Compare the Cheapest Car Insurance Quotes in North Las Vegas, NV

The average auto insurance premium in North Las Vegas is $2,194 per year, $294 higher than the annual average in the state. The cheapest widely available insurer in the city is GEICO, with an average annual premium of $1,164. For this study, MoneyGeek analyzed the cheapest options by coverage amount and driving history. MoneyGeek also ranked the best insurers based on quality and cost.

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Last Updated: 5/16/2022
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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 State Farm due to its balance of affordability and excellent customer service.

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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
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $1,045
  • 2.
    GEICO
    $1,164
  • 3.
    Travelers
    $1,577
  • 4.
    State Farm
    $1,878
  • 5.
    Allstate
    $2,315
  • 6.
    Farmers
    $2,921
  • 7.
    CSAA
    $3,310

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.

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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
State Minimum

Drivers in Nevada are required to carry a minimum of 25/50/20 liability insurance. While this is the cheapest insurance option available in North Las Vegas, it also 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

  • 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.

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 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
Speeding Ticket

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.

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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The Best Car Insurance Companies in North Las Vegas

MoneyGeek evaluated the car insurers in North Las Vegas based on their affordability and customer service level. Our study identified the following companies to be the best in the city:

  • State Farm: MoneyGeek score 90 out of 100
  • GEICO: MoneyGeek score 90 out of 100

USAA received the maximum possible score of 100 in North Las Vegas. Due to the company's policies being restricted to military members and their dependents, it was left off the list of the best insurance companies.

The scores were calculated based on several factors, including customer satisfaction, affordability and financial stability ratings by data analytics and consumer intelligence company J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
State Farm
Score:90

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
CSAA
Score:82.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

6
Liberty Mutual
Score:82.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
American Family
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
Safeco
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Progressive
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

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
handcuffs2 icon
Most Car Thefts253rd/300
uninsured icon
Most Uninsured Motorists by State29th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall303rd/300
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Most Rainy Days298th/300

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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.