Published car-insurance premium data for Nevada
$534–$7,576range of median filed six-month premiums across the 648 combinations NV DOI publishes
The lowest single filed rate anywhere in this survey is $376 and the highest is $49,715 — 132.2× apart, for defined hypothetical drivers.
Nevada Division of Insurance · rates-effective date The 2026 edition of the guide carries no rates-effective date: it is not published by the source. The 2025 edition did state that its rates were six-month premiums but it too gave no effective date. · six-month premiums · 14,526 filed rates · retrieved 9 August 2026 · source document
This source publishes no rates-effective date
The 2026 edition of the guide carries no rates-effective date: it is not published by the source. The 2025 edition did state that its rates were six-month premiums but it too gave no effective date. We record the date we retrieved it — 9 August 2026 — as a separate field, and no page on this site presents that retrieval date where a rates date belongs.
- Driver profiles published
- 72
- Cities published
- 9
- Filed rates behind these pages
- 14,526
- Policy term
- six-month
What NV DOI publishes, and why it looks like this
The Nevada Division of Insurance publishes a consumer guide built around 72 lettered rate tables across 9 cities. Its distinguishing feature is an explicit three-way credit split: several of its examples are rated separately at best, neutral and worst credit standing, which almost no other regulator publishes at all.
Each lettered example is rated four times — two vehicles by two liability options — at four genuinely different premium levels, so the site publishes all 72 variants rather than collapsing them into eighteen. Collapsing them would invent a band the regulator never published. Premiums are for a six-month term; the current edition states no rates-effective date and dropped the methodology note its predecessor carried, so the term is recorded as provenance from the previous edition rather than asserted.
What these figures are, and what they are not
Each figure is computed from the premiums insurers filed with Nevada Division of Insurance for one hypothetical driver the regulator defined. They are not quotes, not offers, and not what any individual pays. An insurer’s filed sample rate assumes the exact vehicle, mileage, record and coverage in the published profile, and nothing else.
Full coverage. Every example is rated twice: Liability Option 1 is $25,000 per person/$50,000 per accident bodily injury and $20,000 property damage, with $1,000 medical payments and $25,000/$50,000 uninsured motorist; Liability Option 2 is $100,000/$300,000 bodily injury and $50,000 property damage, with $5,000 medical payments and $100,000/$300,000 uninsured motorist. Both options carry a $250 comprehensive deductible and a $500 collision deductible, and each is rated on both survey vehicles. The exact limits for a profile are in its attributes. We publish the count and the distribution — the smallest filed rate, the quartiles, the median and the largest — and never a rate attributed to an insurer.
Every driver profile NV DOI publishes
| Driver profile | Combinations | Lowest filed | Median range | Highest filed |
|---|---|---|---|---|
| Example A — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Seventeen year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles round… | 9 | $920 | $1,765–$3,775 | $17,681 |
| Example A — Liability Option 1 — 2025 Toyota Corolla LE Seventeen year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles round… | 9 | $912 | $1,878–$4,066 | $17,231 |
| Example A — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Seventeen year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles round… | 9 | $1,359 | $2,016–$5,023 | $22,696 |
| Example A — Liability Option 2 — 2025 Toyota Corolla LE Seventeen year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles round… | 9 | $1,356 | $2,069–$5,152 | $22,498 |
| Example B — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Seventeen year-old single male. Average student (“C” average). One ticket 20 miles over the speed limit within past 12 months.… | 9 | $1,151 | $2,236–$5,099 | $17,979 |
| Example B — Liability Option 1 — 2025 Toyota Corolla LE Seventeen year-old single male. Average student (“C” average). One ticket 20 miles over the speed limit within past 12 months.… | 9 | $1,143 | $2,484–$5,565 | $17,562 |
| Example B — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Seventeen year-old single male. Average student (“C” average). One ticket 20 miles over the speed limit within past 12 months.… | 9 | $1,697 | $2,626–$7,434 | $23,043 |
| Example B — Liability Option 2 — 2025 Toyota Corolla LE Seventeen year-old single male. Average student (“C” average). One ticket 20 miles over the speed limit within past 12 months.… | 9 | $1,703 | $2,711–$6,993 | $22,933 |
| Example C — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Twenty-three year-old single female. One “At Fault” accident within past 12 months (under $1,000 damage). Attends college full… | 9 | $1,098 | $1,887–$4,000 | $8,382 |
| Example C — Liability Option 1 — 2025 Toyota Corolla LE Twenty-three year-old single female. One “At Fault” accident within past 12 months (under $1,000 damage). Attends college full… | 9 | $1,127 | $2,040–$3,984 | $8,238 |
