Car Insurance for Las Vegas in 2023
Drivers in Las Vegas pay an average of $4,141 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.
» MORE: The best car insurance companies
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 |
|---|---|---|
| CIG | $1,752 | Not yet rated |
| State Farm | $2,150 | NerdWallet rating 5.0 /5 |
| Country Financial | $2,344 | NerdWallet rating 5.0 /5 |
| American Access | $2,612 | Not yet rated |
| Geico | $2,733 | NerdWallet rating 4.5 /5 |
| Progressive | $2,780 | NerdWallet rating 5.0 /5 |
| Travelers | $2,934 | NerdWallet rating 4.5 /5 |
| American Family | $3,369 | NerdWallet rating 5.0 /5 |
| Nationwide | $3,413 | NerdWallet rating 5.0 /5 |
| Key Insurance | $3,566 | Not yet rated |
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 $3,058, while in Las Vegas, it's $4,141.
| Average city rate | Average state rate |
|---|---|
| $4,141 | $3,058 |
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 |
|---|---|
| 89110 | $4,544 |
| 89108 | $4,295 |
| 89121 | $4,323 |
| 89115 | $4,418 |
| 89148 | $3,984 |
| 89117 | $4,232 |
| 89147 | $4,305 |
| 89123 | $3,892 |
| 89122 | $4,202 |
| 89129 | $3,882 |
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 |
|---|---|---|
| Country Financial | $3,452 | NerdWallet rating 5.0 /5 |
| CIG | $3,617 | Not yet rated |
| Geico | $4,822 | NerdWallet rating 4.5 /5 |
| Travelers | $5,257 | NerdWallet rating 4.5 /5 |
| State Farm | $5,403 | NerdWallet rating 5.0 /5 |
| American Access | $5,711 | Not yet rated |
| Progressive | $6,038 | NerdWallet rating 5.0 /5 |
| Allstate | $7,488 | NerdWallet rating 4.5 /5 |
| Nationwide | $7,742 | NerdWallet rating 5.0 /5 |
| Hallmark Insurance | $7,779 | Not yet rated |
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 |
|---|---|---|
| CIG | $1,752 | Not yet rated |
| State Farm | $2,150 | NerdWallet rating 5.0 /5 |
| Country Financial | $2,344 | NerdWallet rating 5.0 /5 |
| American Access | $2,612 | Not yet rated |
| Geico | $2,733 | NerdWallet rating 4.5 /5 |
| Progressive | $2,780 | NerdWallet rating 5.0 /5 |
| Travelers | $2,934 | NerdWallet rating 4.5 /5 |
| American Family | $3,369 | NerdWallet rating 5.0 /5 |
| Nationwide | $3,413 | NerdWallet rating 5.0 /5 |
| Key Insurance | $3,566 | Not yet rated |
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 |
|---|---|---|
| CIG | $1,565 | Not yet rated |
| State Farm | $2,092 | NerdWallet rating 5.0 /5 |
| Country Financial | $2,153 | NerdWallet rating 5.0 /5 |
| Progressive | $2,407 | NerdWallet rating 5.0 /5 |
| Travelers | $2,473 | NerdWallet rating 4.5 /5 |
| American Access | $2,542 | Not yet rated |
| Geico | $2,553 | NerdWallet rating 4.5 /5 |
| Nationwide | $2,810 | NerdWallet rating 5.0 /5 |
| American Family | $2,980 | NerdWallet rating 5.0 /5 |
| Key Insurance | $3,219 | Not yet rated |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
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 |
|---|---|---|
| CIG | $1,752 | Not yet rated |
| State Farm | $2,150 | NerdWallet rating 5.0 /5 |
| Country Financial | $2,344 | NerdWallet rating 5.0 /5 |
| American Access | $2,612 | Not yet rated |
| Geico | $2,733 | NerdWallet rating 4.5 /5 |
| Progressive | $2,780 | NerdWallet rating 5.0 /5 |
| Travelers | $2,934 | NerdWallet rating 4.5 /5 |
| American Family | $3,369 | NerdWallet rating 5.0 /5 |
| Nationwide | $3,413 | NerdWallet rating 5.0 /5 |
| Key Insurance | $3,566 | Not yet rated |
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 |
|---|---|---|
| American Access | $3,145 | Not yet rated |
| CIG | $3,240 | Not yet rated |
| State Farm | $3,383 | NerdWallet rating 5.0 /5 |
| Country Financial | $3,551 | NerdWallet rating 5.0 /5 |
| Progressive | $3,783 | NerdWallet rating 5.0 /5 |
| Western National | $4,268 | Not yet rated |
| Travelers | $4,406 | NerdWallet rating 4.5 /5 |
| Hallmark Insurance | $4,657 | Not yet rated |
| Allstate | $5,432 | NerdWallet rating 4.5 /5 |
| Geico | $5,835 | 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 |
|---|---|---|
| CIG | $2,500 | Not yet rated |
| State Farm | $2,704 | NerdWallet rating 5.0 /5 |
| Country Financial | $3,006 | NerdWallet rating 5.0 /5 |
| American Access | $3,609 | Not yet rated |
| Travelers | $3,876 | NerdWallet rating 4.5 /5 |
| Key Insurance | $4,038 | Not yet rated |
| Progressive | $4,309 | NerdWallet rating 5.0 /5 |
| Geico | $4,529 | NerdWallet rating 4.5 /5 |
| Hallmark Insurance | $4,657 | Not yet rated |
| Western National | $4,738 | Not yet rated |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
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.
