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The Full Nevada Auto Insurance Guide [Providers + Coverage]

Nevada Statistics SummaryDetails
Annual Road MilesTotal in State: 42,815
Vehicle Miles Driven: 25.3 million
VehiclesRegistered: 2.17 million
Thefts: 10,185
State Population3,034,392
Most Popular VehicleToyota RAV4
Uninsured Motorists10.60%
State Rank: 29th
Total Driving FatalitiesSpeeding: 95
Drunk Driving: 89
Average Annual PremiumsLiability: $681.56
Collision: $303.86
Comprehensive: $117.63
Cheapest ProviderUSAA
Depositors Insurance

Show me the money!

Nevada is known for showing (and taking) the money. Nevada is known for the nightlife of gambling and entertainment. It is also the largest producer of gold.

So, we want to keep the money where you like it – in your pocket.

Insurance can be tricky, where to get it and how much you need can be confusing. We are here to help. We have compiled a comprehensive look at insurance in Nevada.

What affects your rates? What companies are in your state? When should I renew my license? These are all questions and more we will be covering.

Ready to get a quote? We have you covered with that too. Enter your zip code and use our free comparison tool to get quotes now.

Table of Contents

Nevada Car Insurance Coverage and Rates

Liability limits, comprehensive, collision, and more are terms you hear often when looking for insurance. But, what do they really mean?

We are going to look at what type of coverage you are required to have, how to show it, and other coverages you may want to take a look at when looking for insurance.

Between Reno’s famous air show, the nightlife of Las Vegas, and the Hoover Dam you have more enjoyable things to do or places to spend your money than insurance. So let’s go ahead and dig into all the world of insurance.

– Nevada’s Car Culture

Shows like Counting Cars and Vegas Rat Rods show the love of nostalgic cars in Nevada. Both of these shows are filmed in Nevada’s very own Las Vegas.

But, Vegas isn’t the only city to show its love for cars. Reno, Nevada is home to the National Automobile Museum. This museum features over 200 cars portraying this history of cars from the 1800s to the current day.

And who would want to miss a massive open field of junked and painted cars carefully placed on top of each other? You can visit the International Car Forest of the Last Church in Goldfield to see this sight.

The state also has a love for racing. Las Vegas Motor Speedway hosts many NASCAR events.

While Nevada is known for the city lights of Las Vegas, not all of the state is like as populated. Nevada offers wide-open roads for drivers of all kinds to enjoy their vehicle of choice.

– Nevada Minimum Coverage

It is never safe to drive without insurance, for you or for other drivers on the road. Nevada, like most states, requires a minimum amount of insurance all drivers must car on their vehicles.

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

Let’s break down these required coverages.

  • $20,000 per accident to cover the total property damage
  • $25,000 per person to cover the bodily injury or death of any person
  • $50,000 per accident to cover total bodily injury or death liability

Liability coverage is used to recover losses for the party not at fault. So, if you are the one driving and caused the accident liability coverage will not pay for your loss. You are the one held liable for the accident.

This is why most drivers opt to have higher amounts of coverage than the minimum required. We will take a look at more coverages available as we continue.

– Forms of Financial Responsibility

Financial responsibility is the ability to pay for a loss that occurs if you cause it, also a fancy way of saying insurance.

Any time a police officer or government employee (DMV when registering a new car) request proof of insurance, you must be able to show proof.

Proof can be a declarations page of your policy or an identification card showing valid insurance. Nevada also allows drivers to show proof electronically on a mobile device. No more searching through your glove compartment.

Nevada also offers an easy way for law enforcement to check for uninsured drivers. Nevada LIVE is a database of all drivers that continuously validate drivers and their insurance.

– Premiums as a Percentage of Income

As of 2018, the disposable income of an average Nevada resident was $49,176. So how much of that income is going towards your insurance?

Over the course of three years, Nevada insurance averages slightly above $1,000 annually making it a little under three percent going towards insurance.

This is much higher than the countrywide average of 2.5 percent.

Interested in finding out how much you personally put towards insurance? Check out our percentage calculator.

CalculatorPro

– Core Coverage

The National Association of Insurance Commissioners takes the average premium of coverages offered by a state. This average is based on state minimum coverage.

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

As we discussed earlier, liability coverage is used when you are the driver at fault of the accident. Coverages, like comprehensive and collision, are coverages used to fix your vehicle no matter who is at fault.

