Nevada
- ~$60–$75
- ~$160–$190
- $25K/$50K/$20K
Nevada has higher-than-average car insurance rates driven by urban congestion, high accident frequency, and a significant number of uninsured drivers. The state follows a fault-based liability system with mandatory coverage and proof of insurance requirements.
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Nevada Auto Insurance Facts *
Drivers
- ~2.3–2.5 million licensed drivers as of 2023.
- ~88% vehicle ownership among households.
- High usage of sedans and SUVs in urban areas.
- Uninsured driver rate estimated around 15%.
- Limited public transportation outside Las Vegas and Reno.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~40,000 | ~11,000 | 480 |
| 2019 | ~41,500 | ~11,300 | 500 |
| 2020 | ~38,000 | ~10,000 | 460 |
| 2021 | ~39,500 | ~10,500 | 470 |
| 2022 | ~40,800 | ~10,900 | 480 |
Laws & Regulations
- Fault-based liability system.
- Mandatory bodily injury and property damage coverage.
- Proof of insurance required at registration.
