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Best Cheap Car Insurance in Las Vegas for 2021

Dec. 9, 2020
Auto Insurance, Insurance
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When it’s time to buy car insurance, Las Vegas drivers may have a difficult time finding good rates.

On average, Las Vegas auto insurance costs $2,712 a year, NerdWallet’s 2021 rates analysis found. That’s $569 above the Nevada average and $1,118 more than the average cost of car insurance nationwide.

 

Those average rates are based on a 40-year-old with a clean driving record, buying full coverage car insurance. Depending on your car, driving history and insurance company, you might be paying well over the average.

If you’d rather keep some of those dollars in your pocket, make sure to compare car insurance rates before you buy. We analyzed rates in the Las Vegas metro area from 35 insurers in Nevada for several types of drivers, looking for Las Vegas auto insurance rates that were cheaper than the Nevada average.

Shopping around is essential, because every driver is different, and your actual rate will vary from the prices shown here. Here are the five cheapest options we found for drivers in the Las Vegas metropolitan area.

Cheapest for 20-year-old drivers in Las Vegas

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage in Las Vegas for 20-year-olds

Drivers in Las Vegas with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $2,387 per year.
  2. Nationwide: $3,860 per year.
  3. Country Financial: $3,865 per year.
  4. State Farm: $4,474 per year.
  5. Progressive: $4,811 per year.

Cheapest minimum coverage in Las Vegas for 20-year-olds

Drivers in Las Vegas who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $1,089 per year.
  2. Country Financial: $1,652 per year.
  3. Nationwide: $1,876 per year.
  4. Progressive: $1,878 per year.
  5. State Farm: $2,008 per year.

Cheapest coverage for 20-year-olds with poor credit in Las Vegas

Drivers with poor credit in Las Vegas should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $1,462 per year.
  2. Progressive: $2,289 per year.
  3. Nationwide: $2,469 per year.
  4. Country Financial: $2,481 per year.
  5. Hallmark Insurance: $2,904 per year.

Cheapest for 20-year-old drivers with one at-fault crash in Las Vegas

For drivers with a recent accident in Las Vegas, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $1,458 per year.
  2. Country Financial: $2,154 per year.
  3. Nationwide: $2,204 per year.
  4. Progressive: $2,310 per year.
  5. Hallmark Insurance: $2,557 per year.

Cheapest insurance for 20-year-old drivers after a DUI in Las Vegas

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. Geico: $2,130 per year.
  2. Progressive: $2,150 per year.
  3. Hallmark Insurance: $2,557 per year.
  4. Nationwide: $2,642 per year.
  5. Kemper: $2,898 per year.

Cheapest for 30-year-old drivers in Las Vegas

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage in Las Vegas for 30-year-olds

Drivers in Las Vegas with clean driving records may get the lowest rates from these companies:

  1. Geico: $1,202 per year.
  2. Nationwide: $1,966 per year.
  3. Progressive: $2,084 per year.
  4. State Farm: $2,373 per year.
  5. Country Financial: $2,612 per year.

Cheapest minimum coverage in Las Vegas for 30-year-olds

Drivers in Las Vegas who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $474 per year.
  2. Progressive: $730 per year.
  3. Nationwide: $809 per year.
  4. State Farm: $881 per year.
  5. Country Financial: $970 per year.

Cheapest coverage for 30-year-olds with poor credit in Las Vegas

Drivers with poor credit in Las Vegas should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,625 per year.
  2. Nationwide: $2,814 per year.
  3. Progressive: $2,849 per year.
  4. Country Financial: $3,741 per year.
  5. American Family: $4,092 per year.

Cheapest for 30-year-old drivers with one at-fault crash in Las Vegas

For drivers in Las Vegas with a recent accident, here are the lowest average rate options for full coverage:

  1. Geico: $2,044 per year.
  2. Nationwide: $2,881 per year.
  3. State Farm: $3,005 per year.
  4. Country Financial: $3,327 per year.
  5. Progressive: $3,496 per year.

Cheapest insurance for 30-year-old drivers after a DUI in Las Vegas

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Progressive: $2,899 per year.
  2. Geico: $3,113 per year.
  3. Nationwide: $3,694 per year.
  4. State Farm: $3,796 per year.
  5. Country Financial: $4,149 per year.

Cheapest for 40-year-old drivers in Las Vegas

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage in Las Vegas for 40-year-olds

Drivers in Las Vegas with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $1,210 per year.
  2. Nationwide: $1,846 per year.
  3. Progressive: $2,038 per year.
  4. Country Financial: $2,271 per year.
  5. State Farm: $2,358 per year.

Cheapest minimum coverage in Las Vegas for 40-year-olds

Drivers in Las Vegas who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $473 per year.
  2. Progressive: $691 per year.
  3. Nationwide: $730 per year.
  4. Country Financial: $814 per year.
  5. State Farm: $888 per year.

Cheapest coverage for 40-year-olds with poor credit in Las Vegas

Drivers with poor credit in Las Vegas can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,638 per year.
  2. Nationwide: $2,646 per year.
  3. Progressive: $2,821 per year.
  4. Country Financial: $3,213 per year.
  5. American Family: $4,092 per year.

