Nevada Car Insurance Guide
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Nevada
Nevada Statistic Summary
Road Miles 42,815
Registered Vehicles 2.17m
State Population 3,034,392
Percentage of
Uninsured Motorists
10.60
Driving Deaths Speeding: 95 Drunk Driving: 89
Average Premiums Annually
Liability: $681.56 Collision: $303.86 Comprehensive: $117.63
Cheapest Provider: USAA

Searching for the best Nevada car insurance rates can be a stressful experience. Even if you know what to look for, you can still get lost along the way or end up meeting some dead ends. Without a road map to guide you, you may wind up on a road to nowhere that leads to disappointment and frustration.

That’s why we’ve compiled this comprehensive guide. It’s here to help you, the fearless researcher searching for information to help you make the right decision for your car insurance needs without all the hassles and the hype.

We know your time is valuable and that you can’t afford to waste it, so we’ve gathered vital data on Nevada car insurance laws, driving and safety laws, coverage requirements, and more factors that can affect your rates.

We’re almost ready to make the first stop along the journey.

But first, find out how much you can save on Nevada car insurance — compare rates with our FREE tool above today.

Table of Contents

Nevada Insurance Coverage & Rates

With Las Vegas being the Entertainment Capital of the World and Reno known as The Biggest Little City in the World, it’s not hard to imagine you’ll find plenty of amusement here.

However, when it comes to shopping for car insurance, it’s not always fun and games. Thinking about the coverage you need, the research involved, and what it takes to get set up with a provider can make you feel overwhelmed.

But there’s no need to break into a sweat. We’ve completed the hard work for you. From state car insurance requirements to coverage options, state and insurance laws to statistics, we’ve got all the information you need.

Let’s get ready to learn more about your car insurance options.

Nevada’s Car Culture

Popular TV shows shot in Las Vegas, such as “Counting Cars,” “Strip N’ Rip,” and “Pawn Stars,” often feature hot rods and motorcycles that promote the state’s rich car culture. Ice and snow are rare in the southern part of the state; cars there tend not to rust, and remain in good shape, making it an ideal marketplace for classic car collectors.

According to the Reno Gazette-Journal, more than 22,000 classic cars are registered in Nevada.

Having a classic car license plate lets you avoid smog tests if the car is driven less than 5,000 miles per year. The state also doesn’t monitor the odometers. Among the most popular vintage vehicles in Nevada are the 1969 Chevrolet Camaro and the 1987 Suzuki Samarai.

According to The Hartford, with miles of desert and open road outside Las Vegas and Reno, there are plenty of places to drive and embrace the romance of road trips along lonely highways. Also, Auto Insurance Center’s 2nd Annual Study of America’s Deadliest Counties and States reports that Nevada is one of the safest states to drive.

If that weren’t enough, the state is also home to the National Automobile Museum.  For a comprehensive look at the history of cars, you can check out the Reno-based attraction houses more than 200 cars from the late 1800s to the space age.

Nevada hosts many race tracks, most notably the Las Vegas Motor Speedway, the largest in the country, a track where major NASCAR events take place.

There is no shortage of symbols of the state’s passion for cars.

Nevada Minimum Coverage

It’s unsafe to drive without insurance, and in Nevada, you must have it if you drive. Nevada state insurance laws require drivers to buy car insurance in the following minimum amounts:

Insurance RequiredCoverage
Bodily Injury Liability Coverage$25,000 per person
$50,000 per accident
Property Damage Liability Coverage$20,000 per accident

More about these coverages and why you need them appears below.

  • $20,000 per accident to cover the total property damage from an accident the driver caused
  • $25,000 per person to cover the bodily injury or death of any person from an accident the driver caused
  • $50,000 per accident to cover total bodily injury or death liability that occur from a crash the driver caused

Liability coverage exists to cover things like property damage expenses, medical bills, and other costs a driver, passenger, or pedestrian who suffers losses incurs in an accident you cause.

But those requirements are just the minimum. To better protect yourself and others, it makes sense to buy more coverage than required, if you can afford it.

Also, in Nevada, whoever causes an accident is responsible, or “at fault,” for any damages. If you lack enough coverage to pay for all the costs, you may need to pay out of pocket.

Your insurance won’t cover damages someone else causes. For more protection, you may need MedPay, Personal Injury Protection (PIP), or collision coverage.

This video further explains liability insurance in Nevada:

Forms of Financial Responsibility

If an officer pulls you over in Nevada, you’re required to show proof of insurance, such as your insurance card or the declarations page of your current insurance policy.

Your card is also acceptable in electronic form on a mobile device, too. It should be easy to read and show your name and policy information, just like the paper card.

There’s also the LIVE program from the Nevada Department of Motor Vehicles (DMV), which can verify your coverage in real-time.

Otherwise, if you can’t provide proof or aren’t covered, an officer may give you a ticket.

If your license has been revoked, an SR-22 form is your proof of financial responsibility until your license is reinstated. The Nevada DMV requires drivers to update these forms for three years, otherwise, the DMV will suspend their licenses and a new three-year period to maintain the SR-22 will begin.

If you are required to maintain an SR-22 filing as a condition of your reinstatement, you must maintain it for three years from the date you reinstate your driver’s license.

The DMV asks drivers to ensure they have the correct address on their driver’s licenses to ensure they receive DMV notices.

Premiums as a Percentage of Income

The average Nevada resident’s annual 2017 disposable income — after they paid taxes — was $46,159.

With an average yearly cost of roughly $1,100, Nevada residents spend about 3 percent of their income on car insurance premiums. Average annual Nevada car insurance premiums cost $200 less than the national average of $1,311 per year.

From 2012 – 2014, car insurance premium costs in Nevada rose by about $60, while the percentage of the income spent remained steady.

Their average cost of premiums was higher than those of neighboring states California, Idaho, Utah, Oregon, and Arizona.

Arizona came close to matching the percentage that Nevadans pay for insurance, but the rest of the border states paid rates closer to 2 percent from 2012 – 2014. All border states had average annual premium rates under $1,000.

Out of an average monthly income of $3,850 to cover expenses such as housing and food, $92 of Nevada drivers’ earnings go to insurance. Use our calculator below to find out how much you spend on car insurance.

CalculatorPro

Nevada Core Coverage

The table below contains the most recent average rate data from the National Association of Insurance Commissioners.

Coverage TypeAnnual Costs in 2015
Liability$681.56
Collision$303.86
Comprehensive$117.63
Combined$1,103.05

Overall, the average cost of a combined or full coverage policy — just over $1,100 — is $200 less than the annual U.S. average of $1,311. Expect Nevada car insurance rates to rise significantly in 2019 and later.

As we mentioned earlier, mandatory liability coverage protects you from damages in an accident someone else caused.

Nevada car insurance laws don’t require collision coverage, but it’s helpful to have it for damage protection regardless of who is at fault. It will cover the cost of repairs or the replacement of your vehicle.

Comprehensive coverage insures you in case of theft, or damage to your vehicle from other causes — such as hail damage, a flood, or a fire.

Full or combined coverage includes all three types of insurance, and, depending on your options, might be the most affordable choice for the most protection.

Read on to find out about additional liability coverage options.

Additional Liability

The table below, filled with data from NAIC, shows Nevada car insurers’ average loss ratios for Medical Payments (MedPay) and uninsured/underinsured motorist coverage.

An insurer’s loss ratio compares how much they earn on premiums to the number of claims they pay for each $100 in claims. For example, a loss ratio of 60 percent means the company pays an average of $6o in claims.

Loss Ratio201520142013
Medical Payments (MedPay)79.0078.3281.58
Uninsured/Underinsured Motorist Coverage98.40107.13101.86

As shown above, some Nevada car insurers had loss ratios over 100 percent. A ratio over 100 reveals that the company paid more in claims than it earned on premiums, which signals they’re taking a loss on those claims. For the most part, the table shows that Nevada car insurance companies have made profits despite the claims filed.

On the other hand, the table also shows Nevada car insurance companies are enjoying average gains to losses in a healthy range for MedPay coverage. The NAIC’s 2018 Auto Insurance Database Report has loss ratio data for Personal Injury Protection (PIP).

MedPay and Personal Injury Protection (PIP) cover the costs of injuries you or your passengers suffer from an accident, regardless of who caused it. It will also cover you if you’re in a pedestrian/motor vehicle accident.

If you get in an accident with an at-fault motorist who lacks coverage or doesn’t have enough of it to pay the cost of damages, then uninsured/underinsured motorist insurance will cover those costs.

Nevada currently ranks 29th nationwide for uninsured motorists.

More coverage is optional, but it’s worth considering for greater protection after an accident.

The video below details how much car insurance Nevada drivers need:

Add-Ons, Endorsements, Riders

Here are more coverage options you can add to a basic Nevada car insurance policy:

Male vs. Female Rates in Nevada

We partnered with Quadrant Data to provide the premium data in the tables below.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$3,213.12$3,187.35$2,980.43$3,148.67$10,608.38$12,771.99$3,436.69$3,631.01
American Family Mutual$3,166.61$3,166.61$2,821.83$2,821.83$10,708.72$14,014.29$3,166.61$3,653.13
Mid-Century Ins Co$3,309.54$3,398.72$3,017.95$3,407.39$11,011.64$11,728.64$4,410.53$4,434.89
Geico Cas$2,764.87$2,674.83$2,816.04$2,873.57$6,851.05$6,237.15$2,737.80$2,324.96
Safeco Ins Co of IL$3,084.15$3,335.64$3,041.79$3,434.95$14,026.77$15,639.03$3,477.93$3,637.13
Depositors Insurance$2,362.11$2,414.50$2,152.73$2,282.29$5,805.75$6,979.24$2,808.27$2,994.55
Progressive Direct$2,182.18$1,873.41$1,904.77$1,899.44$9,436.38$10,231.11$2,535.15$2,328.90
State Farm Mutual Auto$3,496.78$3,496.78$3,171.99$3,171.99$10,846.02$13,863.57$3,917.14$4,378.51
Travelers Home & Marine Ins Co$2,107.82$2,137.13$2,013.94$2,011.37$11,261.00$18,350.69$2,332.62$2,582.53
USAA$2,044.07$2,007.42$1,960.43$1,948.62$5,313.62$5,987.19$2,576.44$2,740.28

As you can see, men pay more for car insurance than women, and inexperienced teen drivers usually pay the highest rates. The rates begin to nosedive slightly by age 25 and continue as the driver ages.

From ages 35 – 60, there isn’t much of a cost difference. For instance, Mid-Century Insurance Company charges 35-year-old male drivers nearly $90 more yearly than female drivers of the same age. Other carriers charge them the same rates.

Below, the table shows average annual rates for each age group by gender. Sometimes, age affects the cost of premiums more than gender does.

CompanyDemographicAverage Annual RateRank
Travelers Home & Marine Ins CoSingle 17-year old male$18,350.691
Safeco Ins Co of ILSingle 17-year old male$15,639.032
Safeco Ins Co of ILSingle 17-year old female$14,026.773
American Family MutualSingle 17-year old male$14,014.294
State Farm Mutual AutoSingle 17-year old male$13,863.575
Allstate F&CSingle 17-year old male$12,771.996
Mid-Century Ins CoSingle 17-year old male$11,728.647
Travelers Home & Marine Ins CoSingle 17-year old female$11,261.008
Mid-Century Ins CoSingle 17-year old female$11,011.649
State Farm Mutual AutoSingle 17-year old female$10,846.0210
American Family MutualSingle 17-year old female$10,708.7211
Allstate F&CSingle 17-year old female$10,608.3812
Progressive DirectSingle 17-year old male$10,231.1113
Progressive DirectSingle 17-year old female$9,436.3814
Depositors InsuranceSingle 17-year old male$6,979.2415
Geico CasSingle 17-year old female$6,851.0516
Geico CasSingle 17-year old male$6,237.1517
USAASingle 17-year old male$5,987.1918
Depositors InsuranceSingle 17-year old female$5,805.7519
USAASingle 17-year old female$5,313.6220
Mid-Century Ins CoSingle 25-year old male$4,434.8921
Mid-Century Ins CoSingle 25-year old female$4,410.5322
State Farm Mutual AutoSingle 25-year old male$4,378.5123
State Farm Mutual AutoSingle 25-year old female$3,917.1424
American Family MutualSingle 25-year old male$3,653.1325
Safeco Ins Co of ILSingle 25-year old male$3,637.1326
Allstate F&CSingle 25-year old male$3,631.0127
State Farm Mutual AutoMarried 35-year old female$3,496.7828
State Farm Mutual AutoMarried 35-year old male$3,496.7828
Safeco Ins Co of ILSingle 25-year old female$3,477.9330
Allstate F&CSingle 25-year old female$3,436.6931
Safeco Ins Co of ILMarried 60-year old male$3,434.9532
Mid-Century Ins CoMarried 60-year old male$3,407.3933
Mid-Century Ins CoMarried 35-year old male$3,398.7234
Safeco Ins Co of ILMarried 35-year old male$3,335.6435
Mid-Century Ins CoMarried 35-year old female$3,309.5436
Allstate F&CMarried 35-year old female$3,213.1237
Allstate F&CMarried 35-year old male$3,187.3538
State Farm Mutual AutoMarried 60-year old female$3,171.9939
State Farm Mutual AutoMarried 60-year old male$3,171.9939
American Family MutualMarried 35-year old female$3,166.6141
American Family MutualMarried 35-year old male$3,166.6141
American Family MutualSingle 25-year old female$3,166.6141
Allstate F&CMarried 60-year old male$3,148.6744
Safeco Ins Co of ILMarried 35-year old female$3,084.1545
Safeco Ins Co of ILMarried 60-year old female$3,041.7946
Mid-Century Ins CoMarried 60-year old female$3,017.9547
Depositors InsuranceSingle 25-year old male$2,994.5548
Allstate F&CMarried 60-year old female$2,980.4349
Geico CasMarried 60-year old male$2,873.5750
American Family MutualMarried 60-year old female$2,821.8351
American Family MutualMarried 60-year old male$2,821.8351
Geico CasMarried 60-year old female$2,816.0453
Depositors InsuranceSingle 25-year old female$2,808.2754
Geico CasMarried 35-year old female$2,764.8755
USAASingle 25-year old male$2,740.2856
Geico CasSingle 25-year old female$2,737.8057
Geico CasMarried 35-year old male$2,674.8358
Travelers Home & Marine Ins CoSingle 25-year old male$2,582.5359

Rates in Nevada’s Ten Largest Cities

Below, we’ve compared the average annual premium rates for the most and least expensive Nevada cities.

