Best Auto Insurance for Seniors in Nevada (Check Out the Top 10 Companies for 2025)
Liberty Mutual, Progressive, and Nationwide have the best auto insurance for seniors in Nevada, with rates from $28 per month. Liberty Mutual’s low-mileage discounts help seniors save, while Progressive’s Snapshot program and Nationwide’s accident-free discount for seniors in Nevada.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Feb 22, 2025
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.
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: Feb 22, 2025
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.
On This Page
3,607 reviewsCompany Facts
Full Coverage for Seniors in Nevada
A.M. Best Rating
Complaint Level
Pros & Cons
3,607 reviews
13,128 reviewsCompany Facts
Full Coverage for Seniors in Nevada
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
3,019 reviewsCompany Facts
Full Coverage for Seniors in Nevada
A.M. Best Rating
Complaint Level
Pros & Cons
3,019 reviewsLiberty Mutual, Progressive, and Nationwide provide the best auto insurance for seniors in Nevada, offering key savings and policy benefits tailored to older drivers.
Liberty Mutual leads with low-mileage discounts, reducing costs for seniors who drive less. Progressive’s Snapshot program customizes rates based on driving habits, while Nationwide rewards accident-free drivers with additional discounts.
Seniors in Nevada can maximize savings and coverage by comparing top providers. Read on to find out which of the Nevada companies have the best auto insurance for seniors.
Our Top 10 Company Picks: Best Auto Insurance for Seniors in Nevada
| Company | Rank | Multi-Vehicle Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A | Comprehensive Coverage | Liberty Mutual |
 | #2 | 12% | A+ | Snapshot Program | Progressive |
 | #3 | 20% | A+ | Accident-free Discount | Nationwide |
 | #4 | 25% | A+ | Safe Driving | Allstate |
 | #5 | 20% | A | Senior Discounts | Farmers |
 | #6 | 8% | A++ | IntelliDrive Program | Travelers |
 | #7 | 10% | A++ | Military Friendly | USAA |
 | #8 | 20% | A | Generational Discount | American Family |
 | #9 | 25% | A++ | Defensive Driving | Geico |
 | #10 | 20% | B | Customer Satisfaction | State Farm |
You can also enter your ZIP code in our free quote tool anytime to find cheap senior auto insurance quotes in your area.
- Liberty Mutual has the best car insurance for seniors in Nevada
- Progressive and Nationwide are also great choices for seniors in NV
- Senior drivers will have some of the cheapest NV auto insurance rates
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#1 – Liberty Mutual: Top Pick Overall
Pros
- Comprehensive Coverage: Liberty Mutual has some of the best comprehensive coverage options for senior Nevada drivers.
- Lifetime Replacement Guarantee: If senior drivers get their repairs done at an approved repair shop in Nevada, the company guarantees any repairs done for life.
- Low-Mileage Discount: Senior drivers in Nevada who drive fewer miles will be rewarded with a low-mileage discount.
Cons
- Customer Service: Senior drivers in Nevada may not be overly impressed with services, as Liberty Mutual has just average reviews.
- Claims Processing: Senior Nevada customers may find processing a little slow. Learn more in our Liberty Mutual review.
#2 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Senior drivers can join Snapshot in Nevada for good driving discounts.
- Coverage Selection: Senior Nevada drivers can add optional coverage like roadside assistance or gap coverage to their policies. Visit our Progressive review to learn more.
- Online Management: Seniors can access their Nevada policy or claim information online at Progressive.
Cons
- Customer Service: Nevada senior drivers may be unimpressed with customer service, as Progressive has just average ratings.
- Snapshot Rate Increases: Senior Nevada insurance rates could increase after a poor driving performance.
#3 – Nationwide: Best for Accident-Free Discount
Pros
- Accident-Free Discount: Senior drivers in Nevada who are accident-free will have cheaper rates from Nationwide.
- Coverage Selection: Nationwide has great add-on options, like roadside assistance, for Nevada seniors. See what else Nationwide sells in our Nationwide review.
- SmartMiles Insurance: Low-mileage senior drivers in Nevada can sign up for SmartMiles insurance and pay for coverage by the mile.
Cons
- Customer Satisfaction: Nationwide has lower ratings than other Nevada senior driver companies on our list.
