Compare Las Vegas, NV Car Insurance Rates (2021)

Car insurance in Las Vegas, NV averages $546 a month. Las Vegas, Nevada car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Las Vegas car insurance rates, compare quotes from the top car insurance companies in Las Vegas, NV.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Las Vegas, NV are $6,549/year
  • Average car insurance rates in Las Vegas, NV after a DUI are $7,835/year
  • The cheapest car insurance company in Las Vegas is USAA

If you need to buy Las Vegas, Nevada car insurance, the options can be confusing. Everything you need to know about car insurance in Las Vegas, NV is right here.

You’ll find Las Vegas car insurance rates, the cheapest Las Vegas, NV car insurance companies, and information on Nevada car insurance laws. You can also compare Las Vegas, Nevada car insurance rates to North Las Vegas car insurance rates, Mesquite car insurance rates, and Reno car insurance rates.

Ready to find affordable Las Vegas, NV car insurance today? Enter your ZIP code for fast, free Las Vegas car insurance quotes.

Cheapest Las Vegas, NV Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Las Vegas, NV car insurance rates? Every Las Vegas, Nevada car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Las Vegas, Nevada

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,236 $4,182 $3,961 $4,181 $14,177 $17,070 $4,490 $4,691
American Family $4,278 $4,278 $3,819 $3,819 $14,474 $18,921 $4,278 $4,895
Farmers $5,038 $5,183 $4,611 $5,235 $16,811 $17,935 $6,703 $6,647
GEICO $3,382 $3,280 $3,477 $3,597 $8,413 $7,614 $3,331 $2,801
Liberty Mutual $4,176 $4,529 $4,194 $4,768 $19,663 $21,960 $4,691 $4,860
Nationwide $3,157 $3,221 $2,876 $3,050 $7,971 $9,542 $3,779 $4,031
Progressive $2,983 $2,520 $2,590 $2,591 $13,100 $14,168 $3,444 $3,102
State Farm $4,689 $4,689 $4,274 $4,274 $14,618 $18,719 $5,258 $5,849
Travelers $2,908 $2,947 $2,788 $2,791 $16,261 $26,881 $3,218 $3,518
USAA $2,409 $2,361 $2,326 $2,301 $6,465 $7,273 $3,054 $3,238

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Minimum Car Insurance in Las Vegas, NV

Every driver must carry the minimum car insurance in Las Vegas, NV. Take a look at the Nevada car insurance requirements.

Minimum Required Car Insurance Coverage in Las Vegas, Nevada

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Las Vegas, NV Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Las Vegas, NV. Compare credit history car insurance rates in Las Vegas from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Las Vegas, Nevada

Insurance Company Poor Fair Good
Allstate $9,346 $6,517 $5,507
American Family $9,050 $6,963 $6,023
Farmers $10,046 $7,998 $7,517
GEICO $5,416 $4,487 $3,557
Liberty Mutual $12,387 $7,544 $5,885
Nationwide $5,556 $4,588 $3,966
Progressive $6,102 $5,475 $5,110
State Farm $14,199 $5,608 $3,582
Travelers $8,369 $7,519 $7,105
USAA $5,234 $3,186 $2,615

Cheapest Las Vegas, NV Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Las Vegas, NV to rates for a clean record with top companies.

Annual Las Vegas, Nevada Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,027 $7,128 $8,528 $6,811
American Family $5,904 $8,185 $8,810 $6,481
Farmers $7,081 $9,051 $9,428 $8,521
GEICO $3,074 $5,039 $6,049 $3,786
Liberty Mutual $6,264 $10,082 $10,116 $7,960
Nationwide $3,771 $4,855 $6,063 $4,124
Progressive $4,615 $6,412 $5,830 $5,392
State Farm $7,073 $8,519 $7,796 $7,796
Travelers $5,458 $8,172 $10,450 $6,576
USAA $2,778 $3,513 $5,282 $3,140

Cheapest Las Vegas, NV Car Insurance for Teen Drivers

Teen car insurance in Las Vegas, NV can be expensive. Take a look at rates from the top car insurance companies in Las Vegas for teenagers.

