Drivers in high-claim areas may face higher base rates but can reduce costs with safe driving habits. Exploring discounts and understanding claims can help offset premium increases after an accident.
Best Car Insurance After an Accident in Nevada (Top 10 Company Ranking for 2025)
The best car insurance after an accident in Nevada comes from State Farm, Geico, and Farmers. State Farm offers the lowest rates at $122/month for full coverage. Geico stands out for customizable policies, while Farmers excels in agent support. Knowing Nevada’s insurance requirements helps drivers find the right post-accident coverage.
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UPDATED: Feb 26, 2025Fact Checked
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Feb 26, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Feb 26, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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UPDATED: Feb 26, 2025Fact Checked
Best Plan After Accident in NV: Geico
19,116 reviewsCompany Facts
Full Coverage After Accident in NV
$181/mo
A.M. Best Rating
A++
Complaint Level
Low
Pros & Cons
19,116 reviewsBest NV Accident Agents: Farmers
3,072 reviewsCompany Facts
Full Coverage After Accident in NV
$224/mo
A.M. Best Rating
A
Complaint Level
Low
Pros & Cons
3,072 reviewsThe best car insurance after an accident in Nevada comes from State Farm, Geico, and Farmers, with State Farm offering the lowest full coverage rate at $122/month, plus multi-policy and safe driver discounts.
Geico allows flexible policy customization, including accident forgiveness, while Farmers provides strong local agent support for personalized assistance. After an accident, premiums typically rise, but you can get low-cost car insurance with driver discounts, such as bundling, defensive driving, and accident-free savings.
Our Top 10 Company Picks: Best Car Insurance After an Accident in Nevada| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 13% | B | Many Discounts | State Farm |
 | #2 | 15% | A++ | Custom Plan | Geico |
 | #3 | 17% | A | Local Agents | Farmers |
 | #4 | 12% | A | Online App | AAA |
 | #5 | 14% | A | Student Savings | American Family |
 | #6 | 18% | A | Customizable Polices | Liberty Mutual |
 | #7 | 11% | A+ | 24/7 Support | Erie |
 | #8 | 16% | A+ | Customer Service | Amica |
 | #9 | 19% | A+ | Add-on Coverages | Allstate |
 | #10 | 20% | A+ | Innovative Programs | Progressive |
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Understanding Nevada car insurance requirements ensures you maintain proper coverage and avoid penalties. See if you’re getting the best deal on car insurance by entering your ZIP code here.
Overview
- State Farm offers top coverage with many discount options
- Geico and Farmers provides flexible plans and local support
- Accident history raises rates, but driver discounts lower costs
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#1 – State Farm: Top Overall Pick
Pros
- Plenty of Ways to Save: State Farm offers various discounts, including a 13% bundling deal, plus savings for multi-car policies and safe drivers.
- Personalized Local Support: With a strong network of Nevada agents, policyholders get in-person assistance for claims and policy management.
- Affordable Rates for Full Coverage: At $122/month, State Farm’s pricing is lower than AAA ($133) and Allstate ($210), making it a solid choice for those looking for the best car insurance in Nevada.
Cons
- Weaker Financial Strength Rating: State Farm holds a B rating from A.M. Best, trailing behind competitors like Geico (A++) and Amica (A+).
- Limited Customization Options: Unlike Geico or Progressive, policy flexibility is lacking, which may impact those looking for tailored coverage in a State Farm insurance review & ratings.
#2 – Geico: Best for Customizable Coverage
Pros
- Affordable Full Coverage: Geico provides full coverage for $181/month, which is lower than Farmers ($224) and Liberty Mutual ($172), making it a solid option, according to Geico auto insurance review.
- Flexible Policy Features: Nevada drivers can personalize their policies by adjusting deductibles, adding accident forgiveness, and including roadside assistance.
- Financially Sound Provider: Geico, with its A++ rating by A.M. Best, stands out as financially sound, offering policyholders a sense of dependability in finding the best Nevada auto insurance.