| Example C — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Twenty-three year-old single female. One “At Fault” accident within past 12 months (under $1,000 damage). Attends college full… | 9 | $1,114 | $2,080–$5,368 | $11,155 |
| Example C — Liability Option 2 — 2025 Toyota Corolla LE Twenty-three year-old single female. One “At Fault” accident within past 12 months (under $1,000 damage). Attends college full… | 9 | $1,227 | $2,236–$5,748 | $10,702 |
| Example D — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles round trip to work… | 9 | $932 | $1,288–$2,754 | $5,902 |
| Example D — Liability Option 1 — 2025 Toyota Corolla LE Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles round trip to work… | 9 | $922 | $1,312–$2,856 | $5,946 |
| Example D — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles round trip to work… | 9 | $1,018 | $1,469–$4,091 | $7,614 |
| Example D — Liability Option 2 — 2025 Toyota Corolla LE Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles round trip to work… | 9 | $1,033 | $1,631–$4,408 | $7,896 |
| Example E — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Married couple both 45 years old. Clean driving records. Each drives 15 miles round trip to work daily. Annual mileage is 15,000… | 9 | $541 | $832–$1,970 | $5,613 |
| Example E — Liability Option 1 — 2025 Toyota Corolla LE Married couple both 45 years old. Clean driving records. Each drives 15 miles round trip to work daily. Annual mileage is 15,000… | 9 | $545 | $901–$1,992 | $6,181 |
| Example E — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Married couple both 45 years old. Clean driving records. Each drives 15 miles round trip to work daily. Annual mileage is 15,000… | 9 | $702 | $1,074–$2,933 | $7,405 |
| Example E — Liability Option 2 — 2025 Toyota Corolla LE Married couple both 45 years old. Clean driving records. Each drives 15 miles round trip to work daily. Annual mileage is 15,000… | 9 | $727 | $1,155–$3,117 | $8,993 |
| Example F — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Forty-five year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work… | 9 | $1,300 | $2,170–$4,657 | $7,258 |
| Example F — Liability Option 1 — 2025 Toyota Corolla LE Forty-five year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work… | 9 | $1,066 | $2,217–$4,702 | $8,067 |
| Example F — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Forty-five year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work… | 9 | $1,694 | $2,489–$6,206 | $10,152 |
| Example F — Liability Option 2 — 2025 Toyota Corolla LE Forty-five year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work… | 9 | $1,467 | $2,634–$6,178 | $9,566 |
| Example G — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Fifty-five year-old married female, principal operator of vehicle, retired 65 year-old husband occasional operator with a clean… | 9 | $668 | $1,257–$3,085 | $6,471 |
| Example G — Liability Option 1 — 2025 Toyota Corolla LE Fifty-five year-old married female, principal operator of vehicle, retired 65 year-old husband occasional operator with a clean… | 9 | $854 | $1,303–$3,262 | $6,584 |
| Example G — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Fifty-five year-old married female, principal operator of vehicle, retired 65 year-old husband occasional operator with a clean… | 9 | $1,042 | $1,685–$5,044 | $8,719 |
| Example G — Liability Option 2 — 2025 Toyota Corolla LE Fifty-five year-old married female, principal operator of vehicle, retired 65 year-old husband occasional operator with a clean… | 9 | $1,078 | $1,702–$4,957 | $9,122 |
| Example H — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Married retired couple both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $427 | $812–$2,000 | $5,010 |
| Example H — Liability Option 1 — 2025 Toyota Corolla LE Married retired couple both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $557 | $884–$2,152 | $5,273 |
| Example H — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Married retired couple both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $637 | $1,054–$2,999 | $6,553 |
| Example H — Liability Option 2 — 2025 Toyota Corolla LE Married retired couple both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $643 | $1,120–$3,128 | $7,121 |
| Example I — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record.… | 9 | $569 | $1,030–$2,520 | $5,027 |
| Example I — Liability Option 1 — 2025 Toyota Corolla LE Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record.… | 9 | $565 | $1,070–$2,630 | $5,167 |
| Example I — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record.… | 9 | $638 | $1,348–$3,798 | $6,584 |
| Example I — Liability Option 2 — 2025 Toyota Corolla LE Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record.… | 9 | $653 | $1,473–$4,101 | $6,943 |
| Example J — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $561 | $874–$1,772 | $5,902 |
| Example J — Liability Option 1 — 2025 Toyota Corolla LE Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $447 | $903–$1,750 | $5,946 |
| Example J — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $717 | $964–$2,341 | $7,614 |
| Example J — Liability Option 2 — 2025 Toyota Corolla LE Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $575 | $1,018–$2,636 | $7,896 |
| Example K — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $756 | $1,350–$3,066 | $5,902 |
