Auto Insurance
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Auto Insurance in Nevada, California and Arizona
If you split your time between states—say you live in California but own a vacation home in Nevada or Arizona—you’ve probably wondered where to insure your car. Car insurance rules and prices vary a lot by state, and it’s not always obvious what the smartest move is. Let’s walk through the basics of insurance in each state, what minimums are required, and how to think about coverage if you divide your time across state lines.
How Rates Compare Across the Three States
Car insurance is one of those things that can cost drastically different amounts depending on where you live. Even the same driver with the same car may see hundreds or even thousands of dollars’ difference in annual premiums just by changing ZIP codes.
- California tends to land in the middle of the pack. Recent averages show minimum coverage costing around $600–$700 per year, while full coverage often runs between $2,300 and $2,500 annually.
- Nevada is one of the pricier states. Drivers there often pay about $1,400 per year for minimum coverage, and over $3,300 for full coverage. That’s partly due to higher crash rates in Las Vegas and Reno, plus higher medical and repair costs.
- Arizona is usually the least expensive of the three. Minimum coverage averages roughly $1,000 per year, while full coverage is closer to $2,800–$2,900.
So if you’re looking strictly at price, Arizona typically wins. California is moderate, and Nevada is the most expensive of the group. However, if you’re moving from high-cost LA to Pahrump, you may find savings. Talk to our agents to find out how rates in your zip codes compare.
Minimum Coverage Requirements by State
Every state requires drivers to carry liability insurance, which pays for injuries and damages you cause to others. But the minimum amounts differ:
- California: As of January 1, 2025, the minimum jumped to 30/60/15. That means $30,000 of bodily injury coverage per person, $60,000 per accident, and $15,000 for property damage. These limits are scheduled to rise again in 2035.
- Nevada: The requirement is 25/50/20.
- Arizona: The minimum is 25/50/15.
While these minimums satisfy the law, most experts recommend carrying higher limits. For example, if you total someone’s $70,000 SUV but only have $15,000 in property damage coverage, you’ll be personally responsible for the difference.
What if You Own Homes in Two States?
Here’s where things get interesting. Let’s say your primary residence is in California, but you also spend long stretches at your place in Arizona or Nevada. Where should you insure your car?
The general rule is this: you must insure your vehicle in the state where it is “garaged” most of the year. In other words, if your car lives in Los Angeles nine months out of the year, it should be insured in California—even if you occasionally drive it to your Arizona vacation home. Insurance companies expect accurate information about where the car is primarily kept, and giving false info could cause claim denials.
That said, if you keep a vehicle full-time at your second home—say a pickup truck that never leaves Arizona—you can and should insure it under an Arizona policy. In fact, you’ll usually save money that way, since Arizona’s rates are cheaper than California’s or Nevada’s.
Things to Consider When Deciding Where to Insure
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