Nevada Car Insurance

Car Insurance Nevada
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto & Home Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Find the Best Car Insurance in Nevada

Best Car Insurance in Nevada Nevada drivers all want the greatest protection when on the road, which means getting the best car insurance. In Nevada, that means finding the kind of car insurance company that you know has your back. The AARP® Auto Insurance Program from The Hartford1 is proud to serve Nevada drivers. In fact, we’ve been providing insurance protection for AARP members and their families since 1984. If you’re looking to get a Nevada car insurance quote, we can help.
We know there is so much to see and do throughout Nevada, from enjoying the Las Vegas Strip to exploring the outdoors in cowboy country. No matter where you travel, we can help you get the car insurance you need. We’re an insurance company you can trust and have earned a reputation for integrity over the years. And our customers agree – giving us high customer ratings for our claim service.

Nevada Car Insurance Coverages

Required Liability Insurance Coverages in Nevada

Nevada has these state minimum coverage limits:2

Additional Nevada Car Insurance Coverages Available to Drivers

For added protection, Nevada drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:

How Much Is Car Insurance in Nevada?

According to the Insurance Information Institute (III), the average cost for auto insurance is $1,141. This is about a hundred dollars more than the national average of $1,004.3 Some factors that impact the cost of how much you’ll pay for car insurance are your:
  • Driving records and history
  • Vehicle type
  • Credit scores
  • Average miles driven in a year
  • Coverage limits
  • Deductible amounts
To find the best coverage, compare auto quotes from multiple car insurance companies. Generally, if you have a clean driving record, you’ll get cheaper coverage from auto insurers. You can start your search by getting a car insurance quote from us online today or by calling 888-413-8970 to request your car insurance rate.

Nevada Car Insurance Discounts and Benefits

We offer several valuable car insurance discounts and benefits to AARP members, including:
  • New Car Replacement:§§ This helps cover you if you total your new car in it’s first 15,000 miles or within the first 15 months that you’ve had it. We’ll replace it with a new one of the same make, model and equipment.
  • Accident Forgiveness: We’ll excuse your first accident and won’t give you an additional charge.
  • 12-month Rate Protection: This locks your premium in for a full year.
  • Disappearing Deductible: This reduces your collision deductible on your auto policy all the way to $0 each year as long as you maintain a clean driving record.
  • 24/7 Claim Service: You can report your car insurance claim at 877-805-9918 at any time of the day during the week.

Nevada Car Insurance Laws Nevada Car Insurance Laws

Whether you need car insurance in Las Vegas, Reno, Boulder City or anywhere in between, we’ve got your back. But in addition to getting the right policy, you’ll also want to know which safe driving laws apply in Nevada:4

Proof of Nevada Car Insurance

If you’re a licensed driver in the state of Nevada, be sure to keep a copy of your car insurance ID card in your vehicle with your registration. If you’re in an accident, you’ll need to provide it to the police. However, Nevada is does accept electronic proof of car insurance and with The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

Nevada Uninsured Motorist Coverage

Being involved in an accident with an uninsured motorist could be financially devastating. Nevada doesn’t require drivers to carry this coverage, but we offer uninsured motorist bodily injury to give you peace of mind.

Nevada Seat Belt Laws

Nevada doesn’t have mandatory seat belt laws, but if you’re pulled over for another moving violation, law enforcement can ticket you for not wearing your seat belt.

Nevada Distracted Driving Laws

Nevada has a number of laws in place to discourage distracted driving. Two to make you sure you follow are:
  • You can’t text and drive while in the state.
  • Hand-held cell phones are prohibited from use by all Nevada drivers.

Nevada Teen Driver Laws

Getting a driver’s license is a rite of passage for teenagers, and Nevada wants to be sure they stay safe in the process. Nevada has put graduated licensing laws in place to ensure that teenagers gain the experience and maturity required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.

Common Questions About Nevada Car Insurance

Why Is Nevada Car Insurance So Expensive?

One reason you may pay more for coverage is because there are frequent claims and accidents in Las Vegas. The population has also risen in the state which can increase the amount of car collisions.

Is California Car Insurance More Expensive in Nevada?

According to the Insurance Information Institute, the average cost of car insurance is $957.5 This is less than the average car insurance in Nevada which is $1,141.

How Much Is Car Insurance in Nevada How Much is Full Coverage in Nevada?

The cost of full car insurance coverage will vary from person to person within the state of Nevada. This is because certain factors impact your premium, like your driving records, vehicle, credit score and more.

What Is the Minimum Insurance Coverage in Nevada?

In the state of Nevada, you’ll need bodily injury liability coverage and property damage liability insurance. However, it’s a good idea to get additional coverages so you can be fully protected while on the road.

What Is a Total Loss in Nevada Car Insurance?

If your car is a total loss in car insurance, it means it costs more to fix the damages than it’s worth. If this happens in Nevada, you can either accept a settlement with your auto insurance company for the actual cash value or keep the car and repair it yourself.

Do Leased Cars Need Insurance in Nevada?

Yes. If you lease your vehicle, you’ll need more car insurance than if you buy a car.
Learn more about car leasing with insurance.

Get a Quote for Nevada Car Insurance

To learn more about auto insurance, get a quote today. You can also call our specialists at 888-413-8970. They’ll answer any questions you have and can even help you find the cheapest car insurance that still fits your needs.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Terms and conditions apply.
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.