Cheapest Car Insurance Companies in Las Vegas, NV (2023 Rates)

Capital Insurance Group offers the cheapest minimum coverage car insurance in Las Vegas, NV, based on the most recent 2023 quotes.

Your driver profile and needs will determine which company is the cheapest. State Farm is the cheapest or full coverage, young adults and those with driving offenses. Capital Insurance Group (CIG) is the most affordable for seniors, poor credit and sports car drivers. Nationwide is the cheapest for teens, and USAA for military members. If you’re looking for a combination of quality service and affordability, MoneyGeek also ranked the [best car insurance companies in Las Vegas](https://www.moneygeek.com/insurance/auto/best-car-insurance-las vegas-nv/).

CheapestCar InsuranceLas Vegas

2023

Cheapest Car Insurance in Las Vegas, NV

Cheapest Overall - Capital Insurance Group

Cheapest Full Coverage - State Farm

Cheapest After Offense - State Farm

Cheapest for Teens - Nationwide

Cheapest for Military - USAA

Cheapest for Young Adults - State Farm

Cheapest for Seniors - Capital Insurance Group

Cheapest for Poor Credit - Capital Insurance Group

Cheapest for Sports Cars - Capital Insurance Group

Cheapest Minimum Coverage Car Insurance in Las Vegas

The companies offering the cheapest minimum coverage car insurance in Las Vegas are:

CIG: $521 per year
State Farm: $572 per year

The most expensive company is Dairyland, with an average premium of $2,419 per year. As of October 2022, State Farm offers the cheapest car insurance in Nevada at $466 per year. The cheapest company can vary based on location. For instance, CIG is the cheapest option in Las Vegas, although State Farm has the lowest average rates in Nevada.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Capital Insurance Group	$450	$38
Capital Insurance Group	$521	$43
State Farm	$538	$45
State Farm	$572	$48
Nationwide	$627	$52
Nationwide	$644	$54
State Farm	$697	$58
GEICO	$708	$59
GEICO	$713	$59
Progressive	$717	$60
Mercury	$728	$61
Progressive	$736	$61
GEICO	$783	$65
Mercury	$792	$66
Progressive	$828	$69
Capital Insurance Group	$879	$73
Nationwide	$903	$75
Capital Insurance Group	$919	$77
Country Financial	$959	$80
Travelers	$963	$80
State Farm	$971	$81
Mercury	$971	$81
Country Financial	$984	$82
Travelers	$1,023	$85
State Farm	$1,040	$87
Farmers	$1,043	$87
American Family	$1,053	$88
American Family	$1,069	$89
Allstate	$1,082	$90
Allstate	$1,096	$91
Farmers	$1,103	$92
Travelers	$1,104	$92
Capital Insurance Group	$1,105	$92
Nationwide	$1,108	$92
American Family	$1,154	$96
Nationwide	$1,194	$99
Allstate	$1,232	$103
CSAA	$1,243	$104
Farmers	$1,273	$106
Mercury	$1,293	$108
State Farm	$1,313	$109
GEICO	$1,364	$114
GEICO	$1,373	$114
Country Financial	$1,376	$115
Kemper	$1,397	$116
Mercury	$1,405	$117
American Family	$1,450	$121
CSAA	$1,506	$126
Progressive	$1,527	$127
Progressive	$1,535	$128
Nevada General Insurance	$1,551	$129
Kemper	$1,553	$129
American Family	$1,558	$130
GEICO	$1,583	$132
Nationwide	$1,583	$132
Farmers	$1,596	$133
Farmers	$1,614	$135
Country Financial	$1,663	$139
Allstate	$1,717	$143
American Family	$1,745	$145
Travelers	$1,747	$146
Country Financial	$1,749	$146
CSAA	$1,762	$147
Nevada General Insurance	$1,771	$148
Mercury	$1,781	$148
Travelers	$1,787	$149
Nevada General Insurance	$1,795	$150
Allstate	$1,800	$150
Capital Insurance Group	$1,801	$150
Progressive	$1,839	$153
Allstate	$1,936	$161
Farmers	$1,940	$162
Travelers	$2,055	$171
Kemper	$2,093	$174
Nevada General Insurance	$2,179	$182
Dairyland	$2,295	$191
Dairyland	$2,419	$202
Country Financial	$2,439	$203
Nevada General Insurance	$2,466	$206
CSAA	$2,509	$209
Nevada General Insurance	$2,748	$229
Dairyland	$2,755	$230
CSAA	$3,018	$252
Kemper	$3,172	$264
CSAA	$3,515	$293
Kemper	$3,610	$301
Kemper	$3,991	$333
Dairyland	$4,452	$371
Dairyland	$4,884	$407
Dairyland	$5,594	$466

In Nevada, a minimum coverage policy meets the following requirements:

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

Liability coverage applies when you cause damage to a car or injuries to a person in it. For example, in an at-fault accident, your bodily injury liability will cover up to $25,000 per injured person but only up to $50,000 per accident, regardless of how many people are hurt.

CAPITAL INSURANCE GROUP: WHAT YOU NEED TO KNOW

Capital Insurance Group (CIG), a member of the Auto-Owners Group, is a regional insurer that has been in business for over 125 years. The company is based in California, and auto coverage is available from CIG in Arizona, California, Nevada, Oregon and Washington. CIG is a financially strong company, with an AM Best financial strength rating of A (excellent), so a driver should not be concerned about trusting this company with their auto insurance coverage. To get a policy with CIG, you must go through an independent insurance agent — online quotes are not available.

