Compare & Find the Cheapest Car Insurance in Nevada (Jan 2025)

, and

top-rated car insurance comparison app

dominate the insurance market in Nevada—but our survey respondents gave Esurance, GIECO, Mercury, and The General 5/5 rankings across the board.

It’s a good idea to shop around and compare policies to make sure you’re getting the best deal for what you need.

Here's a look at budget-friendly car insurance rates for Nevada drivers:

Insurance company	Date	City	Cost rating (out of 5)	What our customer said:
Progressive	January 29, 2025	Las Vegas, NV	3	"It's just annoying that you know I have gotten any tickets since I've been with this company I pretty much people on ...(read more)" -Ralph
Anchor General	January 28, 2025	Cleveland, OH	4	"Great" -Jason
AAA	January 28, 2025	North Las Vegas, NV	5	"Jerry has helped me and my wife save hundreds of dollars by using their app. We recommend Jerry" -Lucas
AAA	January 25, 2025	Las Vegas, NV	3	"Cost too much for so little. I paid for 6 months but am finding a few companies for $30 a month less" -Dale
Allstate	January 23, 2025	Reno, NV	5	"Great customer service and they contact me to see if there anything they can do." -Maurice

Last Updated Jan 29, 2025

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

To find car insurance quotes online quickly without the hassle, it’s best to use a comparison app or website.

Jerry is the country's

and makes finding and comparing

insurance quotes online

simple. You can do it all from the convenience of your smartphone! Simply answer a few easy questions and let Jerry find you the best policies—all backed by a talented team of

100+ licensed insurance agents

available to answer your questions.

Minimum liability and full coverage

All drivers in Nevada must meet the state’s minimum insurance requirements before hitting the Liability insurance is necessary, but you can also purchase

full-coverage auto insurance

for better protection.

Cheapest minimum liability coverage car insurance quotes in Nevada

Nevada’s minimum car insurance requirements

follow a 25/50/20 pattern. Here’s a breakdown of what you must have:

$25,000

bodily injury liability

per person

$50,000 bodily injury liability per accident

$20,000

property damage liability

per accident

Jerry can help you find the most affordable policy for minimum coverage.

Stanley (53 years old)

Coverage

State Minimum

Pontiac Grand Prix SE

$73

per month

Travelers

Manuel (41 years old)

Coverage

State Minimum

Dodge Journey SXT

$224

per month

Safeco

Leonard (51 years old)

Coverage

State Minimum

Ford F-150 Supercrew

$130

per month

Frederick (41 years old)

Coverage

State Minimum

Jeep Compass Latitude

$166

per month

Clearcover

Verna (25 years old)

Coverage

State Minimum

Hyundai Sonata SE

$143

per month

Mercury

Flora (64 years old)

Coverage

State Minimum

Nevada's car insurance laws

Nissan Murano S

$149

per month

Do you need more than minimum coverage in Nevada?

In Nevada, you must have liability car insurance that complies with the 25/50/20 state-mandated limits—but that doesn’t mean it’s all you should purchase.

If you’re involved in an at-fault accident, bodily injury and property damage costs can quickly exceed the 25/50/20 limits—leaving you on the hook for the remainder if the other party decides to sue.

Remember,

allow drivers the right to claim both economic (lost wages, property loss, etc.) and non-economic damages (pain and suffering, mental suffering, etc.) associated with a car accident.

Paying these expenses out of pocket can be steep, so it’s almost always worth it to pay a little more for full-coverage insurance.

The bottom line: Drivers in Nevada should consider purchasing liability coverage that exceeds the state minimums—such as 50/100/50 or even 100/300/100—or purchasing a full-coverage policy.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

Lower my car insurance too!

Cheapest full coverage car insurance quotes in Nevada

Purchasing a full coverage insurance policy is one of the easiest ways to safeguard yourself against costs associated with an accident—and it’s usually not that much more expensive than a liability-only policy!

