minutes? This is actually several minutes shorter than the commute time for the average U.S. employee of 25.3 minutes. That said, approximately 1.92 percent of workers in the state of Nevada have much longer commutes over 90 minutes.

Check out the most recent data revealing average car ownership, commute time, and commuter transportation stats in Nevada!

—Car Ownership

—Commute Time

—Commuter Transportation

—Top Two Cities in Nevada for Traffic Congestion

CityHours Lost in Congestion (2018)Cost of Congestion (Per Driver)Inner City Travel Time (Minutes)
Las Vegas63$8834
Reno52$7243

The table above shows the top two cities in Nevada for traffic congestion based on the INRIX 2018 Global Traffic Scorecard. Not surprising, considering Las Vegas and Reno are Nevada’s first and third most populous cities.

Don’t spend time stuck in traffic worrying about your Nevada car insurance rates.

Start saving today! Get your FREE quote by comparison shopping with our online rate calculator. Enter your zip code below to get started!

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