As a result of Nevada has over 1.8 million drivers on the roads and almost 110,000 sq. miles of desert, having reliable auto insurance coverage is important. That’s as a result of accidents don’t simply occur in main cities. It’s necessary that you simply discover insurers that provide a powerful mixture of complete protection and reasonably priced charges.
We on the Dwelling Media opinions staff have compiled a listing of the finest automobile insurance coverage firms out there to drivers within the Silver State. We’ll clarify every supplier’s price, protection and customer support repute beneath.
Finest Automotive Insurance coverage in Nevada
Based mostly on our industry-wide analysis, State Farm, USAA, Geico, Vacationers and Progressive present one of the best automobile insurance coverage in Nevada. Every firm presents stable insurance coverage coverage choices and reasonably priced automobile insurance coverage charges.
Evaluate Nevada Auto Insurance coverage
There are many auto insurance coverage choices out there for drivers in Nevada, which may make the method of purchasing for automobile insurance coverage overwhelming. To make the method simpler, we’ve analyzed insurance coverage suppliers based mostly on a number of standards, together with these:
- Protection choices
- Coverage options
- Repute
- Common charge information from Quadrant Info Providers
*Our analysis staff considers nationwide elements when ranking suppliers. The rating order of suppliers on this desk is particular to automobile insurance coverage in North Carolina.
Buyer Expertise
To find out the businesses’ rating in areas like buyer satisfaction and repute, we checked out Higher Enterprise Bureau (BBB) rankings, AM Finest monetary power rankings, J.D. Energy shopper research and our nationwide automobile insurance coverage survey, which polled almost 7,000 respondents on general buyer satisfaction.
Finest Automotive Insurance coverage Corporations in Nevada
For many who wish to know extra about one of the best automobile insurance coverage in Nevada, the sections beneath present extra detailed info on our high picks for the Silver State.
#1 State Farm: Editor’s Selection
J.D. Energy ranking: 848/1,000
AM Finest monetary power ranking: A++
BBB ranking: A+
Along with its stellar customer support rankings and low cost packages, State Farm supplies sturdy native protection for drivers in Nevada, with brokers out there in over 20 cities. The supplier’s cell app is rated extremely on Google Play and the App Retailer, making it simple for drivers to pay payments and file claims.
With the best rating in our evaluate of one of the best automobile insurance coverage firms and from J.D. Energy for the Southwest area, State Farm is an efficient selection for Nevada motorists.
Our evaluate staff reached out to State Farm for a touch upon its opinions however didn’t obtain a response.
State Farm Automotive Insurance coverage Protection
Because the nation’s largest automobile insurance coverage supplier, State Farm presents a number of protection choices for drivers. These embody:
State Farm supplies among the finest reductions within the enterprise for teen drivers and younger drivers, providing a pupil low cost of as much as 25%. Teenagers and different high-risk drivers beneath the age of 25 also can benefit from State Farm’s Steer Clear® program to avoid wasting on automobile insurance coverage prices.
State Farm Insurance coverage Firm Repute
Throughout our analysis, we discovered that State Farm tends to rank higher than most different insurance coverage suppliers throughout shopper research. The corporate scored the best within the giant insurers class within the J.D. Energy 2022 U.S. Insurance coverage Buying Research℠, with 885 factors out of a doable 1,000.
Our August 2022 nationwide automobile insurance coverage supplier satisfaction survey — which polled virtually 7,000 individuals — had related findings. About 19% of respondents had State Farm automobile insurance coverage insurance policies, making it the preferred supplier in our survey. Individuals gave the insurer a 4.2-star ranking out of 5.0 for general buyer satisfaction.
Learn extra: State Farm insurance coverage opinions
#2 USAA: Low Charges for Navy
J.D. Energy ranking: 856/1,000
AM Finest monetary power ranking: A++
BBB ranking: A+
In Nevada, USAA presents the most affordable automobile insurance coverage on common for state minimal and full protection insurance policies. However solely army members, veterans and their households qualify for protection from USAA. Along with its low charges, the corporate presents drivers a usage-based insurance coverage app, SafePilot™. The app tracks a person’s driving and awards reductions based mostly on habits.
USAA Automotive Insurance coverage Protection
Just like different automobile insurance coverage firms, USAA supplies commonplace automobile insurance coverage protection choices, together with:
- Legal responsibility protection
- Complete protection
- Collision protection
- Underinsured/uninsured motorist protection
USAA additionally presents add-on insurance coverage choices for drivers to benefit from, together with roadside help and rental automobile reimbursement.
USAA Insurance coverage Firm Repute
USAA stands out inside the automobile insurance coverage {industry} attributable to its stable repute and excessive rankings in shopper research. The corporate had the second highest rating for the massive insurers class within the J.D. Energy U.S. Insurance coverage Buying Research, with 875 factors out of 1,000.