Nevada does not mandate these coverages, but in the event of a leased or financed car, your dealer or financer may require them.

Keep reading to find out about more liability coverages you can add to your auto policy.

– Additional Liability

Additional coverages you can add to your policy are medical payments (med pay) and uninsured/underinsured motorist coverage.

Med pay is an additional payment you can receive to help pay for medical bills. This coverage can be used regardless of fault and to anyone in the vehicle at the time of the accident.

Uninsured/underinsured motorist coverage is used when you are hit by a vehicle carrying either no coverage or not enough to cover your loss. This is great additional liability coverage to add to your policy, especially if you drive a luxury car and more expensive to fix.

Nevada rates 29th in the US for uninsured motorists.

When an insured is looking at how much a company pays out for losses, they would look at loss ratio. The loss ratio is premium earned to claims filed. For instance, if a company has $100,000 in earned premium and pays out $60,000 in claims, the loss ratio is 60 percent.

If the loss ratio is over 100 percent, the company isn’t making money and that could be an indicator of financial problems in the future. If the loss ratio is low, say 30-40 percent, then they do not pay out in claims.

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

Now let’s move on to look at other endorsements you can add to your policy.

– Add-ons, Endorsements, and Riders

There are so many options that can be added to your auto policy to make sure you are fully covered. Below is a brief list of the most commonly used endorsements.

It is always a great idea to talk to your agent and relay your needs so your agent can make sure you have the proper riders added and you have no gaps in coverage.

– Male vs. Female Rates

Check out our table below, information is provided by Quadrant Data.

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

Gender and age can affect how much you pay for insurance. Teen drivers pay a much higher premium than experienced, older drivers.

Men tend to pay slightly more than women, but some companies do not show a difference in gender.

Here we have averages listed for companies and ranked in order of highest to lowest.

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

Best Nevada Car Insurance Companies

The next part of this insurance equation is finding a company. There are so many different carriers you can choose from that it can be a little overwhelming trying to figure out which one is a great fit for your needs.

Rest assured we are going to take that burden off your back. We are going to cover all the good, and bad, with available companies in Nevada.

We will also take a look at their rates. Depending on your circumstances, your rate could be different from each company. For instance, some companies rate more for commuting while another may weigh more on credit history.

First up, we will take a look at financial rates and the best customer ratings.

– The Largest Companies Financial Rating

AM Best is a rating company that solely focuses on the insurance industry. As a global company, AM Best rates insurers across the country in their financial status.

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, Geico, and USAA lead the pack with the highest financial rating.

– Companies with Best Ratings

We all want good rates when we are looking for insurance. Drivers want great coverage at the cheapest price. Once you find great coverage, you then want great customer service. No one wants to deal with a customer service representative that isn’t helpful or short in conversation.

J.D. Power looks at services, products, and companies and rates them from customer reviews.

Out of the fourteen companies listed above, three make the list of “among the best.” USAA is listed and rated, but not included in the colored chart. Please remember USAA is for military, veterans, and eligible family members.

– Companies with Most Complaints in Nevada 

With all the good sometimes there is also negative. All companies will eventually get a complaint. Keep in mind, some of these companies have thousands of customers so their complaint ratio is extremely low even with higher numbers of complaints.

The Nevada Division of Insurance has the 2018 Consumer Complaint Report listing all complaints in the state of Nevada.

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

Looking at a company’s list of complaints can help determine if that company is a good fit for your needs and if you may have trouble with them in the future.

– Cheapest Companies in Nevada

So, let’s get down to it – which companies are the cheapest?

We looked at the top ten largest companies in Nevada and compared each of them to the state average. Take a look at how these companies compare.

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, Depositor’s Insurance, and Geico are the cheapest insurance companies when comparing to the state average. Progressive is also a company well below the state average premium.

Now we are going to dig into what makes rates different for each company. We will look at the commuting time, credit history, and more of what goes into getting your annual premium.

– Commute Rates by Companies

First up, we are going to look at commuting. If you travel to work, you could have a higher premium. Why? Well, it does make sense. The more you are on the road you have more of an opportunity to get into an accident or suffer some type of loss.

Let’s take a look.

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

American Family, Geico, State Farm, and USAA are companies that do differ in rates in regards to commuting time. If you do have a longer commute, those companies may still have better rates but be aware you are getting rated on your commuting time.