Ten Most Expensive CitiesTen Least Expensive Cities
CityZip CodeAverage RateCityZip CodeAverage Rate
Las Vegas89101$7486.53Fallon89406$3411.08
Henderson89074$6094.27Owyhee89832$3411.87
Reno89502$4360.16Winnemucca89445$3413.48
North Las Vegas89030$7347.44Lovelock89419$3428.28
Paradise89120$6856.41Wells89835$3430.06
Sunrise Manor89122$6808.18Tuscarora89834$3434.38
Spring Valley89148$6782.42Spring Creek89815$3434.84
Enterprise89123$6105.08Ruby Valley89833$3437.66
Sparks89431$4280.7Elko89801$3451.43
Carson City89701$3701.65Carlin89822$3456.72

Unsurprisingly, the cities with the highest populations generally post higher rates than those with fewer citizens. This shows how much the area where you live can affect rates. For example, the cost difference between the most expensive premium, in Las Vegas, and the cheapest, in Carlin, is a whopping $4,000.

Cheapest Rates by Zip Code

Let’s take a bigger view of the difference in average annual premium costs for zip codes throughout Nevada. If you can’t find your town on the list, try searching in the bar above.

CityZipcodeAverageZipcodeAverageAllstate F&CAmerican Family MutualMid-Century Ins CoGeico CasSafeco Ins Co of ILDepositors InsuranceProgressive DirectState Farm Mutual AutoTravelers Home & Marine Ins CoUSAA
LAS VEGAS89001$3,750.8989101$7,486.53$8,048.30$8,553.10$9,480.30$4,836.05$9,883.38$5,319.48$5,888.23$9,533.35$9,371.11$3,951.95
LAS VEGAS89002$5,582.9189102$7,376.44$8,048.30$8,409.97$9,480.30$5,120.65$9,545.82$5,166.70$5,994.61$9,241.46$8,794.42$3,962.16
LAS VEGAS89003$3,973.3289106$7,374.13$7,769.45$8,409.97$9,480.30$4,962.07$10,172.89$5,533.73$6,020.83$9,274.17$8,165.97$3,951.95
LAS VEGAS89004$5,596.9389104$7,360.29$7,272.17$8,553.10$9,480.30$4,808.57$9,617.41$5,060.70$6,334.43$9,503.70$9,020.61$3,951.95
NORTH LAS VEGAS89005$4,614.0289030$7,347.44$8,088.48$8,409.97$9,318.62$4,836.05$9,883.38$5,533.73$6,251.86$8,285.37$8,915.00$3,951.95
LAS VEGAS89007$4,203.7189107$7,255.06$7,273.19$8,409.97$9,480.30$4,927.35$9,638.95$4,791.34$6,042.04$9,232.25$8,862.80$3,892.43
LAS VEGAS89008$3,789.1889109$7,199.02$7,710.41$8,553.10$9,480.30$4,846.89$9,183.10$5,060.70$5,686.59$8,294.43$9,297.97$3,876.74
LAS VEGAS89010$3,611.3489110$7,189.04$7,638.37$8,553.10$9,318.62$4,735.03$9,325.59$5,382.89$5,830.40$9,304.06$8,097.44$3,704.95
LAS VEGAS89011$5,810.2489169$7,157.11$7,319.33$8,553.10$9,480.30$4,960.96$9,183.10$5,060.70$5,164.44$8,674.52$9,297.97$3,876.74
LAS VEGAS89012$5,687.0789146$7,073.86$7,611.76$8,409.97$9,480.30$5,119.94$8,278.72$5,166.70$6,302.95$8,675.02$7,700.06$3,993.24
LAS VEGAS89013$3,657.0489103$7,029.98$7,954.13$8,409.97$8,690.65$4,977.04$8,275.86$5,166.70$5,732.50$8,928.35$8,202.41$3,962.16
LAS VEGAS89014$5,964.1189121$6,944.29$7,564.25$8,284.68$9,480.30$4,652.70$8,323.80$4,954.07$5,799.01$9,135.53$7,371.80$3,876.74
LAS VEGAS89015$5,592.2789119$6,919.52$7,883.30$8,284.68$8,690.65$4,652.70$9,183.10$5,238.74$5,024.44$8,931.76$7,429.11$3,876.74
LAS VEGAS89017$3,760.0089156$6,903.68$7,452.92$7,876.90$9,318.62$4,737.88$8,276.43$5,103.24$6,432.02$8,465.05$7,832.08$3,541.66
LAS VEGAS89018$4,548.9189147$6,898.71$7,915.29$7,953.51$9,160.06$5,280.42$8,177.41$4,959.82$6,140.50$8,392.48$7,111.97$3,895.68
NORTH LAS VEGAS89019$4,769.1789032$6,879.48$7,769.45$8,409.97$9,318.62$4,190.21$8,636.05$4,933.96$5,456.27$8,675.45$7,591.30$3,813.50
LAS VEGAS89020$4,186.6289142$6,870.53$7,231.45$7,876.90$9,318.62$4,685.71$8,276.43$4,954.07$5,769.08$9,242.92$7,554.76$3,795.37
LAS VEGAS89021$4,545.4389117$6,861.26$7,915.29$8,184.95$8,485.83$5,307.64$8,378.44$4,948.36$5,793.08$8,493.85$7,111.97$3,993.24
LAS VEGAS89022$3,774.0089120$6,856.41$7,489.95$8,284.68$9,480.30$4,635.57$7,922.66$4,738.80$5,423.88$8,609.67$8,101.88$3,876.74
LAS VEGAS89023$4,320.4589108$6,830.19$6,748.50$7,876.90$9,318.62$4,318.70$8,317.02$4,791.34$5,730.61$9,255.16$8,052.63$3,892.43
LAS VEGAS89025$4,475.3289122$6,808.18$7,143.22$7,876.90$9,318.62$4,691.99$8,276.43$4,738.80$5,717.62$9,035.87$7,364.02$3,918.32
LAS VEGAS89026$4,643.5889118$6,803.81$7,620.98$7,953.51$8,690.65$5,158.39$8,275.86$4,978.20$5,899.43$8,520.80$7,151.05$3,789.24
LAS VEGAS89027$4,096.4989148$6,782.42$7,748.82$7,818.69$9,160.06$5,070.96$8,079.21$4,809.06$5,965.21$7,852.17$7,424.37$3,895.68
LAS VEGAS89029$4,572.3389115$6,731.08$6,336.10$7,876.90$9,318.62$4,193.14$9,570.04$4,969.50$5,651.34$8,558.04$8,049.05$2,788.04
LAS VEGAS89030$7,347.4489139$6,708.63$7,753.29$6,967.21$8,602.85$5,231.49$7,975.48$4,647.53$6,376.44$8,087.23$7,655.58$3,789.24
LAS VEGAS89031$6,478.1989128$6,592.48$6,728.87$8,184.95$8,485.83$4,287.10$7,998.88$4,665.41$5,790.97$8,380.51$7,438.02$3,964.26
LAS VEGAS89032$6,879.4889145$6,585.70$7,032.37$8,184.95$8,485.83$4,287.10$8,309.94$4,665.41$5,440.70$8,260.80$7,182.67$4,007.21
LAS VEGAS89033$5,797.3989179$6,583.81$7,768.42$6,610.58$9,160.06$5,222.35$8,419.64$4,526.94$5,017.65$7,550.30$7,666.47$3,895.68
LAS VEGAS89034$4,213.9789113$6,554.22$7,211.62$6,967.21$9,160.06$5,050.28$8,177.41$4,647.53$5,423.24$8,408.23$6,707.34$3,789.24
LAS VEGAS89039$4,495.8089178$6,523.70$6,890.02$6,610.58$9,160.06$5,158.39$8,079.21$4,526.94$5,657.99$7,833.77$7,424.37$3,895.68
LAS VEGAS89040$4,527.3089141$6,518.11$7,334.79$6,967.21$8,602.85$5,318.02$7,957.22$4,446.61$5,489.04$7,764.76$7,464.11$3,836.45
LAS VEGAS89042$3,781.9389158$6,508.30$6,748.50$8,553.10$9,480.30$4,318.70$9,183.10$5,060.70$5,218.90$5,145.97$7,832.08$3,541.66
NORTH LAS VEGAS89043$3,666.1489031$6,478.19$7,331.22$7,244.78$8,485.83$4,326.08$8,484.53$4,933.19$5,505.84$7,780.21$7,288.23$3,402.05
LAS VEGAS89044$5,713.3789161$6,461.55$8,013.37$5,330.75$9,160.06$3,477.01$9,183.10$4,526.94$5,476.35$7,583.60$8,322.66$3,541.66
LAS VEGAS89045$3,534.4189130$6,440.03$6,865.14$7,876.90$8,485.83$4,069.19$8,248.52$4,416.05$5,258.29$7,743.91$7,592.66$3,843.79
LAS VEGAS89046$4,576.2989183$6,327.10$7,254.97$6,967.21$8,602.85$4,487.19$8,151.48$4,446.61$5,212.74$8,056.46$6,255.03$3,836.45
LAS VEGAS89047$3,617.0089135$6,310.96$6,888.72$7,818.69$7,819.91$4,568.56$8,092.19$4,362.11$5,671.28$7,681.26$6,400.51$3,806.38
LAS VEGAS89048$4,492.0489199$6,285.39$7,231.10$5,330.75$9,480.30$4,652.70$9,057.59$5,238.74$5,024.44$5,145.97$8,904.30$2,788.04
NELLIS AFB89049$3,627.2889191$6,248.03$7,452.92$7,876.90$9,318.62$3,477.01$8,276.43$4,969.50$5,278.70$8,441.18$4,600.98$2,788.04
NORTH LAS VEGAS89052$5,986.0089087$6,236.06$6,589.11$8,409.97$7,145.80$4,295.37$8,484.53$5,533.73$6,265.79$5,145.97$7,088.27$3,402.05
LAS VEGAS89054$5,508.4189129$6,214.77$6,748.50$7,078.20$8,485.83$4,230.49$7,998.88$4,484.60$5,027.29$8,051.30$6,267.31$3,775.28
LAS VEGAS89060$4,470.1189138$6,129.99$6,888.72$6,669.23$7,819.91$4,540.02$8,142.28$4,251.58$5,590.24$6,974.62$7,316.80$3,106.51
LAS VEGAS89061$4,505.4489144$6,123.71$6,884.22$6,669.23$7,819.91$4,332.97$7,998.88$4,362.11$5,366.50$7,002.32$7,168.56$3,632.40
LAS VEGAS89067$4,763.3089165$6,119.23$6,865.14$5,330.75$7,145.80$3,477.01$8,498.42$4,476.42$5,651.34$7,502.24$8,703.52$3,541.66
LAS VEGAS89074$6,094.2789123$6,105.08$6,411.06$6,967.21$8,602.85$4,008.83$7,922.66$4,279.18$5,311.08$7,512.97$6,255.03$3,779.97
NORTH LAS VEGAS89081$6,097.1389081$6,097.13$6,944.30$7,244.78$8,485.83$4,156.71$6,865.80$4,476.42$4,935.08$7,362.78$7,711.55$2,788.04
HENDERSON89084$6,032.7989074$6,094.27$7,231.10$6,493.72$6,904.95$4,703.77$7,299.27$4,379.13$5,469.34$7,760.80$7,105.66$3,594.96
LAS VEGAS89085$6,014.6489134$6,068.78$6,728.87$6,669.23$7,819.91$4,391.12$7,998.88$4,665.41$5,515.58$7,142.07$6,124.29$3,632.40
LAS VEGAS89086$5,912.5589149$6,034.31$6,465.60$7,078.20$7,145.80$4,230.49$8,087.77$4,416.05$5,046.09$7,408.64$6,723.77$3,740.68
NORTH LAS VEGAS89087$6,236.0689084$6,032.79$6,865.14$7,244.78$7,145.80$4,278.44$7,889.70$4,549.77$4,918.01$7,509.06$6,758.47$3,168.79
LAS VEGAS89101$7,486.5389131$6,017.17$6,865.14$7,244.78$7,145.80$4,230.58$8,283.97$4,340.33$5,254.59$6,532.13$6,679.80$3,594.55
NORTH LAS VEGAS89102$7,376.4489085$6,014.64$6,865.14$7,244.78$7,145.80$4,261.88$7,717.29$4,549.77$4,757.14$7,502.24$7,088.27$3,014.07
HENDERSON89103$7,029.9889052$5,986.00$6,762.52$6,669.23$7,438.51$4,236.19$7,430.58$4,218.37$4,987.71$7,185.79$7,336.14$3,594.96
HENDERSON89104$7,360.2989014$5,964.11$7,143.22$6,493.72$6,904.95$4,470.72$7,321.50$4,412.13$4,905.02$7,498.85$6,731.89$3,759.11
NORTH LAS VEGAS89106$7,374.1389086$5,912.55$6,589.11$7,244.78$7,145.80$4,295.37$6,851.40$4,476.42$4,700.72$7,331.05$7,088.78$3,402.05
LAS VEGAS89107$7,255.0689143$5,907.97$6,465.60$7,078.20$7,145.80$4,420.94$8,087.77$4,156.60$5,122.52$6,843.90$6,336.41$3,422.00
HENDERSON89108$6,830.1989011$5,810.24$6,337.44$6,493.72$6,904.95$3,892.22$7,724.66$4,306.38$4,823.40$7,334.15$6,595.15$3,690.29
NORTH LAS VEGAS89109$7,199.0289033$5,797.39$6,855.93$7,244.78$7,145.80$4,289.74$6,616.96$4,549.77$5,222.71$5,145.97$7,088.78$3,813.50
HENDERSON89110$7,189.0489044$5,713.37$5,970.85$6,669.23$7,438.51$4,236.30$7,430.58$3,807.01$5,054.67$6,414.67$6,516.92$3,594.96
HENDERSON89113$6,554.2289012$5,687.07$6,270.94$6,669.23$7,438.51$3,916.59$7,299.27$4,379.13$4,424.68$6,616.82$6,260.58$3,594.96
BLUE DIAMOND89115$6,731.0889004$5,596.93$7,347.57$5,330.75$5,087.44$3,477.01$8,446.02$4,526.94$5,218.90$6,841.13$6,586.57$3,106.95
HENDERSON89117$6,861.2689015$5,592.27$5,692.37$6,493.72$7,242.44$3,921.91$7,406.70$4,133.45$4,642.86$6,603.14$6,131.33$3,654.79
HENDERSON89118$6,803.8189002$5,582.91$5,692.37$6,493.72$7,242.44$3,736.50$7,651.11$4,133.45$4,284.42$6,864.79$6,131.33$3,598.96
LAS VEGAS89119$6,919.5289166$5,539.07$5,776.23$5,330.75$7,145.80$4,420.94$8,087.77$4,156.60$4,899.94$5,207.08$7,258.63$3,106.95
SLOAN89120$6,856.4189054$5,508.41$6,411.06$5,330.75$5,087.44$3,477.01$7,649.04$3,278.18$5,492.04$7,816.48$6,705.62$3,836.45
LAS VEGAS89121$6,944.2989124$5,228.48$6,456.37$5,330.75$5,514.97$3,477.01$7,649.04$3,278.18$4,957.35$5,808.56$6,705.62$3,106.95
JEAN89122$6,808.1889019$4,769.17$6,456.37$5,330.75$5,087.44$3,477.01$5,471.24$3,278.18$5,148.59$5,437.45$4,534.92$3,469.71
COYOTE SPRINGS89123$6,105.0889067$4,763.30$5,424.60$5,330.75$5,087.44$3,477.01$6,233.74$3,278.18$5,427.51$5,145.97$4,391.35$3,836.45
JEAN89124$5,228.4889026$4,643.58$5,424.60$5,330.75$5,087.44$3,477.01$7,649.04$3,278.18$2,833.99$5,358.02$4,391.35$3,605.45
BOULDER CITY89128$6,592.4889005$4,614.02$5,766.98$5,161.19$5,087.44$3,726.31$6,746.98$3,278.18$3,632.52$5,266.75$4,366.89$3,106.95
SEARCHLIGHT89129$6,214.7789046$4,576.29$6,337.44$5,330.75$5,087.44$3,477.01$5,471.24$3,278.18$3,556.14$5,145.97$4,971.78$3,106.95
LAUGHLIN89130$6,440.0389029$4,572.33$6,337.44$5,330.75$4,531.81$3,477.01$5,473.21$3,278.18$3,037.94$4,865.38$6,284.62$3,106.95
INDIAN SPRINGS89131$6,017.1789018$4,548.91$5,779.77$5,330.75$5,087.44$3,477.01$5,957.20$3,278.18$4,655.31$4,828.04$3,988.43$3,106.95
LOGANDALE89134$6,068.7889021$4,545.43$5,424.60$5,161.19$5,087.44$3,477.01$6,233.74$3,278.18$3,787.75$5,506.14$4,391.35$3,106.95
OVERTON89135$6,310.9689040$4,527.30$5,424.60$5,161.19$5,087.44$3,477.01$6,233.74$3,278.18$3,484.97$5,627.56$4,391.35$3,106.95
PAHRUMP89138$6,129.9989061$4,505.44$4,970.26$4,375.11$6,124.86$3,470.76$6,190.13$3,279.40$4,415.03$5,013.98$4,494.42$2,720.50
CAL NEV ARI89139$6,708.6389039$4,495.80$6,337.44$5,330.75$5,087.44$3,477.01$5,471.24$3,278.18$2,833.99$5,063.20$4,971.78$3,106.95
PAHRUMP89141$6,518.1189048$4,492.04$4,963.43$4,375.11$6,124.86$3,470.76$6,190.13$3,279.40$4,354.45$4,967.64$4,474.19$2,720.50
MOAPA89142$6,870.5389025$4,475.32$5,424.60$5,330.75$5,087.44$3,477.01$6,216.11$3,278.18$2,833.99$5,606.78$4,391.35$3,106.95
PAHRUMP89143$5,907.9789060$4,470.11$4,963.43$4,375.11$6,124.86$3,470.76$6,190.13$3,279.40$4,390.68$4,888.85$4,297.36$2,720.50
RENO89144$6,123.7189502$4,360.16$4,480.81$4,458.57$5,141.78$3,628.06$5,543.97$3,190.76$3,908.31$5,178.41$5,314.11$2,756.81
MERCURY89145$6,585.7089023$4,320.45$6,623.66$4,247.71$6,124.86$2,935.94$5,415.60$2,535.31$4,223.75$4,285.73$4,195.23$2,616.68
RENO89146$7,073.8689509$4,318.19$4,387.62$4,701.37$5,141.78$3,490.17$5,516.58$3,190.76$3,744.41$5,211.40$5,041.04$2,756.81
RENO89147$6,898.7189501$4,308.50$4,353.16$4,701.37$5,141.78$3,717.85$4,998.72$3,190.76$3,934.26$5,568.30$4,775.26$2,703.59