Equally, the corporate obtained the best rating of any supplier within the Southwest area with 856 factors within the J.D. Energy 2022 U.S. Auto Insurance coverage Research℠. The insurer isn’t formally ranked in J.D. Energy research attributable to its eligibility restrictions.
In our current automobile insurance coverage buyer satisfaction survey, about 6% of respondents had a coverage with USAA. These shoppers gave the corporate a 4.3-star ranking for general buyer satisfaction, the third highest in our survey.
Learn extra: USAA insurance coverage opinions
#3 Geico: Inexpensive for Most Drivers
J.D. Energy ranking: 827/1,000
AM Finest monetary power ranking: A++
BBB ranking: A+
Because the nation’s second largest auto insurance coverage firm, Geico is a stable choice throughout due to its prices, monetary power and general buyer satisfaction. The corporate supplies mechanical breakdown insurance coverage as an add-on choice, which is rare.
Drivers can decrease their insurance coverage premiums by making the most of the corporate’s many reductions and its usage-based program, DriveEasy, which reduces charges for good drivers.
Geico Automotive Insurance coverage Protection
Nevada drivers can discover commonplace automobile insurance coverage protection choices by way of Geico, together with among the highest protection limits out there. The insurer additionally presents extra coverages like emergency roadside help, rental automobile reimbursement and mechanical breakdown insurance coverage, which covers sudden repairs if sure components fail or break down by way of on a regular basis use.
Geico Insurance coverage Firm Repute
Geico’s rankings in shopper research are common general. The corporate scored 827 out of 1,000 factors within the Southwest area within the J.D. Energy U.S. Auto Insurance coverage Research, the identical because the section common.
Our evaluate staff reached out to Geico for a touch upon its rankings however didn’t obtain a response.
Geico was the third hottest supplier in our August 2022 survey, with about 16% of the respondents reporting they’d Geico automobile insurance coverage insurance policies. Geico policyholders in our survey gave the insurer a 4.1-star ranking out of 5.0 for general buyer satisfaction.
Learn extra: Geico insurance coverage opinions
#4 Vacationers: Most Protection Choices
J.D. Energy ranking: N/A
AM Finest monetary power ranking: A++
BBB ranking: A
Vacationers Insurance coverage has aggressive automobile insurance coverage charges but additionally locations a heavy emphasis on offering protection choices for each Nevada driver. Along with its low charges, the corporate presents a dozen low cost alternatives, together with these:
- Multi-policy low cost
- Good pupil low cost
- Good driver low cost
- Bundling low cost
Vacationers Automotive Insurance coverage Protection
Whereas Vacationers supplies commonplace auto insurance coverage coverage choices for Nevada drivers, it’s finest identified for its add-on choices. These embody:
Vacationers Insurance coverage Firm Repute
In comparison with different insurers on this record, Vacationers has a mean repute. The corporate scored beneath common amongst giant insurers within the J.D. Energy Insurance coverage Buying Research, incomes 853 factors out of 1,000. That is 10 factors beneath the section common of 863.
Our evaluate staff reached out to Vacationers for a touch upon its cell app and its J.D. Energy rating however didn’t obtain a response.
In our August 2022 research, about 2% of respondents reported having Vacationers automobile insurance coverage insurance policies. They rated the corporate 4.2 out of 5.0 for general buyer satisfaction.
Learn extra: Vacationers insurance coverage opinions
#5 Progressive: Low Charges for Excessive-risk Drivers
J.D. Energy ranking: 800/1,000
AM Finest monetary power ranking: A+
BBB ranking: F
With instruments like Title Your Value® that assist you to store for protection, Progressive is a good selection for drivers in search of low-cost automobile insurance coverage in Nevada. The corporate presents a number of protection and financial savings choices that embody a usage-based program known as Snapshot®, which tracks driving habits by way of an app and supplies reductions based mostly on how safely you drive.
Progressive Automotive Insurance coverage Protection
With Progressive, Nevada drivers can buy commonplace automobile insurance coverage protection choices along with a number of add-ons. These embody:
- Roadside help
- Rental automobile reimbursement
- Mortgage/lease payoff
- Customized components and tools worth
- Rideshare protection
- Pet protection
The corporate additionally presents each small and huge accident forgiveness. New policyholders mechanically get small accident forgiveness, which retains charges the identical if a declare doesn’t exceed $500.
Progressive Insurance coverage Firm Repute
Progressive tends to rank beneath common in shopper research. The insurer scored 800 out of 1,000 factors within the J.D. Energy Auto Insurance coverage Research, 27 factors beneath the section common. Moreover, the corporate ranked beneath common amongst giant insures within the J.D. Energy Insurance coverage Buying Research.