If you’re considering buying full coverage, you’ll get state-mandated liability insurance plus

comprehensive

and

collision coverage

Comprehensive insurance: Covers you against non-collision related incidents, such as theft, vandalism, fire, flood, wind, or falling objects

Collision insurance: Pays for damages to your vehicle resulting from a collision with another vehicle or stationary object

And if you’re financing or

leasing a car

, your lender will require this.

Remember that both collision and comprehensive coverage are subject to deductibles. If you’re involved in a crash and need this coverage, you’ll have to pay your deductible before your insurance provider pays out.

While you’ll pay higher insurance rates than for a minimum coverage policy, Jerry can help you find the best premium for the coverage you want.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• 50,000/100,000 Liability • Comp / Collision	Progressive	$129	Emilie, 49 Las Vegas, NV	Toyota Tacoma Prerunnerdoub
• State Minimum Liability • Comp / Collision	Travelers	$224	Manuel, 41 Las Vegas, NV	Dodge Journey SXT
• 50,000/100,000 Liability • Comp / Collision	Allstate	$215	Earl, 29 Reno, NV	Lexus NX 200T
• 100,000/300,000 Liability • Comp / Collision	Safeco	$163	Allie, 35 Henderson, NV	Subaru Outback 3.6R Limited
• 50,000/100,000 Liability • Comp / Collision	Nationwide	$166	Joshua, 38 North Las Vegas, NV	Nissan Pathfinder S

Last Updated Jan 26, 2025

Average rates for state minimum liability coverage and full coverage

As of June 2023, the average cost of minimum liability coverage in Nevada is $X per month or $X per year, while the average cost for full coverage insurance is $X per month or $X per year.

Luckily, using Jerry might help you reduce those costs.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$156	$1,874
Full coverage	$181	$2,167

Looking at the average annual premium in Nevada is a great way to help you estimate how much you can expect to pay for car insurance—but remember, it’s just an estimate. Various factors influence car insurance rates, so the national average might not be your average.

You can expect to pay more if you have traffic violations on your record. Likewise, if you’re a teen or new driver, you’ll have significantly higher rates than someone in their 40s or 50s.

Additional coverages to consider in Nevada

Meeting the minimum requirements in Nevada is a great place to start—the other party involved in a crash will be covered for bodily injury and property damage. But what about you? That’s where investing in additional insurance comes in handy.

Here are some coverages to consider:

Medical payments (MedPay)

Personal injury protection (PIP)

Uninsured/underinsured motorist protection

If you lease or finance a car:

Gap insurance

helps cover the difference between the car's actual cash value and the amount you still owe if your vehicle is totaled or stolen.

If you frequently rent or borrow a vehicle:

Non-owner car insurance

offers liability coverage for bodily injury and property damage if you are liable in an at-fault accident. Still, it doesn’t cover damage to the actual vehicle you’re driving or your medical expenses.

Not in Nevada?

California car insurance

Utah car insurance

Idaho car insurance

Oregon car insurance

Arizona car insurance

Wyoming car insurance

Colorado car insurance

Montana car insurance

Finding the right car insurance for every driver

We’ve mentioned that several factors affect how much you pay for car insurance. Here’s a breakdown of some of the most influential ones:

Driving record and claims history: Insurance providers don’t like driving violations, so the more accidents or tickets on your

Nevada driving record

, the higher your insurance payments will be.

Vehicle location: Insurance rates in big cities like

Las Vegas

and

Reno

are generally higher than in rural areas of the state. Rates will also vary based on your zip code—even in the same city.

Vehicle make and model: Luxury, high-performance, and sports cars have higher insurance premiums than other vehicles.

Credit score: While not all insurers use it,

credit scores can affect car insurance costs

in Nevada—and a poor credit score means a higher insurance rate.

How you use your car: Cars driven for work typically have higher insurance premiums than cars driven for leisure.

