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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 helps you put major green back in your wallet with these auto discounts:

  • 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.

In addition to liability insurance, drivers in Nevada are also required to have uninsured and underinsured motorist bodily injury coverage on their policies, although they can be rejected in writing by the policyholder.

Optional coverages

What would Nevada be without some (always tasteful) excess? At Esurance we feel the same way. That's why we supplement your basic Nevada liability insurance with the following optional coverages:

  • Comprehensive coverage
  • Collision coverage
  • CarMatch Rental Coverage®
  • Customized parts and equipment coverage
  • Loan/lease gap coverage
  • Medical and funeral services coverage
  • Towing and labor coverage

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 are determined

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

  • Past driving record
  • Where you live
  • Gender and age
  • Marital status
  • Prior insurance coverage
  • The 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

A 2011 report from the Insurance Research Council estimated that 13 percent of Nevada drivers were uninsured in 2009, which was on par with the national average of 13.8 percent.

Uninsured motorist coverage offers financial protection from the uninsured.

Car theft and Nevada

The 10 most stolen cars in Nevada, per the National Insurance Crime Bureau's 2012 data, are:

  1. 1996 Honda Accord
  2. 1995 Honda Civic
  3. 2006 Ford Pickup (full-size)
  4. 1999 Chevrolet Pickup (full-size)
  5. 1991 Toyota Camry
  1. 2005 Dodge Pickup (full-size)
  2. 1993 Nissan Sentra
  3. 1997 Nissan Altima
  4. 2003 Toyota Corolla
  5. 1997 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 replace a stolen car.

Related links

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Wonder if you could be saving on car insurance?

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