RENO89148$6,782.4289519$4,293.24$4,387.62$4,458.57$5,141.78$3,628.53$5,516.58$3,021.96$3,547.36$5,504.12$5,041.04$2,684.80
SPARKS89149$6,034.3189431$4,280.70$4,387.62$4,701.37$5,341.05$3,723.15$4,957.20$3,000.32$3,825.13$5,226.48$4,743.47$2,901.21
CRYSTAL BAY89156$6,903.6889402$4,276.79$4,313.24$4,102.86$6,298.44$3,691.95$4,736.62$3,043.41$2,939.09$5,752.58$5,026.90$2,862.88
RENO89158$6,508.3089503$4,270.71$4,261.49$4,701.37$5,141.78$3,716.57$5,477.70$3,190.76$3,482.78$5,109.24$4,762.55$2,862.88
STATELINE89161$6,461.5589449$4,255.26$4,003.00$4,102.86$6,336.64$3,577.65$4,364.76$2,816.60$3,160.21$5,849.86$5,718.66$2,622.31
SUN VALLEY89165$6,119.2389433$4,237.31$4,261.49$4,701.37$5,341.05$3,626.78$4,878.17$3,000.32$3,755.46$5,262.67$4,682.86$2,862.88
RENO89166$5,539.0789512$4,226.10$4,261.49$4,701.37$5,141.78$3,724.41$5,074.76$3,000.32$3,827.36$5,233.93$4,432.72$2,862.88
SPARKS89169$7,157.1189434$4,217.12$4,479.30$4,458.57$4,937.32$3,503.50$5,177.13$3,000.32$3,749.33$5,468.33$4,496.22$2,901.21
MESQUITE89178$6,523.7089034$4,213.97$5,424.60$4,247.71$3,881.42$3,477.01$5,878.22$3,278.18$2,580.52$5,145.97$4,412.55$3,813.50
ZEPHYR COVE89179$6,583.8189448$4,208.43$3,853.98$4,102.86$6,336.64$3,577.65$4,364.76$2,816.60$3,527.83$5,776.84$5,104.79$2,622.31
RENO89183$6,327.1089521$4,205.94$4,459.72$4,458.57$5,141.78$3,559.76$4,627.42$3,207.52$3,481.87$5,189.95$5,181.38$2,751.45
BUNKERVILLE89191$6,248.0389007$4,203.71$5,424.60$5,161.19$3,881.42$3,477.01$6,233.74$3,278.18$2,404.98$4,677.73$4,391.35$3,106.95
RENO89199$6,285.3989506$4,198.94$4,185.59$4,458.57$5,033.35$3,536.94$5,311.28$2,952.59$3,733.80$5,285.24$4,629.13$2,862.88
AMARGOSA VALLEY89301$3,518.7689020$4,186.62$5,405.01$4,247.71$6,124.86$2,935.94$5,431.25$2,535.31$4,266.93$4,107.30$4,195.23$2,616.68
RENO89310$3,568.2389523$4,158.67$4,261.49$4,458.57$5,141.78$3,571.14$5,199.66$2,952.59$3,400.62$5,249.62$4,647.62$2,703.59
SPARKS89311$3,529.6589436$4,122.20$4,261.49$4,458.57$4,833.47$3,503.50$4,909.99$2,952.59$3,532.13$5,449.43$4,419.67$2,901.21
GLENBROOK89314$3,612.7389413$4,118.99$4,003.00$4,102.86$6,298.44$3,577.65$4,364.76$2,816.60$3,527.83$5,752.58$4,123.88$2,622.31
MESQUITE89316$3,556.0189027$4,096.49$5,424.60$4,247.71$3,881.42$3,477.01$5,878.22$3,278.18$2,580.52$4,677.73$4,412.55$3,106.95
RENO89317$3,513.9489508$4,093.90$4,185.59$4,458.57$5,141.78$3,536.94$4,998.72$2,878.87$3,638.66$5,065.80$4,171.21$2,862.88
SPARKS89318$3,524.2689441$4,089.00$4,261.49$4,458.57$4,833.47$3,176.90$4,932.22$3,000.32$3,638.66$5,305.79$4,419.67$2,862.88
RENO89319$3,522.0289511$4,083.86$4,024.07$4,458.57$5,085.68$3,577.65$4,674.50$3,021.96$3,417.76$5,205.80$4,726.47$2,646.15
RENO89402$4,276.7989557$4,083.67$4,261.49$4,247.71$5,141.78$3,717.85$5,477.70$2,952.59$3,400.62$4,285.73$4,647.62$2,703.59
INCLINE VILLAGE89403$3,584.2989451$4,083.26$4,313.24$4,102.86$3,619.53$3,691.95$4,736.62$3,043.41$3,728.02$5,707.18$5,026.90$2,862.88
VERDI89404$3,474.9589439$4,060.03$4,185.59$4,458.57$4,937.32$3,571.14$5,199.66$2,952.59$2,923.53$5,185.71$4,482.65$2,703.59
BEATTY89405$3,551.5189003$3,973.32$4,434.73$4,247.71$6,124.86$2,935.94$5,431.25$2,535.31$3,010.18$4,201.34$4,195.23$2,616.68
RENO89406$3,411.0889510$3,931.74$4,187.11$4,458.57$5,141.78$2,935.94$4,778.81$2,878.87$3,571.84$4,354.28$4,269.11$2,741.06
CALIENTE89408$3,553.1789008$3,789.18$5,424.60$4,247.71$3,314.88$2,935.94$4,831.57$2,535.31$3,752.54$4,373.32$3,859.26$2,616.68
PANACA89409$3,538.2589042$3,781.93$4,454.33$4,247.71$3,314.88$2,935.94$4,895.11$2,535.31$4,780.48$4,179.56$3,859.26$2,616.68
GENOA89410$3,544.1789411$3,779.91$4,003.00$4,102.86$3,783.38$3,481.28$4,275.90$2,816.60$3,544.88$5,276.91$3,891.96$2,622.31
WASHOE VALLEY89411$3,779.9189704$3,777.79$4,003.00$4,458.57$3,120.67$3,176.90$4,759.89$3,021.96$3,215.13$5,222.63$3,982.74$2,816.39
MANHATTAN89412$3,576.3889022$3,774.00$4,230.11$4,247.71$3,314.88$2,935.94$5,415.60$2,535.31$4,428.95$4,285.73$3,729.14$2,616.68
HIKO89413$4,118.9989017$3,760.00$4,434.73$4,247.71$3,314.88$2,935.94$5,326.95$2,535.31$3,724.69$4,285.73$4,177.38$2,616.68
CARSON CITY89414$3,507.0289705$3,752.62$4,003.00$4,102.86$3,783.38$3,481.28$4,633.92$2,816.60$3,211.56$4,643.14$4,224.20$2,626.26
ALAMO89415$3,497.6089001$3,750.89$4,434.73$4,247.71$3,314.88$2,935.94$5,342.60$2,535.31$3,752.54$4,158.84$4,169.63$2,616.68
CARSON CITY89418$3,487.5889703$3,740.66$4,003.00$4,102.86$3,783.38$3,517.09$4,618.27$2,618.76$3,200.55$4,730.13$4,237.79$2,594.78
CARSON CITY89419$3,428.2889706$3,722.98$4,003.00$4,102.86$3,783.38$3,481.28$4,633.92$2,633.46$3,223.90$4,696.04$4,077.19$2,594.78
CARSON CITY89420$3,609.4189702$3,712.29$4,003.00$4,102.86$3,783.38$3,481.28$4,618.27$2,633.46$3,019.64$4,616.94$4,237.79$2,626.26
CARSON CITY89422$3,630.3289701$3,701.65$4,003.00$4,102.86$3,783.38$3,481.28$4,618.27$2,633.46$3,019.64$4,611.23$4,168.61$2,594.78
NIXON89423$3,599.5089424$3,683.95$4,187.11$3,937.56$3,120.67$2,935.94$4,726.82$2,878.87$3,450.85$4,974.36$3,886.29$2,741.06
PIOCHE89424$3,683.9589043$3,666.14$4,454.33$4,247.71$3,314.88$2,935.94$4,895.11$2,535.31$3,395.54$4,406.65$3,859.26$2,616.68
GOLDFIELD89425$3,470.3789013$3,657.04$4,434.73$4,247.71$3,314.88$2,935.94$5,431.25$2,535.31$2,638.03$4,275.63$4,140.27$2,616.68
VIRGINIA CITY89426$3,468.9189440$3,650.41$4,024.07$3,937.56$3,120.67$2,994.32$5,109.35$2,772.10$3,208.96$4,260.84$4,382.27$2,693.93
MINA89427$3,468.4289422$3,630.32$4,012.51$4,247.71$3,120.67$2,935.94$5,307.76$2,535.31$3,064.82$4,285.73$4,218.99$2,573.74
TONOPAH89428$3,598.1889049$3,627.28$4,434.73$4,247.71$3,314.88$2,935.94$5,415.60$2,535.31$2,813.57$4,049.01$3,909.33$2,616.68
WADSWORTH89429$3,538.9289442$3,625.44$4,024.07$3,937.56$3,120.67$2,935.94$4,726.82$2,878.87$3,432.51$4,285.73$4,171.21$2,741.06
SILVERPEAK89430$3,502.5889047$3,617.00$4,434.73$4,247.71$3,314.88$2,935.94$5,251.67$2,535.31$2,638.03$4,285.73$3,909.33$2,616.68
DUCKWATER89431$4,280.7089314$3,612.73$4,032.11$4,247.71$3,314.88$2,935.94$5,415.60$2,535.31$2,889.62$4,285.73$3,853.70$2,616.68
DYER89433$4,237.3189010$3,611.34$4,434.73$4,247.71$3,314.88$2,935.94$5,251.67$2,535.31$2,420.49$4,215.68$4,140.27$2,616.68
LUNING89434$4,217.1289420$3,609.41$4,012.51$4,247.71$3,120.67$2,935.94$5,307.76$2,535.31$3,064.82$4,285.73$4,009.91$2,573.74
GARDNERVILLE89436$4,122.2089460$3,605.21$4,003.00$4,102.86$3,783.38$3,071.64$4,275.90$2,816.60$3,051.98$4,649.79$3,674.68$2,622.31
MINDEN89438$3,517.2089423$3,599.50$4,003.00$4,102.86$3,783.38$3,107.45$4,275.90$2,630.68$3,029.98$4,659.34$3,776.12$2,626.26
SILVER CITY89439$4,060.0389428$3,598.18$4,024.07$4,247.71$3,120.67$3,176.90$4,633.92$2,630.68$3,091.05$4,285.73$4,077.19$2,693.93
DAYTON89440$3,650.4189403$3,584.29$3,853.98$3,937.56$3,578.66$3,099.79$4,941.45$2,630.68$2,946.92$4,278.12$3,881.80$2,693.93
GERLACH89441$4,089.0089412$3,576.38$4,017.03$3,937.56$3,120.67$2,935.94$4,461.08$2,878.87$3,474.35$4,285.73$3,911.55$2,741.06
AUSTIN89442$3,625.4489310$3,568.23$4,012.51$4,247.71$3,314.88$2,935.94$4,899.81$2,535.31$2,944.42$4,285.73$3,932.26$2,573.74
EUREKA89444$3,533.9789316$3,556.01$4,032.11$4,247.71$3,314.88$2,935.94$4,899.81$2,535.31$3,107.57$4,277.60$3,635.45$2,573.74
FERNLEY89445$3,413.4889408$3,553.17$3,853.98$3,937.56$3,120.67$2,958.17$4,824.69$2,762.64$3,177.22$4,190.08$4,012.76$2,693.93
EMPIRE89447$3,465.9589405$3,551.51$4,017.03$3,937.56$3,120.67$2,935.94$4,461.08$2,878.87$3,432.60$4,104.03$3,886.29$2,741.06
GARDNERVILLE89448$4,208.4389410$3,544.17$3,853.98$4,102.86$3,398.05$3,107.45$4,275.90$2,816.60$2,928.33$4,712.22$3,674.68$2,571.69
SILVER SPRINGS89449$4,255.2689429$3,538.92$3,853.98$3,937.56$3,120.67$2,994.32$4,883.41$2,762.64$3,118.55$4,227.64$3,796.55$2,693.93
GABBS89451$4,083.2689409$3,538.25$4,012.51$4,247.71$3,120.67$2,935.94$5,001.20$2,535.31$2,760.38$4,285.73$3,909.33$2,573.74
ROUND MOUNTAIN89460$3,605.2189045$3,534.41$4,012.51$4,247.71$3,314.88$2,935.94$4,899.81$2,535.31$2,813.57$4,041.54$3,926.12$2,616.68
WELLINGTON89501$4,308.5089444$3,533.97$3,853.98$4,102.86$3,120.67$2,935.94$4,439.50$2,535.31$2,923.53$4,650.50$4,203.65$2,573.74
BAKER89502$4,360.1689311$3,529.65$4,032.11$4,247.71$3,314.88$2,935.94$4,775.13$2,535.31$2,699.29$4,285.73$3,853.70$2,616.68
MC GILL89503$4,270.7189318$3,524.26$4,032.11$4,247.71$3,314.88$2,935.94$4,778.71$2,535.31$2,889.62$4,037.98$3,853.70$2,616.68
CRESCENT VALLEY89506$4,198.9489821$3,522.86$4,032.11$4,247.71$3,120.67$2,935.94$4,613.21$2,535.31$2,972.63$4,285.73$3,911.55$2,573.74
RUTH89508$4,093.9089319$3,522.02$4,032.11$4,247.71$3,314.88$2,935.94$4,778.71$2,535.31$2,889.62$4,015.55$3,853.70$2,616.68
ELY89509$4,318.1989301$3,518.76$4,032.11$4,247.71$3,314.88$2,935.94$4,778.71$2,535.31$2,781.43$4,091.09$3,853.70$2,616.68
VALMY89510$3,931.7489438$3,517.20$4,012.51$4,247.71$3,120.67$2,935.94$4,460.46$2,535.31$2,921.11$4,285.73$3,911.55$2,741.06
LUND89511$4,083.8689317$3,513.94$4,032.11$4,247.71$3,314.88$2,935.94$4,769.26$2,535.31$2,870.11$4,285.73$3,531.72$2,616.68
MONTELLO89512$4,226.1089830$3,507.76$4,032.11$4,060.71$3,120.67$2,935.94$4,682.79$2,535.31$3,065.83$4,285.73$3,784.82$2,573.74
GOLCONDA89519$4,293.2489414$3,507.02$4,012.51$4,247.71$3,120.67$2,935.94$4,460.46$2,535.31$2,911.37$4,193.58$3,911.55$2,741.06
WEST WENDOVER89521$4,205.9489883$3,504.32$4,032.11$4,060.71$3,120.67$2,935.94$4,682.79$2,535.31$3,065.83$4,251.31$3,784.82$2,573.74
SMITH89523$4,158.6789430$3,502.58$4,003.00$3,937.56$3,120.67$2,935.94$4,439.50$2,535.31$2,941.77$4,196.68$4,341.67$2,573.74
HAWTHORNE89557$4,083.6789415$3,497.60$3,849.47$4,247.71$3,120.67$2,935.94$4,399.49$2,535.31$3,064.82$4,238.98$4,009.91$2,573.74
IMLAY89701$3,701.6589418$3,487.58$4,012.51$4,247.71$3,120.67$2,935.94$4,775.11$2,535.31$2,586.28$4,285.73$3,635.45$2,741.06
DENIO89702$3,712.2989404$3,474.95$4,012.51$4,247.71$3,120.67$2,935.94$4,372.72$2,535.31$2,586.28$4,285.73$3,911.55$2,741.06
BATTLE MOUNTAIN89703$3,740.6689820$3,471.07$4,012.51$4,247.71$3,120.67$2,935.94$4,519.53$2,535.31$2,620.81$4,232.92$3,911.55$2,573.74
OROVADA89704$3,777.7989425$3,470.37$4,012.51$4,247.71$3,120.67$2,935.94$4,379.95$2,535.31$2,596.03$4,222.97$3,911.55$2,741.06
LAMOILLE89705$3,752.6289828$3,470.27$4,032.11$4,060.71$3,120.67$2,935.94$4,684.24$2,631.58$3,065.83$4,285.73$3,312.12$2,573.74
PARADISE VALLEY89706$3,722.9889426$3,468.91$4,012.51$4,247.71$3,120.67$2,935.94$4,335.52$2,535.31$2,596.03$4,285.73$3,878.60$2,741.06
SCHURZ89801$3,451.4389427$3,468.42$3,849.47$4,247.71$3,120.67$2,935.94$4,450.28$2,535.31$2,799.99$4,285.73$3,885.34$2,573.74
YERINGTON89815$3,434.8489447$3,465.95$3,853.98$3,937.56$3,120.67$2,935.94$4,439.50$2,535.31$2,936.92$4,095.71$4,109.98$2,693.93
DEETH89820$3,471.0789823$3,464.10$4,032.11$4,060.71$3,120.67$2,935.94$4,727.26$2,535.31$2,624.45$4,285.73$3,745.13$2,573.74
JACKPOT89821$3,522.8689825$3,463.15$4,032.11$4,060.71$3,120.67$2,935.94$4,578.64$2,535.31$2,624.45$4,424.85$3,745.13$2,573.74
CARLIN89822$3,456.7389822$3,456.73$4,032.11$4,060.71$3,120.67$2,935.94$4,580.09$2,535.31$3,027.03$4,123.70$3,577.95$2,573.74
ELKO89823$3,464.1089801$3,451.43$4,032.11$4,060.71$3,120.67$2,935.94$4,684.24$2,631.58$2,667.27$4,230.11$3,577.95$2,573.74
RUBY VALLEY89825$3,463.1589833$3,437.66$4,032.11$4,060.71$3,120.67$2,935.94$4,602.12$2,535.31$2,624.45$4,285.73$3,605.85$2,573.74
SPRING CREEK89828$3,470.2789815$3,434.84$4,032.11$4,060.71$3,120.67$2,935.94$4,684.24$2,631.58$2,662.57$4,334.73$3,312.12$2,573.74
TUSCARORA89830$3,507.7689834$3,434.38$4,032.11$4,060.71$3,120.67$2,935.94$4,564.00$2,535.31$2,657.68$4,285.73$3,577.95$2,573.74
MOUNTAIN CITY89831$3,431.3089831$3,431.30$4,032.11$4,060.71$3,120.67$2,935.94$4,505.15$2,535.31$2,685.71$4,285.73$3,577.95$2,573.74
WELLS89832$3,411.8789835$3,430.06$4,032.11$4,060.71$3,120.67$2,935.94$4,682.79$2,535.31$2,576.54$3,998.00$3,784.82$2,573.74
LOVELOCK89833$3,437.6689419$3,428.28$4,012.51$4,247.71$3,120.67$2,935.94$4,386.51$2,535.31$2,586.28$4,081.33$3,635.45$2,741.06
WINNEMUCCA89834$3,434.3889445$3,413.48$4,012.51$4,247.71$3,120.67$2,935.94$4,359.85$2,453.46$2,521.14$4,106.98$3,635.45$2,741.06
OWYHEE89835$3,430.0689832$3,411.87$4,032.11$4,060.71$3,120.67$2,935.94$4,505.15$2,535.31$2,522.37$4,254.77$3,577.95$2,573.74
FALLON89883$3,504.3289406$3,411.08$3,853.98$4,247.71$3,120.67$2,899.82$4,391.57$2,572.09$2,876.00$4,060.20$3,928.62$2,160.12