Your age:

Teen drivers

and

seniors

typically pay the highest premiums of any age demographic—but they also have various discounts to help lower them!

How Do Different Factors Impact Your Car Insurance Costs in Nevada?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Nevada currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Nevada:

Cheapest Nevada car insurance after a driving violation

Driver violation points have a significant impact on car insurance rates

—and they can also affect which insurance company will insure you. Some insurance providers are willing to insure

high-risk drivers

(which comes at a premium) and others aren’t, especially with big violations like a DUI or

reckless driving

Cheapest car insurance for Nevada speeding tickets

If you’ve received a

Nevada speeding ticket

, it’s not the end of the line for car insurance. Drivers are penalized based on the degree of speeding and prior offenses—though penalties for speeding in Nevada are stricter than in other states.

Here’s what we mean:

The maximum fine for speeding in Nevada is $1,000, but the fines cannot be more than $20 for each mile an hour you were going beyond the posted speed limit.

5 mph over the speed limit: $100 fine + 1 point added

10 mph over the speed limit: $200 fine + 2 points added

15 mph over the speed limit: $300 fine + 2 points added

20 mph over the speed limit: $400 fine + 3 points added

21+ mph over the speed limit: $420+ fine + 4 points added

That said, the amount of your fine will depend on several factors, including:

Any previous speeding tickets

Where you were speeding (work or school zone)

How fast you were going

Speeding is considered a misdemeanor in Nevada and can land you in jail for up to six months if the offense was severe enough. On top of fines and possible jail time, it also comes with demerit points on your driving record.

The result isn’t just a poor record—it’s also a big increase in your car insurance rates and a possible license suspension.

Regardless of the violation, Jerry helps drivers find affordable rates with great insurance companies.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 1-5	Progressive	$127	Ella, 22 Carson City, NV	• 50,000/100,000 Liability
Speeding 11-15	Mercury	$200	Victor, 33 Henderson, NV	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

Awesome so far!!

Hayden

Good reasonable prices

Janne

I got a great price.

Wendy

Great insurance!!!!

Corine

Cheapest auto insurance in Nevada after a DUI

Nevada DUI laws

state that drivers over the age of 21 cannot have a blood-alcohol level of 0.08% or higher—and lower thresholds are in place for younger drivers.

If you’re caught with a BAC higher than the legal limit, the conviction will remain on your driving record for seven years

Penalties include a fine, potential jail time, license revocation, IID requirements, SR-22 requirements, and community service,

On average, drivers with a DUI pay 56% more for car insurance than drivers without one

Luckily, insurance providers offer many discounts to help reduce your costs. Jerry has helped drivers with major convictions land affordable insurance.

Safeco

Russell (28 years old)

DUI

Coverage

State Minimum

North Las Vegas, NV

Volkswagen Jetta SE

$347

per month

Maude (33 years old)

DUI

Coverage

State Minimum

Hyundai Elantra GLS

$224

per month

Bristol West

Lulu (31 years old)

DUI

Coverage

50,000 per person

100,000 per accident bodily injury

Honda Civic Sport

$204

per month

Clearcover

Leona (32 years old)

DUI

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Tesla Model 3

$202

per month

Infinity

Annie (32 years old)

DUI

Coverage

15,000 per person

30,000 per accident bodily injury

lapse in insurance coverage

Honda Civic LX

$112

per month

Nevada SR-22 insurance

Depending on the severity of the violation, you may be required to file a

Nevada SR-22

before you can have your driving privileges reinstated. Insurance providers file SR-22 for high-risk drivers as proof they meet the state’s minimum insurance requirements.

You may have to file an SR-22 for the following violations:

Driving without insurance

Driving without a valid driver’s license

DUI

or DWI conviction

Hit-and-run

Reckless driving

Distracted driving

Repeated driving violations

An at-fault collision leading to death or injury

SR-22 certificates are usually required for three years from the date of conviction in Nevada, but the severity of the conviction can shorten or lengthen the term—this is at the discretion of the Nevada DMV.

