Low-Cost Auto Insurance in Nevada

Auto insurance premiums can vary, especially in busy cities like Las Vegas and Henderson, but there are options to help you find coverage that fits your budget. At Agencia de Seguros de Accesso, LLC (A Abana) we help drivers like you get car insurance quotes in Nevada that are affordable and with individual needs in mind.  

Obtain personalized Nevada auto insurance with same-day proof after your payment and Spanish-bilingual support available. We can also help you with: 

• Low down payments and flexible payment plans 
• Quick SR-22 filings (owner and non-owner) 
• Multi-car and safe-driver discounts 

Are you looking for cheap auto insurance in Nevada? Save on Nevada auto insurance with A Abana. Get started today with a free quote online or call 214-764-8868.  

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What could affect your insurance rate in Nevada 

Did you know that where you live can impact your insurance rate? Some drivers don't realize that their premium is impacted by a mix of external and personal factors. In Nevada, conditions like heavy traffic on the Las Vegas Strip and major arterials, congestion along I-15 and US-95, and busy Reno-Sparks corridors can affect what you pay. The ZIP code where you garage your car can also determine costs. Other factors that can play a role are: 

• Driving record (accidents, tickets, prior insurance claims, etc.) 
• Age (could be an indicator of driving experience) 
• Vehicle (make, model, age) 
• Insurance coverage/limits (the types and amounts of coverage you choose) 
• Deductible amount (what you pay out of pocket for collision and comprehensive coverage before insurance covers a claim) 
• Discounts: Savings may be available for safe driving, being a good student, having continuous coverage, and more. Ask an agent which discounts you could qualify for. 
• Credit history (may be considered where permitted by law) 

Auto insurance rates can vary, so it’s important that you speak to an agent to be best informed. Start your quote with an A Abana agency in Las Vegas, Henderson, Reno, or by entering your ZIP code to compare options.  

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Nevada insurance requirements to know 

All drivers in Nevada need to carry a liability policy with at least state-set minimum limits which help cover costs if you cause damage to another vehicle or injure a driver in a car accident. Nevada's minimum coverage limits are 25/50/20, which means: 

• $25,000 for injuries per person 
• $50,000 for injuries per accident 
• $20,000 for property damage 

Nevada uses an electronic system, the Nevada Liability Insurance Validation Electronically (LIVE), to confirm that drivers have valid coverage. If you drive without the required insurance, you can receive penalties and fines, so it’s important to keep your policy up to date. 

Even if you have liability insurance, lenders typically require that you have extra coverage for leased or financed vehicles, typically collision and comprehensive. You may choose to consider more options, like uninsured/underinsured motorist (UM/UIM) coverage to cover costs if you’re in an accident with a driver who doesn’t have enough or any insurance.  

There is also medical payments (MedPay) or personal injury protection (PIP), which can pay medical expenses for you and your passengers, even if you’re at fault for an accident.  

Build a policy that fits your city driving habits  

Once you have Nevada’s state-required minimum liability insurance, you may have the flexibility to shape your policy with additional coverages and limits that matter to you. Driving in Nevada can offer a mix of experiences with stunning views, monotonous terrains, unpredictable weather, and busy city streets. Here are additional coverages you might want to consider: 

• Collision: Covers damage to your car after a crash, regardless of who’s at fault 
• Comprehensive: Helps cover damage to your car from covered events other than a collision like theft, weather, vandalism, or hitting an animal 
• Uninsured/underinsured motorist: Provides coverage if you’re involved in an accident with a driver who has little or no insurance, paying for medical expenses or vehicle repairs 
• Roadside assistance: Provides convenient services including help with flat tires, lockouts, or towing 
• Rental reimbursement: Can cover the cost of a rental vehicle when your car is being repaired due to a covered accident 

For motorists wanting cheap auto insurance in Las Vegas or other major Nevada cities, there are options. With A Abana, drivers can get quick quotes with quality coverage tailored to suburban roads or busy city streets or are in Henderson, Reno, Sparks, or Carson City. 

Need an SR-22? We can file today 

Some Nevada drivers may need an SR-22 certificate if they have serious incidents on their driving record, such as a suspended license, lapse in auto insurance coverage, driving under the influence (DUI), or multiple traffic offenses. At A Abana, we make the process of obtaining an SR-22 simple: 

• Get a quote – Contact an agent or start online 
• Start coverage – Begin your auto insurance policy once payment is complete  
• Electronic filing – We submit your SR-22 electronically with the Nevada Department of Motor Vehicles 
• Quick confirmation – Receive same-day proof of insurance and confirmation of your SR-22 filing after payment 

An insurance policy must be active before an SR-22 can be filed. The SR-22 is not insurance; it is only a certificate that shows you meet the state's auto insurance requirements. Even if you don’t own a car, we offer a non-owner SR-22 option, so you can still meet state requirements. 

Areas we serve 

Our Spanish-bilingual agents understand the ins and outs of Nevada’s auto insurance requirements and know that Nevada residents recognize the value of being properly insured and compliant with state law. We are happy to help drivers across Nevada, whether you’re in these cities or other areas statewide:  

• Las Vegas 
• North Las Vegas 
• Henderson 
• Reno
• Sparks 
• Carson City 
• Elko 

Get directions to a convenient location near you and receive in-person service with a helpful agent today.  

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Quick answers before you start your quote (FAQ) 

What are the Nevada minimum car insurance requirements? 

Nevada requires drivers to carry liability coverage with 25/50/20 minimum limits. This includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage. You may opt for higher limits and other coverages if you need, such as if you drive frequently or own a higher-value vehicle.  

How much is car insurance in Nevada? 

Costs vary by driver characteristics, garaging location, and coverage limits, among other factors. Rates can differ between areas like Las Vegas, Henderson, and Reno. Each driver’s situation is different, so the best way to understand your options is to get a personalized quote. 

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Which cities do you serve in Nevada? 

Our agencies serve Nevada drivers whether they are in Las Vegas, North Las Vegas, Henderson, Reno, Sparks, Carson City, or Elko, with support available statewide. 

What is typically considered “full coverage”? 

"Full coverage” auto insurance is typically a combination of liability, collision, and comprehensive coverage. Lenders often require comprehensive and collision coverage on financed vehicles. The deductible you choose on your coverage can affect your premium as higher deductibles usually lead to a lower monthly premium.  

How fast can I get proof of insurance or an SR-22? 

With A Abana, you can get quick, same-day digital proof of insurance and electronic SR-22 filing, including non-owner, after your payment is completed.  

Do you accept foreign or temporary licenses? 

Yes, we accept foreign and temporary licenses, along with other forms of identification such as Matricula Consular cards and state-issued IDs. Simply bring an acceptable form of identification and we’ll review your information and provide you with a free quote. Shape 

Get coverage in minutes 

If you are looking for cheap auto insurance in Nevada, don’t worry. At A Abana, we work with multiple carriers that offer a range of affordable auto insurance options. Our friendly Spanish-bilingual agents are ready to assist, simply stop by one of our Nevada locations or call 1-214-764-8868. Ask about flexible payment options and how you can get fast proof of coverage and see why thousands of Nevada drivers trust us to help them with their auto insurance needs. 

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Disclaimer: 
This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.