- Claims Processing: Based on reviews, senior claims in Nevada may be processed slowly.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#4 – Allstate: Best for Safe Driving
Pros
- Safe Driving: Allstate rewards safe senior drivers in Nevada with lower auto insurance rates.
- Coverage Options: Senior Nevada insurance policies can be customized with extras like roadside assistance. Visit our Allstate review for more information.
- Bundling Discount: Nevada seniors can purchase more than auto insurance for a multi-policy discount.
Cons
- Customer Complaints: Allstate has the highest ratio of customer complaints out of the top Nevada senior driver companies.
- Expensive Rates: Allstate senior driver auto insurance costs more than the other Nevada companies on our list.
#5 – Farmers: Best for Senior Discounts
Pros
- Senior Discounts: Farmers offers mature driver discounts to senior drivers in Nevada. Visit our Farmers review for more discount options.
- Coverage Choices: Senior drivers can add extras to their Farmers’ policy in Nevada or carry the bare minimum.
- Signal Program: Nevada drivers can join for free and earn discounts on senior auto insurance for safe driving habits.
Cons
- Higher Rates: Nevada senior driver insurance is pricier at Farmers.
- Online Tools: Farmers may not offer as many convenient online tools as the other Nevada senior driver companies.
#6 – Travelers: Best for IntelliDrive Program
Pros
- IntelliDrive Program: Nevada senior drivers can join IntelliDrive for safe driver discounts. Visit our Travelers review for more discount options.
- Coverage Selection: Customers can add extras like modified car insurance to their senior driver Nevada policies.
- Financial Stability: Travelers is one of the most financially stable companies out of the Nevada senior drivers companies.
Cons
- Customer Service: Travelers’ customer service ratings could be better when compared to other top Nevada companies for seniors.
- IntelliDrive Rate Increases: Poor driving habits during the program period could increase senior driver rates in Nevada.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#7 – USAA: Best for Military Friendly
Pros
- Military Friendly: USAA is the best insurance company for military and veteran seniors in Nevada.
- Customer Satisfaction: USAA is highly rated by customers, making it one of the best customer service companies for senior drivers in Nevada.
- Discount Opportunities: Senior drivers in Nevada can save by bundling, driving safely, and more. Read our USAA review to learn more.
Cons
- Eligibility Restricted: USAA is sold exclusively to seniors who are military, veterans, or direct family members of military and veterans.
- Coverage Selection: USAA has a more basic list of add-on coverages for senior drivers in Nevada.
#8 – American Family: Best for Generational Discount
Pros
- Generational Discount: Senior Nevada drivers can take advantage of the generational discount at American Family.
- Coverage Options: Nevada senior driver policies can be rounded out with roadside assistance and more. Visit our American Family review to learn more.
- Accident Forgiveness: Safe senior drivers in Nevada may be forgiven an accident by American Family.
Cons
- Higher Rates: American Family’s rates for senior drivers in Nevada are more expensive.
- Online Tools: American Family may not have as many convenient online tools as the other Nevada senior driver insurance companies.
#9 – Geico: Best for Defensive Driving
Pros
- Defensive Driving: Nevada seniors who successfully complete a defensive driving course will get a discount from Geico. Visit our Geico review for more discount options.
- Bundling Discount: Senior drivers can purchase other insurance policies besides auto insurance from Geico.
- Online Convenience: Nevada senior drivers can access policy and claim details from Geico’s free app.
Cons
- Lack of Local Agents: Geico offers support virtually, so senior drivers in Nevada won’t be able to visit local agents.
- Coverage Options: Geico doesn’t have as many add-ons available for senior drivers in Nevada to purchase.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#10 – State Farm: Best for Customer Satisfaction
Pros
- Customer Satisfaction: State Farm has good ratings due to the local Nevada agents that offer in-person assistance to senior drivers.
- Coverage Options: Senior driver Nevada policies can have extras like roadside assistance added.
- Discount Options: Senior drivers can save on Nevada insurance with various discounts. See what State Farm offers in our State Farm review.
Cons
- Online Tools: State Farm may not offer as many convenient online functions as other senior driver companies in Nevada.
- Financial Stability: State Farm has the lowest A.M. Best rating out of all the senior driver companies in Nevada.
