Auto insurance

Car insurance that fits your budget

Whether you drive a brand-new sedan or a paid-off truck with 200,000 miles, Nevada law requires you to carry auto insurance. We shop multiple carriers to find you the right coverage at the right price — not just the state minimum.

What auto insurance covers

Auto insurance in Nevada is built from several types of coverage that work together to protect you financially after an accident, theft, or weather event. Here's what each piece does and why it matters.

Liability coverage

This is the part the state requires. If you cause an accident, liability pays for the other driver's injuries and property damage. Nevada's legal minimums are 25/50/20 — that's $25,000 per person for bodily injury, $50,000 per accident, and $20,000 for property damage. Those minimums haven't kept pace with medical costs, though, so we often recommend higher limits for a modest increase in premium.

Collision and comprehensive

Collision covers damage to your own vehicle after an accident regardless of who was at fault. Comprehensive handles everything else — theft, vandalism, hail, broken windshields, hitting a deer. If you have a car loan or lease, your lender almost certainly requires both.

Uninsured / underinsured motorist

Nevada has a significant number of uninsured drivers on the road. This coverage protects you if you're hit by someone who doesn't carry enough insurance — or any at all. It's one of the most important (and underrated) pieces of an auto policy.

Medical payments and PIP

Medical payments coverage helps with hospital bills for you and your passengers after an accident, regardless of who caused it. It kicks in fast and can cover deductibles, co-pays, and other gaps while a larger claim is being processed.

We handle tough situations too

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SR-22 filings Need to reinstate your license after a DUI, lapse in coverage, or too many points? We file SR-22 certificates with the Nevada DMV and find carriers that specialize in high-risk drivers.

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Motorcycles and specialty vehicles Motorcycles, ATVs, classic cars, and kit cars all need specialized coverage. We have markets that understand these vehicles and price them fairly.

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Multi-vehicle households Insuring multiple cars on one policy usually saves money. We bundle your vehicles and look for multi-car discounts across our carrier partners.

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Switching carriers Currently insured but paying too much? We compare your existing coverage against our markets — same limits, same deductibles — and show you whether a switch makes sense.

How to save on auto insurance in Nevada

Several factors affect your auto premium — driving record, age, vehicle type, credit-based insurance score, and zip code. Here are a few things that can help bring the cost down:

Bundle policies. Carrying auto and home (or renters) with the same carrier usually triggers a multi-policy discount that can save ten to twenty percent.

Choose the right deductible. A higher deductible lowers your monthly premium. We help you find the sweet spot where the savings justify the out-of-pocket risk.

Ask about discounts. Good driver, good student, defensive driving course, anti-theft device, low mileage — carriers offer more discounts than most people realize. We make sure you get every one you qualify for.

Don't just renew blindly. Rates change every six months. Letting us re-shop your file at renewal can uncover significant savings even if your driving record hasn't changed.

Nevada minimum coverage is 25/50/20. That means $25,000 per person / $50,000 per accident for bodily injury and $20,000 for property damage. We often recommend higher limits — the cost difference is usually smaller than people expect and the protection is substantially better.

Common questions about auto insurance

It varies widely depending on your age, driving record, vehicle, and zip code. Nevada tends to be higher than the national average due to population density and uninsured driver rates. That's exactly why shopping multiple carriers matters — the spread between the cheapest and most expensive quote for the same coverage can be hundreds of dollars per year.

If you own your car outright, liability-only is legal. But if your vehicle would be expensive to replace, collision and comprehensive coverage is worth considering. If you have a loan or lease, your lender will require full coverage.

Yes. We work with non-standard carriers that specialize in drivers with accidents, tickets, DUIs, or lapses in coverage. Rates will be higher than standard, but we shop multiple markets to find the most competitive option available.