Also, remember that some insurers do not offer insurance for drivers requiring an SR-22 or may offer limited coverage options. That’s why it pays to shop around and compare quotes.

Cheapest Nevada auto insurance after an at-fault accident

A clean driving record is one of the best things you can do for your insurance rates since it reassures insurers that you’re a safe driver and aren’t likely to file a claim.

If you have a fender bender or a major at-fault accident on your record, you can expect your rates to increase thanks to a high-risk driver label.

But it’s not all bad news—work to eliminate the accidents on your record (and keep a clean driving record in the meantime) while Jerry helps you find an affordable policy.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Progressive	$276	Harriett, 26 North Las Vegas, NV	• 50,000/100,000 Liability • Comp / Collision
At Fault With No Injury	AAA	$124	Henry, 53 North Las Vegas, NV	• State Minimum Liability • Comp / Collision
Not At Fault	Travelers	$225	Georgia, 32 Las Vegas, NV	• 100,000/300,000 Liability • Comp / Collision
At Fault With No Injury	Safeco	$203	Vincent, 64 Henderson, NV	• State Minimum Liability • Comp / Collision
At Fault With Injury	Mercury	$267	Josephine, 26 North Las Vegas, NV	• 50,000/100,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

FAQ

How much is car insurance in Nevada?

Finding cheap car insurance would be simple if one provider offered the best rate for everyone—but unfortunately, that’s not the case. Car insurance premiums vary based on age, driving record, coverage needs, and location, so there is no consistent rate between driver profiles.

It’s a good idea to shop around and compare rates from at least 3 different providers—it’s the only way to ensure you’re not overpaying!

Do you need insurance to register a car in Nevada?

Yes—to register a vehicle in Nevada, you’ll need to provide proof of insurance that meets the state minimum insurance requirements. Here’s a breakdown of what you’ll need:

Nevada

proof of insurance

Electronic Dealer Report of Sale (EDRS)

Nevada Emission Vehicle Inspection Report

Current odometer reading

Who has the cheapest car insurance in Nevada?

There is no single cheapest insurance provider in Nevada but Nationwide, State Farm, and Erie generally offer some of the most competitive rates.

MORE:

Nevada car accident laws

Cheapest auto insurance after other violations in Nevada

Having a DUI or speeding ticket on your driving record can do a doozy to your insurance costs—but other violations can, too. Driving without a license or insurance, failing to stop at a stop sign, or improper lane changes may also affect rates.

If you’ve landed yourself one of these violations, Jerry can still help you find affordable rates.

Violation	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
Careless Driving	Safeco	$138	Charlotte, 49 Sparks, NV	Tesla Model S	• 100,000/300,000 Liability • Comp / Collision
Cell Phone	Progressive	$278	Dennis, 22 Reno, NV	Chevrolet Malibu 1LT	• State Minimum Liability • Comp / Collision
Driving on Sus. License	Progressive	$84	Luis, 24 Mesquite, NV	Toyota Camry L	• State Minimum Liability • Comp / Collision
DUI	Allstate	$224	Lee, 32 Las Vegas, NV	Hyundai Elantra GLS	• State Minimum Liability • Comp / Collision
Failure to Obey Signal	Nationwide	$231	Callie, 34 North Las Vegas, NV	Ford Expedition XLT	• State Minimum Liability • Comp / Collision
Illegal Turn	Progressive	$190	Mike, 40 Las Vegas, NV	Volkswagen Jetta SEL	• State Minimum Liability • Comp / Collision
Improper Passing	Bristol West	$272	Mae, 27 Las Vegas, NV	Jaguar XF	• State Minimum Liability
Open Container	Progressive	$279	Francisco, 40 Henderson, NV	RAM 1500 Sport	• State Minimum Liability • Comp / Collision
Racing/Drag Racing	Dairyland	$196	Melvin, 20 Fernley, NV	Hyundai Sonata Hybrid	• State Minimum Liability
Speeding Violation-Major	Mercury	$249	Lillian, 27 Las Vegas, NV	Chevrolet Blazer 2LT	• State Minimum Liability • Comp / Collision
Speeding Violation-Minor	Travelers	$137	Cynthia, 32 Reno, NV	Mazda 3 S	• 100,000/300,000 Liability • Comp / Collision
Suspension	Bristol West	$154	Chester, 23 Reno, NV	Toyota Camry LE	• State Minimum Liability
Failure to show documents	Mercury	$97	Sadie, 32 Sparks, NV	Toyota Tacoma Double Cab	• State Minimum Liability • Comp / Collision

