Best Car Insurance Companies in Las Vegas, NV

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.