Cheapest Rates by City

Let’s explore the cheapest rates in Nevada by city.

CityAverage Grand Total
FALLON$3,411.08
OWYHEE$3,411.87
WINNEMUCCA$3,413.48
LOVELOCK$3,428.28
WELLS$3,430.06
MOUNTAIN CITY$3,431.30
TUSCARORA$3,434.38
SPRING CREEK$3,434.84
RUBY VALLEY$3,437.66
ELKO$3,451.43
CARLIN$3,456.72
JACKPOT$3,463.15
DEETH$3,464.10
YERINGTON$3,465.95
SCHURZ$3,468.42
PARADISE VALLEY$3,468.91
LAMOILLE$3,470.27
OROVADA$3,470.37
BATTLE MOUNTAIN$3,471.07
DENIO$3,474.95
IMLAY$3,487.58
HAWTHORNE$3,497.60
SMITH$3,502.58
WEST WENDOVER$3,504.32
GOLCONDA$3,507.01
MONTELLO$3,507.76
LUND$3,513.95
VALMY$3,517.20
ELY$3,518.76
RUTH$3,522.02
CRESCENT VALLEY$3,522.86
MC GILL$3,524.26
BAKER$3,529.65
WELLINGTON$3,533.97
ROUND MOUNTAIN$3,534.41
GABBS$3,538.25
SILVER SPRINGS$3,538.93
EMPIRE$3,551.51
FERNLEY$3,553.17
EUREKA$3,556.01
AUSTIN$3,568.23
GARDNERVILLE$3,574.70
GERLACH$3,576.38
DAYTON$3,584.29
SILVER CITY$3,598.18
MINDEN$3,599.50
LUNING$3,609.41
DYER$3,611.34
DUCKWATER$3,612.73
SILVERPEAK$3,617.00
WADSWORTH$3,625.44
TONOPAH$3,627.28
MINA$3,630.32
VIRGINIA CITY$3,650.41
GOLDFIELD$3,657.04
PIOCHE$3,666.14
NIXON$3,683.95
CARSON CITY$3,726.04
ALAMO$3,750.89
HIKO$3,760.00
MANHATTAN$3,774.01
WASHOE VALLEY$3,777.79
GENOA$3,779.91
PANACA$3,781.93
CALIENTE$3,789.18
BEATTY$3,973.32
VERDI$4,060.03
INCLINE VILLAGE$4,083.26
GLENBROOK$4,118.99
MESQUITE$4,155.23
SPARKS$4,177.26
AMARGOSA VALLEY$4,186.62
RENO$4,194.89
BUNKERVILLE$4,203.71
ZEPHYR COVE$4,208.43
SUN VALLEY$4,237.30
STATELINE$4,255.26
CRYSTAL BAY$4,276.79
MERCURY$4,320.45
MOAPA$4,475.32
PAHRUMP$4,489.20
CAL NEV ARI$4,495.80
OVERTON$4,527.30
LOGANDALE$4,545.43
INDIAN SPRINGS$4,548.91
LAUGHLIN$4,572.33
SEARCHLIGHT$4,576.29
BOULDER CITY$4,614.02
JEAN$4,706.38
COYOTE SPRINGS$4,763.30
SLOAN$5,508.41
BLUE DIAMOND$5,596.93
HENDERSON$5,803.78
NELLIS AFB$6,248.03
NORTH LAS VEGAS$6,310.63
LAS VEGAS$6,621.74

Like the data above, large cities like Las Vegas have higher rates than smaller towns, such as Paradise Valley.

Best Nevada Car Insurance Companies

With so many insurance providers available in The Silver State, finding the best one for you and your needs can be confusing.

Now, you can breathe easy. Here we’ll cover insurer reviews and ratings to help you break down the pros and cons of each and narrow down your choices.

Keep reading to discover more about the top carriers in Nevada.

The Largest Companies’ Financial Rating

A.M. Best rates insurers based on their financial strength. Let’s see how the largest ones rank in Nevada.

Providers (Listed by Size, Largest to Smallest)A.M. Best Rating
State Farm GroupA++
GeicoA++
Progressive GroupA+
Allstate Insurance GroupA+
Farmers Insurance GroupA
USAA GroupA++
Liberty Mutual GroupA
CSAA Insurance GroupA
American Family Insurance GroupA
Hartford Fire & Casualty GroupA+

State Farm and USAA are among those that received the highest rating of “A++,” showing they have strong financial resources and can pay large amounts of claims.

Companies with Best Ratings

J.D. Power’s Auto Insurance Study measures insurance companies’ overall customer satisfaction ratings yearly.

JD Power 2019 Southwest Region

Of the top 10 companies, The Hartford and State Farm earned five of J.D. Power’s “Power Circle ratings,” which means their service is “among the best.”

Companies with the Most Complaints in Nevada

The Nevada Division of Insurance’s 2018 Consumer Complaint Report reveals which companies receive the most complaints.

