Cheap Quotes for Las Vegas, NV Car Insurance (2024)
Las Vegas, Nevada car insurance rates average $546 a month and Nevada law requires coverage of at least 25/50/20. By comparing rates from multiple Las Vegas, NV companies, you can find cheap Las Vegas car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance 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
- Average car insurance rates in Las Vegas, NV for senior drivers are $3,576/year
- Average car insurance rates in Las Vegas, NV after a DUI are $7,835/year
- Las Vegas has an average commute time of 26.1 minutes
How do the Las Vegas, Nevada monthly average car insurance rates of $546/month compare to nearby cities like Reno car insurance rates, North Las Vegas car insurance rates, and Elko car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Las Vegas, NV.
We’ll cover the Nevada minimum coverage requirements, Nevada car insurance laws, and Las Vegas, NV statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Las Vegas, Nevada companies to find the most affordable Las Vegas car insurance rates.
Enter your ZIP code above to find cheap Las Vegas, NV car insurance quotes today.
What are the minimum Las Vegas, NV car insurance requirements?
To meet Nevada minimum car insurance coverage requirements, Las Vegas, NV drivers need to carry at least 25/50/20 coverage.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Average Las Vegas, NV Car Insurance Rates by ZIP Code
Where you live is a major determinate of your car insurance rates. Even within Las Vegas, NV you can see that rates will vary by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 89101 | $7,487 |
| 89102 | $7,376 |
| 89104 | $7,360 |
| 89106 | $7,374 |
| 89107 | $7,255 |
| 89108 | $6,830 |
| 89110 | $7,189 |
| 89117 | $6,861 |
| 89124 | $5,228 |
| 89128 | $6,592 |
| 89129 | $6,215 |
| 89130 | $6,440 |
| 89131 | $6,017 |
| 89134 | $6,069 |
| 89138 | $6,130 |
| 89143 | $5,908 |
| 89144 | $6,124 |
| 89145 | $6,586 |
| 89146 | $7,074 |
| 89149 | $6,034 |
| 89156 | $6,904 |
| 89158 | $6,508 |
| 89161 | $6,462 |
| 89165 | $6,119 |
| 89166 | $5,539 |
| 89179 | $6,584 |
| 89199 | $6,285 |
How do age, gender, and marital status affect Las Vegas, NV car insurance rates?
Three of the criteria that most affect car insurance rates in Las Vegas, Nevada are age, gender, and marital status. Let’s take a look at how each of these stack up with top Las Vegas car insurance companies.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,236 | $4,182 | $3,961 | $4,181 | $14,177 | $17,070 | $4,490 | $4,691 |
| American Family | $4,278 | $4,278 | $3,819 | $3,819 | $14,474 | $18,921 | $4,278 | $4,895 |
| Farmers | $5,038 | $5,183 | $4,611 | $5,235 | $16,811 | $17,935 | $6,703 | $6,647 |
| Geico | $3,382 | $3,280 | $3,477 | $3,597 | $8,413 | $7,614 | $3,331 | $2,801 |
| Liberty Mutual | $4,176 | $4,529 | $4,194 | $4,768 | $19,663 | $21,960 | $4,691 | $4,860 |
| Nationwide | $3,157 | $3,221 | $2,876 | $3,050 | $7,971 | $9,542 | $3,779 | $4,031 |
| Progressive | $2,983 | $2,520 | $2,590 | $2,591 | $13,100 | $14,168 | $3,444 | $3,102 |
| State Farm | $4,689 | $4,689 | $4,274 | $4,274 | $14,618 | $18,719 | $5,258 | $5,849 |
| Travelers | $2,908 | $2,947 | $2,788 | $2,791 | $16,261 | $26,881 | $3,218 | $3,518 |
| USAA | $2,409 | $2,361 | $2,326 | $2,301 | $6,465 | $7,273 | $3,054 | $3,238 |
How much do teen drivers pay for car insurance in Las Vegas, NV?
Las Vegas, Nevada car insurance rates for teens are often higher than rates for other drivers. Compare Las Vegas car insurance rates from multiple Las Vegas, Nevada car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,177 | $17,070 |
| American Family | $14,474 | $18,921 |
| Farmers | $16,811 | $17,935 |
| Geico | $8,413 | $7,614 |
| Liberty Mutual | $19,663 | $21,960 |
| Nationwide | $7,971 | $9,542 |
| Progressive | $13,100 | $14,168 |
| State Farm | $14,618 | $18,719 |
| Travelers | $16,261 | $26,881 |
| USAA | $6,465 | $7,273 |
How much do senior drivers pay for car insurance in Las Vegas, NV?
With a little research, seniors can find affordable car insurance in Las Vegas, Nevada. Here’s a look at how the top Las Vegas car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,961 | $4,181 |
| American Family | $3,819 | $3,819 |
| Farmers | $4,611 | $5,235 |
| Geico | $3,477 | $3,597 |
| Liberty Mutual | $4,194 | $4,768 |
| Nationwide | $2,876 | $3,050 |
| Progressive | $2,590 | $2,591 |
| State Farm | $4,274 | $4,274 |
| Travelers | $2,788 | $2,791 |
| USAA | $2,326 | $2,301 |
How does coverage level affect Las Vegas, NV car insurance rates?
