The average cost of full coverage car insurance in Las Vegas is $2,888 a year, which is significantly higher than the state average in Nevada, at $2,198.
Despite the higher-than-average rates in Vegas, it’s still possible to find deals on coverage. Policygenius can show you quotes from top car insurance companies so you can find a policy that fits your needs and your budget.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Las Vegas, NV
Although every insurance company looks at the same data, like your age, driving history, and ZIP code, every company has a unique formula for setting your rates.
Two different companies can look at the same driver with the same information and come up with different prices for coverage, which is why it’s so important to shop around and compare quotes before you buy.
Company | Average cost | JD Power Rating |
|---|---|---|
GEICO | $1,433 | 874 |
USAA | $1,602 | 890 |
State Farm | $1,617 | 882 |
Nationwide | $2,078 | 868 |
Travelers | $2,416 | 854 |
Cheapest car insurance rates by ZIP code in Las Vegas, NV
Details about your neighborhood, like the frequency of car thefts and accidents, average repair costs, even the number of claims filed where you live will all affect what you’ll pay for car insurance.
ZIP code | Average cost |
|---|---|
89124 | $2,510 |
89166 | $2,595 |
89138 | $2,656 |
89149 | $2,661 |
89143 | $2,694 |
89179 | $2,700 |
89131 | $2,714 |
89144 | $2,730 |
89129 | $2,760 |
89134 | $2,798 |
Choosing the right car insurance company in Las Vegas, NV
The truth is that there’s no one right car insurance company out there. Every individual driver is unique, which means the cheapest company for you probably won’t be the same as your neighbor’s cheapest option.
Comparing quotes from at least a few different companies is really the only way to ensure that you are getting the best possible rates. Policygenius shows you what you’ll pay for coverage from top companies, which makes it easy to find a policy that meets your needs.
Car insurance rates for drivers with driving violations in Las Vegas, NV
Any accidents or moving violations will raise your rates, and if you have too many, or multiple serious violations, you may find it difficult to find coverage at all. Minor violations won’t make as big a difference, but serious violations can raise your rates by hundreds, or even thousands of dollars a year.
Violation | GEICO | USAA | State Farm | Nationwide | Travelers |
|---|---|---|---|---|---|
At-fault accident | $2,652 | $2,252 | $1,922 | $3,347 | $3,458 |
DUI | $3,232 | $3,402 | $1,775 | $4,364 | $3,912 |
Suspended license | $4,327 | $3,182 | $1,775 | $4,364 | $3,912 |
Open container | $1,955 | $2,479 | $1,775 | $2,547 | $3,268 |
Expired registration | $1,541 | $1,949 | $1,775 | $2,547 | $3,268 |
Driving without lights | $1,955 | $1,663 | $1,775 | $2,547 | $2,614 |
Running a red light | $1,955 | $1,949 | $1,775 | $2,547 | $3,268 |
Following too closely | $1,955 | $1,949 | $1,775 | $2,547 | $3,268 |
Hit and run | $3,741 | $3,548 | $1,775 | $4,364 | $3,912 |
Not-at-fault accident | $1,536 | $1,663 | $1,628 | $2,204 | $2,587 |
Passing a school bus | $1,955 | $2,479 | $1,775 | $4,364 | $3,912 |
Reckless driving | $3,741 | $2,742 | $1,775 | $4,364 | $3,912 |
Speeding | $3,741 | $1,949 | $1,775 | $2,547 | $3,912 |
Cheapest car insurance for drivers with a DUI in Las Vegas, NV
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,775 |
GEICO | $3,232 |
USAA | $3,402 |
Travelers | $3,912 |
Nationwide | $4,364 |
Cheapest car insurance for drivers with a speeding ticket in Las Vegas, NV
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,775 |
USAA | $1,949 |
Nationwide | $2,547 |
GEICO | $3,741 |
Travelers | $3,912 |
Cheapest car insurance for drivers with bad credit in Las Vegas, NV
Most insurance companies consider your credit score when setting rates, and the lower your score, the higher your premiums. If your credit score is poor, it’s even more important to shop around and compare quotes to find your most affordable rates.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,936 |
American Access Casualty Company | $2,776 |
Nationwide | $3,083 |
State Farm | $3,255 |
Key Insurance | $3,340 |
Buying car insurance in Las Vegas, NV
All drivers in Las Vegas must have the minimum amount of car insurance coverage required by law in Nevada, which is:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $20,000
Nevada is an at-fault state, meaning that the insurance company of the driver determined to be at fault for an accident will pay for the other party’s repair bills and medical expenses, up to the limits of the policy. That’s why it’s so important to set high liability limits, to make sure you’re fully protected if you cause an expensive accident.
How to get cheap car insurance in Las Vegas, NV
Discounts are a great way to make sure you’re getting the best rates on car insurance. Most car insurance companies offer a range of discounts, some of the most common include:
Bundling discount
Safe driver discount
Good student discount
Multi-car discount
Low mileage discount
Paid-in-full discount
Military discount
Frequently asked questions
Which insurance company has the lowest average rates in Las Vegas?
GEICO has the lowest rates for coverage in Las Vegas, at an average of $1,433 a year for a full coverage policy.
How much is car insurance per month in Las Vegas?
On average, the monthly cost of car insurance in Las Vegas is $240 per month. This is more than the cost of coverage in Nevada, which is $183 per month.
Will the cost of car insurance in Las Vegas go down when I turn 25?
Rates usually drop substantially at age 25 when you enter a less risky age group and have more experience behind the wheel. This is also true in Las Vegas. But that’s typically only true for drivers who got their license as a teen, or who’ve maintained a clean driving record. If you have accidents and violations on your record, you rates may not go down as you age.
How can you get cheaper car insurance in Las Vegas?
While the cost of car insurance is expensive in Las Vegas, you can still find cheap car insurance by seeking out companies with discounts, raising your deductible, and comparing the cost of coverage from more than one company in your area.
