Why Auto Insurance Rates Are Rising in Nevada 2026: Sam Mirejovsky Explains on ARC Las Vegas
Las Vegas, NV – January 2026
Auto insurance premiums in Nevada are climbing again in 2026, with major carriers implementing average rate increases of around 6.4% statewide, continuing a multi-year trend that has pushed full-coverage monthly costs to $280 or higher for many drivers (per recent industry reports). Sam Mirejovsky, founding partner of Sam & Ash Injury Law in Las Vegas, recently joined ARC Las Vegas to break down the key reasons behind these spikes and what Nevada drivers need to know to protect themselves.
Main Drivers of Rising Auto Insurance Rates in Nevada 2026
During the segment, Sam highlighted the primary factors fueling the increases:
- High crash rates and traffic congestion: Nevada, especially Clark County and Las Vegas, sees heavy daily traffic, population growth, and tourist volume on roads like I-15 and the Strip, leading to more frequent collisions.
- Elevated vehicle thefts: Nevada ranks among the top states for auto theft, driving up comprehensive coverage costs.
- Soaring repair and medical expenses: Modern vehicles have advanced (and expensive) technology; injury-related medical bills continue to rise sharply.
- At-fault insurance system: Nevada’s fault-based model results in higher claim frequency and severity, as insurers pay out more for liable drivers.
- Inflation and reinsurance costs: Broader economic pressures, including higher reinsurance rates for carriers, are passed on to policyholders.
Sam emphasized that while minimum liability (25/50/20) meets state requirements, it often leaves drivers underprotected, especially against uninsured/underinsured motorists. Fact: Nevada’s uninsured rate hovers around 8–9%. Opting for full coverage (including UM/UIM and higher limits) can provide critical protection against these rising risks.
Why Full Coverage Is Becoming More Important in 2026
With premiums climbing, many drivers consider dropping to minimum coverage to save money. Sam cautioned against this:
- Full coverage protects against uninsured/underinsured drivers (common in Nevada).
- It covers your own vehicle repairs and medical expenses after an at-fault crash.
- Higher limits (e.g., 100/300/100) offer far better financial security than state minimums, especially as repair and medical costs continue to escalate.
Sam Mirejovsky shared practical advice for Nevada drivers facing these increases, from shopping smarter, to understanding coverage options. Catch the complete discussion on ARC Las Vegas (News3LV): HERE.
If rising rates or a recent accident have you nervous, Sam & Ash Injury Law offers a free 24/7 consultation, and no fees until we win. We fight insurance companies, so you get the full compensation you deserve. Because you deserve What’s Right.
Call (702) 820-1234 today or visit samandashlaw.com
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