Cons
- Limited Local Agent Support: Unlike Farmers or State Farm, Geico primarily operates online, which means fewer in-person service options for Nevada drivers.
- Higher Minimum Coverage Rates: Geico’s $76/month liability rate is pricier than Erie ($32) and State Farm ($51), which could be a drawback for budget-conscious drivers.
#3 – Farmers: Best for Local Agent Support
Pros
- Ideal for Local Support: Farmers excels at offering in-person service, making it perfect for drivers in Nevada who appreciate having a dedicated agent, according to Farmers insurance review & ratings.
- Big Savings on Bundling: Get up to a 17% discount when combining auto and home insurance policies, which can help you save a lot if you’re looking for the cheapest car insurance in Nevada.
- Trustworthy Financial Strength: Rated A by A.M. Best, Farmers offers confidence that your claims will be settled quickly.
Cons
- Higher Monthly Rates: At $224 for full coverage, Farmers is more expensive than Geico at $181 and Erie at $82, and thus less attractive to those wanting the lowest cost car insurance in Nevada.
- Limited Digital Tools: The lack of advanced features in the Farmers’ mobile app may not suit those who prefer managing their policies digitally.
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#4 – AAA: Best for Mobile App Convenience
Pros
- Easy Policy Management: AAA’s mobile app makes handling claims, payments, and roadside assistance a breeze for drivers. Managing your AAA insurance review & ratings is simple and convenient.
- Budget-Friendly Minimum Coverage: Nevada drivers can get basic coverage for just $50/month, which is lower than Progressive ($65) and Liberty Mutual ($72).
- Stable Financial Strength: As an A-rated company by A.M. Best, AAA gives policyholders assurance that their coverage and claims are safe.
Cons
- More Costly Full Coverage: At $133 a month, AAA full coverage is more costly than State Farm ($122) and Erie ($82), making it less affordable for those requiring more coverage.
- Limited Savings Opportunities: While AAA offers a 12% bundling discount, other Nevada car insurance providers like Allstate (19%) and Progressive (20%) provide better savings.
#5 – American Family: Best for Student Discounts
Pros
- Excellent Student Discounts: Nevada young drivers can enjoy the American Family’s liberal student discounts, which makes it a good choice for those searching to save money.
- Financial Strength: With an A rating by A.M. Best, the company delivers secure claim payments, keeping policyholders safe when needed.
- Ideal for Bundling Savings: Nevada residents can lower their insurance expenses with one of the best car insurance providers in Las Vegas, offering a 14% discount on multi-policy bundles.
Cons
- Higher Full Coverage Costs: At $259 per month, American Family’s full coverage rates are among the most expensive in the state.
- Fewer Local Agents: Our American Family insurance review & ratings stated that American Family has limited in-person service, making it less accessible for those seeking a personal touch.
#6 – Liberty Mutual: Best for Customizable Policies
Pros
- Adjustable Coverage Choices – Our Liberty Mutual auto insurance review highlights options like accident forgiveness, rental car coverage, and other add-ons for personalized protection.
- Big Savings on Bundles – Policyholders can cut costs with an 18% multi-policy discount, making it easier to save.
- Trusted Financial Strength – Carries an A rating by A.M. Best, guaranteeing secure claim payments and long-term policy protection.
Cons
- More Expensive Full Coverage – At $172 per month, rates are higher than Progressive ($156) and State Farm ($122), offering Costco car insurance as a viable alternative for frugal drivers.
- Inconsistent Customer Service – Some drivers mention slow claims processing, which can be frustrating when quick resolutions are needed.
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#7 – Erie: Best for Low-Cost Coverage
Pros
- Cost-effective Full Coverage: Erie is the best option for drivers on a tight budget because their full coverage rates of at $82/month are the lowest in Nevada.
- Dependable Service: Compared to its big business competitors, Erie receives fewer complaints, making the policyholder experience easier.
