Car Insurance for Las Vegas in 2023

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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.

By Andrew Marder 

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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.

CompanyRateNerdWallet Rating
CIG$1,752Not yet rated
State Farm$2,150
NerdWallet rating 

5.0

/5
Country Financial$2,344
NerdWallet rating 

5.0

/5
American Access$2,612Not 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$3,566Not 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.

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 rateAverage 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 CodeAverage 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.

CompanyRateNerdWallet Rating
Country Financial$3,452
NerdWallet rating 

5.0

/5
CIG$3,617Not 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$5,711Not 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$7,779Not 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.

CompanyRateNerdWallet Rating
CIG$1,752Not yet rated
State Farm$2,150
NerdWallet rating 

5.0

/5
Country Financial$2,344
NerdWallet rating 

5.0

/5
American Access$2,612Not 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$3,566Not 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.

CompanyRateNerdWallet Rating
CIG$1,565Not 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$2,542Not 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$3,219Not yet rated

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.

CompanyRateNerdWallet Rating
CIG$1,752Not yet rated
State Farm$2,150
NerdWallet rating 

5.0

/5
Country Financial$2,344
NerdWallet rating 

5.0

/5
American Access$2,612Not 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$3,566Not 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.

CompanyRateNerdWallet Rating
American Access$3,145Not yet rated
CIG$3,240Not 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$4,268Not yet rated
Travelers$4,406
NerdWallet rating 

4.5

/5
Hallmark Insurance$4,657Not 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.

CompanyRateNerdWallet Rating
CIG$2,500Not yet rated
State Farm$2,704
NerdWallet rating 

5.0

/5
Country Financial$3,006
NerdWallet rating 

5.0

/5
American Access$3,609Not yet rated
Travelers$3,876
NerdWallet rating 

4.5

/5
Key Insurance$4,038Not yet rated
Progressive$4,309
NerdWallet rating 

5.0

/5
Geico$4,529
NerdWallet rating 

4.5

/5
Hallmark Insurance$4,657Not yet rated
Western National$4,738Not yet rated

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.