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

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.