Nevada is not among the cheapest states to own a car. Still, Nevada auto owners can lower their rates by following a few simple steps when insuring their vehicles. Here’s the latest available information on car insurance in Nevada, along with stats, facts and helpful tips on lowering your premiums. Following a few simple guidelines can literally save you hundreds of dollars each year in Nevada car insurance.

Nevada Minimum Liability Coverage

Nevada has a minimum required coverage of 15/30/10 per owned vehicle. This means that Nevada drivers must purchase at least $15,000 in Personal Injury Protection (PIP), $30,000 of insurance to cover the cost of others who are injured, and another $10,000 in coverage against property damage. So Nevada state law requires a total of $55,000 in liability coverage per vehicle.

Penalties for Driving Without Insurance in Nevada

Penalties for getting caught driving without adequate insurance in Nevada include fines and license suspension, not to mention reinstatement fees and raised premiums. Subsequent offenses are met with harsher penalties.

Auto Insurance Rates in Nevada

The average annual car insurance premium for a vehicle owned in Nevada in 2016 was $1,221, a bit lower than the national average of $1,347.

Low Cost Car Insurance Programs in Nevada

Premiums in Las Vegas are roughly twice as high as they are in other parts of the state. So one way to lower your premiums if you live in Las Vegas is to move outside of Las Vegas.

Nevada allows auto insurance providers to offer usage-based insurance plans so that motorists can receive discounts. However, Nevada law forbids auto insurers from using GPS technology to track the exact location of the user.

The best way for driver in Nevada to get relatively low premium rates on car insurance is to qualify and apply for every available discount. Most car insurance carriers offer good driver discounts, good student discounts, senior citizen discounts, vehicle safety discounts, multiple auto discounts and quite a few others.

Obtaining Auto Insurance Quotes in Nevada

Based on recent customer satisfaction ratings, popular auto insurance providers in the state of Nevada include Allstate, Farmers, Geico, Progressive, State Farm, Travelers, and 21st Century Insurance. The easiest way to obtain a low quote on auto insurance in Nevada is simply to call numerous carriers and ask their agents for free quotes. Factor in the discounts when comparing rates. If minimum coverage is your choice, simply choose the cheapest deal and you’re done.