Nevada Senior Driver Auto Insurance Rates by Coverage
Senior drivers in Nevada have minimum and full coverage options to choose from at the best companies. Take a look at the average rates below.
Nevada Senior Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $68 | $162 |
| American Family | $58 | $137 |
| Farmers | $64 | $151 |
| Geico | $45 | $108 |
| Liberty Mutual | $46 | $109 |
| Nationwide | $46 | $110 |
| Progressive | $34 | $81 |
| State Farm | $42 | $101 |
| Travelers | $37 | $89 |
| USAA | $28 | $67 |
Minimum coverage from these top companies will fulfill the Nevada minimum auto insurance requirements that drivers need to drive legally in the state.
Nevada senior drivers are required to carry 25/50/25 of bodily injury and property damage liability insurance.Dani Best Licensed Insurance Producer
It is the cheapest option for drivers in Nevada, as it only covers injuries and property damages to other parties if a senior driver causes an accident. Full coverage will be optional for most Nevada senior drivers unless they have a leased vehicle, in which case full coverage will be mandatory.
Most drivers can find affordable auto insurance for seniors in Nevada, especially full coverage if they have a good driving record. Compare the cheapest full coverage auto insurance companies to find the best rates.
How to Save on Nevada Auto Insurance for Seniors
Senior drivers in Nevada have plenty of auto insurance discounts available to them from the top companies. Take a look at some of the most popular discounts below.
Auto Insurance Discounts From the Top Providers for Seniors in Nevada
| Insurance Company | Available Discounts |
|---|---|
| Multi-policy, Safe driving club, Early signing, Responsible payer, FullPay, Paperless, Easy Pay Plan, New car, Anti-theft device |
| Multi-policy, Defensive driving, Loyalty, Early bird, Generational (for families with multiple generations insured by American Family), Steer into Savings, Low mileage, FullPay |
| Multi-policy, Good driver, Homeowner, Signal app, Pay-in-full, Paperless, Automatic payment, Senior defensive driving course |
| Multi-vehicle, Defensive driving, Good driver, Seat belt use, Air bag, Anti-lock brakes, Anti-theft system, Daytime running lights, New vehicle |
| Multi-policy, Multi-vehicle, Early shopper, Paperless, Pay-in-full, Good student, Newly retired, New move |
| Multi-policy, SmartRide program, Accident-free, Paperless, Defensive driving, Anti-theft, Safe driver, Pay-in-full, Automatic payments |
| Multi-policy, Homeowner, Continuous insurance, Paperless, Safe driver, Pay-in-full, Automatic payment, Snapshot program |
 | Multi-policy, Defensive driving course, Good driving, Vehicle safety, Anti-theft, Drive Safe & Save program, Steer Clear safe driver (for younger drivers), Accident-free |
| Multi-policy, Multi-car, Safe driver, Continuous insurance, Hybrid/electric vehicle, New car, EFT, pay-in-full, and good payer, Home ownership, IntelliDrive program |
| Multi-policy, Safe driver, Defensive driving, New vehicle, Low mileage, Good student (for families with students), Military installation, Length of membership |
Senior drivers who want to keep all of their NV insurance policies in one place will usually get a multi-policy discount from their company.
Senior drivers can also apply for low-mileage discounts, good driver discounts, and many more at the best auto insurance companies in Nevada.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Finding the Best Auto Insurance for Seniors in Nevada
Liberty Mutual, Progressive, and Nationwide have the best car insurance for seniors in Nevada. Senior drivers should take the time to compare quotes from a few of their favorite companies to find the best rates and coverages to suit their needs (Learn More: How to Compare Auto Insurance Quotes).
Compare senior auto insurance rates in Nevada today with our free quote comparison tool. Simply enter your ZIP code to get started.
Frequently Asked Questions
What is the best auto insurance in Nevada?
Full coverage auto insurance is the best Nevada auto insurance for senior drivers. It provides financial protection if senior drivers are in an accident with another car, object, animal, etc.
Which Nevada insurance company is best for senior citizens?
Who has the best auto insurance for seniors in Nevada? Liberty Mutual is the best insurance company for senior citizens in Nevada.
What is the best and cheapest auto insurance for seniors in Nevada?
The best auto insurance for seniors in Nevada is full coverage, but the cheapest auto insurance for Nevada seniors will be minimum coverage. Get customized rates on the best auto insurance for seniors in Nevada by entering your ZIP code now.