Cheapest Full Coverage Car Insurance in Las Vegas

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

State Farm: $1,040 per year
CIG: 1,105 per year

Dairyland is the most expensive at $4,884 per year. State Farm also offers the cheapest full coverage car insurance in Nevada as of October 2022, with an average premium of $862 per year. Its premium in Las Vegas is higher, illustrating how location can affect insurance rates.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Capital Insurance Group	$450	$38
Capital Insurance Group	$521	$43
State Farm	$538	$45
State Farm	$572	$48
Nationwide	$627	$52
Nationwide	$644	$54
State Farm	$697	$58
GEICO	$708	$59
GEICO	$713	$59
Progressive	$717	$60
Mercury	$728	$61
Progressive	$736	$61
GEICO	$783	$65
Mercury	$792	$66
Progressive	$828	$69
Capital Insurance Group	$879	$73
Nationwide	$903	$75
Capital Insurance Group	$919	$77
Country Financial	$959	$80
Travelers	$963	$80
State Farm	$971	$81
Mercury	$971	$81
Country Financial	$984	$82
Travelers	$1,023	$85
State Farm	$1,040	$87
Farmers	$1,043	$87
American Family	$1,053	$88
American Family	$1,069	$89
Allstate	$1,082	$90
Allstate	$1,096	$91
Farmers	$1,103	$92
Travelers	$1,104	$92
Capital Insurance Group	$1,105	$92
Nationwide	$1,108	$92
American Family	$1,154	$96
Nationwide	$1,194	$99
Allstate	$1,232	$103
CSAA	$1,243	$104
Farmers	$1,273	$106
Mercury	$1,293	$108
State Farm	$1,313	$109
GEICO	$1,364	$114
GEICO	$1,373	$114
Country Financial	$1,376	$115
Kemper	$1,397	$116
Mercury	$1,405	$117
American Family	$1,450	$121
CSAA	$1,506	$126
Progressive	$1,527	$127
Progressive	$1,535	$128
Nevada General Insurance	$1,551	$129
Kemper	$1,553	$129
American Family	$1,558	$130
GEICO	$1,583	$132
Nationwide	$1,583	$132
Farmers	$1,596	$133
Farmers	$1,614	$135
Country Financial	$1,663	$139
Allstate	$1,717	$143
American Family	$1,745	$145
Travelers	$1,747	$146
Country Financial	$1,749	$146
CSAA	$1,762	$147
Nevada General Insurance	$1,771	$148
Mercury	$1,781	$148
Travelers	$1,787	$149
Nevada General Insurance	$1,795	$150
Allstate	$1,800	$150
Capital Insurance Group	$1,801	$150
Progressive	$1,839	$153
Allstate	$1,936	$161
Farmers	$1,940	$162
Travelers	$2,055	$171
Kemper	$2,093	$174
Nevada General Insurance	$2,179	$182
Dairyland	$2,295	$191
Dairyland	$2,419	$202
Country Financial	$2,439	$203
Nevada General Insurance	$2,466	$206
CSAA	$2,509	$209
Nevada General Insurance	$2,748	$229
Dairyland	$2,755	$230
CSAA	$3,018	$252
Kemper	$3,172	$264
CSAA	$3,515	$293
Kemper	$3,610	$301
Kemper	$3,991	$333
Dairyland	$4,452	$371
Dairyland	$4,884	$407
Dairyland	$5,594	$466

A full coverage policy includes comprehensive and collision insurance, which protect your vehicle.

Collision insurance: Covers incidents that involve hitting another vehicle or object, such as a tree, fence or light pole, and rollovers.
Comprehensive insurance: Covers non-collision damages, such as theft, vandalism, flooding and fire.

A full coverage policy may not be worth the cost for older, low-value vehicles because the premium could be higher than the car’s worth.

Cheapest Car Insurance in Las Vegas After a Driving Offense

The cheapest car insurance company after driving violations in Las Vegas is State Farm, as follows:

Speeding ticket: State Farm ($1,152 per year)
At-fault accident: State Farm ($1,264 per year)
DUI: State Farm ($1,152 per year)