– Coverage Level Rates by Companies

As we mentioned earlier, you must have the minimum required insurance limits on your vehicle. But, we also mentioned, you should think about having higher limits when you purchase insurance. So, what is it going to cost you?

Below we compared three levels of coverage with each company.

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

As you can see, with some companies the rate increase for a higher coverage isn’t as high as maybe you would have thought.

Some companies, like Nationwide and American Family, have a difference of around two hundred dollars between the low coverage and high coverage.

Always get the quote. You may think it will be too expensive and you can not afford the premium, but remember this table – sometimes it is a lot cheaper than you think.

– Credit History Rates by Companies

The credit history used for insurance rates is a little different than what they are used for in major purchases like a car or home.

Insurance companies use your credit score, but only certain factors of your credit that would affect your ability to pay your premiums.

Some states, such as California and Massachusetts, do not use credit as a factor in rating your insurance. Nevada does use credit. So, let’s take a look at how your credit can affect Nevada car insurance rates.

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

Take a look at State Farm. The difference between good credit and poor credit is almost $8,000 a year. If you do have a poor credit score, Travelers or Progressive may be a good fit due to rates not as drastically being influenced by your credit.

– Driving Record Rates by Companies

Your driving record is one of the more obvious factors of rating your insurance premium. You see flashing blue lights in your rearview mirror and you know you have fees, court costs, and increased insurance premium.

Let’s see how much that ticket, accident, or DUI conviction costs you.

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
Having a driving under the influence conviction will cause your rate to spike the most. Not only can they harm or take lives, but a conviction could also drain your wallet.

– Largest Car Insurance Companies in Nevada

State Farm leads the pack as the largest insurance company writing in Nevada.

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%

State Farm is followed by Geico and Progressive as the largest writing companies.

– Number of Insurers by State

Nevada residents have 882 insurers to choose from when looking for insurance.

Property & Casualty InsuranceTotals
Domestic9
Foreign873
Total882

Domestic insurers simply mean the company was formed in the state. While foreign means the company was created out of state. The overwhelming majority of available insurers come from out of state.

Nevada Laws

We covered the confusing part of insurance now to venture into even more confusing territory – laws.

We are going to dig through some of Nevada’s laws. We will take a look at certain state laws and licensing laws along with road safety and distracted driving laws.

– Car Insurance Laws

State laws can affect car insurance laws. Ceratin laws, like windshield, fraud, and statute of limitations, determine how insurance is filed in the event of a loss.

– How State Laws for Insurance are Determined

Nevada insurance companies must file rates for approval prior to use. They are filed with the state insurance department.

– Windshield Coverage

Driving down the road, you hear the crack of a rock on your windshield. Do you have coverage to repair or replace your windshield?

There are no unique laws in Nevada regarding windshields. Nevada insurers do not require certain repair shops to be used, but you may be held responsible for the difference in price.

No laws regarding aftermarket parts.

If you add comprehensive coverage to your auto insurance policy, you may have windshield coverage. Some companies offer windshield replacement under comprehensive.

– High-Risk Insurance

Are you considered high-risk? Do you need SR-22 filing on your insurance? If your answer is yes, you may not qualify for insurance in a voluntary market.

Too many tickets or DUI convictions can make it hard to obtain insurance from just any company. Sometimes, it may push you into a residual market.

Nevada offers the Nevada Automobile Insurance Plan.

This plan is not a low-cost insurance plan. It is considered a last resort since you must have insurance to drive.

If you need SR-22, you may still qualify for a voluntary market insurance plan. Drivers needing an SR-22 filing have either been convicted of driving without coverage or have a lengthy record. SR-22 is not insurance. It is filed by your insurance company to your Department of Motor Vehicles office to verify you do have insurance coverage.

– Low-Cost Insurance

At this time, Nevada does not offer a low-cost insurance plan.

The best way to get the cheapest insurance is to keep a clean record, good credit, and shop around your insurance.

You can start here by entering your zip code to get a free, no-obligation quote.

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– Automobile Insurance Fraud in Nevada

Insurance fraud is considered a serious crime.

If you are convicted of insurance fraud in Nevada, you can face up to four years in prison and have a fine of up to $5,000.

You can also be ordered to pay restitution.

So what is a fraudulent act? Below is taken from the state law regarding what insurance fraud is.