| Example K — Liability Option 1 — 2025 Toyota Corolla LE Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $922 | $1,323–$2,880 | $5,946 |
| Example K — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $1,018 | $1,647–$4,303 | $7,614 |
| Example K — Liability Option 2 — 2025 Toyota Corolla LE Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $1,132 | $1,700–$4,408 | $7,896 |
| Example L — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $1,095 | $2,352–$5,052 | $34,687 |
| Example L — Liability Option 1 — 2025 Toyota Corolla LE Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $1,238 | $2,452–$4,823 | $36,211 |
| Example L — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $1,181 | $2,765–$6,794 | $46,842 |
| Example L — Liability Option 2 — 2025 Toyota Corolla LE Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to… | 9 | $1,326 | $2,850–$7,576 | $49,715 |
| Example M — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $419 | $582–$1,229 | $5,613 |
| Example M — Liability Option 1 — 2025 Toyota Corolla LE Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $418 | $575–$1,321 | $5,796 |
| Example M — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $506 | $695–$1,760 | $7,405 |
| Example M — Liability Option 2 — 2025 Toyota Corolla LE Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $526 | $777–$1,924 | $7,883 |
| Example N — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $541 | $922–$2,106 | $5,613 |
| Example N — Liability Option 1 — 2025 Toyota Corolla LE Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $545 | $960–$2,206 | $5,986 |
| Example N — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $709 | $1,074–$2,933 | $7,405 |
| Example N — Liability Option 2 — 2025 Toyota Corolla LE Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $727 | $1,155–$3,117 | $7,883 |
| Example O — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $941 | $1,743–$3,080 | $17,651 |
| Example O — Liability Option 1 — 2025 Toyota Corolla LE Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $949 | $1,714–$3,208 | $18,461 |
| Example O — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $1,086 | $2,104–$5,068 | $23,822 |
| Example O — Liability Option 2 — 2025 Toyota Corolla LE Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is… | 9 | $1,116 | $2,026–$4,862 | $25,380 |
| Example P — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $384 | $544–$1,262 | $5,010 |
| Example P — Liability Option 1 — 2025 Toyota Corolla LE Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $376 | $534–$1,270 | $5,273 |
| Example P — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $472 | $664–$1,729 | $6,553 |
| Example P — Liability Option 2 — 2025 Toyota Corolla LE Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $469 | $719–$1,954 | $7,121 |
| Example Q — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $556 | $792–$1,944 | $5,010 |
| Example Q — Liability Option 1 — 2025 Toyota Corolla LE Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $454 | $884–$2,152 | $5,273 |
| Example Q — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $637 | $1,054–$2,999 | $6,553 |
| Example Q — Liability Option 2 — 2025 Toyota Corolla LE Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $643 | $1,120–$3,128 | $7,121 |
| Example R — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $729 | $1,608–$3,457 | $18,296 |
| Example R — Liability Option 1 — 2025 Toyota Corolla LE Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $709 | $1,607–$3,393 | $19,127 |
| Example R — Liability Option 2 — 2023 Dodge Ram 1500 Bighorn Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $819 | $1,974–$5,422 | $24,766 |
| Example R — Liability Option 2 — 2025 Toyota Corolla LE Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a… | 9 | $825 | $2,028–$5,442 | $26,359 |
The other dimension of this survey
NV DOI rates 9 cities as well. Every one of them appears on the pages above, as a row inside each driver profile page. The transposed pages — one page per city, carrying every driver profile — are a later batch, and are named here rather than linked because they do not exist yet.
- Carson City
- Elko
- Fallon
- Henderson
- Las Vegas
- North Las Vegas
- Pahrump
- Reno
- Stateline
What Nevada requires by statute
These filed rates are for the coverage the survey defines, which is not the same thing as the state’s legal minimum. Car-insurance requirements in Nevada sets out what the statute obliges a driver to carry, with the citation and the effective date.
Questions about this data
- Are these car-insurance quotes for Nevada?
- No. They are rates insurers filed with Nevada Division of Insurance for driver profiles the regulator defined. They are not offers and not what any individual pays.
- Why is there no single average figure for Nevada?
- Because a single figure hides the spread, and the spread is the finding. Across this survey the lowest filed rate is $376 and the highest is $49,715, both for defined hypothetical drivers.
- Are these six-month premiums?
- Nevada Division of Insurance publishes six-month premiums. This site never converts between the two terms and never places one state's figures beside another's.
Source: Nevada Division of Insurance, no rates-effective date published. Retrieved 9 August 2026. 14,526 filed rates aggregated into 648 published distributions; no per-insurer figure is stored or shown.