Annual Car Insurance Rates for Teen Drivers in Las Vegas, Nevada

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,177 $17,070
American Family $14,474 $18,921
Farmers $16,811 $17,935
GEICO $8,413 $7,614
Liberty Mutual $19,663 $21,960
Nationwide $7,971 $9,542
Progressive $13,100 $14,168
State Farm $14,618 $18,719
Travelers $16,261 $26,881
USAA $6,465 $7,273

Cheapest Las Vegas, NV Car Insurance for Seniors

Take a look at Las Vegas, NV senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Las Vegas, Nevada

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,961 $4,181
American Family $3,819 $3,819
Farmers $4,611 $5,235
GEICO $3,477 $3,597
Liberty Mutual $4,194 $4,768
Nationwide $2,876 $3,050
Progressive $2,590 $2,591
State Farm $4,274 $4,274
Travelers $2,788 $2,791
USAA $2,326 $2,301

Cheapest Las Vegas, NV Car Insurance Rates After a DUI

A DUI in Las Vegas, NV increases car insurance rates. Compare Las Vegas, Nevada DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Las Vegas, Nevada

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,528
American Family $8,810
Farmers $9,428
GEICO $6,049
Liberty Mutual $10,116
Nationwide $6,063
Progressive $5,830
State Farm $7,796
Travelers $10,450
USAA $5,282

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Cheapest Las Vegas, NV Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Las Vegas, NV by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Las Vegas, Nevada

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,123 $7,123
American Family $7,241 $7,449
Farmers $8,520 $8,520
GEICO $4,404 $4,570
Liberty Mutual $8,605 $8,605
Nationwide $4,703 $4,703
Progressive $5,562 $5,562
State Farm $7,562 $8,031
Travelers $7,664 $7,664
USAA $3,630 $3,727

Cheapest Las Vegas, NV Car Insurance Rates by ZIP Code

Las Vegas car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Las Vegas, NV.

Annual Car Insurance Rates by ZIP Code in Las Vegas, Nevada

ZIP Code Average Annual Rates
89101 $7,487
89102 $7,376
89104 $7,360
89106 $7,374
89107 $7,255
89108 $6,830
89110 $7,189
89117 $6,861
89124 $5,228
89128 $6,592
89129 $6,215
89130 $6,440
89131 $6,017
89134 $6,069
89138 $6,130
89143 $5,908
89144 $6,124
89145 $6,586
89146 $7,074
89149 $6,034
89156 $6,904
89158 $6,508
89161 $6,462
89165 $6,119
89166 $5,539
89179 $6,584
89199 $6,285

The Best Cheap Car Insurance Companies in Las Vegas, NV

Take a look at a side-by-side comparison of the top car insurance companies in Las Vegas, NV to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Las Vegas, Nevada

Insurance Company Average Annual Rates
Allstate $7,123
American Family $7,345
Farmers $8,520
GEICO $4,487
Liberty Mutual $8,605
Nationwide $4,703
Progressive $5,562
State Farm $7,796
Travelers $7,664
USAA $3,678

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Category Winners: Cheapest Car Insurance in Las Vegas, Nevada

Find the cheapest car insurance companies in Las Vegas, NV for each category right here.

Best Annual Car Insurance Rates by Company in Las Vegas, Nevada

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Las Vegas, NV Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Las Vegas car insurance rates. Find the cheapest Las Vegas, NV car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Las Vegas, Nevada

Insurance Company Low Medium High
Allstate $5,922 $7,268 $8,179
American Family $6,906 $7,788 $7,342
Farmers $7,553 $8,400 $9,608
GEICO $3,928 $4,358 $5,174
Liberty Mutual $7,664 $8,475 $9,677
Nationwide $4,547 $4,704 $4,859
Progressive $4,680 $5,301 $6,706
State Farm $7,015 $7,764 $8,610
Travelers $6,785 $7,680 $8,528
USAA $3,218 $3,635 $4,182

What affects car insurance rates in Las Vegas, Nevada?

What factors can have an impact on Las Vegas, NV car insurance? There are several reasons why Las Vegas car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Las Vegas, Nevada.

Commute Time in Las Vegas

The more time you spend in your car the higher the risk of an accident. The average commute length in Las Vegas, NV is 26.1 minutes according to City-Data.

Traffic in Las Vegas

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Las Vegas, NV traffic data from INRIX ranks Las Vegas as the 477th-most congested in the world.

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Compare Car Insurance Quotes in Las Vegas, NV

Ready to find affordable Las Vegas, Nevada car insurance today? Enter your ZIP code for fast, free Las Vegas, NV car insurance quotes.

Free Car Insurance Comparison

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