Cheapest Car Insurance in Las Vegas (2026)

Las Vegas drivers can secure minimum liability coverage for just $92 monthly through Travelers, while COUNTRY Financial has the city's most affordable full coverage at $164 per month or $1,962 annually. These premiums apply to drivers with clean records. Since age and driving history play major roles in determining which provider gives you the lowest premium, requesting quotes from multiple carriers reveals your best available rate.

Las Vegas drivers pay about $98 per month for minimum coverage and $237 per month for full coverage. These amounts are higher than Nevada’s statewide averages of $46 per month for minimum coverage and $113 for full coverage. 

Costs trend higher in Las Vegas because of heavier traffic, more frequent accidents and higher vehicle theft rates in urban areas. Checking rates from several insurers can help drivers find lower-priced options.

Read More: The cheapest car insurance in Nevada

Young drivers in Las Vegas pay the highest insurance rates, with an average of $437 per month across the five cheapest insurers. Adult drivers average $198 per month, while seniors pay about $250 monthly. The gap comes from limited driving experience and higher accident rates among younger drivers, which places them in a higher risk category for insurers.

Cheapest Las Vegas car insurance by age:

• Young drivers: COUNTRY Financial at $300 per month
• Adult drivers: COUNTRY Financial at $164 per month
• Senior drivers: COUNTRY Financial at $202 per month

Once drivers establish experience, age matters less for pricing. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young drivers ages 16 to 25 pay the highest car insurance rates in Las Vegas, as insurers link limited driving experience to higher accident risk. COUNTRY Financial offers the lowest full coverage option at $300 per month or $3,597 per year. Among the five cheapest insurers in the city, the average monthly cost reaches $437 for young drivers, compared with $198 for adults, putting youth rates at more than twice the adult average.

Comparing options across insurers can lower costs by about $266 per month when choosing COUNTRY Financial instead of GEICO at $566 monthly. Adding a young driver to a family policy often costs less than buying a separate policy, though premiums tend to remain higher until age 25.

Note: Teen drivers under 18 may have additional legal requirements and restrictions that vary by state.

Las Vegas seniors usually maintain clean driving records and benefit from decades of experience behind the wheel, helping them secure competitive rates like COUNTRY Financial's $202 monthly or $2,428 annually for full coverage. While most insurers recognize this experience with favorable pricing, some may adjust rates slightly for drivers over 70 due to reaction time considerations. 

Across the five most affordable options, seniors in the city average $250 monthly, which is just $52 above the $198 that younger adults pay. By choosing COUNTRY Financial instead of State Farm at $314 monthly, Las Vegas seniors pocket $112 in monthly savings. Seniors can unlock even more savings through defensive driving courses or by keeping their annual mileage under 7,500 miles.

Las Vegas drivers between ages 26 and 64 enjoy the most competitive insurance rates, with COUNTRY Financial leading at just $164 monthly or $1,962 annually for full coverage. Insurers favor this age group because they've accumulated years of driving experience while maintaining statistically lower accident rates than both younger and older drivers. 

Across the city's five most affordable insurers, adults average $198 monthly, the lowest of any age category. Choosing COUNTRY Financial over State Farm at $259 monthly puts $95 back in adults' pockets each month. Clean driving records, policy bundling and good driver discounts create even more opportunities to slash premiums.

Travelers offers the lowest minimum liability rates in Las Vegas across driver categories, with monthly costs of $92 for clean records, $114 after a speeding ticket and $131 following a DUI. Violations raise costs citywide, with average monthly rates among the five cheapest insurers increasing from $108 for clean drivers to $134 for speeding tickets, $152 for at-fault accidents and $152 for DUIs. 

These increases reflect how insurers adjust pricing based on perceived risk.

DUIs bring the largest jumps because they involve serious offenses and legal requirements, including SR-22 filings for license reinstatement. 

At-fault accidents also raise premiums since they confirm damage or injury responsibility. Speeding tickets tend to cause smaller increases, as they point to risky behavior without a recorded crash.

The lowest minimum coverage rate in Las Vegas appears in ZIP code 89166 at $87 per month, while ZIP code 89104 has the highest rate at $350. These differences show how location within the city can affect car insurance costs. You can find your ZIP code’s rate in the table below.

Las Vegas’s most populated ZIP codes include 89110, with a minimum coverage rate of $337 per month. Rates vary across neighborhoods based on factors such as accident frequency, vehicle theft, population density and the share of uninsured drivers.

Use the filter above the table to find your ZIP code and see the average rate for your area.

Here are practical ways Las Vegas drivers can lower car insurance costs while still keeping the coverage they need.

Want to find affordable coverage in Las Vegas? This FAQ offers clear answers about available discounts, state regulations and policy options to help you secure coverage that works for your budget.

Las Vegas drivers pay some of Nevada's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for  Las Vegas's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.