Dairyland is the most expensive company, costing $6,646 per year after a speeding ticket, $8,211 per year after an at-fault accident and $7,199 per year after a DUI. Driving violations have a significant impact on the cost of car insurance. Even with the most affordable company, your rates will be higher than if you had a safe driving record.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Capital Insurance Group	$589	$49
State Farm	$598	$50
State Farm	$598	$50
Capital Insurance Group	$619	$52
State Farm	$636	$53
State Farm	$636	$53
State Farm	$658	$55
Capital Insurance Group	$682	$57
State Farm	$700	$58
Capital Insurance Group	$711	$59
Nationwide	$736	$61
Nationwide	$752	$63
State Farm	$775	$65
State Farm	$775	$65
State Farm	$852	$71
Capital Insurance Group	$868	$72
Progressive	$946	$79
Mercury	$982	$82
Capital Insurance Group	$1,008	$84
Nationwide	$1,011	$84
GEICO	$1,016	$85
Progressive	$1,017	$85
Nationwide	$1,018	$85
GEICO	$1,034	$86
Progressive	$1,035	$86
Nationwide	$1,038	$86
Progressive	$1,069	$89
State Farm	$1,076	$90
State Farm	$1,076	$90
Progressive	$1,104	$92
Progressive	$1,137	$95
State Farm	$1,152	$96
State Farm	$1,152	$96
GEICO	$1,163	$97
Capital Insurance Group	$1,165	$97
State Farm	$1,181	$98
Allstate	$1,203	$100
Capital Insurance Group	$1,215	$101
Allstate	$1,220	$102
Country Financial	$1,225	$102
Capital Insurance Group	$1,231	$103
Mercury	$1,238	$103
Mercury	$1,239	$103
Country Financial	$1,257	$105
GEICO	$1,259	$105
State Farm	$1,264	$105
Nationwide	$1,292	$108
Progressive	$1,293	$108
GEICO	$1,294	$108
Mercury	$1,301	$108
Farmers	$1,311	$109
Capital Insurance Group	$1,331	$111
Nationwide	$1,354	$113
Travelers	$1,366	$114
Allstate	$1,378	$115
Nationwide	$1,379	$115
Farmers	$1,385	$115
Allstate	$1,409	$117
Nationwide	$1,414	$118
American Family	$1,414	$118
Progressive	$1,422	$119
American Family	$1,423	$119
Allstate	$1,430	$119
Travelers	$1,431	$119
Nationwide	$1,433	$119
Progressive	$1,435	$120
Travelers	$1,441	$120
American Family	$1,447	$121
GEICO	$1,452	$121
State Farm	$1,455	$121
State Farm	$1,455	$121
Capital Insurance Group	$1,465	$122
Allstate	$1,469	$122
Mercury	$1,486	$124
Country Financial	$1,490	$124
Allstate	$1,491	$124
Travelers	$1,508	$126
Kemper	$1,527	$127
Farmers	$1,542	$129
Mercury	$1,555	$130
Travelers	$1,555	$130
American Family	$1,556	$130
Country Financial	$1,571	$131
American Family	$1,574	$131
Kemper	$1,594	$133
State Farm	$1,597	$133
Capital Insurance Group	$1,605	$134
Allstate	$1,625	$135
CSAA	$1,637	$136
Travelers	$1,644	$137
American Family	$1,653	$138
Mercury	$1,677	$140
American Family	$1,681	$140
Farmers	$1,693	$141
Allstate	$1,695	$141
Kemper	$1,699	$142
Travelers	$1,701	$142
Farmers	$1,719	$143
Capital Insurance Group	$1,732	$144
Nationwide	$1,750	$146
CSAA	$1,755	$146
Country Financial	$1,756	$146
Country Financial	$1,758	$146
Capital Insurance Group	$1,764	$147
Nationwide	$1,767	$147
Nationwide	$1,768	$147
Kemper	$1,774	$148
Nevada General Insurance	$1,775	$148
Nevada General Insurance	$1,775	$148
Travelers	$1,778	$148
Mercury	$1,783	$149
Mercury	$1,797	$150
Country Financial	$1,812	$151
Farmers	$1,821	$152
GEICO	$1,825	$152
GEICO	$1,826	$152
Nationwide	$1,873	$156
Farmers	$1,883	$157
Mercury	$1,910	$159
American Family	$1,929	$161
Travelers	$1,933	$161
Allstate	$1,934	$161
Farmers	$1,946	$162
Farmers	$1,954	$163
American Family	$1,963	$164
American Family	$1,970	$164
GEICO	$1,975	$165
