- Cheapest Full Coverage: COUNTRY Financial at $164/month
- Cheapest Minimum Coverage: Travelers at $92/month
- Cheapest for Teens, Young Adults & Families (16-25): COUNTRY Financial at $300 per month
- Cheapest for Drivers With a DUI: Travelers at $131/month
- Cheapest for Drivers with an At-Fault Accident: Travelers at $122/month
- Cheapest for Drivers with a Speeding Ticket: Travelers at $114/month
Cheapest Car Insurance in Las Vegas, NV (2026)
Updated: September 24, 2026
Advertising & Editorial Disclosure
Cheapest Las Vegas Car Insurance by Coverage Type
Travelers offers the cheapest minimum coverage in Las Vegas, with an average monthly rate of $92. COUNTRY Financial follows at $99 per month, a $7 difference.
COUNTRY Financial is the cheapest full-coverage company in Las Vegas, at an average of $164 per month. Travelers comes next at $165 per month, only a dollar difference. Drivers with full coverage file claims directly against their own policy, and Travelers has the highest overall score (97 out of 100) among the Las Vegas carriers reviewed. At a $1 monthly difference, the higher score comes with access to independent agents, an online quote system, website policy management features, and 24/7 availability for claims reporting through phone or mobile app.
Your age and ZIP code in Las Vegas affect your car insurance premiums, so get quotes based on your age and exact address before committing to a carrier.
$92 | $165 | -32% | |
$99 | $164 | -31% | |
$99 | $212 | -18% | |
$121 | $259 | 0% | |
$132 | $190 | -15% |
Cheapest Las Vegas Car Insurance by Age
- Teens and Young drivers: COUNTRY Financial at $300 per month
- Adult drivers: COUNTRY Financial at $164 per month
- Senior drivers: COUNTRY Financial at $202 per month
Cheapest Car Insurance in Las Vegas for Young Drivers
COUNTRY Financial has the cheapest car insurance in Las Vegas for young drivers aged 16 to 25. Its average monthly rate fo $300 for full coverage is $66 less than Travelers’ ($366). Parents who already have a Travelers policy would save $800 per year if they switch to COUNTRY Financial.
COUNTRY Financial is an agent-based carrier; Travelers has broader digital claims tools. If you’re worried about your teen needing to file a claim, local agent access can mean a faster and more guided resolution when an accident happens.
For adult drivers in Las Vegas, COUNTRY Financial also wins in terms of affordability ($164 per month for full coverage). Your teen won’t need to switch carriers if the main concern is price. But you should still get new quotes once the child turns 25, as most insurers drop car insurance rates at that age: a $136 drop a month for a COUNTRY Financial full coverage policy.
$300 | $3,597 | |
$366 | $4,397 | |
$387 | $4,639 | |
$564 | $6,770 | |
$566 | $6,797 |
Cheapest Car Insurance in Las Vegas for Senior Drivers
For senior drivers, COUNTRY Financial charges the lowest full coverage rates in Las Vegas. Those 65 and older pay an average of $202 per month. Travelers is the second cheapest at $230, $28 more than COUNTRY Financial.
Seniors who don't check for new quotes before renewal miss out on up to $1,338 a year in savings. That's the difference between COUNTRY Financial at $2,428 annually and State Farm at $3,766 (the most expensive) for the same full coverage in Las Vegas.
Nevada requires auto insurers to offer a discount for completing a state-approved defensive driving course. Senior drivers qualify. GEICO, for instance, applies a 10% discount on liability and collision coverage after course completion: at $249 a month for seniors, that's about $25 off per month or $300 a year. COUNTRY Financial also offers a discount, but doesn’t advertise how much. Check with your carrier before enrolling; the percentage differs by insurer.
$202 | $2,428 | |
$230 | $2,766 | |
$249 | $2,992 | |
$255 | $3,058 | |
$314 | $3,766 |
Cheapest High-Risk Car Insurance in Las Vegas
Travelers has the cheapest car insurance for drivers with violations, ranking first across all three violation types. After a speeding ticket, Travelers charges $114 a month for minimum coverage. After an at-fault accident, it's $122. A DUI raises Travelers' rate to $131 a month; Nevada requires SR-22 filing for three years, so compare new quotes 30 days before that requirement ends to get your clean-record rate.
Shopping around still matters: the price gap between Travelers at $131 and Mercury Insurance at $170 for a DUI is $39 a month, or $468 a year.
