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Average Cost of Car Insurance in North Las Vegas

North Las Vegas$2,194
Nevada$1,900
U.S.$1,424

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.

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The Best Cheap Car Insurance Companies in North Las Vegas

Of the seven car insurance companies in North Las Vegas, USAA tops the list as the most affordable provider in the city. However, USAA’s car insurance coverage is limited to members of the military and their families, so for most people, the cheapest option is GEICO. The most expensive car insurance company in the city is CSAA — a CSAA policy costs nearly three times as much as similar coverage with GEICO.

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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.

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Cheapest Car Insurance in North Las Vegas by Coverage Amount

How much car insurance coverage you purchase in North 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

  • Item
    Description
  • 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.

The higher the limit of your car insurance coverage, the costlier it will be. For instance, the state minimum requirement for auto coverage in Nevada is 25/50/20. In North Las Vegas, Travelers offers both a 25/50/20 liability-only policy and also a 50/100/50 full-coverage plan. With an average premium of $939 per year, Travelers’ 25/50/20 liability-only policy covers $25,000 worth of medical bills per person, totaling $50,000 per vehicle, along with a $20,000 limit for property damage repair.

Travelers' 50/100/50 full-coverage plan costs about $522 more than the 25/50/20 liability-only policy, but it also covers your own expenses. A 50/100/50 full-coverage plan also has higher limits of auto insurance coverage: up to $50,000 worth of bodily injury liability for one person, with a total of $100,000 per vehicle, along with a $50,000 limit for property damage.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in North Las Vegas if You Have Tickets

Paying a citation is not the only disadvantage of having a less-than-clean driving record, as having a speeding ticket or other moving violations on your record will affect your car insurance rates in North Las Vegas. Drivers in this city will pay an average of $141 more for State Farm auto coverage if they have a speeding ticket on their record.

Another violation that can increase your car insurance premium is aDUI. GEICO policyholders with a clean record will pay an average of $1,664 less for their policy compared to drivers with a DUI conviction.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $1,213
    $1,447
    $2,157
  • $1,603
    $1,962
    $2,828
  • $2,019
    $2,159
    $2,019
  • $2,032
    $2,584
    $3,306
  • $2,528
    $2,868
    $2,992
  • $3,854
    $4,128
    $4,386
  • 7. CSAA
    $4,252
    $5,243
    $4,513

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities123rd/300
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Most Car Thefts253rd/300
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Most Uninsured Motorists by State29th/50
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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 North Las Vegas could save you $1,030, which is enough to buy:


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343Cups of Coffee
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79Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for North 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 North 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


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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.