Country Financial	$1,979	$165
Nevada General Insurance	$1,997	$166
CSAA	$2,003	$167
Nevada General Insurance	$2,027	$169
Nevada General Insurance	$2,027	$169
Allstate	$2,029	$169
GEICO	$2,037	$170
Farmers	$2,045	$170
Nevada General Insurance	$2,053	$171
Nevada General Insurance	$2,053	$171
GEICO	$2,069	$172
CSAA	$2,076	$173
Farmers	$2,093	$174
Progressive	$2,096	$175
Country Financial	$2,111	$176
American Family	$2,124	$177
Capital Insurance Group	$2,137	$178
CSAA	$2,152	$179
American Family	$2,158	$180
Allstate	$2,189	$182
Mercury	$2,209	$184
Country Financial	$2,216	$185
Progressive	$2,229	$186
Kemper	$2,234	$186
Progressive	$2,251	$188
American Family	$2,276	$190
Nevada General Insurance	$2,282	$190
Allstate	$2,283	$190
Kemper	$2,293	$191
Mercury	$2,297	$191
Mercury	$2,302	$192
Nevada General Insurance	$2,312	$193
Nationwide	$2,349	$196
GEICO	$2,359	$197
CSAA	$2,361	$197
Farmers	$2,391	$199
Progressive	$2,392	$199
American Family	$2,393	$199
Allstate	$2,394	$199
Kemper	$2,395	$200
Allstate	$2,408	$201
American Family	$2,420	$202
Capital Insurance Group	$2,427	$202
Progressive	$2,431	$203
Nevada General Insurance	$2,435	$203
Nevada General Insurance	$2,435	$203
American Family	$2,441	$203
Nationwide	$2,445	$204
Kemper	$2,489	$207
Country Financial	$2,511	$209
Allstate	$2,530	$211
GEICO	$2,532	$211
Country Financial	$2,541	$212
CSAA	$2,542	$212
Travelers	$2,542	$212
Nationwide	$2,550	$213
CSAA	$2,558	$213
Farmers	$2,563	$214
Progressive	$2,575	$215
GEICO	$2,580	$215
Country Financial	$2,580	$215
Farmers	$2,601	$217
Allstate	$2,601	$217
Mercury	$2,609	$217
Travelers	$2,661	$222
Farmers	$2,674	$223
Capital Insurance Group	$2,683	$224
Travelers	$2,729	$227
Nevada General Insurance	$2,737	$228
Allstate	$2,743	$229
Nevada General Insurance	$2,758	$230
Nevada General Insurance	$2,758	$230
Farmers	$2,769	$231
Travelers	$2,781	$232
Mercury	$2,812	$234
American Family	$2,819	$235
Travelers	$2,858	$238
Progressive	$2,879	$240
Travelers	$2,919	$243
Mercury	$2,919	$243
Country Financial	$2,935	$245
GEICO	$2,940	$245
Farmers	$2,941	$245
Farmers	$2,952	$246
Nationwide	$3,026	$252
CSAA	$3,029	$252
Nevada General Insurance	$3,057	$255
Nevada General Insurance	$3,057	$255
American Family	$3,060	$255
Country Financial	$3,084	$257
Country Financial	$3,096	$258
Progressive	$3,097	$258
Nevada General Insurance	$3,101	$258
Travelers	$3,107	$259
Mercury	$3,234	$269
Progressive	$3,267	$272
Mercury	$3,298	$275
Travelers	$3,325	$277
Dairyland	$3,340	$278
CSAA	$3,340	$278
Country Financial	$3,350	$279
Kemper	$3,374	$281
Dairyland	$3,391	$283
Travelers	$3,407	$284
Nevada General Insurance	$3,436	$286
Kemper	$3,462	$288
Kemper	$3,549	$296
Capital Insurance Group	$3,583	$299
CSAA	$3,592	$299
GEICO	$3,643	$304
Dairyland	$3,663	$305
Dairyland	$3,682	$307
Dairyland	$3,691	$308
GEICO	$3,724	$310
GEICO	$3,911	$326
Kemper	$3,941	$328
Kemper	$4,038	$336
CSAA	$4,040	$337
Dairyland	$4,102	$342
Dairyland	$4,119	$343
Dairyland	$4,139	$345
CSAA	$4,263	$355
Country Financial	$4,324	$360
CSAA	$4,349	$362
Kemper	$4,361	$363
Kemper	$4,498	$375
CSAA	$4,726	$394
Dairyland	$4,744	$395
Kemper	$4,966	$414
CSAA	$5,093	$424
CSAA	$5,173	$431
Kemper	$5,634	$469
CSAA	$6,070	$506
Kemper	$6,349	$529
Dairyland	$6,646	$554
Dairyland	$6,837	$570
Dairyland	$7,035	$586
Dairyland	$7,199	$600
Dairyland	$7,346	$612
Dairyland	$7,783	$649
Dairyland	$8,211	$684
Dairyland	$8,238	$687
Dairyland	$9,087	$757

