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Average Cost of Car Insurance in Las Vegas

Las Vegas$2,221

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.

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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.

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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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.

Visit these guides to learn more:

Nevada Minimum Liability Requirements

  • Item
  • 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
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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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
  • $1,614
  • $2,228
  • $2,027
  • $2,272
  • $3,998
  • 7. CSAA

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
  • 89115
  • 89121
  • 89110
iconribbontop ratedCar Insurance agentsLas Vegas2021

Top Agents Offering Affordable Car Insurance in Las Vegas

1. All Kinds of Insurance5532 S Fort Apache Rd, Ste 100, Las Vegas, NV, 89148
138 ratings
2. AssuredPartners Safeguard Insurance375 E Warm Springs Rd, Ste 201, Las Vegas, NV, 89119
33 ratings
3. Ulyanna Chung - State Farm Insurance Agent4730 W Blue Diamond Rd, Ste 125, Las Vegas, NV, 89139
26 ratings
4. Valerio Tax Services & Insurance4583 W Desert Inn Rd, Las Vegas, NV, 89102
20 ratings
5. Allstate Insurance: Thomas Finch7766 W Sahara Ave, Las Vegas, NV, 89117
12 ratings

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
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Most Annual Rainfall303rd/300
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Most Rainy Days298th/300

Shopping around for car insurance in Las Vegas could save you $1,049, which is enough to buy:

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350Cups of Coffee
81Months of Your Favorite Streaming Service

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.

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.

Insurance Rates

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.