Car Insurance for Las Vegas in 2022

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Drivers in Las Vegas pay an average of $3,393 per year for car insurance, but you might find cheaper coverage if you shop around.

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Las Vegas has a flashy reputation, but if you’re sticking around Sin City for a while, you’ll likely need to consider the unflashy as well, such as car insurance. The proper car insurance policy can help give you financial peace of mind when you’re cruising the chaos of the Vegas strip or driving out to an early morning hike at Red Rock Canyon.

If you’re looking for cheap car insurance in Las Vegas, you’ll want to shop around for the lowest rates. NerdWallet has compiled car insurance averages in Las Vegas to provide a baseline as you begin your search. Since the cost of car insurance is personalized for each individual driver, getting quotes from several companies is the best way to find the lowest rate for you. When you shop around, make sure to look for similar coverage levels for the most accurate comparison.

Read on to find out how auto insurance companies in Las Vegas stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

To find the cheapest companies in Las Vegas, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Las Vegas driving a 2019 Toyota Camry L.

Cheapest car insurance companies in Las Vegas

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Las Vegas, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
Geico$1,181
NerdWallet rating 

4.5

/5
USAA$1,813
NerdWallet rating 

4.0

/5
Country Financial$1,915
NerdWallet rating 

4.5

/5
Nationwide$2,017
NerdWallet rating 

4.5

/5
Progressive$2,326
NerdWallet rating 

5.0

/5
State Farm$2,443
NerdWallet rating 

5.0

/5
Hallmark Insurance$2,789Not yet rated
American Family$3,093
NerdWallet rating 

5.0

/5
Key Insurance$3,204Not yet rated
Mercury$3,240
NerdWallet rating 

4.0

/5

If you’re looking for cheap car insurance in Las Vegas, Nevada, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Las Vegas — or anywhere.

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Average car insurance cost in Las Vegas and Nevada

Rates across Nevada differ from those in Las Vegas for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Nevada is $2,486, while in Las Vegas, it's $3,393.

Average city rate
Average state rate
$3,393$2,486

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Average cost of car insurance in Las Vegas’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Las Vegas and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP Code
Average Rate
89108$3,485
89110$3,440
89115$3,211
89117$3,425
89121$3,338
89122$3,244
89123$3,147
89129$3,156
89147$3,462
89148$3,218

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Cheap car insurance in Las Vegas by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Las Vegas for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Las Vegas pay, on average.

Company
Rate
NerdWallet Rating
Geico$2,329
NerdWallet rating 

4.5

/5
Country Financial$2,536
NerdWallet rating 

4.5

/5
USAA$3,618
NerdWallet rating 

4.0

/5
Nationwide$4,179
NerdWallet rating 

4.5

/5
State Farm$4,636
NerdWallet rating 

5.0

/5
Progressive$5,324
NerdWallet rating 

5.0

/5
Hallmark Insurance$5,753Not yet rated
Allstate$6,235
NerdWallet rating 

4.5

/5
Key Insurance$7,244Not yet rated
Farmers$7,540
NerdWallet rating 

4.5

/5

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Las Vegas, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
Geico$1,181
NerdWallet rating 

4.5

/5
USAA$1,813
NerdWallet rating 

4.0

/5
Country Financial$1,915
NerdWallet rating 

4.5

/5
Nationwide$2,017
NerdWallet rating 

4.5

/5
Progressive$2,326
NerdWallet rating 

5.0

/5
State Farm$2,443
NerdWallet rating 

5.0

/5
Hallmark Insurance$2,789Not yet rated
American Family$3,093
NerdWallet rating 

5.0

/5
Key Insurance$3,204Not yet rated
Mercury$3,240
NerdWallet rating 

4.0

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Las Vegas, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,099
NerdWallet rating 

4.5

/5
USAA$1,709
NerdWallet rating 

4.0

/5
Country Financial$1,755
NerdWallet rating 

4.5

/5
Nationwide$1,760
NerdWallet rating 

4.5

/5
Progressive$2,019
NerdWallet rating 

5.0

/5
Hallmark Insurance$2,332Not yet rated
State Farm$2,338
NerdWallet rating 

5.0

/5
Mercury$2,753
NerdWallet rating 

4.0

/5
American Family$2,818
NerdWallet rating 

5.0

/5
Key Insurance$2,902Not yet rated
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Las Vegas’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Las Vegas by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Las Vegas according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,181
NerdWallet rating 

4.5

/5
USAA$1,813
NerdWallet rating 

4.0

/5
Country Financial$1,915
NerdWallet rating 

4.5

/5
Nationwide$2,017
NerdWallet rating 

4.5

/5
Progressive$2,326
NerdWallet rating 

5.0

/5
State Farm$2,443
NerdWallet rating 

5.0

/5
Hallmark Insurance$2,789Not yet rated
American Family$3,093
NerdWallet rating 

5.0

/5
Key Insurance$3,204Not yet rated
Mercury$3,240
NerdWallet rating 

4.0

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Las Vegas according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Country Financial$2,786
NerdWallet rating 

4.5

/5
Geico$3,034
NerdWallet rating 

4.5

/5
Progressive$3,228
NerdWallet rating 

5.0

/5
Hallmark Insurance$3,303Not yet rated
Key Insurance$3,434Not yet rated
Nationwide$3,843
NerdWallet rating 

4.5

/5
USAA$3,900
NerdWallet rating 

4.0

/5
State Farm$3,914
NerdWallet rating 

5.0

/5
Western National$4,687Not yet rated
Allstate$4,815
NerdWallet rating 

4.5

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Las Vegas, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$2,000
NerdWallet rating 

4.5

/5
Country Financial$2,386
NerdWallet rating 

4.5

/5
USAA$2,505
NerdWallet rating 

4.0

/5
Nationwide$2,978
NerdWallet rating 

4.5

/5
State Farm$3,089
NerdWallet rating 

5.0

/5
Hallmark Insurance$3,303Not yet rated
Key Insurance$3,651Not yet rated
Progressive$3,884
NerdWallet rating 

5.0

/5
Western National$4,687Not yet rated
Allstate$4,905
NerdWallet rating 

4.5

/5
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Minimum car insurance requirements in Nevada

The minimum car insurance coverage required in Las Vegas is: $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident, plus $20,000 in property damage liability per accident. These coverage amounts represent the lowest legal requirement in Nevada, but it’s always a good idea to consider additional coverage, especially if you spend a considerable amount of time on the road and are at greater risk of being in an accident.