Rates typically increase relative to the violation’s severity. In Las Vegas, rates increase by an average of $546 after a speeding ticket but by $1,111 after a DUI. The cheapest car insurance for drivers with bad driving records can change depending on other personal factors.

Cheapest Car Insurance in Las Vegas for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Las Vegas are:

Nationwide: $2,600 per year for female teens; $2,802 per year for males
State Farm: $3,164 per year for females
Allstate: $3,894 per year for males

The most expensive company is Progressive, at $5,999 per year for females and $6,361 per year for males. Car insurance is typically cheaper for females because insurers consider teen males riskier drivers. Nationwide, for example, is $202 cheaper for girls than for boys. This difference disappears as teenagers become young adults.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
Nationwide	$1,713	$3,085
State Farm	$1,744	$2,600
Nationwide	$1,754	$3,302
Capital Insurance Group	$1,776	$2,582
State Farm	$1,907	$2,842
Nationwide	$1,932	$4,403
State Farm	$1,951	$2,842
Nationwide	$1,961	$3,531
Travelers	$1,978	$3,888
State Farm	$1,998	$3,396
Nationwide	$2,007	$4,110
Nationwide	$2,011	$4,804
Nationwide	$2,029	$3,819
State Farm	$2,064	$3,075
Nationwide	$2,071	$3,729
Nationwide	$2,074	$4,464
Nationwide	$2,141	$4,032
State Farm	$2,149	$3,661
State Farm	$2,166	$3,156
Travelers	$2,182	$4,081
Allstate	$2,215	$3,717
Travelers	$2,233	$4,391
Travelers	$2,239	$4,808
Allstate	$2,293	$3,739
State Farm	$2,294	$3,899
Travelers	$2,298	$4,519
Nationwide	$2,325	$6,013
Nationwide	$2,348	$7,234
Capital Insurance Group	$2,359	$3,985
Farmers	$2,380	$4,032
State Farm	$2,385	$3,474
Nationwide	$2,403	$5,477
Allstate	$2,404	$4,933
Allstate	$2,409	$4,042
Farmers	$2,437	$4,241
State Farm	$2,441	$4,655
State Farm	$2,441	$4,158
Nationwide	$2,478	$6,898
Allstate	$2,482	$10,390
Travelers	$2,485	$4,648
Nationwide	$2,527	$8,184
Allstate	$2,534	$4,805
Nationwide	$2,536	$6,058
Travelers	$2,554	$5,261
State Farm	$2,572	$4,300
Travelers	$2,586	$5,603
Nationwide	$2,591	$7,982
Nationwide	$2,600	$8,814
Allstate	$2,628	$5,784
Allstate	$2,648	$4,443
Allstate	$2,665	$4,346
Capital Insurance Group	$2,677	$4,521
Travelers	$2,681	$5,014
Capital Insurance Group	$2,690	$4,746
Allstate	$2,701	$5,543
State Farm	$2,769	$5,287
Nationwide	$2,790	$9,038
Capital Insurance Group	$2,795	$4,922
Progressive	$2,800	$3,629
Nationwide	$2,802	$10,005
Allstate	$2,804	$5,295
Allstate	$2,845	$7,038
Capital Insurance Group	$2,889	$5,527
Capital Insurance Group	$2,891	$5,135
Capital Insurance Group	$2,910	$4,231
GEICO	$2,910	$3,406
Capital Insurance Group	$2,914	$4,922
GEICO	$2,941	$4,401
GEICO	$2,949	$3,451
State Farm	$2,987	$5,687
State Farm	$2,987	$4,993
Allstate	$2,994	$13,233
GEICO	$3,007	$4,500
Allstate	$3,011	$4,909
GEICO	$3,017	$6,612
Capital Insurance Group	$3,017	$4,834
Travelers	$3,034	$6,250
Travelers	$3,060	$7,400
Travelers	$3,080	$6,291
GEICO	$3,099	$5,634
Capital Insurance Group	$3,100	$5,931
GEICO	$3,101	$3,629
Capital Insurance Group	$3,109	$4,521
GEICO	$3,130	$4,684
State Farm	$3,147	$6,008
Allstate	$3,163	$8,047
State Farm	$3,164	$6,827
Allstate	$3,204	$7,052
Progressive	$3,218	$4,026
GEICO	$3,264	$5,955
Progressive	$3,270	$4,238
GEICO	$3,326	$5,082
Capital Insurance Group	$3,370	$6,803
Capital Insurance Group	$3,390	$5,931
State Farm	$3,432	$6,495
Capital Insurance Group	$3,450	$5,527
Progressive	$3,453	$6,270
Progressive	$3,490	$5,442
Progressive	$3,499	$6,194
Allstate	$3,523	$14,744
Farmers	$3,537	$7,657
Kemper	$3,545	$7,298
Capital Insurance Group	$3,560	$6,363
Allstate	$3,607	$20,159
Kemper	$3,625	$4,938
Travelers	$3,630	$9,489
Progressive	$3,663	$4,582
Progressive	$3,689	$4,780
Kemper	$3,703	$5,668
Farmers	$3,708	$7,329
Farmers	$3,742	$8,397
Travelers	$3,762	$7,685
Travelers	$3,802	$9,324
Capital Insurance Group	$3,805	$6,803
Farmers	$3,817	$8,871
Farmers	$3,817	$8,264
Capital Insurance Group	$3,834	$7,738
Progressive	$3,844	$5,704
Kemper	$3,864	$8,889
Allstate	$3,894	$20,703
Farmers	$3,903	$8,069
State Farm	$3,923	$7,423
GEICO	$3,933	$10,049
Progressive	$3,936	$4,924
State Farm	$3,940	$8,446
Kemper	$3,954	$4,938
Kemper	$3,954	$4,938
Farmers	$3,958	$8,882
Farmers	$3,979	$9,508
Capital Insurance Group	$4,000	$9,677
Allstate	$4,003	$17,692
Kemper	$4,005	$4,938
Kemper	$4,031	$5,391
Farmers	$4,033	$6,831
Farmers	$4,041	$19,360
GEICO	$4,065	$8,660
Farmers	$4,093	$6,934
Kemper	$4,157	$5,192
Kemper	$4,186	$5,668
GEICO	$4,197	$9,196
Farmers	$4,207	$7,322
Progressive	$4,212	$8,654
Kemper	$4,238	$5,668
Kemper	$4,238	$5,668
Progressive	$4,249	$7,521
Farmers	$4,287	$21,044
Farmers	$4,330	$7,535
GEICO	$4,333	$7,879
Progressive	$4,386	$9,407
Kemper	$4,392	$6,505
GEICO	$4,417	$13,518
Capital Insurance Group	$4,448	$10,689
Farmers	$4,449	$21,316
GEICO	$4,525	$15,383
Progressive	$4,526	$8,218
Travelers	$4,609	$12,047
Travelers	$4,649	$12,147
Kemper	$4,681	$7,915
Farmers	$4,765	$27,819
Farmers	$4,768	$23,405
Kemper	$4,776	$6,505
Travelers	$4,844	$16,455
Farmers	$5,110	$30,806
Progressive	$5,147	$21,260
Kemper	$5,170	$7,915
GEICO	$5,189	$15,880
GEICO	$5,241	$17,816
Progressive	$5,430	$23,021
GEICO	$5,450	$22,375
GEICO	$5,776	$23,629
Kemper	$5,929	$15,724
Travelers	$5,997	$15,671
Progressive	$5,999	$26,682
Kemper	$6,218	$18,266
Travelers	$6,331	$21,810
Progressive	$6,361	$29,108
Progressive	$6,389	$26,391
Kemper	$6,604	$13,596
Progressive	$6,789	$28,784
Kemper	$6,850	$15,761

If you're looking for the cheapest car insurance for teenagers, MoneyGeek recommends adding the teen to a family policy instead of purchasing a separate policy. Plus, a teen under 18 cannot legally purchase auto insurance unless a parent or guardian is a co-signer.

A family policy costs around $4,722 per year in Las Vegas, while an individual policy costs roughly $9,872 per year. By choosing a family policy, you can save $5,150 per year. Insurers also offer discounts for young drivers and students that can increase your savings.

Cheapest Car Insurance in Las Vegas for Military Drivers

The following companies offer the cheapest car insurance for military drivers looking for a full coverage policy in Las Vegas:

USAA: $1,036 per year
State Farm: $1,040 per year

For minimum coverage policies, the most affordable companies are CIG ($521 per year) and USAA ($547 per year).

