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.
Compare the Cheapest Car Insurance Quotes in North Las Vegas, NV
The Cheapest and Best Car Insurance in North Las Vegas
The Cheapest Car Insurance Companies in North Las Vegas
For the average driver with a full coverage policy in North Las Vegas, the most affordable companies on average are:
- USAA: $1,045 per year (only available to current and former military personnel)
- GEICO: $1,164 per year
MoneyGeek compared prices based on a sample driver profile, a 40-year-old male with a full coverage policy that includes liability insurance and comprehensive and collision coverage.
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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.
The Best Car Insurance Companies in North Las Vegas
For North Las Vegas drivers looking for a balance of affordability and quality service, MoneyGeek ranked the best companies using a unique scoring system. Based on these ratings, the best auto insurers in the city for most drivers are:
- State Farm: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in North Las Vegas by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The scores were calculated based on several factors, including J.D. Power’s user satisfaction, affordability and financial stability ratings.
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.
Shopping around for car insurance in North Las Vegas could save you $1,030, which is enough to buy:
Cheapest Car Insurance in North Las Vegas by Coverage Amount
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.
Nevada Minimum Liability Requirements
- 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: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in North Las Vegas if You Have Driving Violations
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 a DUI. GEICO policyholders with a clean record will pay an average of $1,664 less for their policy compared to drivers with a DUI conviction.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
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.
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.
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