- Strong Financial Standing: Backed by an A+ A.M. Best rating, Erie ensures dependable claim payouts, as noted in its Erie Insurance review & ratings.
Cons
- Limited Availability: Erie isn’t as widely accessible in Nevada as Geico or State Farm, which may make it harder to qualify.
- Lacks Advanced Digital Tools: Without a full-service mobile app, managing policies and filing claims online can be inconvenient.
#8 – Amica: Best for Customer Service
Pros
- Better Customer Service: Amica gives Nevada motorists superior customer service with 24/7 claim assistance and excellent satisfaction ratings.
- A+ Financial Strength: Amica maintains an A+ A.M. Best rating, meaning Nevada motorists get safe and timely insurance claim payments.
- Generous Discounts: Amica offers a 16% bundling discount for Nevada insurance, plus safe driver and accident-free savings for additional reductions.
Cons
- Higher Full Coverage Costs: Amica’s $231/month full coverage rate is pricier than Erie ($82) or Geico ($181), making it less budget-friendly for Nevada drivers.
- Fewer In-Person Service Options: Drivers who prefer face-to-face support may find Amica’s limited local presence in Nevada inconvenient, as mentioned in this Amica insurance review & ratings.
#9 – Allstate: Best for Add-on Coverages
Pros
- Diverse Coverage Options – Allstate provides useful add-ons like accident forgiveness, new car replacement, and rental reimbursement, giving drivers extra peace of mind.
- Big Savings on Bundling – With a 19% discount, Nevada drivers can cut costs when combining auto, home, or renter policies.
- Reliable Claim Payments – Backed by an A+ A.M. Best rating, Allstate ensures financial stability, making it a dependable choice for coverage.
Cons
- Pricier Than Some Competitors – At $210/month, Allstate’s full coverage costs more than Geico ($181) and Erie ($82).
- Varied Customer Experiences – Some policyholders in Nevada have reported slow claims processing, which could be a drawback for those needing quick resolutions in an Allstate auto insurance review.
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#10 – Progressive: Best for Innovative Programs
Pros
- Best for Innovative Programs in Nevada: Progressive auto insurance review highlights the Snapshot program, which helps safe drivers save by tracking their habits.
- Highest Bundling Discounts: With a 20% bundling discount, Progressive offers more significant savings than Allstate (19%) and Farmers (17%).
- Full Coverage Without the High Price Tag: At just $156/month, Progressive auto insurance provides affordable full coverage, making it a better deal than Allstate ($210) and Liberty Mutual ($172).
Cons
- Higher Minimum Coverage Rates: Progressive insurance charges $65/month for minimum coverage, which is pricier than Erie ($32) and AAA ($50).
- Inconsistent Customer Service: Some Nevada drivers mention slow claim resolutions and mixed service experiences.
Understanding Car Insurance Rates and Coverage in Nevada
Nevada car insurance premiums differ widely across insurers. For minimum coverage following an accident, prices vary from $32 with Erie to $109 with American Family, while for full coverage it is between $82 and $259.
Nevada After an Accident Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $50 | $133 |
| $88 | $210 |
| $109 | $259 |
| $70 | $231 |
| $32 | $82 |
| $94 | $224 |
| $76 | $181 |
| $72 | $172 |
| $65 | $156 |
| $51 | $122 |
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Personal liability insurance is a central component of these policies. It covers the losses or injuries caused to others if you are at fault in an accident. Full coverage includes liability and additional protections for more financial security.
Choosing the best car insurance in Las Vegas involves considering both cost and coverage. Drivers should compare rates from providers to ensure they have enough liability protection, especially in Nevada’s at-fault insurance system.
Top-Rated Car Insurance Companies in Nevada for Providing Discounts
Nevada drivers can benefit from various discounts, especially after an accident. Loyalty-based programs like AAA’s Loyal Customer Offer and Amica’s Loyalty Advantage help long-term policyholders save money.