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Capital Insurance Group	$450	$38
Capital Insurance Group	$521	$43
State Farm	$538	$45
USAA	$547	$46
USAA	$556	$46
State Farm	$572	$48
Nationwide	$627	$52
Nationwide	$644	$54
State Farm	$697	$58
USAA	$698	$58
GEICO	$708	$59
GEICO	$713	$59
Progressive	$717	$60
Mercury	$728	$61
Progressive	$736	$61
GEICO	$783	$65
Mercury	$792	$66
Progressive	$828	$69
Capital Insurance Group	$879	$73
Nationwide	$903	$75
Capital Insurance Group	$919	$77
Country Financial	$959	$80
Travelers	$963	$80
State Farm	$971	$81
Mercury	$971	$81
Country Financial	$984	$82
Travelers	$1,023	$85
USAA	$1,026	$86
USAA	$1,036	$86
State Farm	$1,040	$87
Farmers	$1,043	$87
American Family	$1,053	$88
American Family	$1,069	$89
Allstate	$1,082	$90
Allstate	$1,096	$91
Farmers	$1,103	$92
Travelers	$1,104	$92
Capital Insurance Group	$1,105	$92
Nationwide	$1,108	$92
American Family	$1,154	$96
Nationwide	$1,194	$99
Allstate	$1,232	$103
CSAA	$1,243	$104
Farmers	$1,273	$106
Mercury	$1,293	$108
State Farm	$1,313	$109
USAA	$1,336	$111
GEICO	$1,364	$114
GEICO	$1,373	$114
Country Financial	$1,376	$115
Kemper	$1,397	$116
Mercury	$1,405	$117
American Family	$1,450	$121
CSAA	$1,506	$126
Progressive	$1,527	$127
Progressive	$1,535	$128
Nevada General Insurance	$1,551	$129
Kemper	$1,553	$129
American Family	$1,558	$130
GEICO	$1,583	$132
Nationwide	$1,583	$132
Farmers	$1,596	$133
Farmers	$1,614	$135
Country Financial	$1,663	$139
Allstate	$1,717	$143
American Family	$1,745	$145
Travelers	$1,747	$146
Country Financial	$1,749	$146
CSAA	$1,762	$147
Nevada General Insurance	$1,771	$148
Mercury	$1,781	$148
Travelers	$1,787	$149
Nevada General Insurance	$1,795	$150
Allstate	$1,800	$150
Capital Insurance Group	$1,801	$150
Progressive	$1,839	$153
Allstate	$1,936	$161
Farmers	$1,940	$162
Travelers	$2,055	$171
Kemper	$2,093	$174
Nevada General Insurance	$2,179	$182
Dairyland	$2,295	$191
Dairyland	$2,419	$202
Country Financial	$2,439	$203
Nevada General Insurance	$2,466	$206
CSAA	$2,509	$209
Nevada General Insurance	$2,748	$229
Dairyland	$2,755	$230
CSAA	$3,018	$252
Kemper	$3,172	$264
CSAA	$3,515	$293
Kemper	$3,610	$301
Kemper	$3,991	$333
Dairyland	$4,452	$371
Dairyland	$4,884	$407
Dairyland	$5,594	$466

How to Compare Cheap Las Vegas Car Insurance Quotes Online

Getting a car insurance quote online in Las Vegas, Nevada, can take at least 15 minutes. You might need to provide a large amount of personal information so the insurer can determine your rate.

MoneyGeek’s car insurance calculator only needs your age, vehicle type, coverage level and driving record to give you a quick estimate of your rates. It’s a faster and more convenient way to learn how much a policy might cost.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Nevada

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$504

2.GEICO

$773

3.Travelers

$839

Cheapest Car Insurance in Las Vegas for Young Adults

The cheapest car insurance companies for young adults who want a full coverage policy in Las Vegas are:

State Farm: $1,313 per year
GEICO: $1,583 per year

The most expensive company is Dairyland, at $5,594 per year. Young adults pay higher premiums than 40-year-old drivers. In Sin City, car insurance for young adults costs $2,356 per year on average, while insurance for 40-year-old drivers costs $1,944, a $412 difference.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Capital Insurance Group	$450	$38
Capital Insurance Group	$521	$43
State Farm	$538	$45
State Farm	$572	$48
Nationwide	$627	$52
Nationwide	$644	$54
State Farm	$697	$58
GEICO	$708	$59
GEICO	$713	$59
Progressive	$717	$60
Mercury	$728	$61
Progressive	$736	$61
GEICO	$783	$65
Mercury	$792	$66
Progressive	$828	$69
Capital Insurance Group	$879	$73
Nationwide	$903	$75
Capital Insurance Group	$919	$77
Country Financial	$959	$80
Travelers	$963	$80
State Farm	$971	$81
Mercury	$971	$81
Country Financial	$984	$82
Travelers	$1,023	$85
State Farm	$1,040	$87
Farmers	$1,043	$87
American Family	$1,053	$88
American Family	$1,069	$89
Allstate	$1,082	$90
Allstate	$1,096	$91
Farmers	$1,103	$92
Travelers	$1,104	$92
Capital Insurance Group	$1,105	$92
Nationwide	$1,108	$92
American Family	$1,154	$96
Nationwide	$1,194	$99
Allstate	$1,232	$103
CSAA	$1,243	$104
Farmers	$1,273	$106
Mercury	$1,293	$108
State Farm	$1,313	$109
GEICO	$1,364	$114
GEICO	$1,373	$114
Country Financial	$1,376	$115
Kemper	$1,397	$116
Mercury	$1,405	$117
American Family	$1,450	$121
CSAA	$1,506	$126
Progressive	$1,527	$127
Progressive	$1,535	$128
Nevada General Insurance	$1,551	$129
Kemper	$1,553	$129
American Family	$1,558	$130
GEICO	$1,583	$132
Nationwide	$1,583	$132
Farmers	$1,596	$133
Farmers	$1,614	$135
Country Financial	$1,663	$139
Allstate	$1,717	$143
American Family	$1,745	$145
Travelers	$1,747	$146
Country Financial	$1,749	$146
CSAA	$1,762	$147
Nevada General Insurance	$1,771	$148
Mercury	$1,781	$148
Travelers	$1,787	$149
Nevada General Insurance	$1,795	$150
Allstate	$1,800	$150
Capital Insurance Group	$1,801	$150
Progressive	$1,839	$153
Allstate	$1,936	$161
Farmers	$1,940	$162
Travelers	$2,055	$171
Kemper	$2,093	$174
Nevada General Insurance	$2,179	$182
Dairyland	$2,295	$191
Dairyland	$2,419	$202
Country Financial	$2,439	$203
Nevada General Insurance	$2,466	$206
CSAA	$2,509	$209
Nevada General Insurance	$2,748	$229
Dairyland	$2,755	$230
CSAA	$3,018	$252
Kemper	$3,172	$264
CSAA	$3,515	$293
Kemper	$3,610	$301
Kemper	$3,991	$333
Dairyland	$4,452	$371
Dairyland	$4,884	$407
Dairyland	$5,594	$466

