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The effect of DUIs and accidents on insurance premiums in Nevada

Nevada is the 16th least expensive auto insurance state in the United States. With an annual average insurance rate of $1341, Nevada’s insurance rate is around $150 less than the national average.

Las Vegas, however, has an annual average insurance rate of $1869. Las Vegas and North Las Vegas are the two most expensive zip codes in Nevada. If you live here and get into an accident or are convicted of an alcohol-related offense, your insurance premiums will witness an astronomical increase. Let’s consider these two factors and their effect on insurance premiums.

Driving under the influence (DUI) is an offense in Nevada, and Nevada has an implied consent and open container law that aim to discourage inebriated driving. Operating a vehicle under the influence of prescription drugs is also considered an offense. If you’re convicted of one of these offenses, your insurance premium will increase from $1869 to $3476 in Las Vegas.

The table below shows the average premium increase after a DUI conviction –

City/State Zip code Average Annual Premium ($) Average Premium after DUI conviction ($)
Elko 89801 1,006 1,871
Carson City 89701 1,030 1,916
Virginia City 89440 1,078 2,005
Reno 89501 1,100 2,046
Sparks 89431 1,119 2,081
Mesquite 89027 1,198 2,228
Boulder City 89005 1,245 2,316
Nevada 89820 1,341 2,494
Henderson 89002 1,371 2,550
North Las Vegas 89030 1,867 3,473
Las Vegas 89101 1,869 3,476

The premium increase after an increase depends on the magnitude of damage caused by the accident. If you were involved in an accident that caused major property damage or serious injuries, your premium could double.

The table below shows the premium increase after one or two accidents –

City/State Zip code Average Premium($) Average premium after one accident ($) Average premium after two accidents ($)
Elko 89801 1,006 1,239 1,848
Carson City 89701 1,030 1,269 1,892
Virginia City 89440 1,078 1,328 1,981
Reno 89501 1,100 1,355 2,021
Sparks 89431 1,119 1,378 2,056
Mesquite 89027 1,198 1,475 2,201
Boulder City 89005 1,245 1,533 2,287
Nevada 89820 1,341 1,652 2,464
Henderson 89002 1,371 1,689 2,519
North Las Vegas 89030 1,867 2,299 3,430
Las Vegas 89101 1,869 2,302 3,434

It is evident from the above tables that a DUI conviction is more expensive insurance-wise than two accidents on your record. If you are convicted of a DUI, you could try to bring down your insurance rates by taking a defensive driving course. It could help lower your premiums, as well as make you a better driver.

Nevada Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Nevada, NV.

Lowest Rate:$1000
Average Rate:$1300
Highest Rate:$2600

Recent Savings From Top Providers in Nevada

Rank Customer Zipcode Amount Saved
1 89820 $309
2 89001 $302
3 89003 $300
4 89004 $298

Compare Auto Insurance Companies in Nevada

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
Allstate A+ 1931
GEICO A++ 1936
Farmers A 1928
Nationwide A+ 1925
Liberty Mutual A 1912
American Family A 1927

Nevada Auto Insurance Requirements

Minimum limits of liability for auto insurance in Nevada as per NV State Laws

Bodily Injury Liability

  • $15,000 for death/injury of any one person, per accident.
  • $30,000 for all persons per accident.

Property Damage Liability

  • $10,000 per accident.

Nevada Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Nevada is the vehicle's make and model. Especially the vehicle's theft rates in Nevada

MakeInsurance Average PremiumView Details
MakeInsurance Average PremiumView Details

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