Cheapest for 40-year-old drivers with one at-fault crash in Las Vegas

For drivers with a recent accident living in Las Vegas, here are the companies with the lowest average rates for full coverage:

  1. Geico: $2,049 per year.
  2. Nationwide: $2,732 per year.
  3. Country Financial: $2,972 per year.
  4. State Farm: $2,986 per year.
  5. Progressive: $3,431 per year.

Cheapest insurance for 40-year-old drivers after a DUI in Las Vegas

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Progressive: $2,839 per year.
  2. Geico: $3,154 per year.
  3. Nationwide: $3,546 per year.
  4. Country Financial: $3,547 per year.
  5. State Farm: $3,773 per year.

Cheapest for 50-year-old drivers in Las Vegas

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage in Las Vegas for 50-year-olds

Drivers in Las Vegas with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $1,091 per year.
  2. Nationwide: $1,726 per year.
  3. Progressive: $1,895 per year.
  4. Country Financial: $2,041 per year.
  5. State Farm: $2,334 per year.

Cheapest minimum coverage in Las Vegas for 50-year-olds

Drivers in Las Vegas who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $416 per year.
  2. Progressive: $669 per year.
  3. Nationwide: $680 per year.
  4. Country Financial: $700 per year.
  5. State Farm: $881 per year.

Cheapest coverage for 50-year-olds with poor credit in Las Vegas

Drivers with poor credit in Las Vegas can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,481 per year.
  2. Nationwide: $2,478 per year.
  3. Progressive: $2,583 per year.
  4. Country Financial: $2,862 per year.
  5. American Family: $3,695 per year.

Cheapest for 50-year-old drivers with one at-fault crash in Las Vegas

For drivers living in Las Vegas with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Geico: $1,918 per year.
  2. Nationwide: $2,587 per year.
  3. Country Financial: $2,708 per year.
  4. State Farm: $2,956 per year.
  5. Progressive: $3,389 per year.

Cheapest insurance for 50-year-old drivers after a DUI in Las Vegas

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Progressive: $2,718 per year.
  2. Geico: $3,029 per year.
  3. Country Financial: $3,146 per year.
  4. Nationwide: $3,400 per year.
  5. State Farm: $3,734 per year.

Cheapest for 65-year-old drivers in Las Vegas

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage in Las Vegas for 65-year-olds

Drivers in Las Vegas with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $1,084 per year.
  2. Nationwide: $1,672 per year.
  3. Country Financial: $2,029 per year.
  4. Progressive: $2,161 per year.
  5. State Farm: $2,242 per year.

Cheapest minimum coverage in Las Vegas for 65-year-olds

Drivers in Las Vegas who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $426 per year.
  2. Nationwide: $675 per year.
  3. Country Financial: $715 per year.
  4. Progressive: $821 per year.
  5. State Farm: $836 per year.

Cheapest coverage for 65-year-olds with poor credit in Las Vegas

Drivers with poor credit in Las Vegas can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,463 per year.
  2. Nationwide: $2,398 per year.
  3. Progressive: $2,844 per year.
  4. Country Financial: $2,854 per year.
  5. American Family: $3,695 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Las Vegas

For drivers with a recent accident living in Las Vegas, here are the companies with the lowest average rates for full coverage:

  1. Geico: $2,048 per year.
  2. Nationwide: $2,521 per year.
  3. Country Financial: $2,802 per year.
  4. State Farm: $2,837 per year.
  5. Progressive: $3,956 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Las Vegas

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Geico: $3,111 per year.
  2. Country Financial: $3,139 per year.
  3. Progressive: $3,246 per year.
  4. Nationwide: $3,333 per year.
  5. State Farm: $3,574 per year.

Cheapest for military families

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest five auto insurance options for 21 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in Las Vegas

Las Vegas car insurance policies must include liability insurance, which covers others’ property damage and injuries if you’re at fault in a crash.

The minimum auto insurance liability limits in Nevada are:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability per incident.
  • $20,000 property damage liability per incident.

Even though this will be enough to drive legally, the bare minimum might not be enough to cover all damage. For example, causing an accident could easily leave you on the hook for more than $20,000 in property damage to another driver’s car. You’d have to pay for any repairs that exceed your insurance limit.

Check out NerdWallet’s guide to minimum car insurance requirements by state to learn more about coverage options for your policy in the Sagebrush State.

Alternative car insurance in Las Vegas

If you’re denied auto insurance on the voluntary market due to DUIs, poor credit or other factors, you can seek coverage through the Nevada Automobile Insurance Plan.

For more help finding cheap car insurance in Las Vegas, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in the Las Vegas-Henderson-Paradise, Nevada, Metropolitan Statistical Area as defined by the U.S. Office of Management and Budget. The MSA encompasses Clark County, Nevada.

Smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.
  • $300,000 bodily injury liability per accident.
  • $50,000 property damage liability per accident.
  • $100,000 uninsured motorist coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

Some policies include additional coverages at the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.
  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These rates are estimates generated through Quadrant Information Services and do not reflect insurers’ proprietary pricing methods. Your own rates will be different.

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