Cheap Gap Insurance in Nevada (Big Savings With These 10 Companies in 2024)
American Family, Auto-Owners, and USAA stand out as the top companies for cheap gap insurance in Nevada, with rates starting at $60 per month. These Nevada gap insurance companies offer unmatched value. American Family excels with loyalty rewards, and USAA offers military members competitive discounts.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Laura Berry
Former Licensed Insurance Producer
Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...
Former Licensed Insurance Producer
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.
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.
On This Page
The leading companies for cheap gap insurance in Nevada are American Family, Auto-Owners, and USAA, each offering distinctive benefits.
American Family is the cheapest company overall with additional loyalty auto insurance discounts to reduce rates further. Auto-Owners and USAA also sell cheap Nevada minimum coverage with gap insurance for less than $75/month.
Our Top 10 Company Picks: Cheap Gap Insurance in Nevada
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $25 A++ Financial Strength Travelers
#2 $30 A Safe-Driving Discounts Farmers
#3 $31 A Add-on Coverages Liberty Mutual
#4 $35 A++ Military Members USAA
#5 $36 A+ Online Tools Progressive
#6 $37 A+ Vanishing Deductible Nationwide
#7 $38 A+ Infrequent Drivers Allstate
#8 $41 A++ Students Auto-Owners
#9 $40 A Loyalty Rewards American Family
#10 $45 B Customer Service State Farm
By exploring these choices, you can find the best gap insurance in Nevada to effectively protect your vehicle. Compare these options to secure the best coverage for your situation.
Avoid expensive NV auto insurance premiums by entering your ZIP code above to see the cheapest rates for you.
- American Family offers the top coverage with rates starting at $60 per month
- USAA has the best gap insurance in Nevada for military families
- Compare Nevada auto insurance providers to find the cheapest gap insurance
#1 – American Family: Top Overall Pick
Pros
- Cheap Rates: Cheap gap insurance in Nevada is easy to find with American Family. Rates start as low as $60/month.
- Loyalty Discounts: Long-term customers benefit from loyalty rewards, reducing Nevada gap insurance costs.
- Reliable Claims Support: American Family’s dedicated claims team ensures smooth gap insurance in Nevada processing. Explore the features in our American Family review.
Cons
- Regional Availability: Drivers who move out of Nevada may not find cheap American Family gap insurance in other states.
- Online Convenience: Some Nevada drivers have better online and mobile experiences with other gap insurance companies that have more modern websites and apps.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#2 – Auto-Owners: Cheapest for Students and Young Drivers
Pros
- Cheap Rates: Gap insurance quotes in Nevada start at $63/month for minimum coverage. Get more quotes in our Auto-Owners insurance review.
- Student Savings: Young drivers who maintain good grades can get cheap gap insurance in Nevada with discounts.
- Add-On Variety: Nevada drivers will find an extensive list of auto insurance add-ons, including cheap gap insurance for new or leased vehicles.
Cons
- Regional Availability: You can’t find Auto-Owners gap insurance in every state, so you might not be able to keep your policy if you move away from Nevada.
- Online Convenience: As a smaller company, Auto-Owners doesn’t offer as many mobile perks or online tools as other Nevada gap insurance companies.
#3 – USAA: Cheapest for Military Members
Pros
- Tailored Military Support: USAA gap insurance in Nevada is specifically designed for military families.
- Exceptional Service: The USAA customer service team excels at handling gap insurance claims in Nevada efficiently.
- Bundling Discounts: Combining policies can lead to significant discounts on gap insurance in Nevada. Explore our detailed USAA review for more savings.
Cons
- Exclusive Access: USAA’s gap insurance in Nevada is designed specifically for military personnel and their families, making it a specialized service.
- Reduced Local Presence: There are limited in-person support options for gap insurance in Nevada, which may affect customer service accessibility.
#4 – Progressive: Best Online Tools
Pros
- Competitive Pricing: Progressive provides gap insurance in Nevada at attractive rates for drivers. Get the full picture in our Progressive review.
- Convenient App: Its mobile app allows easy management of Nevada gap insurance policies on the go.
- Tailored Options: The Name Your Price tool allows you to customize gap insurance in Nevada to suit your budget.