1.  “Insurance fraud” means knowingly and willfully:

(a) Presenting or causing to be presented any statement to an insurer, a reinsurer, a producer, a broker or any agent thereof, if the person who presents or causes the presentation of the statement knows that the statement conceals or omits facts, or contains false or misleading information concerning any fact material to an application for the issuance of a policy of insurance.

(b) Presenting or causing to be presented any statement as a part of, or in support of, a claim for payment or other benefits under a policy of insurance, if the person who presents or causes the presentation of the statement knows that the statement conceals or omits facts, or contains false or misleading information concerning any fact material to that claim.

(c) Assisting, abetting, soliciting or conspiring with another person to present or cause to be presented any statement to an insurer, a reinsurer, a producer, a broker or any agent thereof, if the person who assists, abets, solicits or conspires knows that the statement conceals or omits facts, or contains false or misleading information concerning any fact material to an application for the issuance of a policy of insurance or a claim for payment or other benefits under such a policy.

(d) Acting or failing to act with the intent of defrauding or deceiving an insurer, a reinsurer, a producer, a broker or any agent thereof, to obtain a policy of insurance or any proceeds or other benefits under such a policy.

(e) As a practitioner, an insurer or any agent thereof, acting to assist, conspire with or urge another person to commit any act or omission specified in this section through deceit, misrepresentation or other fraudulent means.

(f) Accepting any proceeds or other benefits under a policy of insurance, if the person who accepts the proceeds or other benefits knows that the proceeds or other benefits are derived from any act or omission specified in this section.

(g) Employing a person to procure clients, patients or other persons who obtain services or benefits under a policy of insurance for the purpose of engaging in any act or omission specified in this section, except that such insurance fraud does not include contact or communication by an insurer or an agent or representative of the insurer with a client, patient or other person if the contact or communication is made for a lawful purpose, including, without limitation, communication by an insurer with a holder of a policy of insurance issued by the insurer or with a claimant concerning the settlement of any claims against the policy.

(h) Participating in, aiding, abetting, conspiring to commit, soliciting another person to commit, or permitting an employee or agent to commit any act or omission specified in this section.

Nevada has an insurance fraud unit that only deals with and investigates fraudulent claims. If you suspect fraud is being committed, please report to:

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

– Statute of Limitations

The statute of limitations is the time frame you have to file a lawsuit.

This is different than filing the initial claim with your insurance company. You must file the claim as soon as possible to avoid more damage and loss of evidence.

In Nevada, residents have two years for personal injury and three years for bodily injury.

– Vehicle Licensing Laws

Just like your car needs insurance, you need a license to operate a vehicle.

Whether you are new to Nevada or just need to renew your license, we are going to take a look at how to keep you as the driver legal on the roads.

– Real ID

In 2005, Congress passed the Real ID Act. This act tightens up laws in the issuance of driver’s licenses. If you state complies with the regulations set by Congress, you can use your driver’s license to board commercial flights and as identification to enter federal buildings.

Nevada is a complaint state for the Real ID.

This program is completely optional, but if you fly commercially or ever need to obtain entry on a military base or other federal property you will need to update your license.

Nevada residents have until October 1, 2020, or until their license expires to change to the Real ID-compliant license.

– Penalties for Driving Without Insurance

Driving without insurance is illegal and dangerous.

The below chart is taken from the Nevada Department of Motor Vehicles.

Length of Lapse:1-30 Days31-90 Days91-180 Days181 Days or More
First Offense
Reinstatement Fee$251$251$251$251
Fine$250$500$1,000
SR-22 InsuranceYesYes
Second Offense
Reinstatement Fee$501$501$501$501
Fine$500$500$1,000
SR-22 InsuranceYesYes
Third Offense
Reinstatement Fee$751$751$751$751
Fine$500$750$1,000
SR-22 InsuranceYesYesYesYes
Driver License SuspensionMin. 30 daysMin. 30 daysMin. 30 daysMin. 30 days

Multiple offenses can cost you suspensions, fines, reinstatement fees, and even require SR-22 filing for your insurance.

– Teen Driver Laws

At fifteen years and six months, teens can hold a learner’s permit. Drivers with a learner’s permit must have 50 hours of driving with 10 hours being at night. Teens with a learner’s permit must drive with a licensed driver 21 years or older.

Once a driver has possessed a learner’s permit for six months with no violations, they are ready to receive their minor license. Teen drivers ready for their minor license must go to DMV with a legal guardian and pass a behind the wheel test.

