According to MoneyGeek's study, GEICO is the cheapest insurance provider in North Las Vegas for full coverage plans, liability insurance and ticketed drivers. USAA, however, may be the cheapest option for military members and their families. Overall, the best car insurance company in North Las Vegas is GEICO due to its balance of affordability and excellent customer service.
The Cheapest and Best Car Insurance in North Las Vegas
The Cheapest Car Insurance Companies in North Las Vegas
On average, the following providers in North Las Vegas offer the cheapest full coverage car insurance plans:
- GEICO: $1,164 per year
- Travelers: $1,577 per year
Although USAA actually has the cheapest full coverage insurance premiums in the city, at approximately $1,045 per year, its policies are exclusively accessible to military personnel and their families.
GEICO is the cheapest insurance company in North Las Vegas for full coverage policies. CSAA, the city's most expensive insurer, quotes almost three times what GEICO does. Full coverage insurance is the priciest because it includes a variety of coverages, such as comprehensive and collision coverage. The final cost of the policy depends on the amount of coverage you select.
Cheapest Car Insurance in North Las Vegas
- Company100/300/100per year
- 1.$1,045
- 2.$1,164
- 3.$1,577
- 4.$1,878
- 5.$2,315
According to MoneyGeek's methodology, the average insurance prices used in this analysis are for a 40-year-old male driver with a full coverage insurance policy.
In addition to liability insurance, full coverage plans include the two coverages listed below, which makes full coverage more expensive:
- Collision coverage: pays you for losses incurred as a consequence of a collision
- Comprehensive coverage: pays for damages that do not occur as a result of an accident
A liability-only or state minimum insurance plan may be appropriate for an older vehicle in North Las Vegas, particularly if a full coverage policy costs more than the car's repair or replacement value.
Compare Car Insurance Rates in North Las Vegas
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in North Las Vegas for Minimum Coverage
Whether you live in North Las Vegas or elsewhere, insurers consider the amount of coverage you buy when determining your auto insurance annual premiums. A state minimum liability-only policy in North Las Vegas costs $1,171 on average. A full coverage policy costs an average of $2,194, for a difference of $1,023.
Cheapest Minimum Liability Car Insurance in North Las Vegas
- CompanyState Minimumper year
- 1.$554
- 2.$633
- 3.$939
- 4.$1,028
- 5.$1,135
Drivers in Nevada are required to carry a minimum of 25/50/20 liability insurance. Although this is the cheapest insurance option available in North Las Vegas, it provides the lowest amount of protection. If you are at fault in an accident, you could face a significant financial burden.
For instance, if the other driver incurs medical bills of $40,000 due to an accident in which you are at fault, your insurance will cover $25,000. You will have to pay the remaining $15,000 out of pocket.
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 North Las Vegas if You Have Driving Violations
Your auto insurance premiums will increase if you get a ticket in North Las Vegas for a traffic violation, whether for an at-fault accident, a DUI or speeding. Here are the city's cheapest average quotes for the most commonly committed traffic infractions:
- Cheapest after a ticket: GEICO, $1,603 per year
- Cheapest after an at-fault accident: GEICO, $1,962 per year
- Cheapest after a DUI: State Farm, $2,019 per year
In North Las Vegas, USAA offers the cheapest quotes for drivers with a speeding ticket or an at-fault accident in their record. But you can only get their policy if you’re from a military family.
Regardless of the infraction in your record, you can reduce your future insurance premiums over time by rebuilding a good driving history. In the meantime, you can compare insurance rates in North Las Vegas to get the cheapest available for drivers with bad records.
Cheapest Car Insurance in North Las Vegas With a Violation
- CompanySpeeding Ticketper year
- 1.$1,213
- 2.$1,603
- 3.$2,019
- 4.$2,032
- 5.$2,528
Average Cost of Car Insurance in North Las Vegas
The average car insurance premium in North Las Vegas is $2,194 annually, which is slightly higher than the state average and much higher than the national average rate. Drivers in North Las Vegas pay about 15.5% more than Nevada’s average rate of $1,900 per year and around 54% more than the $1,424 annual average nationwide.
Personalized Quotes to Get You the Cheapest Car Insurance in North Las Vegas
Car insurance companies in North Las Vegas give you a personalized quote based on how “risky” you are as a driver. There’s no one-size-fits-all car insurance plan, as several factors such as your location, age, gender, driving record and make and model of your vehicle need to be taken into consideration when computing your rates.
To illustrate, an 18-year-old male driver living in North Las Vegas will pay an average of $3,627 annually for his GEICO auto coverage, which is more than three times more expensive than similar coverage for a 40-year-old male driver. It’s always a prudent decision to frequently request updated quotes from at least three car insurance companies in North Las Vegas so you can get company-specific promotions and discounts as your personal situation changes over time.
Compare Car Insurance Rates in North 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 North Las Vegas
MoneyGeek compared different providers and their average rates, user satisfaction and claims ratings to determine the best car insurance companies in North Las Vegas.
Our findings show that the top auto insurance providers in the city are:
- GEICO: MoneyGeek Score of 88 out of 100
- State Farm: MoneyGeek Score of 79 out of 100
MoneyGeek excluded USAA from this analysis since the company's policies are only available to veterans, active-duty military members and family members. However, USAA scores 100 out of 100, ranking it as the best auto insurance company in Nevada for military personnel.

GEICO is the best auto insurance company in North Las Vegas due to its high scores in financial stability, customer satisfaction, claims experience and affordability. Policies can be supplemented by add-ons like mechanical breakdown insurance or accident forgiveness, with GEICO’s full coverage policies costing an average of $1,164 per year.
Mechanical breakdown insurance is a rare add-on that gives you better coverage for parts and systems and a more affordable price than the typical dealer extended warranty. However, this is only available for new or leased cars less than 15 months old and with less than 15,000 miles.
Accident forgiveness is another add-on not always offered by insurers. With it, your insurance premiums won't go up as a result of your first at-fault accident. If you're over 21 and have been accident-free for five years or more, you can earn accident forgiveness instead of purchasing it.
Read MoneyGeek's GEICO auto Insurance Review
State Farm has perfect scores in financial stability and customer satisfaction and an excellent claims score. It comes in about average in terms of affordability. For full coverage, for instance, you’ll pay approximately $1,878 per year. The insurer does not have any rare add-ons, although it does offer rideshare insurance that other insurance companies only occasionally make available.
Drivers working for a ridesharing company may wish to consider State Farm’s rideshare insurance add-on. It helps bridge the gap between your personal auto insurance policy and rideshare insurance policy, keeping your personal policy coverages in effect when your app is on and you’re available for hire. Even after you match with a rider or are transporting one, all coverages, except liability insurance, remain.
State Farm also offers standard add-on coverages, including roadside assistance and rental car or travel reimbursement.
Read MoneyGeek's State Farm auto Insurance Review



Average Cost of Car Insurance by Postal Code
How much you pay for your car insurance plan depends on which region of the city you live in, as different neighborhoods in North Las Vegas have different risks associated with them. Out of the three ZIP codes in the city, drivers living in ZIP code 89031 enjoy the most affordable rates for auto coverage, as they will pay an average of $315 less per year than policyholders who live in ZIP code 89030.
- Zip CodeState Minimumper year
- 89031$2,043
- 89032$2,181
- 89030$2,358
Factors That Impact Insurance Costs in North 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 North Las Vegas. How North 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