Insurance CompanyDate Complaint OpenedDate Complaint ClosedCoverage Level 1Coverage Level 2Reason for ComplaintReason TypeDepartment of Insurance Findings
KEY INSURANCE COMPANY01-02-201802-02-2018Private PassengerCollisionClaim HandlingDelayCompromised Settlement/Resol.
HORACE MANN INSURANCE COMPANY01-04-201803-02-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
American Family Mutual Insurance Company, S.I.01-04-201802-08-2018Private PassengerCollisionClaim HandlingState SpecificCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-09-201803-08-2018Private PassengerCollisionClaim HandlingAdjuster Handling
Delay
Claim Settled
Geico Advantage Insurance Company01-10-201801-31-2018Private PassengerCollisionClaim HandlingDenial of Claim
Unsatisfactory Settle Offer
Company Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-15-201803-12-2018Private PassengerCollisionClaim HandlingAdjuster Handling
Delay
Claim Settled
BARSANTI, JOHN S
FARMERS INSURANCE EXCHANGE
01-18-201803-12-2018Private PassengerCollisionClaim HandlingAdjuster Handling
Coordination of Benefits
Unsatisfactory Settle Offer
Company Position Upheld
No Further Action Req/Rqd
American Family Mutual Insurance Company, S.I.01-24-201803-08-2018Private PassengerCollisionClaim HandlingDelayNo Further Action Req/Rqd
STATE FARM FIRE & CASUALTY COMPANY01-27-201801-30-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
MENDOTA INSURANCE COMPANY01-29-201803-28-2018Private PassengerCollisionClaim HandlingDelay
Unsatisfactory Settle Offer
Compromised Settlement/Resol.
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-30-201803-08-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
FARMERS INSURANCE EXCHANGE02-06-201803-14-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-07-201803-07-2018Private PassengerCollisionClaim HandlingDenial of ClaimCompany Position Upheld
Geico CASUALTY COMPANY02-09-201803-01-2018Private PassengerCollisionClaim HandlingDenial of ClaimCompany Position Upheld
Geico Secure Insurance Company02-12-201803-14-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY02-12-201803-14-2018Private PassengerCollisionClaim HandlingDelayNo Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-13-201803-16-2018Private PassengerCollisionClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
UNITED SERVICES AUTOMOBILE ASSOCIATION02-14-201803-26-2018Private PassengerCollisionClaim HandlingDelayClaim Settled
Self Insured Services Company02-28-201803-05-2018Private PassengerCollisionClaim HandlingDelayComplaint Withdrawn
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY03-09-201803-29-2018Private PassengerCollisionPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
NEVADA GENERAL INSURANCE COMPANY01-10-201803-02-2018Private PassengerComprehensiveClaim HandlingDelayClaim Settled
KEY INSURANCE COMPANY
NMSW INC
01-25-201802-09-2018Private PassengerComprehensivePolicyholder ServiceCoverage Question
Payment Not Credited
Compromised Settlement/Resol.
Compromised Settlement/Resol.
PROGRESSIVE DIRECT INSURANCE COMPANY02-01-201803-15-2018Private PassengerComprehensiveClaim HandlingDenial of ClaimCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY01-30-201802-16-2018Private PassengerComprehensiveClaim HandlingDenial of ClaimState Specific
NEVADA GENERAL INSURANCE COMPANY01-30-201803-30-2018Private PassengerComprehensiveClaim HandlingDenial of ClaimCompany Position Upheld
MID-CENTURY INSURANCE COMPANY
PROGRESSIVE NORTHERN INSURANCE COMPANY
01-02-201802-14-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
Company Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-02-201801-30-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-02-201802-28-2018Private PassengerLiabilityClaim Handling
Policyholder Service
Coverage Question
Post Claim Underwriting
Company Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-02-201801-03-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-02-201801-22-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY01-02-201801-03-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
NATIONWIDE MEMBER SOLUTIONS AGENCY, INC
VICTORIA FIRE & CASUALTY COMPANY
01-02-201803-05-2018Private PassengerLiabilityPolicyholder Service
Underwriting
Coverage Question
State Specific
Compromised Settlement/Resol.
No Further Action Req/Rqd
Geico Advantage Insurance Company01-02-201801-16-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
NEVADA GENERAL INSURANCE COMPANY01-02-201803-02-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
ALLSTATE PROPERTY & CASUALTY INSURANCE COMPANY01-02-201801-23-2018Private PassengerLiabilityPolicyholder Service
Underwriting
CLUE Reports
Coverage Question
Company Position Upheld
JAMES RIVER INSURANCE COMPANY01-03-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
LARIOS GALVEZ, CARLOS OMAR OMAR
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
WHITMORE, BROOKS ELLIOT
01-03-201803-01-2018Private PassengerLiabilityPolicyholder Service
Underwriting
Cancellation
Coverage Question
Company Position Upheld
No Further Action Req/Rqd
No Further Action Req/Rqd
MID-CENTURY INSURANCE COMPANY01-03-201801-12-2018Private PassengerLiabilityClaim HandlingAdjuster Handling
Unsatisfactory Settle Offer
Compromised Settlement/Resol.
American Family Insurance Company01-03-201803-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
BAXTER-BARTON, SUSAN N
LUNDEEN AND ASSOCIATES LLC
MENDAKOTA INSURANCE COMPANY
01-03-201803-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ESIS INC
HERTZ CLAIM MANAGEMENT CORPORATION
01-03-201803-23-2018Private PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
LM GENERAL INSURANCE COMPANY01-03-201803-09-2018Private PassengerLiabilityUnderwritingNonrenewalCompany Position Upheld
Geico CASUALTY COMPANY01-04-201801-17-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PERMANENT GENERAL ASSURANCE CORPORATION01-04-201801-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PLAIN INC
PROGRESSIVE NORTHERN INSURANCE COMPANY
01-04-201802-02-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
POLISEEK AIS INSURANCE SOLUTIONS INC
PROGRESSIVE NORTHERN INSURANCE COMPANY
01-04-201802-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage Question
Premium Notice/Billing
Premium Refund
Company Position Upheld
No Further Action Req/Rqd
ALLSTATE PROPERTY & CASUALTY INSURANCE COMPANY01-04-201801-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE NORTHERN INSURANCE COMPANY01-04-201802-27-2018Private PassengerLiabilityPolicyholder ServicePremium Notice/BillingNo Further Action Req/Rqd
ACCEPTANCE INS AGENCY OF TENNESSEE INC
NATIONAL GENERAL INSURANCE COMPANY
01-04-201802-02-2018Private PassengerLiabilityMarketing & Sales
Policyholder Service
Coverage Question
State Specific
Company Position Upheld
No Further Action Req/Rqd
FREEWAY INSURANCE SERVICES OFNEVADA, INC
KEY INSURANCE COMPANY
01-04-201801-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY
American Family Mutual Insurance Company, S.I.
01-05-201803-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
No Further Action Req/Rqd
PROGRESSIVE NORTHERN INSURANCE COMPANY01-05-201802-21-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
Geico CASUALTY COMPANY01-05-201801-18-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferClaim Settled
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-06-201801-19-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-08-201802-01-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY01-08-201803-29-2018Private PassengerLiabilityClaim HandlingDelay
Denial of Claim
Compromised Settlement/Resol.
NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA01-08-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
21st CENTURY INSURANCE COMPANY01-08-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
CSAA General Insurance Company01-08-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY01-09-201801-09-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-09-201802-07-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
Geico CASUALTY COMPANY01-09-201803-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD01-09-201802-08-2018Private PassengerLiabilityMarketing & SalesMisrepresentation
Premiums Misquoted
Compromised Settlement/Resol.
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-10-201802-16-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Geico CASUALTY COMPANY01-10-201802-08-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY01-10-201801-24-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
RENO SPARKS CAB COMPANY01-10-201801-22-2018Private PassengerLiabilityClaim HandlingDenial of ClaimNo Jurisdiction
CSAA General Insurance Company01-10-201802-16-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY01-10-201802-02-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
USAA GENERAL INDEMNITY COMPANY01-11-201803-02-2018Private PassengerLiabilityClaim HandlingSubrogationCompany Position Upheld
No Further Action Req/Rqd
Geico Choice Insurance Company01-11-201801-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
USAA GENERAL INDEMNITY COMPANY01-11-201803-08-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-11-201803-29-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY01-11-201801-12-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
PROGRESSIVE NORTHERN INSURANCE COMPANY01-11-201801-29-2018Private PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
Geico Choice Insurance Company01-12-201801-17-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
Geico GENERAL INSURANCE COMPANY01-12-201802-05-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
CSAA General Insurance Company01-12-201803-08-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
21ST CENTURY ASSURANCE COMPANY01-12-201802-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ACCEPTANCE INS AGENCY OF TENNESSEE INC
Geico Advantage Insurance Company
MENDAKOTA INSURANCE COMPANY
01-12-201801-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Company Position Upheld
Company Position Upheld
FARMERS INSURANCE EXCHANGE01-12-201802-09-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
HENDRIX INSURANCE, L.L.C.
HENRY, LISA ANN
PROGRESSIVE NORTHERN INSURANCE COMPANY
01-12-201802-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
No Further Action Req/Rqd
STANDARD FIRE INSURANCE COMPANY (THE)01-13-201802-06-2018Private PassengerLiabilityClaim HandlingDelay
Denial of Claim
Referred for Disciplinary Act.
Geico Choice Insurance Company01-13-201801-29-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
Hasson, Cheryl A
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
01-14-201803-08-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY
FIRST CLASS INSURANCE SERVICES INC
01-16-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
No Further Action Req/Rqd
MERCURY CASUALTY COMPANY01-16-201802-14-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY01-17-201802-23-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY01-17-201803-02-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
KEY INSURANCE COMPANY01-17-201803-05-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
DIVISION OF INSURANCE01-17-201801-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionInsufficient Information
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-18-201803-05-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
KEY INSURANCE COMPANY01-18-201803-05-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
FARMERS INSURANCE EXCHANGE01-18-201801-31-2018Private PassengerLiabilityPolicyholder ServiceCoverage Question
Premium Refund
Company Position Upheld
Geico Advantage Insurance Company01-18-201802-27-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY01-19-201803-01-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
STATE FARM FIRE & CASUALTY COMPANY01-22-201802-28-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
LIBERTY MUTUAL FIRE INSURANCE COMPANY01-22-201803-05-2018Private PassengerLiabilityClaim HandlingDelayClaim Settled
AMERICAN ACCESS CASUALTY COMPANY
GOMEZ ENTERPRISE GROUP INC
01-22-201803-13-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
No Further Action Req/Rqd
USAA CASUALTY INSURANCE COMPANY01-22-201803-05-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferClaim Settled
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-23-201802-02-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
HANSEN & HANSEN AGENCY INC
KEY INSURANCE COMPANY
01-23-201803-13-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
COUNTRY PREFERRED INSURANCE COMPANY
EVANS, BRIDGET MARIE
01-23-201802-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
No Further Action Req/Rqd
NEVADA DIVISION OF INSURANCE01-23-201801-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionInsufficient Information
COAST NATIONAL INSURANCE COMPANY01-23-201803-12-2018Private PassengerLiabilityClaim HandlingDenial of Claim
Unsatisfactory Settle Offer
Company Position Upheld
Geico Advantage Insurance Company01-23-201802-09-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
LM GENERAL INSURANCE COMPANY01-23-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Compromised Settlement/Resol.
STATE FARM FIRE & CASUALTY COMPANY01-24-201803-05-2018Private PassengerLiabilityClaim HandlingDenial of ClaimClaim Settled
ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY01-24-201803-19-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ALLSTATE INDEMNITY COMPANY01-24-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-24-201803-05-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ABCEDE INSURANCE AGENCY LLC
SHELTER MUTUAL INSURANCE COMPANY
01-24-201802-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
No Further Action Req/Rqd
DUFFIELD, ROXANNE
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
01-24-201802-26-2018Private PassengerLiabilityMarketing & Sales
Policyholder Service
Coverage Question
Failure to Submit Application
Compromised Settlement/Resol.
No Further Action Req/Rqd
NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA01-25-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
FAMILY INSURANCE STORE INC (THE)
PROGRESSIVE NORTHERN INSURANCE COMPANY
01-25-201803-08-2018Private PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
Geico CASUALTY COMPANY01-25-201803-12-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-26-201802-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
Geico Advantage Insurance Company01-26-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Geico Advantage Insurance Company01-26-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
UNITED AUTOMOBILE INSURANCE CO01-27-201803-12-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
No Further Action Req/Rqd
Geico CASUALTY COMPANY01-27-201803-12-2018Private PassengerLiabilityClaim HandlingComparitive NegligenceCompany Position Upheld
Geico CASUALTY COMPANY01-27-201803-13-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
CSAA General Insurance Company01-28-201802-16-2018Private PassengerLiabilityClaim HandlingAdjuster Handling
Delay
Compromised Settlement/Resol.
METROPOLITAN DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY01-29-201802-07-2018Private PassengerLiabilityClaim HandlingAdjuster Handling
Delay
No Jurisdiction
Referred to Proper Agency
Geico Secure Insurance Company01-29-201802-15-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY01-29-201803-19-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferClaim Settled
Geico COUNTY MUTUAL INSURANCE COMPANY
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
01-29-201803-20-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
No Jurisdiction
ALLSTATE INDEMNITY COMPANY
KWAN, YUKIN
01-29-201803-14-2018Private PassengerLiabilityMarketing & SalesFraud/ForgeryNo Further Action Req/Rqd
HARTFORD INSURANCE COMPANY OF THE MIDWEST01-30-201803-21-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY01-30-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Geico CASUALTY COMPANY01-30-201803-07-2018Private PassengerLiabilityUnderwritingPremium & RatingCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-31-201802-21-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY01-31-201803-08-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Dragos, Valentin
KEY INSURANCE COMPANY
LIBERTY CHOICE INSURANCE, LLC
01-30-201803-02-2018Private PassengerLiabilityMarketing & Sales
Policyholder Service
Coverage Question
Fraud/Forgery
High Pressure Tactics
Misrepresentation
Other Violation of Ins Law
Compromised Settlement/Resol.
No Further Action Req/Rqd
Referred to Proper Agency
NATIONAL GENERAL INSURANCE COMPANY01-31-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
CSAA General Insurance Company01-31-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-31-201802-15-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
ARRINGTON, WILLIAM S
CORBETT, DOTTY LYNN
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
01-31-201803-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage Question
Surrender Problems
Compromised Settlement/Resol.
No Further Action Req/Rqd
No Further Action Req/Rqd
CSAA Insurance Exchange01-31-201803-07-2018Private PassengerLiabilityPolicyholder Service
Underwriting
Coverage Question
State Specific
Compromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY01-31-201803-12-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Further Action Req/Rqd
AMERICAN ACCESS CASUALTY COMPANY02-01-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
STATE FARM FIRE & CASUALTY COMPANY02-01-201803-08-2018Private PassengerLiabilityPolicyholder ServicePremium RefundCompromised Settlement/Resol.
AMERICAN ACCESS CASUALTY COMPANY02-01-201802-26-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
CSAA General Insurance Company02-01-201803-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
LM GENERAL INSURANCE COMPANY02-01-201802-16-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
Geico Choice Insurance Company01-29-201802-14-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
ALLSTATE INDEMNITY COMPANY02-01-201802-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
DRAKE, CAROL S
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
02-02-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
GOMEZ ENTERPRISE GROUP INC02-02-201802-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionComplaint Withdrawn
LM GENERAL INSURANCE COMPANY02-02-201802-06-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
NATIONWIDE AFFINITY INSURANCE COMPANY OF AMERICA02-02-201802-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY02-02-201802-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
COUNTRY PREFERRED INSURANCE COMPANY
HERZBERG, ERIC GORDON
02-02-201803-01-2018Private PassengerLiabilityPolicyholder Service
Underwriting
Coverage Question
State Specific
No Further Action Req/Rqd
No Further Action Req/Rqd
LIBERTY MUTUAL FIRE INSURANCE COMPANY02-04-201803-07-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
Geico Advantage Insurance Company02-05-201803-02-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
American Family Mutual Insurance Company, S.I.02-02-201803-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
CSAA General Insurance Company02-05-201802-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
FARMERS INSURANCE EXCHANGE02-05-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE NORTHERN INSURANCE COMPANY02-06-201802-21-2018Private PassengerLiabilityClaim HandlingDelayCompromised Settlement/Resol.
PROGRESSIVE DIRECT INSURANCE COMPANY02-06-201803-16-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-06-201803-14-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
Geico Choice Insurance Company02-07-201803-06-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-07-201802-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Overturned
HARTFORD INSURANCE COMPANY OF THE MIDWEST02-07-201803-08-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
Geico Choice Insurance Company02-08-201802-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
MID-CENTURY INSURANCE COMPANY02-08-201802-22-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY02-08-201802-12-2018Private PassengerLiabilityPolicyholder ServiceState SpecificComplaint Withdrawn
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY02-08-201803-30-2018Private PassengerLiabilityPolicyholder ServicePremium Notice/BillingCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-08-201803-02-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY02-08-201803-14-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
No Further Action Req/Rqd
COUNTRY CASUALTY INSURANCE COMPANY
HARUTYUNYAN, GEVORG
02-08-201803-13-2018Private PassengerLiabilityPolicyholder ServiceCoverage Question
Surrender Problems
Compromised Settlement/Resol.
No Further Action Req/Rqd
Geico Advantage Insurance Company02-08-201802-27-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Geico Choice Insurance Company02-09-201803-02-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
PROGRESSIVE NORTHERN INSURANCE COMPANY02-09-201803-14-2018Private PassengerLiabilityClaim HandlingDenial of ClaimNo Further Action Req/Rqd
No Jurisdiction
CSAA General Insurance Company
KOLIAS, JOHN E
02-09-201803-21-2018Private PassengerLiabilityMarketing & Sales
Underwriting
Misrepresentation
Premium & Rating
Company Position Upheld
Company Position Upheld
AMERICAN ACCESS CASUALTY COMPANY02-09-201802-26-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
Geico GENERAL INSURANCE COMPANY02-09-201803-02-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
Geico Advantage Insurance Company02-09-201802-23-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY02-10-201803-20-2018Private PassengerLiabilityUnderwritingRefusal to InsureCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY02-11-201803-26-2018Private PassengerLiabilityClaim HandlingDenial of ClaimCompany Position Upheld
ESURANCE PROPERTY AND CASUALTY INSURANCE COMPANY02-12-201803-12-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
METROPOLITAN GROUP PROPERTY & CASUALTY INSURANCE COMPANY02-12-201803-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
Geico CASUALTY COMPANY02-13-201802-23-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
DIMOPOULOS ESQ, STEVE02-13-201802-22-2018Private PassengerLiabilityClaim HandlingUnsatisfactory Settle OfferNo Jurisdiction
MENDOTA INSURANCE COMPANY02-13-201803-16-2018Private PassengerLiabilityClaim HandlingDelayCompany Position Upheld
No Further Action Req/Rqd
PHOENIX INSURANCE COMPANY (THE)02-14-201802-16-2018Private PassengerLiabilityClaim HandlingDenial of ClaimState Specific
Geico INDEMNITY COMPANY02-14-201803-02-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
MID-CENTURY INSURANCE COMPANY02-14-201803-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
AMERICAN ACCESS CASUALTY COMPANY02-14-201802-27-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
METROPOLITAN GROUP PROPERTY & CASUALTY INSURANCE COMPANY02-15-201803-16-2018Private PassengerLiabilityClaim HandlingDenial of ClaimNo Jurisdiction
PROGRESSIVE PREFERRED INSURANCE COMPANY02-19-201803-27-2018Private PassengerLiabilityClaim HandlingComparitive Negligence
Delay
Company Position Upheld
ARCHULETA, ROBIN DALE
PROGRESSIVE SPECIALTY INSURANCE COMPANY
02-20-201802-22-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionComplaint Withdrawn
VIKING INSURANCE COMPANY OF WISCONSIN02-20-201802-27-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
AMICA MUTUAL INSURANCE COMPANY02-20-201803-02-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-22-201803-13-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
No Further Action Req/Rqd
FARMERS INSURANCE EXCHANGE02-22-201803-23-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
PROGRESSIVE DIRECT INSURANCE COMPANY02-22-201803-23-2018Private PassengerLiabilityUnderwritingPremium & RatingNo Further Action Req/Rqd
Geico INDEMNITY COMPANY02-23-201803-23-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
SAFECO INSURANCE COMPANY OF ILLINOIS02-23-201803-05-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY02-26-201803-29-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
PROGRESSIVE DIRECT INSURANCE COMPANY02-26-201803-29-2018Private PassengerLiabilityUnderwritingPremium & RatingCompany Position Upheld
MATALLANA ENTERPRISES LLC
MENDOTA INSURANCE COMPANY
02-27-201803-30-2018Private PassengerLiabilityPolicyholder Service
Underwriting
Cancellation
Coverage Question
Company Position Overturned
Company Position Overturned
CSAA General Insurance Company02-28-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
Geico CASUALTY COMPANY02-28-201803-09-2018Private PassengerLiabilityClaim HandlingDelay
Subrogation
Compromised Settlement/Resol.
COAST NATIONAL INSURANCE COMPANY02-28-201803-14-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
HARTFORD INSURANCE COMPANY OF THE MIDWEST03-01-201803-30-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
ALLSTATE INDEMNITY COMPANY
VEGA, JAMES ELLIOT
03-04-201803-13-2018Private PassengerLiabilityPolicyholder ServiceAbusive Service
Premium Refund
Compromised Settlement/Resol.
Geico CASUALTY COMPANY03-05-201803-15-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
Geico Advantage Insurance Company03-05-201803-29-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompany Position Upheld
STATE FARM GENERAL INSURANCE COMPANY03-06-201803-21-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionInsufficient Information
Geico CASUALTY COMPANY03-06-201803-28-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
CSAA General Insurance Company03-08-201803-14-2018Private PassengerLiabilityClaim HandlingDelayComplaint Withdrawn
LOYA INSURANCE COMPANY03-09-201803-27-2018Private PassengerLiabilityClaim HandlingAdjuster Handling
Delay
Unsatisfactory Settle Offer
No Further Action Req/Rqd
NEVADA DIVISION OF INSURANCE03-09-201803-19-2018Private PassengerLiabilityPolicyholder ServicePremium Notice/BillingInsufficient Information
AMERICAN ACCESS CASUALTY COMPANY03-09-201803-16-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionCompromised Settlement/Resol.
CSAA General Insurance Company03-14-201803-16-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
CSAA General Insurance Company03-14-201803-15-2018Private PassengerLiabilityClaim HandlingDelayNo Further Action Req/Rqd
SAFECO INSURANCE COMPANY OF AMERICA03-14-201803-16-2018Private PassengerLiabilityClaim HandlingDelayComplaint Withdrawn
COUNTRY MUTUAL INSURANCE COMPANY03-15-201803-19-2018Private PassengerLiabilityClaim HandlingDenial of Claim
Unsatisfactory Settle Offer
No Further Action Req/Rqd
TEACHERS INSURANCE COMPANY03-16-201803-30-2018Private PassengerLiabilityUnderwritingNonrenewalCompany Position Upheld
NATIONWIDE MUTUAL INSURANCE COMPANY03-19-201803-19-2018Private PassengerLiabilityClaim HandlingDenial of ClaimContract Provision
No Further Action Req/Rqd
TRUMBULL INSURANCE COMPANY03-21-201803-26-2018Private PassengerLiabilityPolicyholder ServicePremium Notice/Billing
Premium Refund
No Jurisdiction
COUNTRY CASUALTY INSURANCE COMPANY
MC FALL, JANET W
03-26-201803-29-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
No Further Action Req/Rqd
NATIONAL DIRECT INSURANCE COMPANY03-27-201803-29-2018Private PassengerLiabilityPolicyholder ServiceCoverage QuestionNo Further Action Req/Rqd
UNITED FINANCIAL CASUALTY COMPANY02-06-201803-26-2018Private PassengerLiability,Collision,Medical PaymentsClaim HandlingDenial of ClaimCompany Position Upheld
STATE FARM FIRE & CASUALTY COMPANY01-10-201803-27-2018Private PassengerPhysical DamageClaim HandlingDelayCompany Position Upheld
NEVADA GENERAL INSURANCE COMPANY01-29-201803-19-2018Private PassengerRental ReimbursementClaim HandlingUnsatisfactory Settle OfferCompromised Settlement/Resol.
Geico Advantage Insurance Company01-11-201801-23-2018Private PassengerUn/Under Insured MotoristPolicyholder ServiceState SpecificNo Further Action Req/Rqd
STATE FARM FIRE & CASUALTY COMPANY01-10-201802-12-2018Private PassengerClaim HandlingUnsatisfactory Settle OfferCompany Position Upheld
DIVISION OF INSURANCE02-12-201802-12-2018Private PassengerClaim HandlingState SpecificInsufficient Information