Car Insurance Discounts From the Top Providers After an Accident in Nevada| Insurance Company | Discount Program |
|---|---|
| Loyal Customer Offer |
| Drivewise Rewards |
| Early Bird Savings |
| Loyalty Advantage |
| Claim-Free Bonus |
| Smart Home Discount |
| Multi-Policy Savings |
| Home Auto Bundle |
| Multi-Line Discount |
| Safe Driver Discount |
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Safe driving discounts, including Allstate’s drivewise rewards and State Farm’s safe driver discount, reward careful driving. Bundling discounts, including Geico’s multi-policy savings, lower insurance rates further.
Certain insurers offer the best safety features car insurance discounts, which reward motorists for incorporating the latest vehicle technology. These savings help lower premiums, making coverage more affordable after an accident.
Car Insurance Discounts From Top Nevada Providers| Insurance Company | Bundling | Good Driver | Loyalty | Automatic Payment | Accident-Free |
|---|---|---|---|---|---|
| 20% | 15% | 5% | 5% | 10% |
| 25% | 20% | 10% | 5% | 15% |
| 20% | 20% | 5% | 5% | 10% |
| 15% | 10% | 5% | 5% | 5% |
| 20% | 20% | 5% | 5% | 10% |
| 10% | 15% | 5% | 5% | 10% |
| 20% | 30% | 5% | 5% | 10% |
 | 20% | 15% | 5% | 5% | 5% |
| 10% | 10% | 5% | 5% | 10% |
 | 20% | 15% | 5% | 5% | 10% |
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Young drivers and accident-free motorists also qualify for discounts. Liberty Mutual offers 30% off for good drivers, while Farmers provides loyalty rewards. Bundling and auto-pay discounts further reduce costs.
How Accidents Affect Your Insurance Claims
Accidents influence insurance premiums in Nevada, with insurers charging premiums based on claim frequency and severity. Las Vegas is one of the cities that experiences high accident rates, which translates to higher costs for drivers in high-risk areas.
Nevada Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Boulder City | 600 | 500 |
| Carson City | 1,500 | 1,300 |
| Elko | 1,000 | 900 |
| Henderson | 2,500 | 2,000 |
| Las Vegas | 30,000 | 25,000 |
| Laughlin | 500 | 400 |
| Mesquite | 900 | 800 |
| North Las Vegas | 2,200 | 1,800 |
| Reno | 3,000 | 2,500 |
| Spring Valley | 800 | 700 |
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The type of claim impacts premium changes, with collisions making up 35% and hit-and-run cases costing more. Knowing how to file a car accident claim – insurance helps ensure proper coverage and smoother claims.
5 Most Common Car Insurance Claims in Nevada| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collisions | 35% | $4,500 |
| Hit-and-Run | 30% | $7,000 |
| Weather-Related | 15% | $3,000 |
| Theft | 10% | $5,000 |
| Vandalism | 10% | $2,500 |
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How Nevada’s Accident Forgiveness Policies Affect Your Premiums
Nevada’s insurance premiums are influenced by traffic, theft, and uninsured motorists. Accident forgiveness assists in managing costs following a collision. Policy comparison is important, particularly for those requiring consistent coverage.
Nevada Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | A | High urban population density |
| Vehicle Theft Rate | A | Elevated vehicle theft rates |
| Average Claim Size | B | Higher repair and medical costs |
| Uninsured Drivers Rate | B | Significant uninsured drivers |
| Weather-Related Risks | C | Severe weather events |
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The best car insurance for high-risk drivers is important following an accident. Some insurers offer accident forgiveness with conditions. Safe driving and policy comparisons help keep rates affordable in the long term.
Finding the Best Car Insurance Companies in Nevada
Having the appropriate car insurance in Nevada is about staying legal and financially protected. With so many carriers out there, the ideal policy isn’t necessarily the most affordable one—it’s the one that has the proper protection, solid financial stability, and responsive customer service.
Follow these five steps to find the best car insurance coverage with the correct cost, service, and reliability balance.
