Best Pay-As-You-Go Auto Insurance in Nevada (Top 10 Companies Ranked for 2024)
With average rates starting at $55 per month, Nationwide, Allstate, and Liberty Mutual have the best pay-as-you-go auto insurance in Nevada. Nationwide and Allstate offer true pay-per-mile plans that charge by the mile, while Liberty Mutual offers a robust UBI program that can help low-mileage drivers save.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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3,019 reviewsCompany Facts
Full Coverage for PAYG in Nevada
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Full Coverage for PAYG in Nevada
A.M. Best Rating
Complaint Level
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11,413 reviews
3,607 reviewsCompany Facts
Full Coverage for PAYG in Nevada
A.M. Best Rating
Complaint Level
Pros & Cons
3,607 reviewsThe best pay-as-you-go auto insurance in Nevada comes from Nationwide, Allstate, and Liberty Mutual. Drivers can save 40% with Nationwide.
Nationwide is our top pick for the best Nevada auto insurance for low-mileage drivers because it offers pay-per-mile policies, a robust UBI program, and additional discounts for more savings.
Our Top 10 Company Picks: Best Pay-As-You-Go Auto Insurance in Nevada
| Company | Rank | UBI Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 40% | A+ | Widespread Availability | Nationwide |
 | #2 | 40% | A+ | Infrequent Drivers | Allstate |
 | #3 | 30% | A | Customizable Policies | Liberty Mutual |
 | #4 | 25% | A++ | Cheap Rates | Geico |
 | #5 | 30% | NR | Roadside Assistance | Root |
 | #6 | 30% | A++ | Military Savings | USAA |
 | #7 | 30% | B | Personalized Service | State Farm |
 | #8 | 30% | A+ | Digital Tools | Progressive |
 | #9 | 30% | A++ | Customer Service | Travelers |
 | #10 | 30% | A | Loyalty Discounts | American Family |
Read on to learn more about the top pay-as-you-go (PAYG) auto insurance companies in Nevada.
When you’re ready to find the perfect policy for your lifestyle, enter your ZIP code into our free comparison tool to find the cheapest plans in your area.
- The best PAYG auto insurance companies in Nevada are Nationwide and Allstate
- Only a few companies offer true pay-as-you-go auto insurance policies in Nevada
- Low-mileage drivers can take advantage of UBI programs for big savings
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#1 – Nationwide: Top Overall Pick
Pros
- SmartMiles: Nationwide’s SmartMiles program offers a flexible pay-per-mile auto insurance plan, making it ideal for low-mileage drivers in Nevada who want to control their costs.
- Low-Mileage Discounts: Low-mileage Nevada drivers may be able to earn additional auto insurance discounts. Explore more discount opportunities in our Nationwide auto insurance review.
- SmartRide: Earn an auto insurance discount of up to 40% in Nevada by enrolling in the usage-based insurance (UBI) program SmartRide, which offers lower rates for low-mileage drivers.
Cons
- High Base Rate: The fixed base auto insurance rate Nationwide uses in SmartMiles might be high for some Nevada drivers, making it less attractive for very low-mileage users.
- Limited Customization: Nationwide offers fewer customization options for low-mileage auto insurance. You’ll find NV pay-as-you-go auto insurance policies with more choices elsewhere.
#2 – Allstate: Best UBI Discounts in Nevada
Pros
- Milewise: Allstate’s Milewise program allows Nevada drivers to pay based on their actual mileage, making it a great option for those with infrequent driving habits. Learn more in our Milewise review.
- Drivewise: Nevada drivers who don’t want to sign up for Milewise should consider the UBI program Drivewise, which lowers PAYG auto insurance rates by up to 40%. See how in our Drivewise review.
- Safe Driving Discounts: Allstate offers additional auto insurance discounts to Nevada drivers for safe driving behaviors, which apply to pay-as-you-go policies.
Cons
- High Daily Rate: Allstate is usually an expensive auto insurance option, and its daily base rate for Milewise is no exception, making it a pricy pay-as-you-go choice for some Nevada users.
- Mileage Reporting: Some Nevada drivers report errors in mileage tracking on their pay-as-you-go plans, which can lead to billing issues on auto insurance policies.
#3 – Liberty Mutual: Best for Diverse PAYG Coverage Options in Nevada
Pros
- RightTrack: Save up to 30% on your auto insurance in Nevada by enrolling in RightTrack UBI. While it’s not a pay-per-mile program, RightTrack offers a low-mileage auto insurance discount.
