Auto insurance, shopped across 20+ carriers
Auto insurance is a contract between a vehicle owner and an insurer that pays for financial losses arising from accidents, theft, or other covered events involving a personal automobile.
- 20+ carriers compared
- Licensed in 5 states
- Local Las Vegas agents
- No-obligation quote
Affordable auto insurance in NV, AZ, UT, TX & OH
Any resident of NV, TX, OH, UT, or AZ who owns or operates a registered motor vehicle is required by state law to carry at least minimum liability coverage. Drivers who finance or lease vehicles typically must also carry comprehensive and collision coverage.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Auto insurance at a glance
- About $265/month for full coverage. Nevada is among the five most expensive states for car insurance, with full coverage averaging around $265 per month — well above the U.S. average of roughly $230 per month.
- 25/50/20 minimum required. State law requires at least $25,000 per person and $50,000 per accident in bodily-injury liability, plus $20,000 in property-damage liability, to register and drive.
- Nevada is an at-fault state. The driver who causes a crash is responsible for the damage, so carrying more than the bare minimum protects your finances.
- Roughly 1 in 8 drivers is uninsured. About 13% of Nevada drivers carry no coverage, which is why uninsured/underinsured motorist protection is strongly recommended.
Source: Bankrate, 2025; Insurance Research Council (IRC), 2024
Coverage explained
What auto insurance covers
The details
The parts of a auto policy
| Coverage | What it covers | Typically |
|---|---|---|
| Bodily injury liability | Medical expenses and legal costs for people injured in an accident you cause | Required |
| Property damage liability | Repair or replacement of another person's vehicle or property when you are at fault | Required |
| Uninsured/underinsured motorist | Your injuries and damages when the at-fault driver has no insurance or too little coverage | Varies by state |
| Personal injury protection (PIP) | Your medical bills and lost wages regardless of fault | No-fault states |
| Medical payments (MedPay) | Medical expenses for you and passengers after an accident regardless of fault | Optional |
| Collision | Damage to your vehicle from a collision with another car or object | If financed |
| Comprehensive | Damage to your vehicle from non-collision events such as theft, fire, hail, or flooding | If financed |
| Rental reimbursement | Cost of a rental car while your vehicle is being repaired after a covered loss | Add-on |
| Roadside assistance | Towing, flat tire, lockout, and battery jump services | Add-on |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does auto insurance work?
Auto insurance is a contract between you and the insurer where you pay a premium and the insurer agrees to pay for covered losses defined in your policy. Coverage is split into liability (protecting others when you are at fault) and first-party coverages (protecting your own vehicle and occupants). Your deductible is the amount you pay out of pocket before the insurer covers the rest on physical damage claims.
Pricing
What does auto insurance cost?
Here is what Nevada drivers pay on average. Your rate depends on your driving record, vehicle, ZIP code, and the coverage you choose. Drivers in the other states we serve can see local figures on their state page.
| Coverage type | Average monthly | Average annual |
|---|---|---|
| Full coverage | ~$265 | ~$3,180 |
| Minimum liability | ~$85 | ~$1,020 |
Nevada averages; figures vary by insurer and driver profile. Nevada ranks among the five most expensive states for full coverage.
Source: Bankrate, 2025; Insurify, 2025
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
Save more
Ways to save on auto insurance
- Bundle auto with home or renters. Multi-policy discounts commonly save 10-25% across both policies.
- Keep a clean driving record. Safe-driver and accident-free discounts reward three to five years without claims or violations.
- Try low-mileage or telematics. Pay-per-mile and safe-driving apps can lower premiums for light or careful drivers.
- Raise your deductible. A higher collision and comprehensive deductible lowers your monthly premium; just keep an emergency fund for the difference.
- Stack the smaller discounts. Good-student, multi-car, anti-theft, paperless, and pay-in-full discounts add up.
Source: Insurance Information Institute (III), 2025; Bankrate, 2025
Questions
Auto insurance FAQ
What does 'liability-only' auto insurance cover?
Does minimum coverage satisfy lender requirements if I have a car loan?
What happens if I drive without insurance in these states?
How much is car insurance in Nevada?
Is Nevada a no-fault state?
Do I need full coverage, or is liability enough?
How can I lower my Nevada car insurance rate?
More coverage