This license allows them to drive alone, but with restrictions. Teens with a minor license must follow these restrictions:

  • For the first six months, drivers can only transport passengers 18 and older unless immediate family members.
  • Teens can not drive between 10 pm and 5 am, unless from a school activity or work. This restriction is until the driver turns 18.

All teen drivers and passengers must wear seatbelts.

– Older Driver License Renewal Procedures

At age 65, residents of Nevada must renew their licenses every four years. Drivers over the age of 65 can renew online, by mail, or in person. Every other renewal must be done in person. At age 71, all drivers must show proof of adequate vision at the time of renewal.

– New Residents

Welcome to Nevada.

You must be a legal resident of Nevada to hold a Nevada state license. In order to have a Nevada state license, you must surrender your out-of-state license. You must also bring proof of identity, proof of residence, and social security card.

– License renewal procedures

Drivers 65 years and younger must renew their licenses every eight years. You can renew your license online or by mail if you chose to have a four-year license. Every eight years you must go in person to your local DMV office.

If you are late renewing your license, you must pay a $10 fee. If your license has been expired for more than a year, you must take the written test. The skills test is required if your license has been expired for four or more years.

– Negligent Operator Treatment System (NOTS)

You can be convicted of reckless driving for the following offenses:

  • Disregarding the safety of others when driving
  • Street racing
  • Failing to yield to a police officer

Depending on the type and level of reckless driving, a driver can face fines, suspension, jail time, and community service.

A first offense conviction of reckless driving can bring up to six months in jail and/or fines from $250 to $1,000.

Most reckless driving convictions are classified as a misdemeanor. If a driver is convicted of reckless driving and due to that violation causes serious bodily harm or even death, they can be charged with a felony and lose their license for up to three years.

– Rules of the Road

To be a safe driver, you need to know the rules of the road. These rules keep everyone safe on the roads if followed.

Let’s take a look at Nevada seatbelt laws, speed limits, ridesharing, and more.

– Fault vs. No-Fault

Nevada is an at-fault state. This means whoever is at fault for the accident files the insurance and their liability pays out for the other party. It doesn’t end there though.

Nevada also follows a comparative negligence rule. This means if you are less than 50 percent at fault you can recover your loss. If you do have some part at fault, you can not recover that percentage. For instance, if you have a claim totaling $100,000 and found forty percent at fault, you can only recover $60,000 for your loss.

– Seat belt and car seat laws

Seat belts are required for any passengers 6 years and older in front or back seats. This is not a primary offense, this means an officer will not pull you over for only this offense. There is a maximum fee of $25 for this violation.

All children 5 years and younger and weighing 60 pounds or less must be in a child safety seat. The minimum fine for this violation is $100 up to $500. The fine can be substituted with 10 to no more than 50 hours of community service.

Riding in the cargo area of a truck is not allowed for passengers under the age of 18. Exceptions are made for farming and parades.

– Keep Right and Move Over Laws

Nevada law requires drivers to slow below the posted speed limit when approaching emergency vehicles with flashing lights. If safety permits, the driver should vacate the closest lane to the emergency vehicle.

Drivers should also keep right if driving below the speed limit.

– Speed Limits

Speed limits are posted on most roadways. Rural interstates have a limit of 80 mph while urban interstates are slower at 65 mph. Other roads or limited-access roads are set at 70 mph.

Speed limits are subject to change, especially in construction zones.

– Ridesharing

Ridesharing has become a popular way to get around during a night out or make some extra cash on the side. But, what happens if you are driving while on the clock with a company like Uber or Lyft?

Well, most drivers do not need to purchase a commercial policy for driving for a ridesharing company. Uber and Lyft offer commercial coverage of $1.5 million in the event of an accident.

It is always a good idea to inform your personal auto policy of how you use your vehicle to make sure there no gaps in coverage.

– Automation on the Road (IIHS)

Cars driving themselves are no longer a thing of the future. Most cars have some type of automation whether it be adaptive cruise control or self-parking features.

Nevada does allow the deployment of autonomous vehicles on its roadways. You must have liability insurance and depending on the level of automation you may not need a licensed driver in the car.

– Safety Laws

Two of the biggest safety laws include alcohol and cell phones. While alcohol takes lives, drivers still get behind the wheel after drinking.

Cell phones have become a necessity for most adults and teens. Unfortunately, drivers place cell phones of more importance than safety causing serious accidents.