Cons
- Digital Focus: Progressive’s heavy reliance on digital tools may not appeal to all gap insurance in Nevada customers.
- Varied Customer Service: Nevada drivers have higher customer satisfaction with other gap insurance companies on our list.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#5 – Nationwide: Best for Vanishing Deductibles
Pros
- Vanishing Deductible Benefit: Nationwide’s feature can lower out-of-pocket expenses for gap insurance in Nevada over time.
- Reliable Claims Handling: Its experienced team ensures efficient processing of NV gap insurance claims. Get the full ratings in our Nationwide review.
- Discount Opportunities: Nationwide offers multiple ways to save on gap insurance in Nevada through discounts.
Cons
- Higher Premiums: Some Nevada drivers may find Nationwide gap insurance rates in Nevada less competitive if they don’t qualify for discounts.
- Policy Restriction: Not all gap insurance plans in Nevada may offer the vanishing deductible feature.
#6 – Allstate: Cheapest for Infrequent Drivers
Pros
- Flexible Coverage Options: Allstate provides the best gap insurance in Nevada for infrequent drivers. Learn more in our Allstate Milewise review.
- Easy Online Access: The Allstate mobile platform simplifies the process of buying and managing gap insurance in Nevada.
- Comprehensive Add-Ons: Allstate offers a wide range of add-ons to enhance gap insurance in Nevada coverage. Find additional details in our Allstate review.
Cons
- Higher Premiums: Allstate gap insurance in Nevada tends to be pricier than other providers.
- Discount Availability: Fewer discount options may impact the affordability of gap insurance in Nevada.
#7 – Travelers: Best Financial Strength
Pros
- Superior Financial Strength: Travelers is one of the most reliable gap insurance companies in Nevada with an A++ rating from A.M. Best.
- Bundle Discounts: Travelers gap insurance discounts for bundling auto and home insurance in Nevada are competitive.
- Wide Range of Options: Travelers provides extensive choices for customizing Nevada gap insurance coverage. Check out our Travelers review for comprehensive coverage.
Cons
- Less Competitive Rates: Travelers gap insurance rates in Nevada may be higher compared to other providers.
- Limited Availability: Coverage options for gap insurance in Nevada may not be as accessible in all cities.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
#8 – Farmers: Cheapest With Safe-Driving Discounts
Pros
- Safe-Driver Discounts: Farmers rewards good driving habits, reducing the cost of gap insurance in Nevada.
- Personalized Service: Nevada drivers benefit from personalized attention with local agents for gap insurance in Nevada.
- Payment Flexibility: Farmers offers various payment options to make gap insurance in Nevada more manageable. Explore your options in our Farmers review.
Cons
- Increased Costs: Opting for gap insurance with Farmers in Nevada could result in higher premiums compared to other insurers.
- Restricted Coverage Options: Some customers have noted limited flexibility in customizing gap insurance plans in Nevada.
#9 – State Farm: Best Customer Service
Pros
- Superior Service: State Farm is known for excellent customer service, crucial for managing gap insurance in Nevada.
- Diverse Coverage: Its range of options allows for tailored gap insurance in Nevada.
- Streamlined Claims Process: State Farm makes handling Nevada gap insurance claims quick and hassle-free. Read our State Farm review to learn more.
Cons
- Lower Financial Rating: Some Nevada customers may be concerned about State Farm’s financial stability for gap insurance in Nevada.
- High Premiums: Gap insurance in Nevada costs may be less competitive with State Farm.
#10 – Liberty Mutual: Cheapest Add-on Coverages
Pros
- Extensive Coverage Options: Liberty Mutual provides a broad range of add-ons for enhanced gap insurance in Nevada. See our Liberty Mutual review for further details.
- Flexible Policies: Liberty Mutual gap insurance in Nevada terms are customizable to meet drivers’ needs.
- Strong Agent Network: Its wide network of local agents offers personalized gap insurance services in Nevada.
Cons
- Higher Costs: Premiums for gap insurance in Nevada tend to be on the higher side with Liberty Mutual.
- Inconsistent Claims Handling: Some customers experience varying levels of satisfaction with Nevada gap insurance claims support.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Price Breakdown of Nevada Gap Insurance Rates
Here’s a detailed look at monthly gap insurance costs across various providers in Nevada, highlighting both minimum and full coverage options.
