The Cheapest Car Insurance in Las Vegas…

Nevada requires all drivers to have a minimum amount of auto insurance. Although coverage is fairly affordable compared to other states, auto insurance rates tend to be more expensive in Vegas than the rest of the state. But finding cheap car insurance in Las Vegas is worth the small amount of legwork it takes. To help, we reviewed the top auto insurance companies in Las Vegas to bring you a short list of carriers worth comparison shopping. 

Cheapest Car Insurance in Las Vegas

Car insurance costs can be influenced by many factors. Your accident history, age, vehicle type, coverage amount (basic vs. full) ZIPcode and credit score are just a few examples. To get the cheapest price, it’s important to get quotes from several carriers, but it can be time-consuming. We went ahead and did the research for you. Note that these numbers are averages and your rates will depend on details like your car, your driving history, etc.

Average Annual Premium in Las Vegas

  • Full Coverage: $2,443
  • State Minimum: $1,478
Provider State Minimum Full Coverage 
Geico $2,045 $820
USAA $2,207 $1,263
Country Preferred $2,829 $1,275
Farmers $2,799 $1,442
Progressive $2,795 $1,482
Allstate $3,175 $1,589
State Farm $2,736 $1,663
Western United $3,401 $1,817
Key Insurance $3,197 $2,940

Cheap Car Insurance in Las Vegas Township by City and Zipcode

Location can make a big difference when trying to find cheap auto insurance. For example, Spring Valley is a lovely area overlooking the Las Vegas Valley, but has a higher-than-average rate of vehicle theft and property crimes. In contrast, Boulder City may be the cheapest area for car insurance because of the smaller population. Here’s a closer look at how average auto insurance rates compare across Las Vegas.

City State Minimum Liability Only Full Coverage
Boulder City $1,126 $2,279
Henderson $1,342 $2,384
North Las Vegas $1,466 $2,391
Las Vegas $1,501 $2,470
Paradise $1,509 $2,483
Whitney $1,516 $2,427
Enterprise $1,538 $2,483
Sunrise Manor $1,545 $2,442
Spring Valley $1,565 $2,488

Zip Codes

Zip Code Average Annual Premium
89005 $1,601
89002 $1,627
89084 $1,684
89015 $1,697
89012 $1,714
89011 $1,726
89081 $1,728
89052 $1,745
89166 $1,746
89149 $1,751
89074 $1,758
89115 $1,759
89032 $1,763
89130 $1,763
89143 $1,763
89144 $1,763
89014 $1,764
89123 $1,770
89134 $1,779
89031 $1,783
89142 $1,789
89131 $1,791
89122 $1,794
89129 $1,794
89101 $1,803
89183 $1,810
89145 $1,816
89030 $1,821
89156 $1,835
89110 $1,836
89108 $1,837
89113 $1,837
89139 $1,842
89119 $1,844
89120 $1,846
89128 $1,846
89148 $1,846
89118 $1,847
89121 $1,847
89103 $1,863
89147 $1,869
89169 $1,869
89117 $1,875
89146 $1,888
89107 $1,891
89106 $1,893
89104 $1,899
89102 $1,903

Cheapest Car Insurance Rates in Las Vegas With a Prior Accident

A single car accident on your driving record can lead to more expensive rates. If you’re concerned about your rates increasing after an accident, consider coverage with a carrier offering accident forgiveness. The program will erase one accident off your record once every few years to prevent your premiums from increasing.

Insurance carriers don’t publish clear guidelines on how much your premiums could increase if you’re responsible for an accident, but you should expect to pay more after an accident. Here are our findings on how much your insurance rate could go up on average:

Provider 1 Accident* No Accident* Difference
USAA $2,036 $2,030 0.3%
Geico $2,062  $2,030 1.5%
State Farm $2,808 $2,718 3%
Country Preferred $2,856 $2,820 1%
Allstate $3,153 $2,958 6.5%
Farmers $2,925 $2,747 7%
Progressive $2,957  $2,751 7%

*Full Coverage

Average Auto Insurance Premiums in Las Vegas by Credit Score

You may be surprised to know that auto insurers evaluate your credit score to decide how much your car insurance should cost. Drivers with good credit typically pay less for auto insurance than those with poor credit. 

Insurance companies evaluate many factors to determine how much of a risk you present. They may decide that you’re more likely to cause an accident or drive without the minimum insurance coverage required if you have a poor credit history. Focusing on improving your credit score can make a big difference in your car insurance rates. Take a look at the difference your credit score can make on your premiums. You’ll find that some auto insurance companies in Las Vegas are more credit-lenient than others.

Provider Poor Credit Good Credit Difference
Geico $2,366 $1,763 34%
Progressive $2,941 $2,717 8%
Key Insurance $3,197 $3,197 0%
USAA $3,232 $2,014 60%
State Farm $3,238 $2,675 21%
Country Preferred $3,241 $2,721 19%
Farmers $3,273 $2,731 20%

*Full Coverage

Car Insurance in Las Vegas

Las Vegas isn’t prone to the same weather threats other parts of the country suffer from such as hurricanes, ice and snowstorms. But that doesn’t mean Las Vegas is hazard-free. Flash flooding can be dangerous, especially for Vegas drivers. 

In Vegas, drunk driving isn’t only a night-time issue — many of the drunk driving fatalities occur between 9 a.m. and 3 p.m., labeling the state and city as the “Booziest Brunch” spot in the country.

Las Vegas minimum insurance requirements

All states require some level of auto insurance for residents. Over 10% of drivers in Nevada are uninsured. If you’re caught without insurance in Las Vegas it’s a misdemeanor, but an expensive one. The fine can cost between $250 and $1,000, and your license may be suspended.

Minimum liability required in the state of Las Vegas is divided as follows:

  • $25,000 per person, bodily injury 
  • $50,000 per accident, bodily injury 
  • $20,000 in property damage 

However, taking only the minimum coverage isn’t the best idea. Liability insurance doesn’t cover your vehicle in case of an accident. In addition, the minimum coverage may not be enough to pay for damages and injuries in a more serious accident — you would need to pay the difference out-of-pocket. Try to find a balance between affordable premiums and practical coverage.

Las Vegas Car Insurance FAQs

Car insurance profile

To select the cheapest car insurance in Las Vegas we used Coverage.com’s data, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

  • $100k bodily injury liability per person
  • $300k bodily injury liability coverage per crash
  • $100k property damage liability coverage per crash
  • $500 collision coverage deductible
  • $500 comprehensive coverage deductible

Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.


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