- Custom Coverage Options: You can customize your policy to get the best Nevada pay-as-you-go auto insurance policy. Learn more in our Liberty Mutual auto insurance review.
- Ample Discounts: Liberty Mutual offers a variety of discounts in Nevada, including many that can help you find the cheapest pay-as-you-go auto insurance policy.
Cons
- Telematics Requirement: If you want a pay-as-you-go auto insurance policy from Liberty Mutual in Nevada, you’ll need to install a tracking device, which might raise privacy concerns.
- Customer Service Issues: Although Liberty Mutual offers some of the best pay-as-you-go auto insurance in Nevada, it gets mixed reviews for its customer service responsiveness.
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#4 – Geico: Best for Affordable PAYG Rates in Nevada
Pros
- Competitive Pricing: Geico generally offers affordable rates, whether you want the best pay-as-you-go car insurance in Nevada or a standard policy.
- DriveEasy UBI: Nevada drivers can save up to 25% on their auto insurance by signing up for DriveEasy. Learn how in our Geico DriveEasy review.
- 24/7 Customer Support: Geico earns its spot as one of the best pay-per-mile companies in Nevada by offering round-the-clock assistance for auto insurance policyholders.
Cons
- Fewer Add-On Options: Although Geico is one of the largest companies in America, many Nevada drivers looking for pay-as-you-go auto insurance are surprised by Geico’s lack of coverage options.
- Lower Customer Satisfaction: Many Geico customers in Nevada report feeling unsatisfied with the customer service they received on their pay-as-you-go auto insurance policies.
#5 – Root: Best Roadside Assistance in Nevada
Pros
- Behavior-Based Pricing: Root’s insurance model is entirely based on driving behavior, making it an attractive option for safe drivers in Nevada looking for a true pay-as-you-go policy.
- No Traditional Underwriting: Root bases NV pay-as-you-go auto insurance on driving behavior, so age and credit score don’t matter. Read our Root insurance review for more about the underwriting process.
- Free Roadside Assistance: Every Root pay-as-you-go auto insurance policy in Nevada comes with free roadside assistance.
Cons
- Strict Eligibility Requirements: Since Root bases pay-as-you-go auto insurance rates on driving behaviors, Nevada drivers with less-than-perfect driving records may not qualify for coverage.
- Coverage Limitations: Root focuses on cheap pay-as-you-go auto insurance in Nevada. To keep rates low, it offers fewer coverage options compared to traditional insurers.
#6 – USAA: Best for Military Drivers in Nevada
Pros
- Military Discounts: USAA provides exclusive pay-as-you-go auto insurance discounts for military members and their families in Nevada.
- Comprehensive Coverage: USAA sets itself as one of the best pay-per-mile auto insurance companies in Nevada by offering extensive coverage options tailored to military members.
- SafePilot: While USAA doesn’t currently offer Nevada pay-as-you-go auto insurance, low-mileage drivers can save up to 30% with the UBI program, SafePilot.
Cons
- Eligibility Restrictions: USAA pay-as-you-go insurance is only available to Nevada military members, veterans, and their families. Check your eligibility in our USAA auto insurance review.
- Limited Availability: It may be an affordable option, but you’ll need to check if USAA’s pay-as-you-go option in Nevada is available in your area.
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#7 – State Farm: Best for Personalized Service in Nevada
Pros
- Drive Safe & Save Program: State Farm Drive Safe & Save allows Nevada drivers looking for pay-per-mile discounts to pay for insurance based on their actual driving habits, ideal for low-mileage drivers.
- Customizable Coverage: Nevada drivers can tailor PAYG policies to fit individual driving habits and needs with State Farm’s car insurance add-on options. See how in our State Farm review.
- Local Agents: State Farm maintains a strong network of local agents throughout Nevada for personalized service on all pay-as-you-go auto insurance policies.
Cons
- Tracking Device Required: State Farm’s pay-per-mile auto insurance in Nevada requires the installation of a telematics device, which might be seen as intrusive.
- Premium Variability: Drive Safe & Save looks at more than just your mileage, making costs unpredictable for this pay-as-you-go auto insurance option in Nevada.
#8 – Progressive: Best Innovative Digital Tools in Nevada
Pros
- Snapshot Program: Nevada drivers looking for cheap pay-as-you-go auto insurance can save up to 30% with the Progressive Snapshot UBI program. Compare savings in our Snapshot review.
- Discount Potential: Progressive offers significant PAYG discounts in Nevada for a variety of things, like maintaining good driving behavior and being a loyal customer.
