Car Insurance for Las Vegas in 2024
Drivers in Las Vegas pay an average of $3896 per year for car insurance, but you might find cheaper coverage if you shop around.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Car insurance in Las Vegas, Nevada, costs an average of $3896 per year for full coverage, which means that Las Vegas drivers pay significantly more than the national average. But you may find cheaper options if you shop around, which is why it's important to compare rates from different companies.
Because you shouldn’t take a gamble when choosing a car insurance policy, NerdWallet found the cheapest car insurance companies in Sin City by looking 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 2021 Toyota Camry LE.
Read on to find out how auto insurance companies in Las Vegas stack up. You can also check out our analysis of the cheapest car insurance companies in Nevada.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.
» MORE: The best car insurance companies
Cheapest car insurance companies in Las Vegas
You never know what might happen while you’re driving down The Strip, so car insurance in Las Vegas can be pricey. But your location isn’t the only factor determining how much you pay for auto insurance. 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 | Median annual rate |
|---|---|
| Travelers | $2051 |
| Progressive | $2112 |
| Country Financial | $2664 |
| State Farm | $3052 |
| Allstate | $3463 |
| Geico | $3662 |
| American Family | $3777 |
| Mercury | $4081 |
| Nationwide | $4294 |
| USAA* | $2180 |
*USAA is only available to military, veterans and their families.
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 $2603, while in Las Vegas it's $3896.
| Median city rate | Median state rate |
|---|---|
| $3896 | $2,603 |
Average cost of car insurance in Las Vegas’ 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 | Median rate |
|---|---|
| 89110 | $4482 |
| 89108 | $4080 |
| 89121 | $4059 |
| 89115 | $4146 |
| 89148 | $3887 |
| 89117 | $3970 |
| 89147 | $3865 |
| 89123 | $3538 |
| 89122 | $3858 |
| 89129 | $3404 |
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.
Average car insurance rates in Las Vegas by age
Below are the median full coverage rates for drivers of different ages with a good driving record and credit history.
| Age | Median full coverage annual rate |
|---|---|
| 20 | $9197 |
| 30 | $3848 |
| 35 | $3896 |
| 40 | $3766 |
| 50 | $3652 |
| 60 | $3501 |
| 70 | $3810 |
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 might pay, on average.
| Company | Median annual rate |
|---|---|
| Progressive | $4878 |
| Country Financial | $4900 |
| Geico | $5313 |
| Travelers | $6865 |
| State Farm | $8256 |
| Allstate | $8539 |
| Mercury | $8991 |
| American Family | $9270 |
| Nationwide | $10367 |
| USAA* | $4872 |
*USAA is only available to military, veterans and their families.
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 | Median annual rate |
|---|---|
| Travelers | $2051 |
| Progressive | $2112 |
| Country Financial | $2664 |
| State Farm | $3052 |
| Allstate | $3463 |
| Geico | $3662 |
| American Family | $3777 |
| Mercury | $4081 |
| Nationwide | $4294 |
| USAA* | $2180 |
*USAA is only available to military, veterans and their families.
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 | Median annual rate |
|---|---|
| Travelers | $1835 |
| Progressive | $1857 |
| Country Financial | $2439 |
| State Farm | $2965 |
| Mercury | $3306 |
| American Family | $3337 |
| Allstate | $3347 |
| Nationwide | $3555 |
| Geico | $3779 |
| USAA* | $1956 |
*USAA is only available to military, veterans and their families.
Las Vegas’ 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 | Median annual rate |
|---|---|
| Travelers | $2051 |
| Progressive | $2112 |
| Country Financial | $2664 |
| State Farm | $3052 |
| Allstate | $3463 |
| Geico | $3662 |
| American Family | $3777 |
| Mercury | $4081 |
| Nationwide | $4294 |
| USAA* | $2180 |
*USAA is only available to military, veterans and their families.
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 | Median annual rate |
|---|---|
| Progressive | $2666 |
| Travelers | $3648 |
| Country Financial | $3973 |
| State Farm | $4754 |
| Allstate | $5479 |
| American Family | $6623 |
| Geico | $6675 |
| Mercury | $6727 |
| Nationwide | $8772 |
| USAA* | $4500 |
*USAA is only available to military, veterans and their families.
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 | Median annual rate |
|---|---|
| Travelers | $3017 |
| Progressive | $3238 |
| State Farm | $3831 |
| Country Financial | $3839 |
| Allstate | $5430 |
| Geico | $6047 |
| American Family | $6538 |
| Nationwide | $6740 |
| Mercury | $6920 |
| USAA* | $3017 |
*USAA is only available to military, veterans and their families.
Las Vegas car insurance requirements
Las Vegas drivers need to meet Nevada's auto insurance coverage requirements.
Nevada 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 are:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per incident.
$20,000 property damage liability per incident.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
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.
Shop around to get cheap insurance
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.
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.
Methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. 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 only the minimum coverage required 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. In states where credit isn’t taken into account, we used only rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a speeding ticket, we added a single speeding ticket from within the last six months.
For drivers with a DUI, we added a single drunken driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven.