How much coverage do you need? Are you comfortable with the Nevada minimum of 25/50/20 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Las Vegas, NV car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,922 | $7,268 | $8,179 |
| American Family | $6,906 | $7,788 | $7,342 |
| Farmers | $7,553 | $8,400 | $9,608 |
| Geico | $3,928 | $4,358 | $5,174 |
| Liberty Mutual | $7,664 | $8,475 | $9,677 |
| Nationwide | $4,547 | $4,704 | $4,859 |
| Progressive | $4,680 | $5,301 | $6,706 |
| State Farm | $7,015 | $7,764 | $8,610 |
| Travelers | $6,785 | $7,680 | $8,528 |
| USAA | $3,218 | $3,635 | $4,182 |
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How does your driving record affect Las Vegas, NV car insurance rates?
Safe driving pays off. The more traffic violations you have in Las Vegas, NV, the higher your car insurance rates will be. Compare rates based on driving infractions from top Las Vegas, Nevada companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $6,027 | $7,128 | $8,528 | $6,811 |
| American Family | $5,904 | $8,185 | $8,810 | $6,481 |
| Farmers | $7,081 | $9,051 | $9,428 | $8,521 |
| Geico | $3,074 | $5,039 | $6,049 | $3,786 |
| Liberty Mutual | $6,264 | $10,082 | $10,116 | $7,960 |
| Nationwide | $3,771 | $4,855 | $6,063 | $4,124 |
| Progressive | $4,615 | $6,412 | $5,830 | $5,392 |
| State Farm | $7,073 | $8,519 | $7,796 | $7,796 |
| Travelers | $5,458 | $8,172 | $10,450 | $6,576 |
| USAA | $2,778 | $3,513 | $5,282 | $3,140 |
How does a DUI affect Las Vegas, NV car insurance rates?
With even one DUI on your record, you can see an increase in your Las Vegas, NV car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $8,528 |
| American Family | $8,810 |
| Farmers | $9,428 |
| Geico | $6,049 |
| Liberty Mutual | $10,116 |
| Nationwide | $6,063 |
| Progressive | $5,830 |
| State Farm | $7,796 |
| Travelers | $10,450 |
| USAA | $5,282 |
How does your credit history affect Las Vegas, NV car insurance rates?
Take a look at the data here to see how your Las Vegas, Nevada car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,346 | $6,517 | $5,507 |
| American Family | $9,050 | $6,963 | $6,023 |
| Farmers | $10,046 | $7,998 | $7,517 |
| Geico | $5,416 | $4,487 | $3,557 |
| Liberty Mutual | $12,387 | $7,544 | $5,885 |
| Nationwide | $5,556 | $4,588 | $3,966 |
| Progressive | $6,102 | $5,475 | $5,110 |
| State Farm | $14,199 | $5,608 | $3,582 |
| Travelers | $8,369 | $7,519 | $7,105 |
| USAA | $5,234 | $3,186 | $2,615 |
How does your commute affect Las Vegas, NV car insurance rates?
Las Vegas, NV car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Nevada can be seen here. Remember, though, that you may have to carry substantially more car insurance in Las Vegas if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $7,123 | $7,123 |
| American Family | $7,241 | $7,449 |
| Farmers | $8,520 | $8,520 |
| Geico | $4,404 | $4,570 |
| Liberty Mutual | $8,605 | $8,605 |
| Nationwide | $4,703 | $4,703 |
| Progressive | $5,562 | $5,562 |
| State Farm | $7,562 | $8,031 |
| Travelers | $7,664 | $7,664 |
| USAA | $3,630 | $3,727 |
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Who has the cheapest Las Vegas, NV car insurance rates?
Here’s a breakdown of Las Vegas, Nevada car insurance rates by company. You can see which company offers the cheapest Las Vegas car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
What are the top Las Vegas, NV car insurance companies?
Which Las Vegas, Nevada car insurance company will best fit your needs and budget? Check out this comparison of the top Las Vegas companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,123 |
| American Family | $7,345 |
| Farmers | $8,520 |
| Geico | $4,487 |
| Liberty Mutual | $8,605 |
| Nationwide | $4,703 |
| Progressive | $5,562 |
| State Farm | $7,796 |
| Travelers | $7,664 |
| USAA | $3,678 |
What factors affect Las Vegas, NV car insurance rates?
Why are Las Vegas, Nevada car insurance rates different than rates in Reno or North Las Vegas? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
How long is the average commute in Las Vegas, NV?
More time spent behind the wheel can lead to higher Las Vegas, Nevada car insurance rates. In Las Vegas, NV, the average commute length is 26.1 minutes.
What is the traffic like in Las Vegas, NV
Like commute length, time spent in traffic also increase risk of accidents. Las Vegas, NV is listed as 477th in INRIX congested cities data.
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Car Insurance Quotes for Las Vegas, NV
Shop for affordable Las Vegas, Nevada car insurance rates today. Enter your ZIP code to compare quotes from multiple Las Vegas, NV car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.