- Pick a Reliable Insurer: Check AM Best or Moody’s for financial strength. Read J.D. Power ratings and customer reviews to find an insurer with solid service and the best car insurance for claims.
- Compare Coverage Options: Look beyond price. Choose policies with collision, comprehensive, and extras like roadside assistance. The best car insurance coverage protects against unexpected expenses.
- Know Nevada’s Requirements: Nevada requires 25/50/20 liability coverage. While this meets legal minimums, higher limits provide better financial security in major accidents.
- Understand At-Fault Rules: Nevada’s at-fault system holds the responsible driver liable for damages. Insurers assess how fault is determined in a rear-end collision to decide payouts, making fault rules crucial for claim disputes.
- Balance Cost and Value: The cheapest policy isn’t always the best. Compare quotes, check discounts, and choose an insurer with a fast, reliable claims process for the best overall protection.
Finding the right car insurance in Nevada means looking beyond the basics. The goal is to get the best car insurance coverage that protects you financially while providing excellent support when you need to file a claim.
Car Insurance Options for Drivers with an Accident History
Accidents cause many insurers to deem these drivers as high-risk. Some insure them, yet charges are steeper. The use of defensive driving courses, good credit, and higher deductibles can also lower premiums.
The search for the right insurance is the means by which cash savings can occur. Defensive driving courses prove responsibility, and improving credit helps reduce premiums. Since rates depend on history, knowing how long violations stay on your driving record is essential.
State Farm stands out for high-risk drivers with accident histories by offering accident forgiveness, flexible payment plans, and a user-friendly claims process, making it easier to regain affordable coverage while rebuilding a clean driving record.
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Shopping for multiple insurers ensures the best deal. Accident forgiveness programs prevent first-time rate hikes. Raising deductibles lowers payments but increases out-of-pocket costs. With the right approach, even high-risk drivers can find affordable coverage.
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Nevada’s Top Car Insurance Options After an Accident
Finding the best car insurance after an accident in Nevada means comparing top providers like State Farm, Geico, and Farmers. State Farm offers full coverage auto insurance at $122/month, while Geico provides accident forgiveness. Farmers stand out with strong local agent support.
Nevada drivers can lower rates with discounts for safe driving, bundling, and maintaining an accident-free record. Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest prices in your area.
Frequently Asked Questions
How long does an accident stay on your insurance in Nevada?
Accidents impact insurance rates based on driving history, with insurers considering past claims and violations when determining premiums. Look at our how does a moving violation affect car insurance for expanded insights.
How long after a car accident can you file a claim in Nevada?
Nevada drivers should report accidents and file claims as soon as possible to ensure proper coverage and smooth processing. Ready to find affordable car insurance? Use our free comparison tool to get started.
What is the cheapest liability insurance in Nevada?
Liability insurance rates vary by provider, with some insurers offering lower rates depending on factors like accident history and driving record.
Why are Nevada insurance rates so high?
High accident rates, theft, and uninsured motorists contribute to higher car insurance premiums in Nevada. Explore our car accidents involving uninsured and underinsured drivers for more insights.
What is the best liability coverage for car insurance?
Drivers should consider increasing their liability limits to ensure enough financial protection in case of an accident.
How do I get the best insurance claim?
Maintain detailed accident records, file claims promptly, and choose an insurer known for smooth claims processing.
Which insurance policy has the best claim settlement?
Insurers like Amica and Erie are recognized for efficient claim settlements and customer satisfaction in handling claims. Dive into our negotiating your car accident insurance settlement to gain a deeper insight.
How many types of claims are there in insurance?
Common car insurance claims include collision, comprehensive, liability, and uninsured motorist claims. See if you’re getting the best deal on car insurance by entering your ZIP code here.
What is the best auto insurance for accident history?
State Farm, Geico, and Farmers are top choices for drivers with an accident history, offering accident forgiveness, discounts, and strong agent support.
What is the basic car insurance in Nevada?
Nevada requires minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. Read more in our what you should know about auto insurance.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.