– DUI Laws

Driving under the influence of alcohol can take lives, but if you are lucky enough to walk away without harming yourself or others you will have some other consequences coming your way. You can lose your license, fines, and even jail time.

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

– Marijuana-Impaired Driving Laws

While recreational use of marijuana is legal in Nevada, driving while using is no different than driving while under the influence of alcohol.

No driver, or passenger, can use marijuana in a motor vehicle. If you have two or more nanograms of THC in your system, you are impaired.

– Distracted Driving Laws

There are many things that can distract drivers on the road. They can range from phones and grooming to eating and changing the music. We are going to focus on the use of cell phones.

It is illegal in Nevada to use a hand-held cellular device. This law includes maps, texting, and any internet usage.

You are allowed to use a cell phone with a hands-free option.

First offense convictions incur a fine of $50 and subsequent fines range from $100 – $250. If the violation occurs in a work zone, the fine can be doubled.

Driving in Nevada

We have covered a lot of information so far. In this next section, we are going to focus on statistics. We are going to take a brief look at car theft, but then we are going to really dig into fatality statistics in Nevada.

Being informed with statistics can save lives by knowing when and where most fatal accidents occur.

– Vehicle Theft in Nevada

Does your car make the list of the top stolen vehicles in Nevada?

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

Hondas take the top two spots followed by Chevy and Ford pick-up trucks. The years listed for all vehicles are the most popular year stolen.

And remember when we talked about cities and zipcodes changing your premium? This is why. We took a look at the FBI crime data to see which cities have more auto theft.

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

Insurance companies take a look at which places have higher crime and rate cities with more crime higher than others.

– Road Fatalities in Nevada

Here come the stats. We have statistics for where, when, who and why fatalities occur. All tables use data from the National Highway Traffic Safety Administration.

– Most fatal highway in Nevada

Interstate 80 is the most fatal highway located in Nevada. It sees an average of 15 fatal accidents a year.

– Fatal Crashes by Weather Condition and Light Condition

Let’s take a look at how weather and light make a difference in fatal accidents.

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

Normal, daylight hours see more fatalities than any other light or weather condition.

– Fatalities (All Crashes) by County

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

Urban cities saw more fatalities than rural areas with lower population.

– Traffic Fatalities

It is no surprise that urban roads had more fatalities than rural roads.

TypeNumber of Fatalities
Rural Traffic Fatalities79
Urban Traffic Fatalities227

– Fatalities by Person Type

Here is a breakdown of fatalities by person type.

Person TypeNumber
Occupants (Enclosed Vehicles)148
Motorcyclists54
Nonoccupants107

– Fatalities by Crash Type

Single-vehicle fatalities were the highest amoung crash type fatalities.

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

– Five-Year Trend For The Top 10 Counties

We looked at the trend of fatalities from 2013-2018 in the top 10 counties in Nevada.

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

– Fatalities Involving Speeding by County

Speeding causes serious accidents and sometimes even fatalities.

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

Also, the trend continued of higher populated cities had more fatalities.

– Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Clark County tops the list with the most fatalities involving 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

– Teen Drinking and Driving

While Nevada has teen drinking and driving, they are on average with the rest of the nation.

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

– EMS Response Time

In the event of an accident, knowing if EMS can get you quickly and get you to a hospital is imperative.

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

In urban areas, EMS can have injured patients to a hospital in under 30 minutes. While on rural roads, it will take a little over an hour.

– Transportation

Lastly, we are going to look at transportation. How do Nevada residents get to work and how long do they travel to get there?

We will also wrap up with traffic congestion.

Like most Americans, Nevada households usually have two vehicles.

– Commute Time

According to Census.gov, the average commute time for Nevada residents is around 23 minutes.

– Commuter Transportation

Again, like most Americans, Nevada residents prefer driving to work alone with well over 70 percent choosing that option according to Census.gov. The next option is carpool with right at 10 percent and nothing else comes close.

– Traffic Congestion in Nevada

Metropolitan areas are known for traffic and congestion, especially during peak hours.

Let’s take a look at two of the largest cities in Nevada, Las Vegas and Reno, and what IRNIX says about their traffic congestion. 

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

The average cost of traffic congestion in both cities is under $1,000 a year.

You made it through our comprehensive guide to finding the cheapest insurance in Nevada. We hope you are well on your way to making the best decision for your insurance needs.

Start your search by entering your zip code here and using our free comparison tool.

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