Cheapest Car Insurance in Las Vegas for Seniors

The following companies offer the cheapest car insurance for seniors in Las Vegas who want full coverage policies:

CIG: $919 per year
State Farm: $971 per year

Dairyland is the most expensive company for seniors, with an average premium of $4,452 per year. Age significantly impacts rates, and the cost of car insurance typically increases after age 65. However, this is not the case in Las Vegas, where the average car insurance rate for senior and middle-aged drivers is the same at $1,944 per year. Other personal factors can affect your premiums, so comparing rates from different insurers is essential.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Capital Insurance Group	$450	$38
Capital Insurance Group	$521	$43
State Farm	$538	$45
State Farm	$572	$48
Nationwide	$627	$52
Nationwide	$644	$54
State Farm	$697	$58
GEICO	$708	$59
GEICO	$713	$59
Progressive	$717	$60
Mercury	$728	$61
Progressive	$736	$61
GEICO	$783	$65
Mercury	$792	$66
Progressive	$828	$69
Capital Insurance Group	$879	$73
Nationwide	$903	$75
Capital Insurance Group	$919	$77
Country Financial	$959	$80
Travelers	$963	$80
State Farm	$971	$81
Mercury	$971	$81
Country Financial	$984	$82
Travelers	$1,023	$85
State Farm	$1,040	$87
Farmers	$1,043	$87
American Family	$1,053	$88
American Family	$1,069	$89
Allstate	$1,082	$90
Allstate	$1,096	$91
Farmers	$1,103	$92
Travelers	$1,104	$92
Capital Insurance Group	$1,105	$92
Nationwide	$1,108	$92
American Family	$1,154	$96
Nationwide	$1,194	$99
Allstate	$1,232	$103
CSAA	$1,243	$104
Farmers	$1,273	$106
Mercury	$1,293	$108
State Farm	$1,313	$109
GEICO	$1,364	$114
GEICO	$1,373	$114
Country Financial	$1,376	$115
Kemper	$1,397	$116
Mercury	$1,405	$117
American Family	$1,450	$121
CSAA	$1,506	$126
Progressive	$1,527	$127
Progressive	$1,535	$128
Nevada General Insurance	$1,551	$129
Kemper	$1,553	$129
American Family	$1,558	$130
GEICO	$1,583	$132
Nationwide	$1,583	$132
Farmers	$1,596	$133
Farmers	$1,614	$135
Country Financial	$1,663	$139
Allstate	$1,717	$143
American Family	$1,745	$145
Travelers	$1,747	$146
Country Financial	$1,749	$146
CSAA	$1,762	$147
Nevada General Insurance	$1,771	$148
Mercury	$1,781	$148
Travelers	$1,787	$149
Nevada General Insurance	$1,795	$150
Allstate	$1,800	$150
Capital Insurance Group	$1,801	$150
Progressive	$1,839	$153
Allstate	$1,936	$161
Farmers	$1,940	$162
Travelers	$2,055	$171
Kemper	$2,093	$174
Nevada General Insurance	$2,179	$182
Dairyland	$2,295	$191
Dairyland	$2,419	$202
Country Financial	$2,439	$203
Nevada General Insurance	$2,466	$206
CSAA	$2,509	$209
Nevada General Insurance	$2,748	$229
Dairyland	$2,755	$230
CSAA	$3,018	$252
Kemper	$3,172	$264
CSAA	$3,515	$293
Kemper	$3,610	$301
Kemper	$3,991	$333
Dairyland	$4,452	$371
Dairyland	$4,884	$407
Dairyland	$5,594	$466

Cheapest Car Insurance in Las Vegas for Poor Credit

The following companies offer Las Vegas drivers with poor credit the cheapest full coverage car insurance rates:

CIG: $1,481 per year
Nationwide: $1,585 per year

Dairyland has the most expensive rates for this population at $6,043 per year. Your credit score can impact your premium. In Las Vegas, car insurance for drivers with bad credit is 40% more expensive than for those with good credit, a difference of $832.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Capital Insurance Group	$605	$50
Capital Insurance Group	$704	$59
Nationwide	$818	$68
Nationwide	$840	$70
Mercury	$1,036	$86
GEICO	$1,038	$87
Progressive	$1,048	$87
GEICO	$1,059	$88
Progressive	$1,078	$90
Mercury	$1,128	$94
State Farm	$1,171	$98
GEICO	$1,178	$98
Nationwide	$1,187	$99
Capital Insurance Group	$1,196	$100
Progressive	$1,217	$101
Capital Insurance Group	$1,231	$103
State Farm	$1,243	$104
Mercury	$1,383	$115
Nationwide	$1,460	$122
Capital Insurance Group	$1,481	$123
Country Financial	$1,501	$125
State Farm	$1,514	$126
American Family	$1,528	$127
Farmers	$1,538	$128
Country Financial	$1,543	$129
Nevada General Insurance	$1,551	$129
American Family	$1,552	$129
Travelers	$1,556	$130
Nationwide	$1,585	$132
Kemper	$1,594	$133
Allstate	$1,601	$133
Allstate	$1,626	$135
Travelers	$1,629	$136
Farmers	$1,629	$136
American Family	$1,689	$141
CSAA	$1,755	$146
Nevada General Insurance	$1,771	$148
Travelers	$1,777	$148
Nevada General Insurance	$1,795	$150
Allstate	$1,858	$155
Farmers	$1,877	$156
Mercury	$1,878	$156
Mercury	$2,036	$170
Kemper	$2,070	$172
GEICO	$2,085	$174
GEICO	$2,098	$175
State Farm	$2,108	$176
CSAA	$2,110	$176
Nationwide	$2,115	$176
American Family	$2,120	$177
Kemper	$2,132	$178
Country Financial	$2,161	$180
Nevada General Insurance	$2,179	$182
State Farm	$2,259	$188
American Family	$2,274	$190
Progressive	$2,302	$192
Progressive	$2,316	$193
CSAA	$2,345	$195
Capital Insurance Group	$2,415	$201
GEICO	$2,443	$204
Nevada General Insurance	$2,466	$206
American Family	$2,556	$213
Country Financial	$2,567	$214
Farmers	$2,575	$215
Mercury	$2,591	$216
Farmers	$2,620	$218
Allstate	$2,687	$224
Country Financial	$2,696	$225
Nevada General Insurance	$2,748	$229
Progressive	$2,786	$232
Travelers	$2,811	$234
Allstate	$2,826	$235
Dairyland	$2,837	$236
State Farm	$2,853	$238
Travelers	$2,893	$241
Dairyland	$2,989	$249
Allstate	$3,065	$255
Farmers	$3,131	$261
Travelers	$3,289	$274
Dairyland	$3,406	$284
CSAA	$3,663	$305
Kemper	$3,763	$314
Country Financial	$3,777	$315
Kemper	$4,053	$338
CSAA	$4,338	$362
Kemper	$4,730	$394
CSAA	$4,754	$396
Dairyland	$5,501	$458
Dairyland	$6,043	$504
Dairyland	$6,927	$577

Drivers with low credit scores tend to file more claims than those with high ones. As a result, their rates are more expensive. Drivers with poor credit can find discounts, like bundling, which are common and easy to get. They can also compare quotes from insurance companies to find the most affordable options. Rates can decrease over time as credit scores increase.

Cheapest Car Insurance in Las Vegas for Sports Cars

The cheapest car full coverage car insurance for Las Vegas sports car drivers comes from:

CIG: $1,196 per year
State Farm: $1,231 per year

Dairyland has the most expensive premiums at $4,763 per year. Car insurance for sports cars can be higher, but not always. In Las Vegas, a full coverage policy for a Camry is $58, or 3%, more expensive than the same policy for a Mustang. The cheapest car insurance for sports cars may also depend on other circumstances.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Capital Insurance Group	$406	$34
Capital Insurance Group	$469	$39
GEICO	$582	$48
State Farm	$593	$49
GEICO	$594	$50
State Farm	$630	$52
GEICO	$640	$53
Nationwide	$650	$54
Nationwide	$667	$56
Progressive	$713	$59
Progressive	$731	$61
State Farm	$768	$64
Capital Insurance Group	$791	$66
Farmers	$822	$69
Travelers	$828	$69
Progressive	$862	$72
Farmers	$869	$72
Travelers	$878	$73
Nationwide	$936	$78
Travelers	$947	$79
Allstate	$968	$81
Allstate	$980	$82
Capital Insurance Group	$985	$82
Farmers	$1,001	$83
American Family	$1,045	$87
American Family	$1,060	$88
Allstate	$1,097	$91
American Family	$1,145	$95
State Farm	$1,148	$96
Capital Insurance Group	$1,196	$100
State Farm	$1,231	$103
Nationwide	$1,268	$106
GEICO	$1,286	$107
Kemper	$1,320	$110
GEICO	$1,341	$112
Farmers	$1,375	$115
Nationwide	$1,384	$115
American Family	$1,386	$115
Farmers	$1,386	$116
Kemper	$1,466	$122
American Family	$1,478	$123
GEICO	$1,545	$129
State Farm	$1,570	$131
Travelers	$1,609	$134
Travelers	$1,635	$136
American Family	$1,645	$137
Allstate	$1,656	$138
Progressive	$1,679	$140
Farmers	$1,680	$140
Allstate	$1,752	$146
Progressive	$1,801	$150
Nationwide	$1,833	$153
Allstate	$1,844	$154
Travelers	$1,899	$158
Capital Insurance Group	$1,912	$159
Kemper	$1,979	$165
Dairyland	$2,161	$180
Progressive	$2,263	$189
Dairyland	$2,277	$190
Dairyland	$2,594	$216
Kemper	$2,903	$242
Kemper	$3,300	$275
Kemper	$3,688	$307
Dairyland	$4,315	$360
Dairyland	$4,763	$397
Dairyland	$5,469	$456

MoneyGeek used a Ford Mustang as its sample sports car. Rates can vary based on the car’s make and model. Luxury, electric and sports cars are typically the most expensive vehicles to insure.

Average Cost of Car Insurance in Las Vegas

On average, car insurance in Las Vegas costs $1,944 per year 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.

This cost is $199 higher than the cost of car insurance in Nevada and $679 higher than the average cost of car insurance in the U.S.

City	Full Coverage Average Annual Premium	Minimum Coverage Average Annual Premium
Sparks	$1,235	$621
Reno	$1,238	$615
Henderson	$1,779	$970
Las Vegas	$1,944	$1,061
Enterprise	$2,003	$1,086
Paradise	$2,008	$1,087
North Las Vegas	$2,056	$1,109
Spring Valley	$2,072	$1,123
Sunrise Manor	$2,242	$1,217

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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