Last Updated Jan 30, 2025

Cheapest Nevada auto insurance based on insurance history

Regardless of the reason why you didn’t have insurance, a

pegs you as a risk for insurers and raises your insurance rates. Drivers with a lapse of less than 30 days pay an average of 8% more for insurance, while drivers with a coverage lapse of more than 30 days saw an average rate increase of 35%.

But fear not—you’ll never miss a payment with Jerry! When a payment is coming up, Jerry gives eligible drivers the option to turn on notifications to help them avoid missing a payment or having a lapse in insurance coverage.

Whether you’ve had continuous insurance or not, Jerry can help you find savings on a new insurance policy.

Beulah (29 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Honda Civic EX

$231

per month

Hilda (26 years old)

Not Currently Insured

Coverage

State Minimum

Honda Civic LX

$201

per month

Iva (32 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Fernley, NV

RAM 1500 Laramie

$129

per month

Travelers

Ryan (27 years old)

Not Currently Insured

Coverage

State Minimum

Reno, NV

Acura 3.5RL

$114

per month

Bristol West

Abbie (31 years old)

Currently Insured

Coverage

State Minimum

Hyundai Sonata GLS

$314

per month

Bristol West

Bruce (63 years old)

Not Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

cheap car insurance for new drivers

Chevrolet Tracker

$160

per month

Cheapest car insurance for drivers with poor credit

Unlike paying off your credit card, paying for your car insurance doesn’t build credit—but having a poor credit score can affect how much you pay. Most insurers don’t like taking the chance that your premium will go unpaid.

Although this isn’t the case in every state, insurers can look at credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the more likely they may be to make a claim and the higher the resulting insurance cost.

Drivers with poor credit ratings see average rates that are significantly higher than drivers with good ones. If you have a fair or poor credit score and are looking for affordable car insurance, shopping around with a comparison app or website can help you narrow your choices and find the best rate.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$179	Alta, 35 Reno, NV	Jaguar F-Pace Prestige	• 100,000/300,000 Liability • Comp / Collision
660 - 750	Safeco	$208	Lou, 51 Las Vegas, NV	Dodge Charger R/T 392	• State Minimum Liability • Comp / Collision
550 - 659	Travelers	$123	Hunter, 47 Henderson, NV	Jaguar F-Pace Prestige	• 50,000/100,000 Liability • Comp / Collision
< 550	Progressive	$127	Juan, 22 Carson City, NV	Mercury Grand Marquis LS	• 50,000/100,000 Liability

Last Updated Jan 29, 2025

Cheapest Nevada car insurance by age

Drivers under 25 pay some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. Once you hit 25, more experience means rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.

For teens and seniors, Nationwide and Allstate offer affordable options, but other providers may have competitive rates.

Cheapest Nevada car insurance for young drivers

Teen drivers aged 16 to 19 have the highest car insurance rates of any age bracket in Nevada because they’re at the highest risk of being involved in a car accident. But this also applies to drivers under 25 or new drivers who don’t have a long history of safe driving.

If you’re a new driver without a lot of on-road experience, consider investing in a full-coverage policy that offers more protection on the road and greater financial protection if you’re involved in a crash.

