Cheapest and Best Car Insurance Companies in North Las Vegas, NV


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Updated: May 20, 2024

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Capital Insurance Group has the cheapest minimum insurance in North Las Vegas, offers the best customer service and is the best overall insurer. State Farm is the most affordable for full coverage insurance and after a ticket, DUI or at-fault collision. USAA is the cheapest for service members, while Nationwide is the most affordablet for teens. The cheapest insurer can vary depending on your driving profile and needs.

MoneyGeek Logo IconCheapest + BestCar InsuranceNorth Las Vegas
2024

Cheapest and Best Car Insurance in North Las Vegas, NV

Why Trust MoneyGeek? MoneyGeek obtained data and information from the Nevada Division of Insurance and Quadrant Information Services to rank insurers in North Las Vegas based on customer satisfaction, financial soundness, affordability and claims management.

90,496Quotes Analyzed
 
16Companies Compared

Cheapest Minimum Liability Car Insurance in North Las Vegas

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

  • Capital Insurance Group: $604 per year
  • State Farm: $653 per year

Dairyland charges $2,576 for the state minimum insurance, the most expensive premium. The cheapest car insurance provider in Nevada is State Farm, with an average annual rate of $466. This rate is significantly less expensive than the lowest insurance quote in the city, illustrating how location can affect insurance costs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Capital Insurance GroupAnnual Premium$604Monthly Premium$50
State FarmAnnual Premium$653Monthly Premium$54
NationwideAnnual Premium$661Monthly Premium$55
GEICOAnnual Premium$698Monthly Premium$58
MercuryAnnual Premium$706Monthly Premium$59
ProgressiveAnnual Premium$722Monthly Premium$60
TravelersAnnual Premium$905Monthly Premium$75
FarmersAnnual Premium$997Monthly Premium$83

The limits applicable for minimum coverage insurance vary by state. In accordance with Nevada law, drivers in North Las Vegas are required to have at least the following:

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

With Nevada's minimum coverage requirements, your insurance provider in North Las Vegas will only pay up to $50,000 for physical injury to other accident victims. You are responsible for any costs above that limit.

Cheapest Full Coverage Car Insurance in North Las Vegas

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

  • State Farm: $1,178 per year
  • Capital Insurance Group: $1,243 per year

Again, Dairyland is the most expensive in the city, charging an average of $5,155 yearly for full coverage insurance.

State Farm offers the cheapest full coverage insurance in Nevada as a whole, with an average cost of $862. This average is significantly lower than State Farm's rate in North Las Vegas. Premiums may vary substantially depending on your location in Nevada.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$1,178Monthly Premium$98
Capital Insurance GroupAnnual Premium$1,243Monthly Premium$104
NationwideAnnual Premium$1,270Monthly Premium$106
MercuryAnnual Premium$1,271Monthly Premium$106
GEICOAnnual Premium$1,380Monthly Premium$115
FarmersAnnual Premium$1,559Monthly Premium$130
ProgressiveAnnual Premium$1,576Monthly Premium$131
TravelersAnnual Premium$1,666Monthly Premium$139

Full coverage insurance has higher liability limits and includes collision and comprehensive coverage.

  • Collision insurance: Pays to repair or replace your vehicle if it is damaged in a collision with another car or object.
  • Comprehensive insurance: Protects your car from non-collision damages caused by theft, fire, weather damage or vandalism.

Getting full coverage for a new car is a reasonable way to protect your investment. For older automobiles or those with low values, the cost of full coverage premiums can exceed the car’s value.

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Cheapest Car Insurance in North Las Vegas After a Driving Offense

According to our analysis, State Farm generally has the cheapest full coverage insurance in North Las Vegas for drivers with violations:

  • Speeding ticket: State Farm ($1,303 per year)
  • At-fault accident: State Farm ($1,428 per year)
  • DUI: State Farm ($1,303 per year)

