BestCar InsuranceLas VegasThe Best Car Insurance in Las Vegas, NV, for 2023
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The Top Car Insurance Companies in Nevada
Insurance Carrier
Avg. Estimated
Annual Premium
GEICO is the best auto insurance company in Las Vegas. However, since you may have a different profile and coverage needs, other companies may best match your requirements. MoneyGeek listed the best insurers for full and minimum coverage, young and senior drivers, drivers with violations and drivers with a military background. We also listed the cheapest car insurance in Las Vegas for those hoping to get maximum savings.
BestCar InsuranceLas VegasThe Best Car Insurance in Las Vegas
Overall - GEICO
Minimum Coverage - GEICO
Young Drivers - GEICO
Senior Drivers - GEICO
Driving Violations - GEICO
Military - USAA
Best Car Insurance Companies in Las Vegas: Overall
MoneyGeek reviewed the best car insurance providers in Las Vegas based on a combination of average rates, claims and customer satisfaction. The top car insurers in Las Vegas with the highest scores are:
- GEICO: 87 out of 100
- State Farm: 75 out of 100
Both GEICO and State Farm exhibit a good balance of affordability and customer service for most drivers in Las Vegas, Nevada.
The Top Car Insurance Companies in Las Vegas
1
GEICOOverall
Score:85
GEICO earned high satisfaction, claims and affordability scores. The annual average cost of policies from GEICO is $1,172. GEICO offers four coverages. Mechanical Breakdown Insurance is one of its unique coverage.
More About GEICO
GEICO lets you add a Mechanical Breakdown Insurance, optional coverage for all parts and systems. This covers costs of repairs when you need to replace parts of your vehicle or encounter mechanical breakdowns similar to a typical extended warranty but a lot cheaper. Coverage applies to new or leased cars that are not more than 15 months old or have not traveled more than 15,000 miles.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:81
State Farm earned a perfect score on satisfaction and a high score on claims but a low score on affordability. On average, policies from State Farm cost $2,074 annually. It offers unique rideshare insurance coverage.
More About State Farm
Rideshare drivers in Las Vegas may benefit from State Farm’s Rideshare Insurance coverage. This type of optional coverage protects drivers working in a rideshare company. All coverages in their auto insurance policy, except for liability insurance, are put in effect as long as the app is on and they are available for hire.
Read MoneyGeek's State Farm auto Insurance ReviewRESOURCES ON CAR INSURANCE IN LAS VEGAS, NEVADA
MoneyGeek analyzed quotes from various insurers to help drivers find the cheapest car insurance in Las Vegas. Drivers in Nevada can also refer to the following resources for other options.
Best Cheap Car Insurance for Minimum Coverage in Las Vegas
MoneyGeek scored the best companies for drivers looking to save money on car insurance. Las Vegas drivers looking for the cheapest coverage should look for a policy that at least meets Nevada state’s minimum car insurance limits. The top car insurance companies in Las Vegas for minimum coverage are:
- GEICO: 87 out of 100
- Allstate: 71 out of 100
MoneyGeek’s rankings take into account a variety of factors when finding the best insurers in Las Vegas for minimum coverage. This includes a blend of driver profiles, including young and senior drivers and those with traffic offenses.
MoneyGeek’s Pick: GEICO
pros
A minimum coverage policy costs $639 per year
Offers various discounts, including insuring multiple cars, installing anti-lock brakes, anti-theft systems and daytime running lights
MoneyGeek claims rating of 4 out of 5
MoneyGeek satisfaction rating of 4 out of 5
cons
No discounts when you pay in full or opt for paperless billing
COMPANY HIGHLIGHTS
GEICO has various discount offers that can help Las Vegas drivers save. Drivers planning to get other insurance products may consider buying from the same insurer to get bundling discounts. Las Vegas drivers may also save more by insuring multiple cars from the same insurer. Install anti-lock brakes, anti-theft systems and airbags to get more savings.
Aside from the above discounts, GEICO offers rare discounts, including installing daytime running lights and using seatbelts at all times. It also has some rare discount offers for teachers, militaries, federal employees and partner alumni.
Best Car Insurance for Young Drivers in Las Vegas
Based on a blend of different policy coverages and driving histories for 18-year-old drivers, MoneyGeek analyzed quotes to find the best car insurance in Las Vegas for young drivers. The top insurers with the highest scores based on our rankings are:
- GEICO: 88 out of 100
- State Farm: 81 out of 100
Because of the added risk, providers often charge higher rates to inexperienced drivers. Car insurance for teen drivers and car insurance for student drivers is usually more expensive than the average 40-year-old driver.
MoneyGeek’s Pick: GEICO
pros
An annual full coverage policy for young drivers with a clean record costs $2,100
Good student and driver’s education discounts
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
cons
No discount for distant student
COMPANY HIGHLIGHTS
Adding young drivers to a policy can be expensive, but GEICO helps young drivers save from expensive premiums by offering student discounts. This insurer also ensures excellent customer service in accidents or roadside emergencies.
Full-time students who keep a good academic record and those who completed a driver’s education and defensive driving course can get discounts from GEICO. GEICO also offers accident forgiveness as optional coverage. This prevents car insurance rates from going up after a first at-fault accident.