While 25 might not be the magic number for all drivers, a comparison app like Jerry can help find

without the hassle.

Raymond (24 years old)

Coverage

State Minimum

Spring Creek, NV

Toyota Camry SE

$209

per month

Safeco

Jimmy (24 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Henderson, NV

Subaru WRX STI Limited

$258

per month

Maurice (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Lexus GS 200T

$568

per month

Bristol West

Katie (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Reno, NV

Mercury Grand Marquis LS

$107

per month

State Auto

Lawrence (24 years old)

Coverage

30,000 per person

60,000 per accident bodily injury

best car insurance for seniors

Lexus ES 350

$138

per month

Dairyland

Don (23 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Carson City, NV

Mercury Grand Marquis LS

$159

per month

Cheapest Nevada car insurance for senior drivers

On the other end of the spectrum, we have drivers with an abundance of experience and high car insurance rates. This is because drivers in their mid-70s and onwards are at a higher risk of mortality, hospitalization, and high medical expenses from car accidents. They also have slower reflexes that increase the risk of being involved in an accident.

GEICO

seems to lead the race for the

, but using a comparison app to check out other quotes is still a good idea.

Manuel (76 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Toyota Camry LE

$103

per month

Benjamin (69 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Toyota Camry L

$231

per month

Safeco

Mildred (66 years old)

Coverage

State Minimum

Sparks, NV

Ford Edge Titanium

$129

per month

Bristol West

Barbara (68 years old)

Coverage

State Minimum

Nissan Sentra S

$412

per month

Mercury

Lizzie (74 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Sun Valley, NV

Hyundai Elantra SE

$134

per month

Clearcover

Helena (70 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

How to get car insurance before buying a car

Chevrolet Avalanche LS

$149

per month

Over 4,000,000 customers and counting

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Cheapest car insurance for popular cars

The make and model of your car matter to insurance companies. They’ll look at reliability, repair costs, and safety when determining rates—meaning the more reliable and safe your car is, the lower the insurance.

But dollar signs also play a role. Vehicles with a higher book value typically cost more to insure than cheaper cars because insurers have to pay out more if it’s involved in a crash.

In Nevada, these are some of the most popular and affordable models to insure:

Honda Accord

Ford F-150

Toyota RAV4

MORE:

Popular and dependable, you can be sure that parts for these cars will almost always be available. Pair them with a car insurance policy from Jerry and you’ve got a ride that won’t break the bank.

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4 Sport	Nationwide	$122	Edith, 37 Reno, NV	• 100,000/300,000 Liability • Comp / Collision

Last Updated Jan 30, 2025

Car insurance cost for new vs. old car

The value of a car usually decreases with age, but insurance doesn’t always follow suit. Insurance rates are determined by how much an insurer would have to pay if the car was damaged or stolen, so they’ll look at things like software and added features.

Safety is also a consideration. Newer cars have more safety features that reduce the risk of a car crash, reducing your monthly premium—but the fancy parts on a new car can be more expensive to replace in the event of a total loss.

In general, newer cars are more costly to insure than older cars. At Jerry, we found that Nevada’s average full coverage insurance cost for a car older than 10 years is $X per year. The average cost of car insurance for insuring a car less than 4 years old goes up by X% to $X a year.

Jimmy (27 years old)

2004 BMW X3 2.5I

Coverage

State Minimum

Reno, NV

$94

per month

Travelers

Amelia (38 years old)

2004 Infiniti G35

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

$226

per month

Safeco

Marguerite (36 years old)

2005 Cadillac Escalade EXT

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

$210

per month

Bristol West

Theresa (56 years old)

2002 Ford Expedition XLT

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

$225

per month

Clearcover

Cole (25 years old)

2005 Toyota Avalon XL

Coverage

State Minimum

Henderson, NV

$160

per month

Mercury

Leona (68 years old)

2003 Saab 9-3 Linear

Coverage

State Minimum