Dairyland is the most expensive, costing $7,606 after DUI, $7,022 after a speeding ticket and $8,676 after an at-fault accident. Even the cheapest insurance carrier will increase your premiums after a driving violation.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$1,303Monthly Premium$109
NationwideAnnual Premium$1,468Monthly Premium$122
Capital Insurance GroupAnnual Premium$1,660Monthly Premium$138
MercuryAnnual Premium$1,753Monthly Premium$146
FarmersAnnual Premium$1,992Monthly Premium$166
GEICOAnnual Premium$2,047Monthly Premium$171
AllstateAnnual Premium$2,078Monthly Premium$173
ProgressiveAnnual Premium$2,151Monthly Premium$179

The amount your rates increase after a violation depends on the severity of the offense. Drivers in North Las Vegas can expect to pay $610 more after a speeding ticket and $1,211 more after a DUI conviction. However, you can still find cheap auto insurance with a bad driving record if you look around and compare quotes.

Cheapest Car Insurance in North Las Vegas for Teens and Their Families

The following companies offer the lowest rates in North Las Vegas for adding a teen to a family policy:

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

Kemper has the most expensive coverage, costing $7,426 for female teenagers and $7,789 for male teenagers. Nationwide quotes male and female teens differently, with a $215 differential per year. Male teens frequently pay more as they pose a higher risk. The gender price difference falls off in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$2,795Individual Plan Monthly Premium$9,311
State FarmFamily Plan Annual Premium$3,727Individual Plan Monthly Premium$7,841
AllstateFamily Plan Annual Premium$4,528Individual Plan Monthly Premium$23,640
TravelersFamily Plan Annual Premium$5,021Individual Plan Monthly Premium$15,532
FarmersFamily Plan Annual Premium$5,412Individual Plan Monthly Premium$28,887
Capital Insurance GroupFamily Plan Annual Premium$5,515Individual Plan Monthly Premium$12,371
GEICOFamily Plan Annual Premium$6,805Individual Plan Monthly Premium$22,889
ProgressiveFamily Plan Annual Premium$6,862Individual Plan Monthly Premium$27,488

Adding a teen driver to an existing family policy is more cost-effective than getting them separate insurance. In North Las Vegas, for instance, it would cost $5,150 more to purchase a male teen his own insurance than to add him to a parent's policy, a 52% increase. Always shop around to find the best and cheap policies for adding teens to a family's auto insurance.

Cheapest Car Insurance in North Las Vegas for Military Drivers

The following North Las Vegas insurers provide the most affordable military auto insurance (full coverage) to active duty, veterans and their families:

  • USAA: $1,005 per year
  • State Farm: $1,178 per year

If you only need minimum coverage insurance, USAA is the cheapest insurance carrier at $529 per year, followed by Capital Insurance Group at $604 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$1,005Monthly Premium$84
State FarmAnnual Premium$1,178Monthly Premium$98
Capital Insurance GroupAnnual Premium$1,243Monthly Premium$104
NationwideAnnual Premium$1,270Monthly Premium$106
MercuryAnnual Premium$1,271Monthly Premium$106
GEICOAnnual Premium$1,380Monthly Premium$115
FarmersAnnual Premium$1,559Monthly Premium$130
ProgressiveAnnual Premium$1,576Monthly Premium$131

How to Compare Cheap North Las Vegas Car Insurance Quotes Online

Getting auto insurance quotes online can take 15 minutes or longer per company because you typically need to provide a great deal of personal information. With MoneyGeek’s car insurance calculator, you can obtain quotes quickly by just inputting your age, driving profile, type of vehicle and desired coverage level.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Jul 12, 2024

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Best Car Insurance in North Las Vegas: Summary

The best insurance for you will depend on your affordability and customer service preferences. The top insurer in North Las Vegas for several categories is Capital Insurance Group.

  • Best overall: Capital Insurance Group (MoneyGeek score 82 out of 100)
  • Best for service: Capital Insurance Group (MoneyGeek score 68 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score 83 out of 100)

A company’s MoneyGeek score can differ depending on how we weigh factors for each category. USAA is a great option for military members (MoneyGeek score of 85).