Speeding Ticket | Travelers | $114 | $1,369 |
At-Fault Accident | Travelers | $122 | $1,460 |
DUI | Travelers | $131 | $1,573 |
How Much Do Las Vegas Rates Go Up After a Violation?
A DUI produces the largest surcharge in Las Vegas, adding anywhere from +9% at State Farm (from $121 to $132) to +129% at GEICO (From $99 to $227). An at-fault accident results in the widest price range in Las Vegas, from $122 a month at Travelers to $317 at Mercury Insurance, a $195 gap for the same minimum coverage.
State Farm raises rates just 9% for a DUI, from $121 to $132 a month. That's the most forgiving DUI surcharge among Las Vegas carriers and $99 less than Mercury's $291. State Farm is also among the most forgiving for speeding tickets, adding just $11 a month.
With a clean record, the price gap between the cheapest (Travelers at $92) and most expensive (Allstate at $188) carriers is $96 a month. After an at-fault accident, that same comparison ranges from Travelers at $122 to Mercury Insurance at $317, a $195 gap. Shopping after a violation saves more than twice as much as buying with a clean record.
Travelers | $92 | $114 (+24%) | $122 (+33%) | $131 (+42%) |
GEICO | $99 | $148 (+49%) | $172 (+74%) | $227 (+129%) |
Country Financial | $99 | $119 (+20%) | $135 (+36%) | $137 (+38%) |
State Farm | $121 | $132 (+9%) | $143 (+18%) | $132 (+9%) |
Progressive | $131 | $160 (+22%) | $191 (+46%) | $174 (+33%) |
American Family | $132 | $156 (+18%) | $202 (+53%) | $186 (+41%) |
Mercury Insurance | $143 | $222 (+55%) | $317 (+122%) | $291 (+103%) |
Farmers | $149 | $183 (+23%) | $232 (+56%) | $240 (+61%) |
AAA | $174 | $216 (+24%) | $261 (+50%) | $228 (+31%) |
Allstate | $188 | $207 (+10%) | $238 (+27%) | $248 (+32%) |
How Much Does Car Insurance Cost in Las Vegas?
Las Vegas drivers pay an average of $126 a month for minimum coverage and $236 a month for full coverage. Both are higher than Nevada's averages of $46 per month for minimum coverage and $113 for full coverage.
Young drivers in Las Vegas pay the highest rates, with an average of $437 per month for full coverage across the five cheapest carriers in the city.
Las Vegas full coverage costs $117 above the Nevada average. At that premium level, choosing Travelers at $165 over the city average saves $71 a month, or $852 a year. That’s a larger dollar return from shopping than drivers in most Nevada cities see.
Minimum Coverage | $126 | $62 |
Full Coverage | $236 | $119 |
Your Next Step:
Get your real quotes from trusted insurance providers.
Las Vegas Car Insurance Costs by ZIP Code
ZIP code 89166 has the lowest minimum coverage rate in Las Vegas at $87 a month, and 89104 has the highest at $192. That’s more than 2x cost difference. Full coverage prices in the city range from $167 in 89166 to $350 in 89104, more than double.
Among the city's most populated ZIP codes, people who live in 89108 pay $109 a month for minimum coverage, 89117 pay $106, 89123 pay $160 and 89110 pay $185. Drivers in 89110 pay $96 more a month than drivers in 89108, a $1,152 annual difference between two of the city's most populated ZIPs.
Accident frequency and vehicle theft rates in the urban core drive the east-to-west rate pattern across the city's neighborhoods.
89101 | $116 | $224 |
89102 | $115 | $221 |
89104 | $192 | $350 |
89106 | $120 | $230 |
89107 | $114 | $219 |
89108 | $109 | $210 |
89110 | $185 | $337 |
89113 | $170 | $308 |
89117 | $106 | $204 |
89123 | $160 | $287 |
89124 | $88 | $169 |
89128 | $168 | $301 |
89129 | $96 | $184 |
89130 | $99 | $191 |
89131 | $95 | $183 |
89134 | $158 | $282 |
89138 | $93 | $177 |
89141 | $162 | $292 |
89143 | $91 | $175 |
89144 | $158 | $282 |
89145 | $106 | $203 |
89146 | $186 | $335 |
89148 | $168 | $304 |
89149 | $92 | $177 |
89158 | $110 | $212 |
89161 | $99 | $188 |
89165 | $97 | $186 |
89166 | $87 | $167 |
89169 | $177 | $323 |
89179 | $99 | $191 |
89199 | $101 | $193 |
How to Get Cheap Car Insurance in Las Vegas
In Las Vegas, drivers save the most if they switch carriers. The difference between the cheapest (COUNTRY Financial) and most expensive (State Farm) is $95 a month. Updating your ZIP code at renewal and matching your coverage level to your vehicle's value are the next two biggest levers.
