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nevada car insurance that’s right for you, not someone sorta like you

Welcome to our guide on Nevada auto insurance. Here you can find a convenient listing of all the coverage and savings options that help make Esurance one of the most reliable names on your insurance landscape.

Just as Nevada is an irresistible blend of frontier tradition and neon invention, Esurance combines old-school, trustworthy service with modern innovations. CoverageMyWay™, for instance, prioritizes available coverage options so you can choose what's right for you, not someone sorta like you. Start your free quote to start enjoying the quality coverage we've been providing to Nevada drivers since back in '04.

nevada car insurance discounts

Tired of gambling on big winnings? You're in luck — starting a Nevada car insurance quote with Esurance can help you put major green back in your wallet if you qualify for these money-savers:

  • Fast 5® discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Safety Device discount
  • Good Student discount
  • Defensive Driver discount
  • Claim-Free discount

Discounts are subject to availability. If you already have an Esurance policy and have questions about your car insurance discounts in Nevada, give us a call at 1-800-ESURANCE ( 1-800-378-7262).

nevada auto insurance coverages

Required coverages

All Nevada drivers are required to maintain liability insurance with at least the following limits:

  • $15,000 in bodily injury liability coverage per person
  • $30,000 in bodily injury liability coverage per accident
  • $10,000 in property damage liability coverage per accident

These limits will often appear as 15/30/10. You can choose more coverage, if you feel you need it, when you get your quote.

Optional coverages

What would Nevada be without some (always tasteful) excess? At Esurance we feel the same way. That's why you can supplement your basic Nevada liability insurance with the following options for added financial protection:

  • Comprehensive
  • Collision
  • Uninsured/underinsured motorist bodily injury
  • CarMatch Rental Coverage®
  • Customized parts and equipment
  • Auto loan/lease (or "gap")
  • Medical and funeral services payments
  • Towing and labor

car repair shops in your state

Esurance customers who have car insurance in Nevada can take their cars to repair facilities in our E-star® network. They can also take advantage of RepairView® plus guaranteed repairs for as long as the car is theirs.

Find an E-star repair shop near you.

how your nevada car insurance rates could be determined

The following factors could impact what you pay for your auto insurance policy:

  • Past driving record and claims history
  • ZIP Code where your car is parked
  • Age and number of years licensed
  • Marital status and gender
  • Insurance history, including lapses
  • The year, make, and model of your car
  • Credit-based insurance score
  • Discounts, coverages, and limits

Driving without car insurance

Drivers who fail to maintain car insurance in Nevada or have repeated lapses in liability insurance may have their car's registration suspended and have to pay a $250 reinstatement fee per vehicle.

insurance stats and facts

Uninsured drivers in Nevada

The Insurance Research Council estimated that 12.2 percent of Nevada drivers were uninsured in 2012, which was on par with the national average of 12.6 percent.

Uninsured/underinsured motorist coverage offers financial protection against accidents with uninsured drivers, as well as hit-and-run incidents.

Car theft and Nevada

The 10 most stolen cars in Nevada, per the National Insurance Crime Bureau's 2013 data, are:

  1. 1996 Honda Accord
  2. 1995 Honda Civic
  3. 1996 Chevrolet Pickup (full-size)
  4. 2013 Ford Pickup (full-size)
  5. 1991 Toyota Camry
  1. 2004 Dodge Pickup (full-size)
  2. 2012 Nissan Altima
  3. 1996 Nissan Sentra
  4. 2013 Toyota Corolla
  5. 1996 Saturn SL

Living in a ZIP Code with frequent car thefts could impact your Nevada car insurance rates.

Don't worry, though: from driving safely to paying your premium on time, there are plenty of ways take control of your policy and keep your Nevada car insurance rates in check.

Comprehensive coverage, which is optional unless your loan or leasing agent requires it, can help pay to repair or replace a stolen car.

Related links

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Wonder if you could be saving on car insurance?

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