Capital Insurance Group offers the best full and minimum coverage insurance. It's also the best choice for other driver profiles: young adults, teens, seniors and those with offenses. Travelers may be perfect if you're a new driver.
However, a totally different insurance company could be best for you. We created a list of the cheapest auto insurance companies in Las Vegas for those who prioritize affordability.
Table of Contents (Jump to Your Best Fit)








Best Overall Car Insurance in Las Vegas
The following companies offer the best car insurance in Las Vegas:
- Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,105 per year)
- American Family: MoneyGeek score of 76 out of 100 ($1,558 per year)
Capital Insurance Group is our top choice because of its outstanding scores for affordability and service. Even though there aren't many add-on coverages, customers can still get great service. However, as factors vary by city, this insurer didn't rank among Nevada's top five best companies.
With a MoneyGeek score of 85 out of 100, USAA is the top insurance company in Las Vegas for military members, veterans and their families.
How was this MoneyGeek score calculated?

pros
Achieved the highest customer satisfaction rating
Second-cheapest insurance rate, at $1,105 annually
Offers custom parts and full glass coverages
cons
Few add-on coverages available
No rental car or travel reimbursement
COMPANY HIGHLIGHTS
Capital Insurance Group is the best auto insurance provider in Las Vegas because of its reliable service and reasonable rates. Despite providing a few add-on coverage options for its clients, this insurer dominated our ranking due to its outstanding service quality.
However, Capital Insurance Group received below-average coverage ratings. Roadside assistance, full glass coverage and custom parts coverage are the only coverages Capital Insurance Group provides – the latter two being unique. In addition, this company doesn't offer rental car or travel reimbursement, which are pretty standard coverages.
How the Best Insurers in Las Vegas Rank: MoneyGeek Scores and Costs
Capital Insurance Group ranked highest among 15 Las Vegas car insurance providers because it had the top affordability and client satisfaction ratings. American Family received the best coverage ratings but did poorly in other categories where Capital Insurance Group thrived.
Rates for full coverage insurance are above. We could only assign MoneyGeek scores to companies with sufficient data for each rating factor – affordability, coverage options, financial stability and client service.
Best Car Insurance in Las Vegas for Customer Service
Affordability aside, the best car insurance companies in Las Vegas for customer service are as follows:
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,105 per year)
- Country Financial: MoneyGeek score of 65 out of 100 ($1,749 per year)
Capital Insurance Group received outstanding customer satisfaction and claims management marks among the 15 insurers reviewed. In addition, its car insurance policies are among the most affordable compared to other companies.
How was this MoneyGeek score calculated?

pros
Offers top service quality among 15 companies
Above-average rating for handling claims
Provides two unique add-ons: full glass and custom parts coverages
cons
No rental car or travel reimbursement
Achieved poor score for coverage options provided
COMPANY HIGHLIGHTS
Drivers in Las Vegas who value service over affordability could enjoy the best deals with Capital Insurance Group, the best auto insurance for service quality. Of the 15 insurance companies we analyzed, this insurer achieved a good rating for customer satisfaction and an above-average rating for claims management.
Capital Insurance Group provides full glass and custom part coverages, which aren't standard with other insurance companies. Only roadside assistance is the typical add-on coverage this insurer offers. When optional roadside assistance coverage is added to your insured car, the coverage amount rises to $250 unless the amount specified in the declarations is higher. Capital Insurance Group also doesn't offer rental car or travel reimbursement, which are expected from other providers.
What Makes an Insurer Best for Customer Service?
Customer service is crucial in difficult situations. Companies with exceptional service can promptly settle claims and resolve customer concerns.
Our top recommendation is Capital Insurance Group because of its #1 claims handling and customer service rankings. State Farm is the cheapest option in the city, but it performs poorly in managing claims and providing customer care.
Best Cheap Car Insurance in Las Vegas
We evaluated insurance providers based on the quality of their minimum coverage policies and customer service. The best car insurance providers in Las Vegas for minimum coverage are:
- Capital Insurance Group: MoneyGeek score of 83 out of 100 ($521 per year)
- State Farm: MoneyGeek score of 77 out of 100 ($572 per year)
Nevada requires residents to have at least the state minimum amount of coverage. It's worth noting that while these policies are generally the cheapest, they also provide the least protection.
How was this MoneyGeek score calculated?

