Many factors determine the cost of car insurance, including your driving record, the type of car you drive and where you live. The average car insurance rates in Las Vegas, for example, are higher than in most other cities. Make sure you get the most for your money by screening for the best insurance deals.
Compare the Cheapest Car Insurance Quotes in Las Vegas, NV
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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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Cheap Car Insurance Companies in Las Vegas
Car insurance companies in Las Vegas have varying rates. The cheapest, widely available rates are offered by GEICO, with an average price point of $1,172 per year. The most expensive, on the other hand, is CSAA at an average of $3,398. These are both on the extreme opposite ends, as they both deviate more than $1,000 from the city average.
You should consider all of your personal factors when determining insurance costs. While car type and driving records both affect car insurance rates, it still helps to know state baseline costs. Knowing the average base cost for Nevada can help you estimate how much you will spend on car insurance in Las Vegas.
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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 a personalized quote is necessary if you want to determine which insurance plan is best for you.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Las Vegas by Coverage Amount
How much car insurance coverage you purchase in Las Vegas also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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.
There are different levels of car insurance available, ranging from state minimum coverage to comprehensive policies. Expect to pay more for the latter, of course. Differences in costs between coverage levels can vary widely for some companies.
In Las Vegas, a state minimum liability-only policy from GEICO costs around $639 per year, while upgrading to a 50/100/50 full-coverage plan will set you back around $950. Even though this is a significant cost increase, you will receive $50,000 in coverage for an individual’s injuries, with a limit of $100,000 per vehicle, as well as $50,000 in property damage. This policy also includes protections against uninsured motorists and provides coverage for your own vehicle. In other words, if you can afford it, it’s often worth it.
Average Car Insurance Premiums by Coverage Type
Liability Only
Full Coverage
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Las Vegas if You Have Tickets
Each driving offense in your record increases the cost of your car insurance premium. The differences vary depending on what company you look at, but they are often significant. For example, a GEICO customer with a clean record will pay an average of $1,172 per year, while getting even one speeding ticket will drive that cost up by around $442.
Also, expect to pay a significantly higher amount if you have a DUI or an at-fault accident. On average, car insurance companies in Las Vegas will charge you $896 more for a DUI, and you can expect to pay around $1,141 more per year for an at-fault accident.
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
Top Agents Offering Affordable Car Insurance in Las Vegas
Insurance Providers That Serve Las Vegas
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.
Shopping around for car insurance in Las Vegas could save you $1,049, which is enough to buy:
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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

About the Author
The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.