- 1Compare quotes and save up to $95 a month.
COUNTRY Financial charges $164 a month for full coverage in Las Vegas. State Farm prices the same coverage type at $259. That’s a $95 monthly gap or $1,140 a year for identical coverage. For minimum coverage, Travelers charges $92 while Allstate averages $188, a $96 difference. Get quotes from multiple carriers before renewing. Don't assume your current carrier is still the cheapest.
- 2Match coverage to your vehicle value to save $110 monthly.
Las Vegas's city average for full coverage is $236 a month. The average for minimum coverage is $126. If your vehicle's market value is low enough that you wouldn't file a collision or comprehensive claim after an accident, drop to minimum coverage to save $110 a month on average. But don't drop full coverage on a financed or leased vehicle because lenders require it.
- 3Get quotes for your specific ZIP code at renewal for a possible $105 monthly savings.
Minimum coverage ranges from $87 a month in ZIP code 89166 to $192 in 89104. That $105 gap is driven by your registered address alone. If you've moved recently without updating your insurer about your new address, you could be paying the wrong rate until your policy renews. Update your address before your next renewal date, not after.
- 4Complete a defensive driver course (drivers 55+).
Nevada law requires auto insurers to offer a discount for completing a state-approved defensive driving course. For instance, GEICO applies a 10% discount on liability and collision coverage; for seniors paying $249 a month, that's $25 off per month or $300 a year. Confirm the percentage with your specific carrier before enrolling, since it differs by insurer. The certificate is good for three years and the discount must appear in your quote before you bind.
- 5Shop 30 days before a violation drops off and save $22 to $39 a month.
At Travelers, a DUI adds $39 a month above the $92 clean-record rate. An at-fault accident adds $30 a month. A speeding ticket adds $22. Start getting quotes 30 days before your violation's surcharge period ends. Nevada requires SR-22 filing for three years after a DUI; shop around as that window closes to lock in your clean-record rate.
- 6Bundle home and auto and get up to 20% discount.
If you’re a Las Vegas homeowner looking to save money while keeping both home and auto insurance, look for a home and auto bundle discount. State Farm has the largest discount at 20%. American Family (13%), Allstate (13%) and Farmers (18%) also offer this discount.
A bigger discount doesn't always produce a lower total bill. Compare both the discount percentage and the bundled premium before committing. The discount isn't applied automatically; you must enroll to get it.
- 7Consider non-owner coverage if you borrow a car often.
Coverage follows you as the driver, not the vehicle. Those who don't own a vehicle but borrow cars frequently or rent cars often should consider non-owner car insurance for coverage. Las Vegas drivers who need to file an SR-22 without owning a vehicle can get non-owner SR-22 insurance in Nevada as well.
Cheap Las Vegas Car Insurance: FAQ
COUNTRY Financial offers the cheapest full coverage in Las Vegas at $164 monthly. Travelers offers the lowest minimum coverage at $92 per month. Rates vary by driving history and profile. Compare quotes to find the best price.
Travelers ranks first among Las Vegas car insurance providers with a MoneyGeek score of 97 out of 100. It outpaces GEICO by 10 points. The company performs well in both affordability and customer experience.
In Las Vegas, minimum-coverage insurance costs $126 per month. Full-coverage premiums cost $236 per month. Actual rates depend on your driving record, age and other personal details.
Yes, Las Vegas car insurance costs are high, with the city having the highest average car insurance in Nevada. Las Vegas drivers pay $46 more per month for minimum coverage and $113 more for full coverage compared to state averages.
How We Figured Out the Cheapest Car Insurance in Las Vegas, NV
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.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- GEICO. "Find Defensive Driving Discounts & Courses by State." Accessed September 5, 2026.
- Las Vegas Metro Police Department. "Property Crime 2025." Accessed September 5, 2026.
- Nevada Legislature. "NRS 690B.029." Accessed September 5, 2026.
- Nevada Office of Traffic Safety . "2025 State Fatal Report." Accessed September 5, 2026.