Cheap Car Insurance in Nevada
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Nevada Car Insurance Minimums
Nevada requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$20,000
At-fault (tort) state.
Source: NRS 485.185, 485.3091, 690B.020, verified 2026-09-01.
What drives car insurance rates in Nevada
Average spend per insured vehicle, 2023
$1,462
Nevada drivers spent $1,462 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
88¢
Auto insurers in Nevada paid 88 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.47
Nevada recorded 417 traffic deaths in 2024, 1.47 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
396.5
Nevada reported 13,015 motor vehicle thefts in 2025, 396.5 per 100,000 residents, from 475.4 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#33
FEMA ranks Nevada #33 of 51 for expected annual loss from natural hazards; flood accounts for 38% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Nevada
The ten insurer groups that wrote the most auto premium in Nevada in 2025, with their share of the state total of $4.5 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 22.4% | $997 million |
| 2 | State Farm Group | 18.18% | $809 million |
| 3 | Berkshire Hathaway Group | 11.47% | $510 million |
| 4 | Allstate Insurance Group | 9.91% | $441 million |
| 5 | United Services Automobile Association Group | 6.93% | $308 million |
| 6 | Csaa Insurance Group | 5.38% | $239 million |
| 7 | Farmers Insurance Group | 4.94% | $220 million |
| 8 | American Family Insurance Group | 3.16% | $141 million |
| 9 | Travelers Group | 2.27% | $101 million |
| 10 | Liberty Mutual Group | 1.88% | $84 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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