pros
An affordable minimum coverage policy costs $521 per year
Most outstanding customer service
cons
Lacks most discounts other companies provide
Achieved a poor rating for its add-on coverage options
COMPANY HIGHLIGHTS
Capital Insurance Group is the best cheap car insurance in Las Vegas, with an affordable minimum coverage policy costing $521 a year on average. The company's outstanding service to its policyholders is an excellent complement to this reasonable rate.
However, Capital Insurance Group fell flat regarding its add-on coverage and discount offerings. The only coverages offered are for roadside assistance and full glass and custom parts. You can add roadside assistance as an extra service to your commercial or personal auto insurance. Meanwhile, this insurer doesn't provide most discounts other insurance companies offer.
What Makes an Insurer the Best Cheap Option?
The best cheap auto insurance in Las Vegas is one with minimum coverage and doesn't compromise the level of service it provides because of a lower price point. Capital Insurance Group achieves the ideal balance between affordable premiums and top-notch customer service. The runner-up, State Farm, fell short.
Best Car Insurance in Las Vegas for Young Adults
Young adults in Las Vegas could get the best deals from the best auto insurance companies:
- Capital Insurance Group: MoneyGeek score of 79 out of 100 ($1,801 per year)
- American Family: MoneyGeek score of 77 out of 100 ($1,745 per year)
Although Capital Insurance Group isn't the cheapest, it balances that by earning high claims handling and customer satisfaction scores. We also looked into the best car insurance for young adults to assist you in making the best decision.
How was this MoneyGeek score calculated?

pros
Highest customer service rating out of 15 companies
Provides good student discounts
cons
Has among the highest insurance rates, at $1,801 a year
Got a poor score for its add-on coverages
COMPANY HIGHLIGHTS
Capital Insurance Group emerged as the best car insurance in Las Vegas for young adults. Despite being among the most expensive in the city, averaging $1,801 per year, it excels in customer service. As a result, young drivers prioritizing service over affordability could find Capital Insurance Group's insurance policy ideal.
The average rate you can get from this company could be lessened through its good student discount.
What Makes an Insurer Best for Young Adults?
Young drivers looking for the best insurance company should compare providers based on customer service, pricing and age-specific discounts. Capital Insurance Group misses out on discounts, but it meets other needs. American Family, our runner-up, had lower customer satisfaction and claims ratings than Capital Insurance Group. But it does have more coverage options and discount offerings.
Best Car Insurance in Las Vegas for Teens and Their Families
The best car insurance plans in Las Vegas for 16-year-old boys — the priciest group — on a family policy are from:
- Nationwide: MoneyGeek score 73 out of 100 ($2,802 per year)
- Capital Insurance Group: MoneyGeek score of 72 out of 100 ($4,000 per year)
Nationwide car insurance is the least expensive for teens on a family plan in Las Vegas. It also ranks highly for coverage options.
This company is an excellent example of why adding teens to a family plan is often wiser than purchasing a plan for an individual, because the individual option costs over $700 more per year. However, many factors go into deciding on a teen car insurance plan, so we also determined the best car insurance for teens for your reference.
How was this MoneyGeek score calculated?

pros
Earned a perfect score for affordability
Has most standard coverages
Several discounts available
cons
Mediocre claims satisfaction
COMPANY HIGHLIGHTS
We found that Nationwide is the best car insurance for Las Vegas teenagers because it's the most affordable when part of a family plan, offers necessary coverages and has several discounts. One discount is exclusively for younger drivers — if they get good grades, the rates go down. Other discounts parents of teen drivers may like are bundling and multiple car discounts, as those apply to existing members anyway, and things like anti-theft systems.
Nationwide's optional coverages also include roadside assistance for when a kid breaks down at the side of the road and a total loss deductible waiver in case of a real bit of bad luck.
What Makes an Insurer Best for Teens?
The best car insurance providers for teens in Las Vegas don't break the bank but do provide coverages and discounts families need to keep their kids safe on the road. Nationwide insurance offers coverages to help young drivers stay safe.
Best Car Insurance in Las Vegas for Seniors
The best car insurance companies for elderly drivers in Las Vegas are:
- Capital Insurance Group: MoneyGeek score of 82 out of 100 ($919 per year)
- American Family: MoneyGeek score of 76 out of 100 ($1,450 per year)
The best car insurance for seniors is provided by Capital Insurance Group, which has earned high scores for consumer service, affordability and claims handling. Drivers in their 60s frequently pay similar amounts as those in their 30s through 50s. But premiums for drivers in their 70s seem to be more costly.
How was this MoneyGeek score calculated?

pros
Ranks #1 in affordability, at an average annual premium of $919
Provides full glass and custom parts coverages
Most outstanding customer service score
cons
Few coverage selections
Lacks rental car or travel reimbursement
COMPANY HIGHLIGHTS
Capital Insurance Group is the best auto insurance in Las Vegas for senior drivers, with the most affordable average yearly rate of $919. It also achieved the highest customer service score, which combines perfectly with its cheap premiums.
Although this insurer doesn't offer a wide range of add-on coverages, it has unique options – custom parts and full glass coverages. With full glass coverage, you won't be responsible for the comprehensive deductible if your car's windows or windshield need to be fixed or replaced. Custom parts coverage covers damage to unique features you added to your vehicle.
What Makes an Insurer Best for Seniors?
Senior drivers frequently pay less for insurance than drivers of other groups. The ideal coverage for older drivers is affordable full coverage insurance with personal injury protection (PIP), as it sufficiently covers their medical expenses.
Capital Insurance Group excels in the field because of its reasonable prices, excellent claims handling and top-notch service despite not having senior-specific benefits.
Best Car Insurance in Las Vegas for Drivers With Offenses
The best car insurance companies in Las Vegas for drivers with offenses are:
- Capital Insurance Group: MoneyGeek score of 77 out of 100 ($2,137 per year)
- State Farm: MoneyGeek score of 76 out of 100 ($1,152 per year)
Capital Insurance Group offers the second-cheapest premiums and the finest claims management and service. Insurance rates vary depending on the offense done, typically rising based on how severe it was. For example, if a driver in Las Vegas is charged with a speeding ticket or DUI, the additional penalties are $546 and $1,111, respectively. You may save money by choosing from the best insurance providers for motorists with a bad driving history.
How was this MoneyGeek score calculated?