Customer complaints are an essential factor in a company’s customer service, but it’s among many others to consider when you choose a carrier.

Cheapest Companies in Nevada

Let’s find out which insurers have the most and least expensive premiums in The Silver State.

CompanyAverageCompared to State Average
Allstate F&C$5,372.21$571.1710.63%
American Family Mutual$5,439.95$638.9211.74%
Mid-Century Ins Co$5,589.91$788.8714.11%
Geico Cas$3,660.03-$1,141.00-31.17%
Safeco Ins Co of IL$6,209.68$1,408.6422.68%
Depositors Insurance$3,474.93-$1,326.10-38.16%
Progressive Direct$4,048.92-$752.12-18.58%
State Farm Mutual Auto$5,792.85$991.8117.12%
Travelers Home & Marine Ins Co$5,349.64$548.6010.25%
USAA$3,072.26-$1,728.78-56.27%

USAA has the cheapest rates, which are an average of $2,300 less than the most expensive carrier, Allstate.

A recent U.S. News and World Report study revealed that USAA has the cheapest car insurance rates for young adults, at an average of $1,073 per year.

Commute Rates by Company

How far you drive regularly can also factor into your rates. Let’s see how distance can affect them.

GroupCommute and Annual MileageAnnual Average
Allstate10 miles commute. 6000 annual mileage.$5,372.21
Allstate25 miles commute. 12000 annual mileage.$5,372.21
American Family10 miles commute. 6000 annual mileage.$5,365.30
American Family25 miles commute. 12000 annual mileage.$5,514.60
Farmers10 miles commute. 6000 annual mileage.$5,589.91
Farmers25 miles commute. 12000 annual mileage.$5,589.91
Geico10 miles commute. 6000 annual mileage.$3,595.74
Geico25 miles commute. 12000 annual mileage.$3,724.32
Liberty Mutual10 miles commute. 6000 annual mileage.$6,209.68
Liberty Mutual25 miles commute. 12000 annual mileage.$6,209.68
Nationwide10 miles commute. 6000 annual mileage.$3,474.93
Nationwide25 miles commute. 12000 annual mileage.$3,474.93
Progressive10 miles commute. 6000 annual mileage.$4,048.92
Progressive25 miles commute. 12000 annual mileage.$4,048.92
State Farm10 miles commute. 6000 annual mileage.$5,620.99
State Farm25 miles commute. 12000 annual mileage.$5,964.71
Travelers10 miles commute. 6000 annual mileage.$5,349.64
Travelers25 miles commute. 12000 annual mileage.$5,349.64
USAA10 miles commute. 6000 annual mileage.$3,031.47
USAA25 miles commute. 12000 annual mileage.$3,113.04

For the most part, only a few companies charge higher rates for 10-mile versus 25-mile commutes, such as American Family and State Farm.

Coverage Level Rates by Company

Depending on how much coverage you have, you may end up paying more or less for your premiums.

GroupHigh CoverageMedium CoverageLow Coverage
Allstate$5,996.34$5,459.03$4,661.25
American Family$5,393.25$5,761.62$5,164.99
Farmers$6,228.36$5,520.67$5,020.70
Geico$4,158.52$3,569.08$3252.50
Liberty Mutual$6,860.63$6,130.66$5,637.73
Nationwide$3,555.75$3,472.59$3,396.47
Progressive$4,747.61$3,891.68$3,507.46
State Farm$6,335.31$5,770.83$5,272.40
Travelers$5,871.04$5,367.41$4,810.46
USAA$3,452.99$3,040.54$2,723.24

Generally speaking, the highest coverage is often the most expensive; however, it offers full protection. Some drivers choose to go without it to pay less, but they may not have to. With some insurers, like Nationwide, the cost difference between the highest and lowest levels of insurance is only about a few hundred dollars.

Credit History Rates by Company

How well your credit score ranks is yet another factor that can raise or lower insurance premiums. Let’s see how it changes for drivers with poor, fair, and good credit.

GroupGood CreditFair CreditPoor Credit
Allstate$4,203.10$4,948.32$6,965.19
American Family$4,447.03$5,149.36$6,723.48
Farmers$4,947.61$5,259.25$6,562.87
Geico$2,906.32$3,660.03$4,413.75
Liberty Mutual$4,254.31$5,442.36$8,932.36
Nationwide$2,935.04$3,385.24$4,104.51
Progressive$3,721.17$3,982.49$4,443.10
State Farm$2,650.28$4,161.60$10,566.65
Travelers$4,952.60$5,245.45$5,850.87
USAA$2,169.22$2,650.41$4,397.15

As shown, Nevada is among the states to let insurers use credit history to set their rates. Insurance companies can consider drivers with poor credit more of a risk.

