Find the Best Car Insurance in Nevada
Nevada drivers all want the most 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 Hartford
1 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 $1,247. This is a few hundred dollars more than the national average of $1,047.3 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
- New Car Replacement:§§ If you total your new car, we’ll replace it with a new one of the same make, model and equipment with no deduction for depreciation.
- Accident Forgiveness:‡ As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.
- Disappearing Deductible:‡ This reduces your collision deductible on your auto policy over time, 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
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 Than Nevada?
According to the Insurance Information Institute, the average cost of car insurance in California is $957.5 This is less than the average car insurance in Nevada which is $1,247.
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.
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.
Last Updated: October 16, 2023