Gap Insurance Rates in Nevada by Provider
Insurance Company Monthly Rates
$38
$40
$41
$30
$31
$37
$36
$45
$25
$35
Gap insurance costs in Nevada are influenced by several key factors. These include your vehicle’s make and model. Assess your vehicle’s value and loan balance to determine the appropriate coverage amount, and compare auto insurance by vehicle type for the lowest rates.
The level of coverage you choose, the insurance provider, your driving history, and your location within the state also impact gap insurance rates.
Different providers offer varying rates and coverage options, making it essential to compare multiple quotes. Whether you prioritize minimum coverage or opt for more comprehensive protection, knowing these pricing details will help you secure the best deal on gap insurance in Nevada.
Read More: Should I get gap insurance for a used car?
Expert Strategies for Lowering Gap Insurance Rates in Nevada
In Nevada, you can lower your gap insurance costs through various discounts. Bundling gap insurance with other policies, such as renters or home insurance, often results in savings.
Auto Insurance Discounts From the Top Providers for Gap in Nevada
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver Discount, Automatic Payments Discount, Multi-Vehicle Discount, Bundled Insurance Discount |
| Paperless Billing Discount, Accident-Free Discount, Anti-Theft Device Discount, Vehicle Safety Features Discount |
| Multi-Car Discount, Bundled Insurance Discount, Vehicle Safety Equipment Discount, Safe Driving Program Discount |
| Multi-Policy Discount, Defensive Driving Discount, Telematics Discount, Automatic Payments Discount |
| Accident Forgiveness Discount, Defensive Driving Discount, Safety Features Discount, Telematics Discount |
| Vehicle Safety Features Discount, Anti-Theft Device Discount, Automatic Payments Discount, Safe Driver Discount |
| Bundled Insurance Discount, Multi-Policy Discount, Paperless Billing Discount, Defensive Driving Discount |
| Drive Safe & Save Discount, Safe Driver Discount, Accident-Free Discount, Bundled Insurance Discount |
| Telematics Discount, Multi-Vehicle Discount, Safety Features Discount, Defensive Driving Discount |
| Bundled Insurance Discount, Multi-Car Discount, Paperless Billing Discount, Vehicle Safety Features Discount |
Exploring these discount options can help you find more affordable gap insurance coverage. Safe driving records, long-term customer loyalty, multi-vehicle coverage, and low annual mileage can also qualify you for reduced rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
What is Nevada gap insurance coverage?
Gap insurance coverage is the difference between your car’s value and what you owe on it.
How much is gap insurance in Nevada per month?
Gap insurance in Nevada typically adds between $1.67 and $4.17 per month to your auto policy. Enter your ZIP code below to see what it costs to add gap insurance to your coverage.
Which company offers the best rates for gap insurance in Nevada?
American Family and Auto-Owners offer the best gap insurance rates in Nevada.
What is the cheapest auto insurance in Las Vegas for someone who also needs gap insurance?
Cheap car insurance in Las Vegas usually comes from Progressive.
How many claims can you make on gap insurance in Nevada?
You can typically make one claim on gap insurance per loan or lease, with coverage costing $1.67 to $4.17 per month.
What is the maximum amount Nevada gap insurance will cover?
Your gap insurance covers the difference between your car’s actual cash value and the amount you owe on your loan or lease.
What are the insurance limits in Nevada, and how does it impact the cost of gap insurance?
Nevada minimum auto insurance limits are $25,000 per person and $50,000 per accident for liability coverage. Increasing these limits would increase the cost of gap insurance in Nevada.
Does Nevada require full coverage insurance, and how does this affect the cost of gap insurance in Nevada?
Nevada does not require full coverage insurance, but having it is recommended to complement gap insurance. Full coverage, which includes collision and comprehensive insurance, can cost between $150 and $200 per month, affecting the total expense of gap insurance.
Is gap insurance cheaper in Nevada compared to other states?
Gap insurance can be cheaper in Nevada compared to states like California or Florida. Compare auto insurance rates by state to learn more.
What is the rate of uninsured drivers in Nevada?
About 10% of drivers in Nevada are driving without insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Laura Berry
Former Licensed Insurance Producer
Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...
Former Licensed Insurance Producer
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.