Best car insurance in Nevada for 2025

Why Geico made our list: Geico typically offers Nevada drivers exceptionally low rates, based on our research into what the average driver is paying. If you’ve got a few dings on your driving record, it might also be a good company to check into as it won the 2025 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers. We found that Geico provides not only some of the cheapest average rates but also an array of discounts to potentially lower costs even more. For example, Geico's telematics program, DriveEasy, may lower your rate if you are a safe driver. Eligible government and military members may also save extra. It did, however, score below average in the 2024 J.D. Power Auto Insurance Study in the Southwest region as well as the 2024 U.S. Auto Claims Satisfaction Study, so if customer service is your top priority, it may not be right for you.

Who Geico may be good for: If you’re looking for an inexpensive, fairly basic car insurance policy with lots of discount opportunities, Geico could be the company for you.

Why Progressive made our list: Progressive has some of the best digital tools of all the carriers we assessed. The company earned high enough marks in J.D. Power's 2024 Insurance Digital Experience study, ranking first in service and ninth in shopping, which is still above average. Its user-friendly tools like ‘Name Your Price’ allow even first-time buyers to easily find a policy based on their budget and coverage needs. Existing customers can handle policy adjustments and other tasks through Progressive's highly-rated online account management portal or mobile app. Its claims and customer satisfaction scores fell below the mark in J.D. Power’s 2024 studies, though, so it may not meet your needs if you want a great customer experience.

Who Progressive may be good for: Drivers who prioritize a balance of digital tools and coverage options may want to get a quote from Progressive.

Why State Farm made our list: State Farm is the largest car insurance company in the U.S. by market share and primarily operates through a wide network of neighborhood agents. Working with a local agent could have benefits, like enjoying personalized service. Those who prefer a more digital approach are in luck, too. State Farm scored above average in J.D. Power’s 2024 U.S. Insurance Digital Experience Study for service as well. The company also clinched above average scores in the 2024 Auto Insurance and Claims Satisfaction studies, indicating its customers are pretty happy with its service. Although State Farm tends to offer low average rates to many types of Nevada drivers, safe drivers may especially want to add the insurer to their list of potential companies, as it won our 2025 Bankrate Award for Best Auto Insurance for Safe Drivers due to its many discount opportunities for those who are most careful on the road. It does not, however, offer gap insurance or the ability to purchase accident forgiveness (although the latter can be earned).

Who State Farm may be good for: Although the company’s coverage options may not be as robust as some, drivers who like to have a one-on-one relationship with their insurance agent might enjoy the customer service experience State Farm has to offer.

Why USAA made our list: In our opinion, USAA offers Nevada’s best car insurance for military-focused coverage—that’s just one reason that it won our 2025 Bankrate Award for Best Auto Insurance Company Overall (tied with Amica). To purchase a USAA insurance policy, however, you must be active-duty military, a veteran or an eligible family member, which is one reason it did not win overall and is also why it can’t be ranked by J.D. Power officially, even though it is consistently highly rated for customer and digital satisfaction. Those who do qualify will likely enjoy its unique military-focused benefits. For instance, policyholders who garage their cars on a military installation might pay less for comprehensive coverage. Additionally, if you are deployed and put your vehicle into storage, you could save up to 60 percent. If you’re looking for ways to spend less on everyday products and services, the USAA Perks program may also be of interest. Here, policyholders can find exclusive discounts on rental cars, meal subscription plans, vehicle repair, home security systems and more.

Who USAA may be good for: USAA could be a great company if you’re looking for top-notch customer service and military-focused benefits not found with other carriers (as long as you meet eligibility guidelines).

Why American Family made our list: While not the cheapest for car insurance in the state based on its average rates, American Family does offer compelling savings when you bundle home and auto policies. Its bundling discount may reduce premiums by up to 23 percent on both policies (according to its website), helping offset somewhat high average auto rates. American Family also offers a variety of other car insurance discounts, including savings opportunities for safe drivers, responsible payers and parents with teen drivers on their policy. For shoppers who value service, AmFam ranked third in customer satisfaction in J.D. Power's 2024 Auto Insurance Study for the Southwest region and above average for shopping and service in its digital study, but came in just below the mark for claims satisfaction. 

Who American Family may be good for: American Family could be ideal for Nevadans who are shopping for both home and auto insurance and value low average home insurance rates coupled with customer satisfaction.