Why are Nevada insurance rates so high?
Higher auto insurance rates in Nevada could be due to drivers living in an area with more traffic accidents. If your rates are expensive, make sure you shop around and compare rates with our free quote tool to get the best deal.
Is comprehensive coverage required in Nevada?
The state of Nevada doesn’t require comprehensive auto insurance, but lenders do require leased vehicles to have comprehensive insurance.
What is the lowest policy coverage amount in Nevada?
The lowest amount drivers can carry in Nevada is 25/50/20 of liability auto insurance.
Is uninsured motorist coverage required in Nevada?
Drivers in Nevada are not required to carry uninsured motorist insurance.
Is Nevada a no-fault insurance state?
No, Nevada is an at-fault auto insurance state.
At what age is senior auto insurance the cheapest?
Car insurance is usually the cheapest for 60-year-old drivers in Nevada (Learn More: Auto Insurance Rates by Age).
Does auto insurance go up as you age?
Does older age affect car insurance? Car insurance rates in Nevada usually decrease as drivers age, as long as drivers keep a clean driving record.
What is the best car insurance for seniors over 70 in Nevada?
Liberty Mutual, Progressive, and Nationwide offer the best car insurance for seniors over 70 in Nevada. These providers offer senior discounts, accident forgiveness, and low-mileage savings to keep costs affordable.
Which company offers the cheapest car insurance for seniors over 60 in Nevada?
Geico, State Farm, and American Family offer the cheapest car insurance for seniors over 60 in Nevada. These companies offer low rates, safe driver discounts, and policy bundling options to help reduce monthly premiums.
Where can you find the cheapest car insurance for seniors over 70 in Nevada?
Liberty Mutual, Progressive, and Travelers offer the cheapest car insurance for seniors over 70 in Nevada. Discounts for low-mileage, defensive driving courses, and accident-free policies help seniors save. Discover how the cheapest auto insurance companies help drivers save on monthly premiums.
Is there a government-mandated auto insurance discount for seniors in Nevada?
No, there is no government-mandated auto insurance discount for seniors in Nevada, but insurers like Geico and State Farm provide senior-friendly discounts, including low-mileage and safe driving savings.
Who provides the best full-coverage car insurance for seniors in Nevada?
Liberty Mutual, Progressive, and Nationwide offer the best full-coverage car insurance for seniors in Nevada. These companies offer accident forgiveness, roadside assistance, and senior-specific discounts to keep rates low.
What discounts does Geico car insurance for seniors in Nevada offer?
Geico car insurance for seniors in Nevada includes savings on defensive driving courses, accident-free records, and policy bundling. Seniors who drive less can also qualify for low-mileage discounts.
How can you find affordable auto insurance for seniors over 80 in Nevada?
Finding auto insurance for seniors over 80 in Nevada can be costly, but companies like USAA, Geico, and State Farm offer discounts for safe driving and bundling policies to help lower costs. Find out how to save money by bundling insurance policies while keeping the coverage you need.
Are insurance rates higher for seniors?
Yes, insurance rates can be higher for seniors due to increased accident risk. However, discounts for safe driving, low mileage, and defensive driving courses can help lower your monthly premium.
What is the cheapest car insurance in Nevada for seniors?
Who has the cheapest car insurance for seniors? Geico, State Farm, and Progressive offer the cheapest car insurance in Nevada for seniors. Bundling policies and maintaining a clean driving record can lower your monthly rate.
What is the best type of insurance for seniors?
The best type of insurance for seniors depends on driving habits. Full coverage offers protection for financed or leased cars, while minimum coverage is the cheapest option for lower-risk drivers.
Is AARP car insurance only for seniors?
Yes, AARP car insurance is designed for seniors aged 50 and older. It offers benefits like accident forgiveness, new car replacement, and exclusive member discounts.
Is Nationwide a good car insurance for seniors?
Yes, Nationwide car insurance for seniors offers accident-free discounts, vanishing deductibles, and multi-policy savings, making it a solid option for affordable senior coverage.
What is the maximum age limit for term insurance?
Most term insurance policies have a maximum age limit of 75-85, depending on the insurer. Some providers offer guaranteed issue policies with no medical exam for seniors over 80.
At what age is car insurance cheaper?