- Innovative Online Tools: Progressive offers robust online resources, making it easy for Nevada drivers to find the right pay-as-you-go coverage. Explore the digital tools in our Progressive Insurance review.
Cons
- Unexpected Rate Increases: Some Nevada drivers report unexpected rate increases on both standard and pay-as-you-go auto insurance policies.
- Customer Loyalty Issues: Despite being an excellent pay-as-you-go auto insurance company in Nevada, Progressive struggles to retain its customers.
#9 – Travelers: Best Customer Service Experience in Nevada
Pros
- IntelliDrive: Although it’s not a true NV pay-as-you-go car insurance plan, Travelers’ IntelliDrive rewards drivers with discounts up to 30%. See the full discount list in our IntelliDrive review.
- Discount Savings: Drivers looking for affordable pay-per-mile auto insurance rates in Nevada will find multiple discounts from Travelers, including ones for low-mileage driving and multi-policy bundling.
- Superior Customer Service: Travelers generally gets positive reviews in Nevada for both pay-as-you-go and standard car insurance customer service.
Cons
- Higher Average Rates: Travelers isn’t the most expensive pay-as-you-go auto insurance choice in Nevada, but it’s also not the cheapest. Get free quotes in our Travelers auto insurance review.
- Limited Agents: Nevada drivers who want easy access to personalized help on their pay-as-you-go auto insurance will likely struggle to find a local Travelers agent.
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#10 – American Family: Best Loyalty Discounts in Nevada
Pros
- KnowYourDrive Program: The KnowYourDrive program is the closest thing American Family offers to pay-as-you-go car insurance in Nevada. Drivers can save up to 20%.
- Generous Discounts: American Family offers 18 discounts, including loyalty discounts, for cheaper pay-per-mile car insurance in Nevada. See all discount options in our AmFam insurance review.
- Costco Policies: American Family underwrites auto insurance policies for Costco. Nevada drivers who are Costco members can get cheap PAYG auto insurance.
Cons
- Fewer Policy Add-Ons: American Family offers fewer auto insurance add-ons for pay-as-you-go policies in Nevada.
- Limited State Availability: KnowYourDrive offers pay-as-you-go auto insurance in Nevada, but AmFam doesn’t sell insurance in every state. If you leave Nevada, you may need to find a new insurer.
Nevada Pay-As-You-Go Auto Insurance Rates
Whether you buy a PAYG auto insurance policy or enroll in a UBI program, you’ll find average Nevada rates below.
Nevada Pay-As-You-Go Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $60 | $135 |
| American Family | $56 | $133 |
| Geico | $50 | $126 |
| Liberty Mutual | $58 | $140 |
| Nationwide | $55 | $130 |
| Progressive | $57 | $134 |
| Root | $45 | $120 |
| State Farm | $52 | $125 |
| Travelers | $59 | $137 |
| USAA | $53 | $128 |
While there are many factors that affect auto insurance rates, the most important in pay-as-you-go insurance is how many miles you drive. For instance, check out the table below for a list of the five most common car insurance claims in Nevada, and how the affect your rates:
5 Most Common Auto Insurance Claims in Nevada
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collision | 30% | $3,500 |
| Fender Bender | 20% | $1,800 |
| Single Vehicle Accident | 15% | $4,200 |
| Side-Impact Collision | 10% | $6,000 |
| Theft Claim | 5% | $9,000 |
So, it’s critical to compare rates from the best auto insurance companies in Nevada to find the right policy for you.
While pay-per-mile plans offer significant savings over traditional policies for low-mileage drivers, there are pitfalls to be aware of. For example, what happens if you want to go on a road trip? Many PAYG companies cap the amount of miles you’ll be charged for in a single day, but you should research your options before you buy a policy.
How Nevada Pay-As-You-Go Auto Insurance Works
Traditional policies have a flat rate you pay every month (or every six months if you want a pay-in-full discount). Your rates might change when your policy renews every six months, but your insurance company will consider the same factors every time for your policy.
Insurance companies use unique formulas to determine your rates, but generally look at the same factors. Some of the most impactful factors on your insurance rates are your age, location, gender, driving record, credit score, and what type of vehicle you drive.Ty Stewart Licensed Insurance Agent
On the other hand, pay-as-you-go auto insurance is a great way to get cheap auto insurance for infrequent drivers in Nevada, but these plans can be confusing.
Pay-as-you-go rates have two parts. The first is a flat fee you pay every month, no matter how many miles you drive. The second is a per-mile rate, typically just a few cents.
