Cheapest and Best Car Insurance in North Las Vegas, NV (August 2024)

In North Las Vegas, Nevada, Country Financial offers the most affordable full coverage while Nationwide is the most economical for families with teens, diverging from the cheapest minimum coverage provider, Country Financial. The best customer service is provided by Capital Insurance Group, which also ranks as the best overall, indicating it offers supreme value across price and service. Yet, the optimal choice for an auto insurance varies based on individual preferences and coverage needs.

MoneyGeek recommends the following insurers in North Las Vegas for the most affordable minimum coverage insurance:

• Country Financial: $575 per year
• Nationwide: $661 per year

While Country Financial offers the most affordable policy, Dairyland has the most expensive minimum coverage policy in North Las Vegas, with an annual premium of $2,697. The stark price difference, which is $2,122 between the cheapest and most expensive, underscores the significance of comparing car insurance rates to ensure you're getting the best deal.

In Nevada's bustling cities, such as North Las Vegas, motorists must adhere to state-dictated car insurance minimums to drive legally. Required coverages include:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $20,000 property damage liability per accident

Consider a scenario where your policy covers the minimum $25,000 for bodily injury per individual: If an accident causes $30,000 in injury to one person, your insurance would cover up to $25,000, leaving you responsible for the remaining $5,000.

The following companies offer the cheapest full coverage car insurance in North Las Vegas:

• Country Financial: $1,034 per year
• Mercury: $1,160 per year

Dairyland has the most expensive full coverage policy at $5,478 annually, which is a significant $4,444 more than Country Financial. Full coverage is pricier than minimum coverage due to its comprehensive protection.

Full coverage policies extend beyond increased liability limits, encompassing both comprehensive and collision insurance.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, opt for a full coverage insurance as a measure to protect the financial value of your automobile. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

Conversely, with older models, the cost of this additional coverage may surpass the benefits, often amounting to several hundred dollars more. It is crucial to evaluate how much car insurance you need, considering that more comprehensive policies come with higher premiums, while less coverage could potentially leave you inadequately insured.

MoneyGeek found that Country Financial offers the most affordable rates for drivers with bad driving records, seeking full coverage insurance in North Las Vegas.

• Speeding Ticket: Country Financial ($1,307 per year)
• At-Fault accident: Country Financial ($1,480 per year)
• DUI: Country Financial ($1,820 per year)

Dairyland has the highest rates for these incidents. The price difference between the lowest premiums after a speeding ticket and a DUI with Country Financial is significant, at $513.

Insurance rates in North Las Vegas, as in many cities, escalate with the severity of a driving offense due to the increased risk posed to the insurer. Those with a DUI may pay an annual premium of approximately $4,490, while drivers cited for speeding could face around $3,625.

The following companies offers the best options in North Las Vegas for families seeking the cheapest car insurance for teens:

• Nationwide: $2,795 per year for female teens and $3,010 per year for male teens
• State Farm: $3,727 per year for female teens and $4,654 per year for male teens

These rates reflect the combined cost to cover a policy for two parents and a teenage driver. The most expensive teen family policy is offered by Kemper, costing $7,426 for female teens — a significant difference that highlights the importance of comparing options to find the best rates for your family, particularly with high-risk teenage drivers.

In North Las Vegas, it's economical for teens to join a family plan at $5,796. Individual policy runs an average of $12,093 annually. The considerable disparity comes from the inherent risk insurers associate with inexperienced, teenage drivers.

Below are the two top providers for the most affordable full coverage car insurance to those with military backgrounds in North Las Vegas:

• Country Financial: $1,034 per year
• Mercury: $1,160 per year

Although USAA does not make the top of the list with an annual premium of $1,483, it is noteworthy for its tailored services to the requirements of active-duty military members.

It takes time and effort to manually compare rates online. You'll have to input a lot of personal data for each estimate — a process that takes 15 minutes or longer.

MoneyGeek's car insurance calculator streamlines this process. By entering key information such as age, driving history, credit score and coverage preferences, you will receive tailored rate estimates promptly.

Selecting the best auto insurance for you depends on how you prioritize factors like service quality, cost, coverage options and other personal considerations. In North Las Vegas, Capital Insurance Group leads in all categories and has top MoneyGeek scores.

• Best overall: 91 out of 100
• Best for service: 88 out of 100
• Best cheap: 92 out of 100

With the highest scores across all categories, Capital Insurance Group is the most recommended choice for a balanced auto insurance experience without compromising on service or budget considerations.

MoneyGeek found the following companies as the overall best car insurance in North Las Vegas:

• Capital Insurance Group: MoneyGeek score of 92 out of 100 ($1288 per year)
• American Family: MoneyGeek score of 83 out of 100 ($1939 per year)

Capital Insurance Group stands out primarily because of its exceptional satisfaction and affordability scores, which are the most significant contributors to its comprehensive MoneyGeek score for a full coverage policy. These factors play a key role in ensuring that customers receive high-quality service at a reasonable price.

MoneyGeek found that the following companies excel in top-notch customer service:

• Capital Insurance Group: MoneyGeek score of 88 out of 100 ($1,288 per year)
• American Family: MoneyGeek score of 83 out of 100 ($1,940 per year)

Capital Insurance Group distinguishes itself primarily through exceptional customer satisfaction and robust claims service, contributing significantly to its top MoneyGeek score. Drivers who prioritize a seamless insurance experience above cost considerations will find Capital Insurance Group's offerings particularly compelling.

MoneyGeek found that the following companies are the best options for cheap car insurance in North Las Vegas:

• Capital Insurance Group: MoneyGeek score of 91 out of 100 ($689 per year)
• Mercury: MoneyGeek score of 81 out of 100 ($837 per year)

Capital Insurance Group reflects a balanced blend of value, reliability and customer satisfaction. The score confirms that top-notch service need not come at an exorbitant price, a crucial consideration for drivers seeking financial savviness without compromising on quality.

In North Las Vegas, the average car insurance cost is $2,330. This figure is higher than the average car insurance cost in Nevada, which is $1,966. The state's average also exceeds the national car insurance cost of $1,781 by $185.

Car insurance premiums are determined by various factors, with location being a significant one. Insurers consider the rate of accidents, thefts and vandalism in an area which can directly influence the cost of insurance. For example, Sunrise Manor has the most expensive car insurance premium at $2,537, whereas Sparks boasts the cheapest at $1,338. The stark difference of $1,199 between these two cities shows the impact of location. Areas with less traffic density, often non-urban, might see even lower rates.