pros
Top-notch customer service
Second-cheapest premiums, averaging $2,137 annually
Provides roadside assistance
cons
No rental car reimbursement, accident forgiveness and new or better car replacement
Attained a below-average score for add-on coverages
COMPANY HIGHLIGHTS
Capital Insurance Group offers the best auto insurance in Las Vegas for drivers with violations in their records. Those with speeding tickets, at-fault accidents and DUI may anticipate paying more on coverage because they're considered riskier drivers. This company provides the second-cheapest premiums at an average annual premium of $2,137.
Drivers with imperfect records should look for accident forgiveness, rental car reimbursement, roadside assistance and new or better car replacement. This is the downside for Capital Capital Insurance, as it only has roadside assistance.
What Makes an Insurer Best for Drivers With Offenses?
The best auto insurance provider offers competitive rates and coverages like roadside assistance, rental car or travel reimbursement and accident forgiveness for drivers with records.
Although Capital Insurance Group only offers roadside assistance coverage, it received relatively high ratings for pricing and service. State Farm, which came in second place, offers the lowest rates in the area but performed poorly in coverage and claims handling.
Best Car Insurance in Las Vegas for Drivers With New Cars
New car owners in Las Vegas can get the best auto insurance from the leading companies listed below:
- Travelers: MoneyGeek score of 76 out of 100 ($1,583 per year)
- Farmers: MoneyGeek score of 68 out of 100 ($1,833 per year)
Scores for this category were determined by cost and service for drivers of 2022 car models, and only those with better or new car replacement coverage were included. Travelers offers new car replacement coverage, affordable prices and top-notch service. This coverage pays for a new car with the exact same make and model if yours is destroyed.
How was this MoneyGeek score calculated?

pros
Most affordable car insurance averaging $1,583 per year
Offers new car replacement coverage
Ranks #2 in customer satisfaction
cons
No better car replacement or deductible modification coverage
COMPANY HIGHLIGHTS
Travelers is the best auto insurance in Las Vegas for new car drivers, featuring the most affordable average annual premium of $1,583. It also provides policyholders with good customer service and new car replacement coverage.
Travelers offers many popular car insurance supplemental coverages, like accident forgiveness, roadside assistance, gap insurance and rental car or trip expense reimbursement. While numerous insurers do, it doesn't give deductible modification or better car replacement. Regarding unique coverages, Travelers doesn't provide any that set it apart from its counterparts in the industry.
What Makes an Insurer Best for Drivers With New Cars?
A new or better car replacement coverage should be prioritized by new car owners when choosing a company. These add-on options could assist you in saving a great deal if your new car is in an incident.
Travelers emerged as the leading provider since it offers coverage for purchasing new cars and provides exceptional service. Farmers is also cost-effective but has lower customer satisfaction.
How to Find the Best Car Insurance in Las Vegas for You
Compare car insurance providers in Las Vegas based on affordability, service quality, claims handling and financial stability to find the best one for you. Our scores may help, but we advise researching using the techniques below.
Research customer service reputations in Las Vegas
The NAIC complaint ratio and J.D. Power data were used in MoneyGeek's rating system for customer service excellence. You can check out these authorities as well. The Nevada Department of Insurance is another trustworthy resource to learn more.
Compare quotes
We suggest obtaining quotes from at least three companies to get an idea of how much your auto insurance may cost. MoneyGeek’s average prices are for a sample driver, so your rates may vary depending on your location, age and driving history.
Find the coverages you want in Las Vegas
Before purchasing an auto insurance policy, ensure the company offers coverages and discounts in your city. They may promote discounts and coverages without actually offering them. You can verify the coverages and deals provided by going to the insurer's regional website or by contacting them.
Check financial stability ratings
We also suggest taking a look into a company's scores on financial soundness. The financial standing determines how likely a company is to complete a claim regardless of market conditions. Larger organizations are frequently more stable financially.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Las Vegas
Your needs and driving record determine the best car insurance in Las Vegas. We answered frequently asked questions to help you make a wise decision.
About Mark Fitzpatrick