Our evaluate staff reached out to Progressive for a touch upon these scores however didn’t obtain a response.
About 17% of the respondents in our August 2022 automobile insurance coverage satisfaction survey had Progressive insurance coverage insurance policies, making it the second largest supplier in our survey. Individuals gave the corporate a 4.1-star ranking for general buyer satisfaction.
Learn extra: Progressive insurance coverage opinions
How To Discover the Finest Automotive Insurance coverage in Nevada
Earlier than purchasing for one of the best low-cost automobile insurance coverage in Nevada, it’s value understanding how charges range between suppliers and what elements can have an effect on your premium with every one.
Examine Nevada Automotive Insurance coverage Necessities
Every state units its personal necessities for automobile insurance coverage protection. You’ll be required to hold the minimal protection limits for the Silver State, which embody:
- Bodily damage legal responsibility: $25,000 per particular person, $50,000 per accident
- Property harm legal responsibility: $20,000 per accident
Minimal legal responsibility protection in Nevada will solely present protection to different people who find themselves concerned if you’re at fault for a automobile accident. If you wish to defend your self and your car, think about buying a full-coverage automobile insurance coverage coverage, which typically consists of legal responsibility, collision and complete protection.
Search for Reductions
The value you pay for a automobile insurance coverage coverage is determined by a number of elements, just like the car you drive and your credit score rating, location and marital standing. You probably have a teen driver in your coverage, you may anticipate to pay extra for automobile insurance coverage protection.
To save lots of in your common annual premium, look into low cost alternatives and coverage options when purchasing for automobile insurance coverage protection.
Know Your Lender Necessities
In case you mortgage or lease your car, you’ll probably be required to buy extra protection past the state minimal. Most lenders will need you to hold a full-coverage coverage. And in the event you lease your automobile, your lessor might want you to hold larger legal responsibility limits as properly.
Common Price of Automotive Insurance coverage in Nevada
Based on our automobile insurance coverage quote estimates from Quadrant Info Providers, a full-coverage automobile insurance coverage coverage in Nevada prices $179 per 30 days or $2,149 per 12 months on common. That is about 24% costlier than the nationwide common of $1,730 per 12 months. These estimates are based mostly on a 35-year-old driver with an excellent credit score rating and clear driving report.
Nevada Automotive Insurance coverage Prices by Metropolis
Automotive insurance coverage prices in Nevada can range vastly relying on the place you reside. Typically, insurance coverage is costlier in cities like Las Vegas and Reno than in rural areas.
*Automotive insurance coverage estimates by metropolis are based mostly on the three hottest suppliers per location.
Nevada Automotive Insurance coverage Reductions
Most auto insurance coverage firms provide a number of low cost choices for Nevada drivers. Whereas the precise choices and low cost percentages range based mostly on the insurer, frequent reductions embody:
Finest Nevada Automotive Insurance coverage: Conclusion
State Farm, USAA, Geico, Vacationers and Progressive provide one of the best automobile insurance coverage in Nevada. Drivers can discover reasonably priced charges and complete automobile insurance coverage choices with every of those suppliers.
Earlier than you resolve on a supplier, store round and evaluate your choices.
Finest Auto Insurance coverage in Nevada: FAQ
Beneath are continuously requested questions on one of the best automobile insurance coverage in Nevada:
Our Methodology
As a result of shoppers depend on us to offer goal and correct info, we created a complete ranking system to formulate our rankings of one of the best automobile insurance coverage firms. We collected information on dozens of auto insurance coverage suppliers to grade the businesses on a variety of rating elements. The tip end result was an general ranking for every supplier, with the insurers that scored essentially the most factors topping the record.
Listed below are the elements our rankings consider:
- Price (30% of complete rating): Auto insurance coverage charge estimates generated by Quadrant Info Providers and low cost alternatives had been each considered.
- Protection (30% of complete rating): Corporations that provide quite a lot of decisions for insurance coverage protection usually tend to meet shopper wants.
- Repute (15% of complete rating): Our analysis staff thought-about market share, rankings from {industry} consultants and years in enterprise when giving this rating.
- Availability (10% of complete rating): Auto insurance coverage firms with better state availability and few eligibility necessities scored highest on this class.
- Buyer Expertise (15% of complete rating): This rating is predicated on quantity of complaints reported by the NAIC and buyer satisfaction rankings reported by J.D. Energy. We additionally thought-about the responsiveness, friendliness and helpfulness of every insurance coverage firm’s customer support staff based mostly on our personal shopper evaluation.
*Knowledge correct at time of publication.