Compare the Cheapest Car Insurance Quotes in Las Vegas, NV

Car insurance in Las Vegas costs an average of $2,221 per year, $321 more than the state average. The cheapest widely available provider is GEICO, at $1,172 per year.

To help you find the best rates, MoneyGeek ranked the cheapest insurers based on driving history and the coverage amount. If you are looking for affordable and high-quality car insurance coverage, MoneyGeek lists the best options in Las Vegas.

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Last Updated: 5/16/2022
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Car insurance rates are based on your personal profile, driving history and coverage preferences. GEICO is Las Vegas’ cheapest provider of full coverage and state minimum car insurance policies and for drivers with speeding tickets. For members of the military, USAA provides the cheapest rates.

MoneyGeek’s top-rated car insurance provider in Las Vegas is State Farm, offering affordability and outstanding service.

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The Cheapest and Best Car Insurance in Las Vegas

The Cheapest Car Insurance Companies in Las Vegas

Because a full coverage car insurance policy includes liability, comprehensive and collision coverages, it protects the driver financially in most circumstances.

MoneyGeek’s analysis reveals these companies offer the cheapest full coverage policies for an average driver in Las Vegas:

  • GEICO: $1,172 per year
  • Travelers: $1,575 per year

USAA offers an even more affordable average premium at $988 per year, but it’s only available for members of the military and their families. In fact, USAA is the cheapest car insurance provider in Las Vegas, being 243.9% less expensive than CSAA, the city’s most expensive provider.

Cheapest Car Insurance in Las Vegas
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $988
  • 2.
    GEICO
    $1,172
  • 3.
    Travelers
    $1,575
  • 4.
    State Farm
    $2,074
  • 5.
    Allstate
    $2,079
  • 6.
    Farmers
    $3,029
  • 7.
    CSAA
    $3,398

The car insurance rates in this study are for a 40-year-old male driver in Las Vegas with a full coverage policy, per MoneyGeek’s methodology.

A full coverage auto insurance policy includes comprehensive coverage, collision coverage and the state’s minimum required coverages. It offers broad financial protections in case of an accident, but it’s more costly than a minimum coverage policy.

  • Comprehensive Coverage: Pays for expenses from damages due to the weather, theft, falling objects and other losses not caused by a collision.
  • Collision Coverage: Pays for vehicle repairs if you’re in an accident.

If you have an older car, consider that a full coverage insurance policy can be more expensive than your vehicle’s actual worth. A liability-only or state minimum insurance policy may be the best choice in this case to obtain the cheapest rates possible.

Compare Car Insurance Rates in Las Vegas

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Las Vegas for Minimum Coverage

State minimum policies are Las Vegas’ cheapest car insurance offers. They don’t include comprehensive and collision coverages and so expose the driver to financial risks in the event of an accident. However, they are significantly cheaper than most other policies.

According to MoneyGeek’s research, the following insurers offer the most affordable minimum coverage policies in Las Vegas:

  • GEICO: $639 per year
  • Travelers: $924 per year

USAA has the cheapest state minimum policies for eligible military personnel in Las Vegas at an average of $529 annually. That premium is $1,249 less expensive than Farmers, the city’s most expensive state minimum provider.

To see how costs change depending on liability coverage, toggle the table below.

Cheapest Minimum Liability Car Insurance in Las Vegas
State Minimum

Nevada drivers are required by law to have a minimum coverage policy, with coverages for bodily injury liability, property damage liability, uninsured motorist bodily injury and uninsured motorist property damage.

Because a minimum coverage policy is Las Vegas’ cheapest auto insurance, you’ll see significant savings on your monthly premiums. However, due to its limited coverage, you may end up paying much more if you’re involved in an accident.

Liability insurance in Nevada only covers $25,000 for bodily injuries per person. That means if the other party’s medical expenses reach $35,000, the insurer’s obligation stops at $25,000, and you’ll be responsible for the remaining $10,000.

Nevada Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Las Vegas if You Have Driving Violations

Your car insurance premiums will increase in the event you get a speeding ticket. The same thing happens if you’re charged with a DUI, an at-fault accident or other driving violations. While you can certainly try to improve your driving history to have your rates lowered, that takes time.

For now, your best option is to compare car insurance offers to find good rates. For drivers with bad driving records, MoneyGeek’s research shows these companies provide the most affordable average car insurance policies in Las Vegas:

  • Cheapest after a ticket: GEICO, $1,614 per year
  • Cheapest after an at-fault accident: GEICO, $1,977 per year
  • Cheapest after a DUI: State Farm, $2,228 per year

Military members and their families may be eligible for coverage from USAA, which offers the cheapest auto insurance rates in Las Vegas for drivers with a speeding ticket, an at-fault accident or a DUI.

Cheapest Car Insurance in Las Vegas With a Violation
Speeding Ticket

Average Cost of Car Insurance in Las Vegas

Las Vegas$2,221
Nevada$1,900
U.S.$1,424

If you’re looking for car insurance in Las Vegas, know that rates there are more expensive than in most cities. Average car insurance rates in Las Vegas are $2,221 annually, $797 higher than the national average. Location isn't the only determining aspect of an auto insurance rate, so drivers should learn more about the other car insurance factors that affect rates.

Personalized Quotes to Get You the Cheapest Car Insurance in Las Vegas

The insurance company will build your profile once you ask for a quote. Your profile will include factors like age, driving record, credit score and driving experience. They will then base your insurance cost on your individual profile. The higher the risk they find in your profile, the more expensive your insurance will be.

Insurance plan rates vary from person to person. As such, getting personalized car insurance quotes to compare is necessary if you want to determine which insurance plan is best for you.

Compare Car Insurance Rates in Las Vegas

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Las Vegas

MoneyGeek analyzed the best car insurance providers in Las Vegas to help you find one that balances quality customer service with affordability.

Our study shows that overall the best car insurance companies in the city are:

  • State Farm: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

Based on MoneyGeek’s rating system, USAA gained the highest scores. But because it’s only available to military members, veterans and their families, USAA isn’t named the best provider in Las Vegas.

To determine the final scores out of 100, MoneyGeek used several factors, including J.D. Power ratings for customer satisfaction, affordability and insurer financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
State Farm
Score:90

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
CSAA
Score:82.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

6
Liberty Mutual
Score:82.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
American Family
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
Safeco
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Progressive
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Average Cost of Car Insurance by Postal Code

For most cities, car insurance costs also differ based on your ZIP code. This is because some neighborhoods are more prone to crimes and accidents compared to others. The more likely you are to encounter these incidents, the higher your costs become.

In Las Vegas, this difference is not as pronounced as it is in some other cities. The most expensive ZIP code in the city for car insurance (89108) is about $117 higher than the cheapest annual premium, in ZIP code 89110. A more extreme comparison is New York City, with differences amounting to almost $2,000.

  • Zip Code
    State Minimumper year
  • 89108
    $2,156
  • 89115
    $2,203
  • 89121
    $2,253
  • 89110
    $2,274

Factors That Impact Insurance Costs in Las Vegas

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Las Vegas. How Las Vegas ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities99th/300
handcuffs2 icon
Most Car Thefts253rd/300
uninsured icon
Most Uninsured Motorists by State29th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall303rd/300
umbrella icon
Most Rainy Days298th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Las Vegas are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.