Best Car Insurance for Senior Drivers in Las Vegas
MoneyGeek scored the best companies based only on profiles of senior drivers looking for car insurance in Las Vegas. Drivers aged 70 and older should consider the following companies as they rank as the best car insurance providers in the city for senior drivers.
- GEICO: 83 out of 100
- State Farm: 79 out of 100
Senior drivers’ car insurance is typically more expensive than that of middle-aged drivers. Shopping around may help drivers save and find an ideal balance of affordability and quality.
MoneyGeek’s Pick: GEICO
pros
An affordable full coverage policy for responsible senior drivers costs $1,435 per year
Discounts on Defensive Driving
Senior driver discounts
MoneyGeek claims rating score of 4 out of 5
MoneyGeek user satisfaction score of 4 out of 5
cons
No discounts when you pay in full or opt for paperless billing
COMPANY HIGHLIGHTS
While there is no difference between senior car insurance policies and other car insurance policies, some insurers may charge more. Because senior drivers often see higher car insurance rates, it helps to shop around for different car insurance providers that could offer lower rates for senior drivers.
Seniors over 50 may qualify for auto insurance discounts from GEICO. Aside from this, they may also get more savings from completing a defensive driving course or wearing a seat belt all the time. GEICO offers many of the most common coverages and less common ones, including mechanical breakdown insurance, which protects your car from system and mechanical damage.
Best Car Insurance With a Driving Violation in Las Vegas
MoneyGeek scored the best companies based only on profiles of drivers with an at-fault accident on their record in Las Vegas. Drivers with violations should consider the following companies with the best policies after a driving violation:
- GEICO: 83 out of 100
- State Farm: 82 out of 100
The above scores are based on a variety of policy coverages and ages, with a focus on driver profiles with an at-fault accident. Since car insurance rates immediately increase after a violation, it helps to consider companies like GEICO and State Farm that provide cheap car insurance for drivers with a bad driving record.
MoneyGeek’s Pick: GEICO
pros
An affordable full coverage policy for a 40-year-old driver with an accident on their record costs $1,977 per year
Offer seven out of nine common discounts
MoneyGeek claims rating score of 4 out of 5
MoneyGeek satisfaction score of 4 out of 5
cons
No better car or new car replacement discounts
COMPANY HIGHLIGHTS
Seven out of nine common discounts are offered by GEICO, which ensures that drivers can save on their premiums even after an accident record. This includes bundling, multiple car, an anti-theft system and defensive driving.
It also offers optional coverages that may be useful during and after an accident. This includes roadside assistance which pays for flat tires, towing, jump starts and lockout services. Rental car reimbursement pays up to a preset amount if your car isn’t drivable after a covered accident.
Best Car Insurance With a Military Background in Las Vegas
In Las Vegas, like many other cities in Nevada and in other states, USAA is the best car insurance for military members.
Earning a perfect 100 out of 100 scores based on MoneyGeek’s internal rankings, USAA policies for Las Vegas drivers exhibit the best balance of affordability and customer satisfaction. MoneyGeeks ratings are based on different driver backgrounds and coverage levels, including young and older drivers and those with violations.
However, because USAA is only limited to former and active military members and their families, MoneyGeek excludes this insurer in most rankings.
MoneyGeek’s Pick: USAA
pros
An affordable full coverage policy costs $988 per year for a 40-year-old driver.
Offers five of the most common discounts, including safe driving, defensive driving and multiple cars
MoneyGeek claims rating of 5 out of 5
MoneyGeek user satisfaction rating of 5 out of 5
cons
USAA only offers three of the seven often-featured coverages and is missing gap insurance and better car replacement
Limited to military members, veterans and their families
COMPANY HIGHLIGHTS
Las Vegas drivers with a military background may find USAA as the best insurance provider in the city. USAA consistently ranks as one of the top insurance providers across various rankings, showing impressive scores on affordability and service ratings. Standard coverage offerings from USAA include roadside assistance, rental car and/or travel reimbursement and accident forgiveness. However, it doesn’t offer much else outside these coverage types.
USAA has five out of the nine commonly offered discounts, including bundling, multiple car, good student, safe driving and defensive driving. Sticking with USAA for a certain period also gives you additional savings.
Methodology
MoneyGeek scored car insurance companies based on quotes collected from providers in Las Vegas and evaluations made by industry leaders, including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
To determine the best car insurance in Las Vegas, Nevada, for different driver profiles, MoneyGeek applied the following weights to each assessment category:
- Affordability (70%): MoneyGeek collected different average premiums from insurers in Las Vegas and ranked them according to the cost of their policies. The provider offering the cheapest rate in the city received a perfect score.
- Customer and claims satisfaction (20%): MoneyGeek examined surveys from J.D. Power to measure customer satisfaction with each insurance provider based on service and claims. Each sub-category was weighted at 10%.
- Financial stability (10%): MoneyGeek used AM Best ratings to estimate an insurance company’s ability to fulfill financial obligations despite economic variability.
MoneyGeek scaled each category's score to five points and then scaled the overall score to 100 points. We calculated the overall affordability score using numerous factors — including age, driving record and coverage levels — changed as necessary to focus on specific driver profiles.
Other than the best cheap minimum coverage category, all rates reflect the average premiums for a full coverage policy with the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
Visit MoneyGeek’s car insurance methodology for more information about our collection, comparison and scoring process.
About Mark Fitzpatrick