A driver with poor credit can pay several thousand dollars more for insurance than one with good credit. In some cases, like with State Farm, the difference can cost as much as $8,000.

A study by Experian revealed that the average Nevadan has a VantageScore of 655, which is fair, and three credit cards in their name, with a balance of $6,401.

To round out our data about the factors that most affect car insurance rates, next, let’s look at driving record rates.

Driving Record Rates by Company

Your driving record has a major effect on your rates. Looking at the prices below, you can see it makes sense, financially, not to engage in risky driving habits.

GroupDriving RecordAnnual Average
AllstateWith 1 DUI$6,436.49
AllstateWith 1 accident$5,357.99
AllstateWith 1 speeding violation$5,142.85
AllstateClean record$4,551.49
American FamilyWith 1 DUI$6,522.19
American FamilyWith 1 accident$6,061.79
American FamilyWith 1 speeding violation$4,801.28
American FamilyClean record$4,374.55
FarmersWith 1 DUI$6,162.80
FarmersWith 1 accident$5,942.38
FarmersWith 1 speeding violation$5,599.97
FarmersClean record$4,654.50
GeicoWith 1 DUI$4,929.65
GeicoWith 1 accident$4,081.33
GeicoWith 1 speeding violation$3,104.75
GeicoClean record$2,524.40
Liberty MutualWith 1 DUI$7,295.91
Liberty MutualWith 1 accident$7,257.65
Liberty MutualWith 1 speeding violation$5,751.46
Liberty MutualClean record$4,533.69
NationwideWith 1 DUI$4,476.45
NationwideWith 1 accident$3,586.11
NationwideWith 1 speeding violation$3,048.57
NationwideClean record$2,788.60
ProgressiveWith 1 DUI$4,249.70
ProgressiveWith 1 accident$4,642.62
ProgressiveWith 1 speeding violation$3,929.54
ProgressiveClean record$3,373.82
State FarmWith 1 DUI$5,792.84
State FarmWith 1 accident$6,323.66
State FarmWith 1 speeding violation$5,792.84
State FarmClean record$5,262.04
TravelersWith 1 DUI$7,262.46
TravelersWith 1 accident$5,704.83
TravelersWith 1 speeding violation$4,604.96
TravelersClean record$3,826.30
USAAWith 1 DUI$4,348.40
USAAWith 1 accident$2,951.67
USAAWith 1 speeding violation$2,646.40
USAAClean record$2,342.56

The more serious penalty of a DUI tends to cost more than that of a speeding ticket. With Allstate, the cost between a clean record and a DUI can amount to nearly $2,000.

The video below goes into more detail about how your driving record affects your insurance rates.

Largest Car Insurance Companies in Nevada

Let’s see which insurers in Nevada have the greatest market share.

Company NameDirect Premiums WrittenLoss RatioMarket Share
State Farm Group$451,33080.27%19.06%
Geico$333,58480.44%14.09%
Progressive Group$236,95264.05%10.01%
Allstate Insurance Group$214,39459.62%9.05%
Farmers Insurance Group$207,96963.14%8.78%
USAA Group$140,66079.65%5.94%
Liberty Mutual Group$128,20080.86%5.41%
CSAA Insurance Group$117,96466.05%4.98%
American Family Insurance Group$69,91374.88%2.95%
Hartford Fire & Casualty Group$53,16879.29%2.24%

Large national insurers State Farm and Progressive have the highest market share, the highest loss ratios, and the highest amount of direct premiums written.

Number of Insurers by State

The term “domestic” refers to insurance companies formed in Nevada. “Foreign” companies were founded outside of the state.

Property & Casualty InsuranceTotals
Domestic9
Foreign873
Total882

An overwhelming majority of insurers from out of state operate in Nevada.

Nevada Laws

Nevada drivers have a duty to drive safely and obey state driving laws. With all the laws on the books, it can be hard to meet that obligation.

We’ve sifted through the legal mumbo-jumbo to find the laws you most need to follow to ensure you and others stay safe. We’ll start with insurance laws and then cover driving and safety laws.

Let’s read on to find out more about them.

Car Insurance Laws

Car insurance laws are one of a seemingly endless amount of factors that can have an impact on car insurance rates.

Let’s dig deeper to discover more about Silver State insurance laws, from how they’re determined to the time limits for filing accident claims.

Keep reading for some interesting insurance insights.

How Nevada Car Insurance Rates are Determined

The Nevada Division of Insurers sets state insurance rates per the National Association of Insurance Commissioners‘ guidelines.

As an example of a recent insurance law change, as of July 1, 2018, all Nevada drivers must carry the minimum liability coverage amounts of 25/50/20.

Windshield Coverage

The state of Nevada doesn’t have any laws specific to windshields.

Though insurers might not require you to go to a certain repair shop, you might have to make up the difference in the repair costs.

One way to make sure you get windshield coverage is to buy comprehensive insurance. Not all carriers cover windshield damage, but you can find out how they handle claims to find the right policy for you.

High-Risk Insurance

Having several major violations on your driving record, whether they’re speeding tickets or DUIs, can make it harder to get car insurance. If you manage to qualify, your premiums may exceed average prices.

In that case, you can look into qualifying for high-risk insurance. Part of the Western Association of Auto Insurance Plans (WAAIP), the Nevada Automobile Insurance Plan (NAIP) maintains a high-risk pool of drivers.

You may be assigned an insurer and need to meet certain eligibility requirements to enter.

As we mentioned earlier, Nevada drivers who’ve had their licenses revoked must file an SR-22 form with the DMV as proof of financial responsibility.

Low-Cost Insurance

Nevada doesn’t currently offer any low-cost insurance programs.

Automobile Insurance Fraud in Nevada

The state of Nevada classifies automobile insurance fraud as a Category D felony, with penalties including up to four years of imprisonment and fines of up to $5,000. Those who commit fraud may need to pay restitution to the victim.

Insurance fraud often happens when someone files a false claim with their insurance company to receive benefits or payouts.

These are some of the fraudulent insurance acts that can lead to convictions in the state of Nevada:

  • Making a statement to an insurer you know hides or leaves out certain facts or includes untrue or deceptive information about any matter related to the issuing of an insurance policy.
  • Filing a statement you know hides or leaves out specific facts or includes false information about any matter related to that claim.
  • Planning or engaging in a false or deceptive statement with another person to make a claim for a payout, have a policy issued, or get another benefit.
  • Knowingly acting with the intent to mislead or defraud an insurance company to get a policy or a benefit under the policy.

With all the risks and penalties involved, it’s not worth committing insurance fraud.

The State of Nevada’s Insurance Fraud Unit (IFU) investigates insurance fraud claims. Contact them through the following means to report fraud:

  • Online form
  • Website: ag.nv.gov
  • Phone numbers: 775-684-1100 (Carson City office),702-486-3420 (Las Vegas office), Reno office: 775-687-2100

The IFU’s annual report shows that in the fiscal year 2018, they received 1,421 total fraud complaints, which is about the average number they get every year.

The video below explains more about insurance fraud and the consequences in The Silver State:

Statute of Limitations

The statute of limitations is the time limit you have to file a lawsuit. This differs from the amount of time you have to file an insurance claim with your carrier.

Nevada law limits auto accident personal injury claims to two years from the date of the incident. This also applies to wrongful death cases.

The limit for property damage claims or civil suits is three years since the accident.

Despite the time limits, it’s in your best interest to file earlier rather than later — the longer you wait, the worse off you may be: you can lose track of eyewitnesses, their testimony can become less reliable over time, and evidence can degrade.

Vehicle Licensing Laws

Vehicle licensing laws outline the requirements drivers must comply with to drive in the state of Nevada. Before we get into safety laws, these are the fundamentals drivers need to know and understand so they can pass the legal requirements to take the road.

Let’s get ready to learn more about these regulations.

Real ID

Per the federal Real ID Act of 2005, as of October 1, 2020, the State of Nevada will require Real ID–compliant driver’s licenses and identification cards for boarding domestic commercial plane flights. Military bases and other secure federal locations already require these forms of ID.

Nevada Real ID cards feature a gold circle and a star cutout in the upper right corner. Non-compliant cards bear the phrase “NOT FOR FEDERAL OFFICIAL USE.”

The program is optional; another acceptable form of federal identification is a passport. However, the Nevada DMV recommends citizens apply for a Real ID–compliant card at their next renewal at no extra cost. They will continue to accept existing cards until October 1, 2020, or their expiration, whichever is sooner.

To apply for a Real ID card, you will need to bring proof of identity and any name changes, proof of your Social Security number, and two residency documents.  These documents must be valid originals or certified copies.

The Nevada DMV encourages applicants to make an appointment ahead of time to avoid long lines.

The video below features more information about the documentation required to upgrade to a Nevada Real ID:

And for drivers applying for their first Nevada license, the following video goes over what’s required:

Penalties for Driving Without Insurance

Driving without car insurance coverage is illegal in Nevada. If you’re caught driving without it, you may face penalties of $250 to $1,000 — the amount varies based on how long your coverage lapsed. In the first 30 days without coverage, the DMV will suspend your license, but you won’t need to pay any fines.

For coverage lapses between 31 – 90 days, you will pay a $250 fine. Coverage lapses of 91 – 180 days will incur a fine of $500. For drivers who drive without insurance for 181 days or longer, the penalty is $1,000.

If your coverage lapse is longer than 91 days, you must file an SR-22 form to have your license reinstated. You will also pay higher insurance premiums as a “high-risk” driver.

The DMV may also revoke your license and require reinstatement with proof of insurance and payment of fees ranging from $250 to $750.

Law enforcement officials use the Nevada DMV’s LIVE (Liability Insurance Validation Electronically) system to find out if drivers have insurance. They can even check it while they pull over a driver.

We covered acceptable forms of financial responsibility as proof of insurance above. In short, don’t leave home without insurance coverage, otherwise, you may have to pay steep fines.

Teen Driver Laws

Teen drivers in Nevada must be at least 15 years and six months old to get a learner’s permit. To qualify for a full or restricted license, they will need to comply with the following:

  • Hold their learner’s permit for at least six months
  • Complete at least 50 hours of supervised driving time, 10 of which must be at night
  • Be at least 16 years of age

Intermediate or restricted license requirements stress that young drivers must not drive between 10:00 p.m. and 5:00 a.m. They also must not carry passengers younger than 18, and even then, they may only be family members.

Below are the requirements young drivers must meet to have the restrictions lifted:

  • They must be at least 18 years old to have the nighttime limits removed.
  • They must have an intermediate license or be at least 18 years old to have the passenger restrictions lifted (whichever comes first) and no younger than 16 years and six months old.

Older Driver License Renewal Procedures

The Silver State requires older drivers to meet certain license renewal guidelines:

  • Renew every four years if they’re 65 or older
  • Provide proof of adequate vision at every renewal if they’re age 71 or older
  • At age 65 or older, they may renew by mail or online at every other renewal

New Residents

If you plan to move to The Silver State as a new resident when you apply for a Nevada driver’s license, you must provide the following:

  • Proof of identity
  • Proof of name change (if applicable)
  • Proof of Social Security number
  • Proof of Nevada residential address
  • An Application for Driving Privileges or ID card

All the documents you provide must be original or certified copies.

– License Renewal Procedures

To renew their driver’s licenses, the general population in Nevada can renew by mail or online if they hold a license with a four-year term. Below are more license renewal requirements:

  • Renew every eight years
  • Provide proof of adequate vision if renewing in person

Negligent Operator Treatment System (NOTS)

Drivers who disregard others’ safety and disobey traffic laws may face penalties. If they shirk these duties, they’re essentially avoiding their responsibilities and may be found negligent for reckless driving. Nevada classifies reckless driving as a misdemeanor.

State laws define reckless driving as:

  • Driving in a heedless and willful manner without regard for the well-being of others or property
  • Street racing
  • Refusing to yield to or avoiding a law enforcement officer

This video offers more information about reckless driving in Nevada:

Negligent drivers may also incur more traffic violations that could add up to a reckless driving charge. Some of the violations law enforcement officials may cite drivers for if they get into an accident with a bicyclist or a pedestrian are:

  • Not yielding to a pedestrian in a crosswalk
  • Speeding
  • Disobeying a school crossing guard’s directions
  • Driving above 15 mph or making a U-turn within a school zone while school is in session

Potential penalties for reckless driving include eight demerits on a driver’s record and the following:

  • First conviction: Up to six months of jail time and/or $250 – $1,000 fines; a “reckless behavior” charge also requires 50 – 99 hours of community service
  • Second conviction: Up to six months of jail time and/or $1,000 – $1,500 fines; “reckless behavior” adds a penalty of 100 – 199 hours of community service
  • Third conviction: Up to six months of jail time and/or $1,500 – $2,000 fines; “reckless behavior” also incurs 200 hours of community service

The Nevada DMV will suspend the license of drivers who receive 12 or more points over the course of a year.

Negligent drivers may also have their license suspended for anywhere from six months to two years. Furthermore, they may end up having their vehicle impounded for 15 days on a first conviction and 30 days for later convictions.

Rules of the Road

The many laws on the books can be confusing. To which should you pay the most attention?

We’ll cover Nevada’s driving laws next; a helpful refresher for this crucial part of safe driving.

Fault vs. No-Fault

According to Nevada law, the insurer for the person responsible for causing a car accident must pay for medical bills, lost wages, and other damages up to the limits of their policy. If you lack enough coverage for those damages, you may have to pay out of pocket.

Sometimes, however, it’s not clear who is at fault; one or both of the parties involved may share part of the responsibility.

Nevada’s modified comparative negligence rule laws require an assessment of who is more responsible for a crash to reach a fair settlement.  As part of the law, even if you’re partially at fault for an accident — 50 percent or less — you may still receive damages for a personal injury claim.

If you’re found to be more than 50 percent responsible, you can’t collect compensation.

The money awarded in these claims is based on your percentage of fault. For example, if you’re 40 percent at fault, you may receive 60 percent of the settlement; for a claim that would pay $80,000, that would amount to $48,000.

Seat Belt & Car Seat Laws

All vehicle occupants six years old and older must wear a safety belt. Violations incur a fine of $25 for first-time offenders. This penalty is a secondary offense, meaning an officer can’t pull you over for not wearing a seat belt, but must catch you for another violation, such as a broken taillight.

