Example O — Liability Option 1 — 2023 Dodge Ram 1500 Bighorn — published premium data across Nevada

The driver, exactly as NV DOI defines it

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. Rate the husband. Rate as worst possible credit-based insurance score.

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.

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.