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.
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
- Company100/300/100per year
- 1.$988
- 2.$1,172
- 3.$1,575
- 4.$2,074
- 5.$2,079
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.

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
- CompanyState Minimumper year
- 1.$529
- 2.$639
- 3.$924
- 4.$1,035
- 5.$1,139
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$1,145
- 2.$1,614
- 3.$2,027
- 4.$2,228
- 5.$2,272
Average Cost of Car Insurance in Las Vegas
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.

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 Las Vegas 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.






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 CodeState 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.
About Mark Fitzpatrick
