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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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