Children five years old and younger and who weigh 60 pounds or less must wear a child safety seat. They can’t use an adult-sized belt. The maximum fine for first-time offenders is $500.

Regarding cargo areas of pickup trucks in Nevada, it’s illegal for passengers aged 18 and older to occupy them. Children can ride in cargo areas if the vehicle is used for ranching or farming or in an “authorized parade.” Also, passengers may ride in the truck bed when the vehicle is driven on an unpaved road, or if a camper shell encloses the cargo area.

Keep Right & Move Over Laws

Nevada law states that drivers must keep right if they drive slower than the average speed of traffic around them; they also must yield to the right of way to emergency or official vehicles showing flashing lights and pull to the right or to the edge of the roadway.

Drivers shouldn’t pull back into traffic until these vehicles have passed or unless law enforcement officials have directed them to do so.

Speed Limits

The speed limits on rural Nevada interstates are 80 mph, and 65 mph on urban interstates. Drivers must keep to the speed limit of 70 mph on limited-access roads.

Ridesharing

Nevada also has specific laws regarding ridesharing. These regulations apply to services such as Uber and Lyft, which often require their drivers to carry personal insurance policies at or above the state minimum liability requirements.

Rideshare drivers don’t usually buy personal commercial insurance policies, but some companies, like Uber, provide their drivers with $1 million liability coverage.

Automation on the Road

The Silver State lets driverless vehicles share the road, and drivers of autonomous vehicles must carry liability insurance.

Depending on the vehicle’s level of automation, their drivers may or may not need a license.

Safety Laws

As you can see, Nevada has many rules of the road; if you break them, violations can affect your driving record and the cost of your insurance premiums.

Next, we’ll cover safety laws that affect your driving history.

DUI Laws

The table below shows the different levels of Nevada’s DUI penalties and serves to remind offenders not to drink and drive.

Nevada's DUI LawsInfo
BAC Limit0.08
High BAC Limit0.18
Criminal Status by Offense1st-2nd are misdemeanors. The 3rd+ in 7 years are category B felonies.
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back Period/Washout Period7 years
1st Offense-ALS or Revocation90 days. Eligible for a restricted license after half of revocation period.
1st Offense-Imprisonment2 days - 6 months OR 96 hours of community service.
1st Offense-Fine$400-$1000
1st Offense-OtherSR-22 for three years, pay $150 for DUI school, and may be ordered to attend treatment program.
2nd Offense-DL Revocation1 year. Not eligible for restricted license.
2nd Offense-Imprisonment10 days to 6 months of jail or residential confinement.
2nd Offense-Fine$750-$1000
2nd Offense-OtherPossible vehicle registration suspension. May be ordered to attend treatment program or be placed under clinical supervision of a treatment facility for up to one year.
3rd Offense-DL RevocationIf 3rd in 7 years: 3 years. Restricted license may be issued.
3rd Offense-ImprisonmentIf 3rd in 7 years: 1-6 years.
3rd Offense-FineIf 3rd in 7 years: $2000-$5000.
3rd Offense-OtherPossible vehicle registration suspension. May be ordered to attend a program of treatment for 3 years minimum.
4th Offense-DL RevocationIf 4th in 7 years, same as for 3rd.
Mandatory InterlockAll offenders

For more information about Nevada’s DUI laws, watch this law firm video:

Marijuana-Impaired Driving Laws

In Nevada, drivers under the influence of marijuana must undergo a blood test if a police officer asks for one. The metabolites, the part of the drug that causes a “high,” can stay in the bloodstream for days or weeks after use.

Drivers who have a detectable level of marijuana or have over the legal limit of the drug’s metabolites in their blood face DUI conviction. These are the state’s legal requirements for a DUI charge:

  • Marijuana levels in the urine of at least 10 nanograms per milliliter (ng/ml)
  • Marijuana levels in the blood of at least two ng/ml
  • Marijuana metabolite levels in the urine of at least 15 ng/ml
  • Marijuana metabolite levels in the blood of at least five ng/ml

Though the laws allow doctor-prescribed medical marijuana use, if you drive while high, you could still face an arrest. So, to keep out of trouble, it makes sense to stay sober when you get behind the wheel.

Distracted Driving Laws

Nevada law prohibits drivers from using hand-held devices while they’re behind the wheel. The Silver State also bans texting for all drivers.

Texting, using the internet, and operating hand-held devices while driving has been illegal in Nevada since 2011. Drivers can talk on the phone with hands-free devices. Drivers who violate Nevada’s distracted driving laws face a $50 fine for the first conviction in seven years, $100 for the following offense, and $250 for all other crimes.

Fines may double if a law enforcement officer catches a distracted driver in a work zone. First offenses are not seen as moving violations.

Driving in Nevada

Driving in Nevada — and elsewhere — involves certain risks. Among the most dangerous hazards are devastating accidents, which can be every driver’s worst nightmare.

The good news is that in many cases, our fears are not as bad as we imagine them to be. Data can reveal the chances a driver will get into a major accident, and which ones they’re more likely to be involved in.

Below, we’ll cover some of the biggest risks of driving and car ownership in Nevada, including vehicle theft and different types of traffic fatalities.

Vehicle Theft in Nevada

Let’s see which vehicles and model years were most popular with car thieves in The Silver State.

Make/ModelYear of VehicleNumber of Thefts
Honda Accord19961,048
Honda Civic19981,011
Chevrolet Pickup (Full Size)2006377
Ford Pickup (Full Size)2006279
Toyota Camry2015254
Nissan Maxima1997208
Nissan Altima1997207
Nissan Sentra2014200
Toyota Corolla2014151
Dodge Pickup (Full Size)2005148

The most stolen vehicle was the 1996 Honda Accord, followed by the 1998 Honda Civic. Sedan cars and a few pickups, such as the 2006 Chevrolet and Ford full-size trucks, made the list.

So, if you happen to own any of these vehicles, you want to take extra precautions to keep them safe from theft.

Vehicle Theft by City

These 2017 FBI crime statistics reveal which Nevada cities saw the most vehicle thefts.

CityMotor
vehicle
theft
Boulder City20
Carlin5
Elko59
Fallon13
Henderson641
Las Vegas Metropolitan Police Department8,186
Lovelock3
Mesquite40
North Las Vegas1,321
Reno1,432
Sparks417
West Wendover14
Winnemucca15
Yerington3

The Las Vegas Metropolitan Police Department reported the highest number of thefts, while Reno and North Las Vegas placed a distant second and third respectively. As expected, Las Vegas, the most populated city — and where most of the cars are in Nevada — attracted more car thieves.

Road Fatalities in Nevada

Now, we’ll examine how many traffic deaths have happened on Nevada roads in recent years. We compiled much of the data from National Traffic Highway Safety Administration reports, which include the number of fatal crashes by county, road, and vehicle and person type.

Keep reading to find out more about different kinds of accidents that often occur in Nevada.

Most Fatal Highway in Nevada

Interstate 80 (I-80), which runs along Truckee River and Humboldt River, sees an average of 15 deadly crashes per year.

Fatal Crashes by Weather & Light Condition

First, let’s explore how weather and light conditions have led to driving fatalities in Nevada.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal1211044070272
Rain161008
Snow/Sleet301004
Other401005
Unknown001001
TOTAL1291104470290

Most of the crashes happened in normal daylight conditions. Because of the dry climate and higher temperatures in some parts of the state, rain, snow, and sleet weren’t major factors.

Fatalities (All Crashes) by County

Below is data that shows all crashes in The Silver State by county.

County20132014201520162017
Carson City55274
Churchill14586
Clark190174210217208
Douglas637511
Elko7131289
Esmeralda23534
Eureka35410
Humboldt310853
Lander03532
Lincoln53410
Lyon612719
Mineral30241
Nye11121169
Pershing24112
Storey02220
Washoe1938375039
White Pine30472

In keeping with the population rates in Nevada counties, those with more residents, such as Clark County, had far higher fatalities than more rural counties like Pershing.

Traffic Fatalities

The table below reveals how many fatalities occur on urban versus rural roads.

TypeNumber of Fatalities
Rural Traffic Fatalities79
Urban Traffic Fatalities227

As expected, fatalities in urban areas far surpassed those of rural areas, where fewer Nevadans live.

Fatalities by Person Type

Motor vehicle accidents involve different types of people. These are the numbers based on the most frequent kinds of crashes.

Person TypeNumber
Occupants (Enclosed Vehicles)148
Motorcyclists54
Nonoccupants107

Many of the accidents affected vehicle occupants, followed closely by non-occupants.

Fatalities by Crash Type

For a deeper look, these are the fatalities by vehicle crash type.

Crash TypeNumber
Single Vehicle172
Involving a Large Truck37
Involving Speeding95
Involving a Rollover69
Involving a Roadway Departure104
Involving an Intersection105

Single-vehicle accidents far outnumbered the rest.

Five-Year Trend for the Top 10 Counties

Breaking down the statistics even further, we look at how many accidents occurred over a five-year timespan, from 2013 – 2017, in Nevada counties.

CountyFatalities 2013Fatalities 2014Fatalities 2015Fatalities 2016Fatalities 2017
Clark County190174210217208
Washoe County1938375039
Douglas County637511
Elko County7131289
Lyon County612719
Nye County11121169
Churchill County14586
Esmeralda County23534
Carson City55274
Humboldt County310853

Again, as with prior figures, many of the fatalities happened in the most populous counties. In many areas, namely Clark County, the accident rates increased slightly from year to year.

Fatalities Involving Speed by County

Unfortunately, speed does kill, and these numbers reveal that harsh and sobering truth. The figures show the total number of crashes for each year from 2013 – 2017 and also the number of fatalities per 100,000 people per year.

County NameFatality Totals 2013Fatality Totals 2014Fatality Totals 2015Fatality Totals 2016Fatality Totals 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Carson City240223.727.390.003.683.65
Churchill County031220.0012.564.168.338.25
Clark County74647994693.653.103.744.363.13
Douglas County301226.390.002.114.174.14
Elko County082320.0015.193.865.743.80
Esmerelda County12102117.79242.13120.630.00253.29
Eureka County1000048.780.000.000.000.00
Humboldt County104205.750.0023.4311.850.00
Lander County022100.0033.3833.8517.350.00
Lincoln County2120037.9319.2338.930.000.00

Like prior reports, many of the accidents took place in counties with higher populations.

Fatalities In Crashes Involving an Alcohol-Impaired Driver

This time, we’ll look at how many crashes in Nevada from 2013 – 2017 involved drivers under the influence of alcohol.

County NameFatalities 2013Fatalities 2014Fatalities 2015Fatalities 2016Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Carson City211103.721.851.851.840.00
Churchill County000200.000.000.008.330.00
Clark County64546959623.162.623.272.742.81
Douglas County101122.130.002.112.094.14
Elko County174251.9113.297.713.839.50
Esmeralda County001000.000.00120.630.000.00
Eureka County010000.0050.280.000.000.00
Humboldt County022110.0011.5811.725.935.94
Lander County000110.000.000.0017.3517.57
Lincoln County2100037.9319.230.000.000.00

Sadly, again, Clark County and other more populated counties dominated the reports.

Teen Drinking & Driving

How many teens have engaged in underage drinking and driving in Nevada? How widespread is the problem? This data addresses that issue.

Teens and Drunk DrivingInfo
Under 21 Alcohol-Impaired Driving Fatalities Per 100K of the Population1.2
Higher/Lower Than National Average (1.2)Equal
DUI Arrests (Under 18 Years Old)58
DUI Arrests (Under 18 Years Old) Total Per Million People85.62

As shown, the rates of underage drinking and driving equal national rates.

EMS Response Time

Emergency first responders are on the front lines of an accident scene. These numbers show how long, on average, it takes for them to respond, from notification to arrival at the scene to Nevada hospitals.

LocationTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital Arrival
Rural Fatal Crashes5.7621.8854.9569.06
Urban Fatal Crashes1.845.9521.2928.46

Given the distance from EMS locations to rural areas and local hospitals, response and arrival times for accidents in less populated areas tend to be much higher than those in and around cities.

Transportation

Next, we’ll cover how many cars Nevadans own on average, the length of their regular commute times, and how they get around.

Car Ownership

Many people rely on cars for their regular transportation needs. This chart reveals just how many cars Nevadans tend to own.

Nevada Car Ownership

The state figures match the national ones almost exactly. Most Nevada drivers own an average of two cars, the next highest being one car, and then three. Just under 5 percent of Nevadans own five or more cars.

Commute Time

Those who drive to work can expect to devote a certain part of their day to traffic. Let’s see how long Nevadans often spend driving along their routes.

Nevada Commute Time

The average Nevada resident faces a commute time of 23.1 minutes, which is slightly less than the U.S. average of 25.3 minutes. A small number of Nevadans, nearly two percent, have “super commutes” of more than 90 minutes.

Commuter Transportation

Now, we’ll show the forms of transportation Nevada residents take during their commutes.

Nevada Commuter Transportation

Slightly higher numbers of Nevadans drove alone compared to the national average. Compared to this, a much smaller fraction of commuters carpooled or used public transportation.

Traffic Congestion in Nevada

Transportation in metropolitan areas and traffic congestion go hand-in-hand. Like other states, Nevada has its share of peak traffic times that may lead to delays on the road.

Let’s see how two of the biggest cities in Nevada rank for levels of traffic congestion based on the INRIX 2018 Global Traffic Scorecard.

CityHours Lost in Congestion (2018)Cost of Congestion (Per Driver)Inner City Travel Time (Minutes)Travel Speeds at Peak Times
Las Vegas63$8834Morning: 30 mph
Evening: 39 mph
Off-peak: 47 mph
Reno52$7243Morning: 29 mph
Evening: 38 mph
Off-peak: 46 mph

As with prior traffic data, the areas with the highest population top the reports. In this case, Las Vegas and Reno have the most congested traffic in The Silver State. In 2018, Las Vegans spent 63 hours in congested traffic — INRIX ranks it as the 31st most congested city in the U.S.

Reno rated 51st nationwide, at 52 hours.

The driving speeds at peak and off-peak times were about the same for both cities; during the heaviest time period, in the morning, they were at 30 and 29 mph respectively. Traffic in the evening eased up to nearly 40 mph and rose to nearly 50 mph during off-peak hours.

The cost of the congestion averaged under $1,000 per year per driver in each city.

We’ve come to the end of this comprehensive guide to Nevada car insurance, driving and insurance laws, traffic statistics, and more. What do you think? Did you learn everything you needed to know?

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