For example, if your base rate is $37 and the per-mile fee is $0.05, you’ll pay $59.50 if you drive 450 miles in a month. As you can see, there can be significant savings for low-mileage drivers who choose a pay-as-you-go auto insurance plan.
Nevada Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | A | Minimal weather impacts, rare severe events |
| Traffic Density | B+ | Congestion in Las Vegas, but rural areas help |
| Average Claim Size | B- | Larger claims due to expensive repairs |
| Vehicle Theft Rate | C | Higher-than-average theft rate in urban areas |
| Uninsured Drivers Rate | D | High rate of uninsured drivers, raising premiums |
However, you’ll still pay a base rate with Nevada PAYG insurance, with the factors above impacting that cost. So, it’s always compare quotes for your usage-based coverage in NV for the best deal.
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How to Save on Pay-As-You-Go Auto Insurance in Nevada
The main way to keep your rates down when you buy a Nevada PAYG policy is to limit your daily miles. However, there are other ways to save on your insurance. One of the easiest ways to find the cheapest auto insurance is to find discounts.
In addition, another great tip to find affordable coverage is to compare rates. If you don’t compare rates and instead pick the first company you look at, you’ll probably overpay for your insurance.
Luckily, comparing auto insurance quotes is easier than ever. Simply visit a company’s website and fill out their quote request form. It only takes about 10 minutes and some personal information to get a personalized quote.
If you don’t want to spend the time filling out multiple quote request forms, you can use a quote-generating tool to see a variety of quotes from local providers at once.
Find the Best Pay-As-You-Go Auto Insurance in Nevada Today
Whether you find a low-mileage auto insurance discount or enroll in a pay-as-you-go auto insurance policy, there are plenty of ways to find affordable coverage in Nevada as a low-mileage driver. Picking the right option for you takes a little research, but the potential for savings makes it worthwhile.
Now that you have an idea of which company might have the best pay-as-you-go auto insurance enter your ZIP code into our free comparison tool below to find the best Nevada rates.
Frequently Asked Questions
How does pay-as-you-go auto insurance work in Nevada?
Pay-as-you-go or pay-per-mile auto insurance charges drivers by the mile rather than a flat monthly fee. It’s different than low-mileage auto insurance discounts, which offer a discount on a traditional policy to low-mileage drivers.
How much does auto insurance cost in Nevada?
Auto insurance in Nevada tends to be affordable for most drivers. Low-mileage drivers can expect to pay an average of $54 per month for minimum insurance and $130 for full coverage.
Who has the cheapest Nevada PAYG auto insurance?
The cheapest pay-per-mile insurance company in Nevada depends on the types of auto insurance coverage you need, but Root is usually the cheapest option.
Is Root available in Nevada?
Yes, Root sells insurance policies in Nevada. While it’s an excellent option for low-mileage car insurance, you should make sure to compare rates with other companies. Enter your ZIP code into our free comparison tool to compare Root rates with other affordable PAYG options.
How does Root auto insurance work in Nevada?
Root insurance policies work similarly to other pay-as-you-go options in Nevada, except for how rates are determined. You’ll go through a testing period where Root monitors your behavior. If you don’t drive safely enough, Root will reject your insurance application.
Is Root pay-as-you-go auto insurance cheaper than Allstate in Nevada?
Typically speaking, Root is a more affordable insurance option. However, Allstate’s pay-per-mile option, Milewise, has coverage options that Root doesn’t offer. Check out our Milewise auto insurance review to compare if Allstate is a better choice for you.
Is Progressive pay-as-you-go auto insurance cheaper than Geico in Nevada?
Geico’s average rates in Nevada are a little lower than Progressive’s. However, Progressive’s maximum discount with Snapshot is a little better than Geico’s DriveEasy, so safe drivers might find lower rates with Progressive. When it comes to low-mileage car insurance, annual mileage affects car insurance rates differently, so it’s always best to compare personalized quotes.
Can you drive without auto insurance in Nevada?
Driving without insurance in Nevada can have serious consequences, including a fine of up to $1,000, registration suspension, a $250 reinstatement fee, vehicle impoundment, and an SR-22 requirement for three years.
What are the minimum auto insurance requirements in Nevada?
Minimum car insurance requirements in Nevada include a 25/50/20 liability insurance policy.
Should you get more coverage than the minimum NV insurance requirement?
It never hurts to get more coverage in your policy, but full coverage doesn’t benefit everyone. If your car is older or less valuable and you can afford to replace it outright, minimum insurance might be enough. However, if your car is newer, full coverage might be a better choice.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.