Nevada Car Insurance Calculator

Nevada Car Insurance Calculator

Nevada is well known for its lively party scene in Las Vegas and Reno, drawing tourists on lively weekends. Unfortunately, this increases the risk of car accidents and insurance claims, driving up premiums. State minimum coverage mandates liability and collision coverage only; many drivers opt to add comprehensive protection as well. MedPay or uninsured/underinsured motorist coverage are additional options worth considering as Nevada’s minimum liability requirement is lower than many states so extra coverage could protect you in case an uninsured or underinsured driver hits you on an otherwise hazardous road condition.

Use our calculator to estimate how much car insurance will cost you in Nevada. We take into account factors like age, driving history and credit score when estimating rates – helping you understand which policy and coverage level are right for your budget. In Nevada we provide rate estimates from popular insurers such as State Farm, USAA and Geico.

At our agency, we use a proprietary algorithm to calculate an annual premium for each driver. This calculation takes into account their age, gender, location, driving record and credit rating as well as any discounts they qualify for – giving our users the best chance at saving money and finding an exceptional car insurance policy.

Teenagers and young adults typically pay higher premiums for car insurance due to having less experience behind the wheel and higher accident rates than older drivers. Even after being required to complete certain hours of behind-the-wheel training, teen and young adult drivers still tend to have a poor safety record than their elder counterparts, making them high risk customers for car insurers.

Accidents are terrifying experiences, with medical bills piling up quickly following an incident. Without adequate coverage, if this occurs you could face legal action for the remainder of costs or face steep fines if sued – estimated that as few as 20% of drivers in Nevada carry minimum car insurance requirements; hence it is vitally important that full coverage policies such as collision and comprehensive are in place to cover you fully.

Nevada law mandates minimum car insurance requirements of $18,000 per person for bodily injury coverage and $20,000 per accident for property damage coverage. As these expenses may exceed $100,000 and $300,000., respectively, for an accident, it is strongly suggested that at least $100,000 of personal injury protection coverage and $300,000. of uninsured/underinsured driver coverage be purchased. Though these additional policies will increase your car insurance premium, they could save you from large repair bills or the financial strain associated with being sued for medical expenses or having your wages garnished or assets seized. Your peace of mind and assurance that your coverage needs are covered can come at a small price tag. Below is the average annual premium for full coverage car insurance in Nevada by driver age and gender as well as minimum required amounts of coverage.