Best Overall Car Insurance in North Las Vegas

MoneyGeek examined service quality, claims management and other aspects to determine the top companies in North Las Vegas, as follows:

  • Capital Insurance Group: MoneyGeek score 82 out of 100 ($1,243 per year)
  • American Family: MoneyGeek score 76 out of 100 ($1,691 per year)

Capital Insurance Group has the highest customer satisfaction rating and high claims and affordability scores. With a MoneyGeek rating of 85 and an average yearly premium of $1,005, USAA is the best option for service members.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

checkmark

High affordability and customer satisfaction ratings

checkmark

Above-average claims rating

checkmark

Offers full glass coverage, custom parts coverage and roadside assistance

cons

close

Low coverage score

close

Does not offer rental car reimbursement, accident forgiveness, gap insurance, new car replacement, better car replacement

COMPANY HIGHLIGHTS

Capital Insurance Group offers the second most affordable insurance in North Las Vegas and is the best in customer satisfaction and claims ratings. However, its coverage offerings could be more robust.

The company does offer custom parts coverage, meaning it will pay for name-brand parts if your car needs repairs after a covered incident. Capital Insurance Group also provides full glass coverage, which pays for any glass damage to your car caused by a covered accident and includes come-to-you glass repair services.

Capital Insurance Group also offers the Emergency Roadside Protection add-on with 24/7 service. This coverage is useful if you are stranded on the road as a result of a mechanical breakdown, flat tire, dead battery, locking yourself out or running out of gas.

Best Car Insurance in North Las Vegas for Customer Service

The following companies provide the best customer service in North Las Vegas, regardless of cost:

  • Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,243 per year)
  • Country Financial: MoneyGeek score 65 out of 100 ($1,911 per year)

Capital Insurance Group excelled in claims administration and is renowned for its outstanding customer service. Its full coverage insurance is reasonably priced compared to its rivals.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

checkmark

High affordability and customer satisfaction scores

checkmark

Above-average claims rating

checkmark

Offers full glass coverage, roadside assistance and custom parts coverage

cons

close

Low coverage score

close

Does not offer rental car reimbursement, accident forgiveness, gap insurance, new car replacement, better car replacement

COMPANY HIGHLIGHTS

Capital Insurance Group received the best customer service ratings among the 15 insurance companies we compared in North Las Vegas. It also has the highest claims ratings and is the second-most reasonably priced insurer in the city.

The company’s custom parts coverage, which may be helpful to most policyholders, will pay for the use of name-brand parts to repair your vehicle after a covered incident. In addition, Capital Insurance Group offers complete glass coverage, which will pay for any glass damage caused by a covered incident.

The company also offers 24/7 Emergency Roadside Protection to assist policyholders who become stranded on the road.

Best Cheap Car Insurance in North Las Vegas

After considering affordability and service quality, MoneyGeek found that the following insurers in North Las Vegas offer the best minimum coverage insurance:

  • Capital Insurance Group: MoneyGeek score 83 out of 100 ($604 per year)
  • State Farm: MoneyGeek score 77 out of 100 ($653 per year)

Minimum coverage insurance may be appealing due to its low cost, but it provides limited liability protection and does not cover damages to your car.

How was this MoneyGeek score calculated?

Capital Insurance Group

pros

checkmark

Affordable minimum coverage insurance costing $604 per year

checkmark

Highest customer satisfaction and claims ratings

checkmark

Offers good student discount

cons

close

Does not offer most common discounts like bundling, multiple car, safe driving or airbags

close

Low coverage score

COMPANY HIGHLIGHTS

With its best affordability, claims handling and customer satisfaction scores, Capital Insurance Group outperforms all its competitors as the best cheap insurance provider in North Las Vegas. MoneyGeek used customer satisfaction data from J.D. Power, the National Association of Insurance Commissioners (NAIC) customer complaint index and Quadrant’s affordability data. Capital Insurance Group is a great choice for anyone who appreciates affordability and excellent customer service.

The good student discount is the only insurance discount Capital Insurance Group offers. It is available to students with a cumulative grade point average of "B" or higher. The discount is limited to 20%. Student drivers who hold policies with Capital Insurance Group, especially teens on a family policy, take advantage of this discount.

Average Cost of Car Insurance in North Las Vegas

The average annual cost of full coverage car insurance in North Las Vegas is $2,056. This is $791 higher than the $1,265 national car insurance average and $311 more than the $1,745 Nevada car insurance average. These rates are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Location is one of many factors insurers consider when setting rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.