Cheapest Car Insurance Companies in Las Vegas, NV (2024 Rates)


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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/).

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2024

Cheapest Car Insurance in Las Vegas, NV

Why Trust MoneyGeek? We gathered Las Vegas car insurance rates and data from the Nevada Division of Insurance and Quadrant Information Services. Learn More.

90,496Quotes Analyzed
 
14Companies Compared

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.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Capital Insurance Group$521$43
State Farm$572$48
Nationwide$644$54
GEICO$713$59
Progressive$717$60
Mercury$728$61
Travelers$963$80
Country Financial$984$82
Farmers$1,043$87
American Family$1,069$89
Allstate$1,082$90
Kemper$1,397$116
CSAA$1,506$126
Nevada General Insurance$1,551$129
Dairyland$2,419$202

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.

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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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State Farm$1,040$87
Capital Insurance Group$1,105$92
Nationwide$1,194$99
Mercury$1,293$108
GEICO$1,373$114
Progressive$1,535$128
American Family$1,558$130
Farmers$1,596$133
Allstate$1,717$143
Travelers$1,747$146
Country Financial$1,749$146
Nevada General Insurance$2,179$182
CSAA$3,018$252
Kemper$3,172$264
Dairyland$4,884$407

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State Farm$1,152$96
Nationwide$1,379$115
Capital Insurance Group$1,465$122
Mercury$1,783$149
Allstate$1,934$161
GEICO$2,037$170
Farmers$2,045$170
Progressive$2,096$175
American Family$2,124$177
Country Financial$2,216$185
Nevada General Insurance$2,435$203
Travelers$2,542$212
Kemper$3,462$288
CSAA$4,040$337
Dairyland$6,646$554

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
Nationwide$2,600$8,814
State Farm$3,164$6,827
Allstate$3,607$20,159
Capital Insurance Group$4,448$10,689
Farmers$4,765$27,819
Travelers$4,844$16,455
GEICO$5,450$22,375
Kemper$5,929$15,724
Progressive$5,999$26,682

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).

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAA$1,036$86
State Farm$1,040$87
Capital Insurance Group$1,105$92
Nationwide$1,194$99
Mercury$1,293$108
GEICO$1,373$114
Progressive$1,535$128
American Family$1,558$130
Farmers$1,596$133
Allstate$1,717$143
Travelers$1,747$146
Country Financial$1,749$146
Nevada General Insurance$2,179$182
CSAA$3,018$252
Kemper$3,172$264
Dairyland$4,884$407

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.

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Rates updated:

Dec 06, 2024

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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.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
State Farm$1,313$109
GEICO$1,583$132
Nationwide$1,583$132
American Family$1,745$145
Mercury$1,781$148
Allstate$1,800$150
Capital Insurance Group$1,801$150
Progressive$1,839$153
Farmers$1,940$162
Travelers$2,055$171
Country Financial$2,439$203
Nevada General Insurance$2,748$229
CSAA$3,515$293
Kemper$3,610$301
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.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
Capital Insurance Group$919$77
State Farm$971$81
Nationwide$1,108$92
GEICO$1,364$114
Mercury$1,405$117
American Family$1,450$121
Progressive$1,527$127
Farmers$1,614$135
Country Financial$1,663$139
Travelers$1,787$149
Allstate$1,936$161
Nevada General Insurance$2,466$206
CSAA$2,509$209
Kemper$3,991$333
Dairyland$4,452$371

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Capital Insurance Group$1,481$123
Nationwide$1,585$132
Mercury$1,878$156
GEICO$2,085$174
Nevada General Insurance$2,179$182
State Farm$2,259$188
American Family$2,274$190
Progressive$2,316$193
Farmers$2,575$215
Allstate$2,687$224
Country Financial$2,696$225
Travelers$2,811$234
Kemper$3,763$314
CSAA$4,338$362
Dairyland$6,043$504

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Capital Insurance Group$1,196$100
State Farm$1,231$103
GEICO$1,341$112
Nationwide$1,384$115
Farmers$1,386$116
American Family$1,478$123
Travelers$1,609$134
Allstate$1,656$138
Progressive$1,801$150
Kemper$2,903$242
Dairyland$4,763$397

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.

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


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.