Car insurance is typically cheapest for drivers in their 50s and early 60s. Rates may increase after 70, but discounts for safe driving and low mileage can help keep costs low.
What insurance should you get at age 65?
At age 65, seniors should consider auto insurance with accident forgiveness, low-mileage discounts, and medical coverage to help with healthcare-related expenses after an accident. Learn whether you need medical payment coverage on auto insurance and if it’s essential for your policy.
How much does AARP auto insurance cost?
AARP auto insurance costs vary by location and driving history. Members can access exclusive discounts and savings that lower monthly rates compared to standard policies.
Is AARP free for seniors?
No, AARP is not free for seniors. Membership costs start at around $16 per year, and it provides discounts on auto insurance, travel, healthcare, and other benefits.
Does Allstate give senior citizen discounts?
Yes, Allstate offers senior citizen discounts through programs like Safe Driving and Low-Mileage Savings. Taking a defensive driving course can also help lower your monthly premium.
Can you get term insurance after age 70?
Yes, you can get term insurance after age 70, but options may be limited. Some insurers offer 10 to 15-year policies, but premiums increase with age. Find out which types of auto insurance offer the best protection for your vehicle.
At what age do seniors stop paying income tax?
There is no set age when seniors stop paying income tax. However, some states offer tax exemptions or deductions for retirees based on income level and Social Security benefits.
Which is better for seniors, Geico or USAA?
Geico is better for seniors who want affordable coverage with discounts for defensive driving. USAA is better for military-affiliated seniors, offering exclusive benefits and lower rates.
Does USAA offer senior discounts?
No, USAA does not have a specific senior discount, but members can save with accident-free, low-mileage, and bundling discounts that help lower monthly costs.
Is Nationwide a good car insurance for seniors?
Yes, Nationwide is a good car insurance company for seniors. It offers accident-free discounts, vanishing deductibles, and roadside assistance tailored to older drivers. Explore the best roadside assistance plans to get the best protection on the road.
Is Progressive insurance good for seniors?
Yes, Progressive insurance is good for seniors. The Snapshot program offers savings for safe drivers, competitive rates, and accident forgiveness.
What age is car insurance most expensive?
Car insurance is most expensive after age 80, as insurers consider older drivers at higher risk. Rates can also increase for those with a history of accidents or declining vision.
Is there a maximum age for car insurance?
No, there is no maximum age for car insurance, but some insurers may require medical evaluations or impose higher rates for seniors over 80.
What car insurance company does AARP recommend for seniors?
AARP recommends The Hartford for seniors. It offers exclusive benefits like accident forgiveness, new car replacement, and discounted rates for safe drivers. Explore the best auto insurance discounts for good drivers that reward safe driving habits.
Does AARP have auto insurance for seniors?
Yes, AARP offers auto insurance for seniors through The Hartford, providing policy perks like lifetime renewability, low-mileage discounts, and accident forgiveness.
What are the disadvantages of USAA for seniors?
The main disadvantages of USAA for seniors include eligibility restrictions for non-military members and fewer senior-specific discounts compared to other providers.
Which insurance plan is best for senior citizens?
The best insurance plan for senior citizens depends on coverage needs. Full coverage is ideal for newer cars, while minimum coverage is the cheapest option for low-mileage drivers.
What is the best-rated insurance for seniors?
The best rated insurance for seniors includes Liberty Mutual, Progressive, and Nationwide, known for their senior discounts, accident forgiveness, and low-mileage savings. Discover the best low-mileage auto insurance discounts and save money if you drive less.
What are the top 3 types of insurance for seniors?
The top 3 types of insurance for seniors are auto insurance for protection, health insurance for medical expenses, and life insurance for financial security.
What type of insurance is not recommended for seniors?
Seniors should avoid high-cost whole-life insurance if they don’t need long-term investment benefits, as it may come with expensive premiums and unnecessary coverage. Secure low-cost coverage with the best auto insurance for seniors in Nevada by using our free comparison tool today.
What is the new senior age?
The new senior age varies by policy and location, but most insurers classify seniors as age 55 or older, while some discounts start at 50.
How to pay less for car insurance?
Bundling policies, maintaining a clean driving record, taking a defensive driving course, and choosing a higher auto insurance deductible can help you pay less for car insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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.